Date Received: 2022-10-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have a checking account and debit card with Discover Bank. Back in XXXX my debit card got charges with fraudulent charges from XXXX different companies and I immediately reported this to Discover Bank and they issued me a new card and investigated the charges. The smaller charge they solved but now 2 months later the {$830.00} charges they are saying that they have found to be my charges. The company is XXXX College XXXX XXXX XXXX which I have never heard of. I am almost XXXX and I am not enrolled in any college. I expected Discover to help me and I feel let down.
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Discover Bank 's Discover Bank Consumer Privacy Statement says that Discover Bank does not share consumer personal information with nonaffiliates but has furnished my non public information to nonaffiliated third parties such as credit reporting agencies. I opt out of, consented or implied consented, reporting of this information. It is an invasion of my privacy and against the Privacy Act of 1974. There is no law that states Discover Bank MUST report any information about me to a third party. Removal of my personal information they have shared needs to be done immediately.
Company Response:
State: TX
Zip: 75154
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act Discover and XXXX XXXX have violated my rights under 15USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Company Response:
State: AL
Zip: 367XX
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I was required to complete an XXXX XXXX XXXX XXXXorm and send in 3 months of bank statements in which I did from my credit union which is XXXX XXXX All was completed but the notary didnt put in the end and the beginning balance which was on my bank statements. Ive been with them over 4 years never missed a payment and always paid on time or before time.! I feel this wasnt my era and I should have got a chance to have them complete the form. Spoke to some lady with discover and ask to speak to manager she said they will get back with me which is poor customer service!! Dealing with everyday life after a global pandemic I feel I should have been given more time since clearly they see I tried.!!
Company Response:
State: IL
Zip: 60608
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I placed two orders from XXXX and XXXX. 1. I returned two items to XXXX ( {$170.00} and {$78.00} ) and it refund me one of them ( {$170.00} ). But the other refund ( {$78.00} ) had some delay, so I opened a dispute through my Discover credit card. However, Discover thought {$78.00} is a part of {$170.00} and denied my dispute. Also, this made XXXX charge me some extra money because they thought they refund me twice. 2. I placed an order from XXXX. There was a refund of {$52.00} on XX/XX/XXXX, and that was because we removed the oversold item " before shipping out the order. And I open a dispute for other items for the {$220.00}, however, Discover thought {$52.00} is a part of the {$220.00} and denied my dispute. This also made XXXX charge me another {$52.00} because they refund me twice. I contact both merchants and XXXX, they asked me to talk with Discover. However, Discover refused to reopen the disputes. So I lost {$220.00} + {$52.00} + {$78.00} + {$74.00} ( because I put the wrong number in the first dispute ), and neither Discover nor XXXX solved my case.
Company Response:
State: CA
Zip: 94560
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My credit card with Discover was closed on XX/XX/22 with no warning. I noticed on XX/XX/22 when a credit report indicated my score dropped due to a closed account. I verified it was the Discover account via their website on XX/XX/22 and called their support phone number. They did not provide me further information and could not reopen my account or explain why they closed my account. They noted they might be able to reopen the account if it was less than 30 days. Which is hard to realize with 0 notice.
