Date Received: 2022-10-04
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 in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.
Company Response:
State: SC
Zip: 299XX
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XX/XX/XXXX, XXXX a letter from Discover Bank to XXXX XXXX thanking him for being a Discover Bank customer and confirming an address change on his account. He immediately contacted them and noted that he did not open any accounts with Discover Bank. We put a fraud alert on his account and they froze that account. Also received a notice that someone attempted to open a personal loan in his name with Discover Bank. He reported that as fraud as well. Discover Bank case number for our fraud claim is XXXX XX/XX/XXXX, XXXXPut a credit freeze on all three credit bureaus. Put fraud alerts in place. Was informed by Discover Bank that nothing was done with those accounts. XX/XX/XXXX, XXXXAlerted XXXX XXXX our bank account of the fraudulent accounts being opened in our name with another bank. At the time, we didnt see any odd transactions on our checking accounts with them. XX/XX/XXXX, XXXXTwo transfers for {$10000.00} each were made from XXXX and XXXX XXXX XXXX XXXX XXXX Checking account to two different Discover Bank accounts. ( Because we went away on vacation, these were not discovered until XXXX when we balanced our checking accounts. ) XX/XX/XXXX, XXXXReceived a letter from Discover Bank noting that accounts ending in XXXX, XXXX, and XXXX were opened without XXXX knowledge and these accounts would be closed. XX/XX/XXXX, XXXX to balance XXXX XXXX checking account for XXXX and XXXX. Discover the XXXX fraudulent $ XXXX transfers. Contact Discover Bank and contact XXXX XXXX. XX/XX/XXXXXXXX XXXXSigned and mailed to Discover Bank a Written Statement Identity Theft that lists the account numbers that were fraudulent. XXXX XXXX begins an investigation into our fraud claims. XX/XX/XXXX, XXXXSubmitted an Identity Theft Report to the FTC. Report number is XXXX. XX/XX/XXXX, XXXX XXXX provisionally transfers {$20000.00} + interest back into our checking account while the investigation proceeds. XX/XX/XXXX, XXXXSigned and sent a claim to XXXX XXXX Bank that stated the XXXX {$10000.00} transactions were not authorized. Case opened with claims investigator XXXX XXXX XXXX number is XXXX. XX/XX/XXXX, XXXXMet with XXXX XXXX bank at XXXX XXXX XXXX to open a new checking account since this information was stolen. Transferred money from XXXX Checking to Prime Checking. XX/XX/XXXX, XXXXContacted all credit card companies, utilities, XXXX, and mortgage to change e-bill payments to new checking account. XX/XX/XXXX, XXXXReceive notice from XXXX XXXX that they denied our fraud claim and that their investigation found these transactions were authorized. They are taking back the {$20000.00} provisionally given to us. Contacted Discover Bank, they are saying that XXXX XXXX needs to prove that it was fraud and there is nothing they can do until our bank proves it wasnt authorized. XX/XX/XXXX, XXXXSpoke to a claims manager at XXXX XXXX, they claim that Discover Bank will not release our funds back to our accounts because XXXX XXXX is still their client and those accounts are legitimate even though we had flagged them as fraud. Submitted another ID Theft Report to the FTC with the correct account numbers from Discover Bank, since we had used the transfer numbers previously. Discover Bank suggested we file a police report. XX/XX/XXXX, XXXXFiled a police report with XXXX XXXX Police XXXX system. XX/XX/XXXX, XXXXSpoke with Discover Bank. They said that fraud alerts had been put on the accounts. They gave us a claim number along with XXXX account numbers. We called XXXX XXXX and spoke to an agent who promised to expedite our issue and took all the information we gave them from XXXX XXXX. New claim number with XXXX XXXX assigned : XXXX. XX/XX/XXXX, XXXX XXXX from the Department XXXX XXXX contacts XXXX XXXX. We had filed a complaint with the XXXX because we were concerned that his information may have been stolen when he sent his passport in for renewal. It might be the case and they have opened an investigation into this. XX/XX/XXXX, XXXXReceived another letter from Discover Bank stating that there was an open investigation into the XXXX accounts that they had already stated were fraudulent. I signed another Written Statement of Identity theft and sent overnight this signed form along with documentation that Im including in this report : FTC