Date Received: 2022-09-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I explained to the internal customer rep these 2 complaints are linked together. I had been paying {$100.00} per month previously. I left the part time job because the employer was abusive paranoid drunk. I have been trying to obtain a part time job and was trying to make contact with them at the time. They went into my bank account without my consent causing {$71.00} in overdraft fees. Then I did get a hold of them and did agree to terms with a verbally combative customer rep. While trying to not become XXXX. I have been paying monthly the agreed {$50.00} per month. He said they showed no agreement. I said that is a LIE!!!! I told the inside rep that the aggressive rep accused me of lying. They would roll audio tapes. I said go ahead. He got pissy when I refused to give him bank account information and told him I would send it from my bank to their bank. Then I hung up. I stressed to the inside rep I am not the only person this has happened to I know other former NC State workers this has happened to with Discover. I could go to small claims court and win on this one. Just because you take a payment once from my account does not mean you can do so here after.
Company Response:
State: NC
Zip: 27613
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
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 am a XXXX and charged a {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) fee on XX/XX/XXXX for a test that is due to take place on XXXX XXXX. Soon afterwards, I found out that someone was using my Discover Credit Card and I opened a fraud claim with Discover ( this has been resolved, except for this issue ). ( Discover accidently included this {$450.00} test fee in the fraud claim ) and put a hold on the {$450.00} test fee to XXXX. I did not realize what had happened until XX/XX/XXXX, at which time Discover said they would release the hold on the {$450.00} test fee back to XXXX. On XX/XX/XXXX, XXXX still did not have their {$450.00} off the hold from Discover, so they credited my Discover account {$450.00} and asked that I resubmit a new payment for the test. In order to not miss the deadline for the XXXXXXXX XXXX, I paid with A DIFFERENT CREDIT CARD, {$450.00}, on XX/XX/XXXX to XXXX to take the test on XX/XX/XXXX. ( Proof of all of this has already been sent to Discover ). Discover received their credit from XXXX effective XX/XX/XXXX to my account, however, refuses to take it off my bill AND is charging me interest on the money. I have been to the XXXX and I have had many conversations with XXXX in the Dispute Department at Discover. The last request from XXXX at Discover Dispute Department wanted a statement from XXXX with the fact that a credit is due to my credit card, the last 4 digits of the card, the effective date of the credit due, and the amount of the credit ( {$450.00} ). XXXX promised when she received this information, then the issue would be fixed. She received this information via email on XX/XX/XXXX within days of her request and now XXXX/Discover is still refusing to stop the fraud and financial abuse of me as a consumer. The most recent conversation was today XX/XX/XXXX at XXXX XXXX where XXXX from the Discover Dispute Department said they will NOT remove the charge that ( 1. ) they were credited back the money by XXXX effective XX/XX/XXXX and ( 2. ) the test/product that the money was for doesn't even take place until XXXX ( so the charge could be easily removed ). I thought your company would be my next step for a resolution to stop the fraud and consumer abuse ( I expect the {$450.00} charge to be removed asap AND any associated interest, and hopefully a written apology ). This is fraud at the highest level. I am curious how many other Discover customers are being fraudulated by the credit card company, Discover.
Company Response:
State: SC
Zip: 29466
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: On XX/XX/XXXX a contractor named XXXX XXXX of XXXX XXXX XXXX XXXX charged my DISCOVER credit card for {$2500.00} for foundation work done on my property at XXXX XXXX XXXX XXXX XXXX TN XXXX I was in XXXX XXXX CA so I had no way of knowing if foundation work was completed or not had to trust his word... In XXXX of XXXX I get an email from my realtor that foundation work had to be done before house could be sold so she sent pictures and statements so I had work done again by another contractor XXXX and they fixed work meantime I called DISCOVER bank to get a dispute of {$1200.00} of the {$2500.00} since XXXX XXXX XXXX XXXX only did half the work. When I called DISCOVER bank in XXXX of XXXX they issued me a temporary credit of {$1200.00} and I sent documents to them what realtor sent to me so I thought that was the end. In XXXX of XXXX DISCOVER bank reverses charges and my account is now over the Ratio limit which kills my credit they informed me I needed necessary documents and once I sent all documents I was told sorry its been over a year we can't help you. That's sad when numerous agents assured me for months that I would receive relief and not to worry.