Company Response:
State: IL
Zip: 60123
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, a scammer contacted me at XXXX convincingly pretending to be Discover Bank XXXX whom I have both checking, savings, and credit card accounts with. They took my information and hacked into my savings and checking accounts, transferring the majority of my savings ( {$2800.00} ) into my checking account and then emptying my checking account as well. In the end, they took a total of {$4100.00}. I called Discover Bank at XXXX on XX/XX/XXXX and informed them of what happened. During the draining of both of my accounts, Discover made no attempts to flag the charges or freeze my account due to unusual activity. When I spoke to Discover ( multiple people in the checking and fraud departments ) they made no mention of filing a police report, took copious notes of the ordeal, and informed me that they were in the midst of filing disputes and getting my money back to me. During that day, I created all new accounts, set up a new verbal password with Discover, placed credit freezes on my social security number, and waited for news from Discover. My new checking and savings accounts were created on XX/XX/XXXX and the lost funds were transferred into my new checking account on XX/XX/XXXX. During all of this, no one from Discover ever mentioned these funds were temporary and to my knowledge the disputes had been approved and everything was finalized. However, on XX/XX/XXXX, without warning Discover removed all of the reimbursed funds from my checking account. They never contacted me letting me know this was happening, all I received from them was an email saying my account had been overdrawn, which made me panic and believe something fraudulent had happened again. I had to call the bank to see what was happening with my account and learn that they had removed the reimbursed funds from me. They then informed me that I now had to file a police report and try to re-dispute the claims, I might even have to contact the attorney general 's office for assistance. The claims were denied because apparently the merchant said the purchases were made in person using a card, which in no way reinforces the idea that these transactions were not fraudulent. However, I decided to not make a fuss and fill out a police report, if anything for my own peace of mind and records. When I got to the precinct, the officer who handles fraud reports informed me I would need a legally notarized affidavit from my bank saying fraudulent activity happened on my account, something which they never gave me. In fact, I had no written documentation that fraud had happened on my account save some letters stating my disputes were underway. I contacted my bank to ask for this documentation and they informed me that they had no idea what this paperwork was and to simply go to a different precinct and try again there, and if they asked for the same document I could then call the bank back. I asked to speak to a specialist with the bank, was put on hold for XXXX minutes, and finally informed that no one was available and they would have to call me back. For XXXX weeks now, I have been unable to use my checking account, had to transfer all of my paychecks and money transferring accounts to my savings so I can receive paychecks and pay my rent. Any money that goes into my checking account is unavailable and automatically goes towards the negative balance that I " owe ''XXXX XXXX of my accounts were completely drained on Discover Bank 's watch and they have done the bare minimum, if that, to reimburse me for the money that was stolen. I will be urging as many people as I can to bank with a different company.
Company Response:
State: NY
Zip: 11385
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.
Company Response:
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I noticed my discover card was declining when making transactions. I called discover and asked them what was going on. Was told they received a handwritten letter on XX/XX/2022 stating I was deceased. They had closed my account without even notifying me. The representative told me it was an error so they would reopen my account. I do not feel safe with this company and when I asked to speak to a supervisor they connected me with XXXX, who was very defensive and said that in order for me to get a document which was addressed by me, I would need a court XXXX. I feel extremely wronged and have no idea what that said letter verified. I asked what the protocol was for closing accounts based on someone being deceased, XXXX their representative for that department told me there is bo protocol but she liked the idea of XXXX being implemented. They told me they would reopen my account in a couple of days but this is not right.
Company Response:
State: CA
Zip: 92120
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/2022 there was a fraudulent transaction of {$1600.00} made on my discover account that I didnt notice till a month later when I went to go pay for that months bill cycle ( XX/XX/2022 ). I was upset that I didnt notice because I have texts and notification alert for every purchase I make for this card and for that purchase I didnt get a single alert. I called Discover customer support and was set up for a fraud dispute. The transaction was taken off my account XX/XX/2022 and I wasnt reminded of it again since then. XX/XX/2022 I go on my Discover account to make a payment when I notice my balance was too high, and for me to notice that transaction was put on my account again on XX/XX/2022. I called there support the XXXX & XXXX of XX/XX/2022, and was told that the dispute was not in my favor because of my activity behavior with XXXX after I got my card replaced, which makes no sense since I never use my discover card to make such large purchases on XXXX. If discover made a true investigation, they would have noticed that Ive only used my discover card once this year to make a single transaction on XXXX of a total of {$58.00}. Any other time was the monthly subscription for XXXX XXXX. XX/XX/2022, the fraud case is being opened up again, I told the person on the phone that I believe my card might of been skimmed at a gas station and that I have to provide some sort of proof. The only evidence I can provide is the invoice of that single XXXX transaction that was made XX/XX/2022. Im extremely confused as to why Discover think that purchase was made with my XXXX account in the first place since I wasnt told if the merchant even confirmed with my information or even my address of Residence. This a poor work of investigation on Discover side.
Company Response:
State: CA
Zip: 93702
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A