identity theft claim, police report, and Discover Bank letters stating this was fraud. XX/XX/XXXX, XXXXSpoke with Discover Bank and they told us that XXXX XXXX needed to ask for a recall of funds. Spoke with XXXX XXXX Bank and they replied that they asked for the recall of funds, however, Discover Bank denied the recall, stating that the transaction was authorized by XXXX XXXX even though the accounts were flagged as fraudulent. XXXX XXXX is sending us evidence from their end of how this transaction was authorized. Discover Bank will not discuss evidence they have regarding the account authorization with us since they are not our accounts even though they are now holding our {$20000.00} and will not return the money nor will they give us proof of our own alleged authorization. Asked XXXX XXXX for documentation that XXXX XXXX approved the transaction. XXXX XXXX is sending the documentation they have which could take up to 30 days. Discover Bank refuses to send us their proof that they claim shows XXXX XXXX authorized the transfer of money from his legitimate checking account at XXXX XXXX to fraudulent ones at Discover Bank. Accounts that Discover Bank has admitted via a letter were fraudulent. Accounts that XXXX XXXX had signed a Written Statement of Identity Theft stating that those accounts were fraudulent and any transactions surrounding those accounts were fraudulent. Filed a complaint against Discover Bank with the FDIC : XXXX XXXX. We have done everything in our power to get our money back. We need help.
Company Response:
State: VA
Zip: 22003
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Discover Card closed my account due to two payments being returned and their inability to verify my identity. The payments were returned because the linked bank account was compromised from a lost debit card. I have always made all of my payments on time and have never had a late payment. Even after Discover account is close, I continued to make on time payments and the balance on the account is {$0.00}. As a service member, we sometimes do not get communication that our accounts may be compromised. Discover Card inability to verify my identity is because my address is a U.S. XXXX XXXX Address for XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Residential Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I've been based overseas for years. If Discover Card is treating me like this, I can only imagine how they are treating other Service Members that resides XXXX I strongly recommend CFPB look into Discover Card practices.
Company Response:
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
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: In XX/XX/2022 I noticed 2 charges for XXXX had gone through on my credit card ( automatic, reoccurring charge ) for XXXX and XXXX. I do not have a XXXX account. I called Discover and explained, they assured it would no longer go through. It went through again for XXXX so I froze the account and ordered a new credit card. The new credit card came and Discover CONTINUED to let the charge go through as it was a reoccurring subscription charge. In XXXX I called again, and filed a fraud dispute and asked for the money to be refunded and the card NOT allowed to be charged by that merchant again. The dispute case was resolved and they refunded three of the charges ( 5 total charges ) since you could only file the dispute online attached to each individual charge. I thought it was solved, but again in XXXX the charge went through. I called again. I was assured this time it was solved. BUT in XXXX it went through AGAIN. Spoke to another individual who enacted a feature on the card that will prevent any and all subscription services from pulling automatic payments. Unfortunately Discover does not offer any confirmation numbers, or email receipts of these conversations nor do they have a way to contact them in email so you can have written documentation. However, these conversations and notes are associated with my phone calls and when I call agents are able to look at the prior conversations. At this point I just needed the charges to stop - Discover has not refunded the money, but I just wanted it to stop. XXXX has NO record of this card ever being associated with an account. In XXXX, the card was charged once again. I just called today and was transferred about with no solution and no refund. At this point I have gone to Discover to fix it multiple times so it is time to pursue another avenue.
Company Response:
State: FL
Zip: 33414
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
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: Dear CFPB, I have a reasonable suspicion there is serious corruption occurring at Discover Bank with XXXX XXXX or airlines in general that should be investigated for harming consumers. On XX/XX/XXXX my significant other and I arrived well in advance of our flight XXXX XXXX at XXXX XXXX XXXX in XXXX, XXXX to XXXX, XXXX. We were allowed to check our luggage in, received our boarding passes and awaited at the gate. We were involuntarily denied boarding for unknown reasons without receiving compensation nor an explanation. A formal complaint has been filed with XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX and I have received no response ( except for automatic ). I have also tried contacting XXXX XXXX via telephone numerous times to no avail. As a result of not being able to take the flight for unknown reasons and as I did not receive the services paid for, initiated a dispute for this charge in the amount of USD XXXX with Discover Bank. During this dispute, XXXX XXXX claimed we were 'no shows '. This is a flagrant lie to a U.S. federally insured financial institution. Discover Bank informed me the charge was valid as we were 'no shows ' and they could not determine who was 'telling the truth '. For this dispute, I uploaded tangible evidence we were at the airport ( physical boarding passes received upon checking-in with approval to board, physical passport stamps at customs, a taxi receipt showing the drop off at the airport with the time indicated well in advance of our flight, the physical sticker placed on a luggage to track it in case it is lost as our luggage was boarded to the plane ) etc. I still can not comprehend why Discover Bank 1. ) they would knowingly allow a XXXX XXXX to provide false statements and 2. ) not formally review the evidence provided and act in the best interest of the consumer. They stated an account manager would call me and this never happened. As I never received a call, I followed up to Discover Bank requesting to speak with an account manager. After 30 minutes, the account manager was finally connected and informed me that if a merchant lies, Discover can not do anything nor do they have a duty to do so. I found this astonishing that merchants can lie to U.S. federally insured financial institutions without any repercussions, as if I, a consumer, were to lie to a U.S. financial services company would face very serious fines and consequences. I have also filed a complaint today, XX/XX/XXXX with the U.S. Department of Transportation and the FDIC. Due to such odd behavior at Discover Bank, there is a clear indication that Discover Bank should be investigated and I am sure that I am not the only consumer impacted. CFPB should be aware of this ongoing activity at Discover Bank and investigate.
Company Response:
State: IN
Zip: 46360
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The credit report is showing a Discover Personal Loan with an outstanding balance of {$6400.00} whereas the loan is paid off with a XXXX balance.
Company Response:
State: IL
Zip: 60611
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: My account was closed with Discover due to them being unable to verify my personal information on my account. I have not been reached regarding this matter and I feel that Discover canceled my card prematurely, without taking any further steps to verify my identity.
Company Response:
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: XX/XX/XXXX, call from Discover Card to remind me to fill out and file a form they allegedly sent me in XXXX to verify my identity. I never got the email so they sent it again. They claim it was a random identity check, but the form requested authorization to look at my last two years ' tax returns. They also asked for my social security number, both of which I declined to do. I smelled fraud. I told them so. They said it was a random check. I said, you dont need my tax returns to verify my identity, and you dont ask for SS numbers on an unsecured phone line. They then asked alternate questions and finally agreed I was who I said I was. But they wouldnt reopen the account. Today I was declined a purchase even though there was adequate credit. I called the number on my card and got the same story. Ridiculous.
Company Response:
State: MA
Zip: 02149
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Back in XXXX of this year, 2022, I did a balance transfer and made an error, causing me to end up with a negative balance on my Discover credit card. I made some purchases on that card to use up some of that balance but ended up leaving {$160.00} because I wanted to make a transfer back to that card from another higher interest card and use that money to defer some of the fees. I come back in XXXX and find that the money is gone. I contacted customer service ( don't remember the exact date ) and they tell me they sent out a check on the XXXX of XXXX. I told them I never received it and they confirmed that the check was never cashed. They said they would put a stop payment on it and send out a new one and I would receive it in XXXX business days. On XX/XX/XXXX, they credited and then debited my account {$160.00}. I didn't see this until the end of XXXX ( I don't check my accounts often, I probably should, lol ). Not sure why they would do this. It is now XXXX, and I still have no check. It seems like they are making this harder than it needs to be. Especially since the lady confirmed that the initial check was never cashed and all they had to do was cut a new one.
Company Response:
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XXXX my I saw my Discover Credit card has unauthorized {$10000.00} transaction. Immediately I called Discover Credit company and tell about unauthorized transaction. But Discover charge that unauthorized transaction And denied. I report the police but Discover need more proof.
Company Response:
State: NY
Zip: 12205
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A