Company Response:
State: CA
Zip: 91361
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My mother made a payment on my account using an ACH authorization that was scheduled with a live agent on XXXX XX/XX/2022. The authorized ACH was in the amount of approximately XXXX dollars. XXXX, the live agent, scheduled the payment and provided my mother with the reference number XXXX payment posted and no payment reports as having been returned. However, on or around XXXX XX/XX/2022 I received notification that my account had been automatically closed due to non-receipt to keep the account open. The authorization took place on or around XXXX XX/XX/2022 and was returned with XXXX -- unable to locate. This is a distinct error code from XXXX -- NSF, XXXX -- closed account, or XXXX -- invalid account number. The account exists. The account is open. The first and last name on the account, as provided TO the representative was correct. The individual authorizing the transaction was the owner of the account. The financial services institution has no record of your firm having presented payment and has confirmed funds were available for debit.Therefore, I filed a billing error notice within the sixty ( 60 ) day period. XXXX XXXX, in Discover XXXX XXXX XXXX XXXX XXXX, allegedly conducted an investigation. In a follow-up conversation he conceded that when comparing the supplied account information disclosed with the live agent, he was ony able to match the last four ( 4 ) digits of the account being debited. That is, whomever, and through whatever investigatory process he recieved the transaction information from, it/they provided him only with the last four ( 4 ) digits of the account number to match against the phone-based ACH authorization with a live agent that occurred on XXXX XX/XX/2022. And, although he was given the full routing number for the financial services institution, he was not provided with the first name and last name as keyed into the ACH authorization by the live agent. This is troubling as the error could be on the part of Discover and its live agent. The investigator was not provided with that information. Under 15 U.S.C. 1693f ( d ), " Absence of error ; finding ; explanation, '' if after conducting a billing investigation a financial institution determines that an error did not occur, it must deliver or mail to the consumer an explanation of its findings within three ( 3 ) business days after the conclusion of its investigation. Moreover, upon request of the consumer, a financial services institution must promptly deliver or mail to the consumer reproductions of all documents which the financial institution relied on to conclude that such error did not occur. Finally, the financial institution must include notice of the right to request reproductions with the explanation of its findings. Discover has neither provided the reporoductions of any and all documents, nor responded to CFPB complaint XXXX. Discover has refused to explain what exactly took place. It seems likey they are doing such to escape any potential liability under 15 U.S. Code 1693h. Overall, Discover has failed to supply requested documentation that would eliminate the possibility of an error on their part under 15 U.S. Code 1693h ( a ) ( 2 ), specifically but not limited to computational error, incorrect funds transfer, or the omission from a periodic statement of the ACH transaction being applied to my account. Clearly, Discover has refused to provide reproductions of any and all documentation to show that a billing error on their part did not occur they provided zero ( 0 ) documentation, which itself constitutes both an error on their part, and an unfair, and unlawful, practice because they are knowingly and willfully refusing to supply the requested documentation to me. At the same time, they are continuing to furnish data to the CRAs that is a result of their own processing errors, claiming that the information is accurate and verifiable. Information is patently unverifiable if they are unwilling to provide that documentation to a consumer that is entitled to request AND receive that documentation under 15 U.S.C. 1693f ( d ). A more detailed explanation, as written to USDOJ is attached.
Company Response:
State: MI
Zip: 48103
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XXXX i received a notice via mail from XXXX XXXX XXXX, XXXX XXXX XXXX that I owed a debt of {$2200.00} to Discover Bank. They presented incorrect information on the notice. The letter date they have listed is XX/XX/2022. They also stated that I had to write to them by XXXX otherwise they would assume the debt is valid and continue their collection efforts. It is very concerning that I am just now receiving this notice on XXXX after the date that they said I needed to respond. I feel like they purposely delayed sending this until well after XXXX so they could make it appear that I did not respond within that timeframe so they could continue with their collection efforts. The letter we received on XXXX is the first and only time we have heard from this law office. The reference number listed on the letter is XXXX. The Discover account number is XXXX. I have attached the letter that was sent as well as confirmation from USPS on when the letter was out for delivery.
Company Response:
State: OK
Zip: 73099
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: There is a lien on my property from Discover Bank ( XXXX ) for a loan ( {$35000.00} ) which was paid off completely 15 years ago. However my Title Company says that Discover Bank XXXX Discover Home loans ) has a lien against the property. I have difficulty in selling this home because of this. At the time of the loan the house was in joint name but my wife has now passed away. I need this lien to be released immediately. I have called several numbers in Discover Bank and they have no record. They don't have an loan number either. They tell me that the loan was serviced by somebody and they told me to contact two other companies to obtain release and they both say that they don't have an outstanding loan on the property or in my name or SS #. However nobody is offering to release the lien. I am stuck because of the incompetence of the Discover Bank and its loan servicing companies. I am also losing money. Please help me with a solution. I am providing the name and address of the property to help the process. Property XXXX, XXXX XXXX XXXX MD XXXX My name XXXX XXXX XXXX ( AKA XXXX XXXX ) Wife XXXX XXXX XXXX ( deceased )
Company Response:
State: CA
Zip: 947XX
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/2022, XXXXXXXX XXXX paid Discover electronically {$1300.00} for a balance transfer that I requested. I provided documents to Discover to show XXXX XXXX paid them. Four months later, Discover has yet removed the {$1300.00} from my account. So I am being overcharged in credit fees of {$1300.00}.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: under SS.1026.2 definitions and rules of construction number ( 3 ). 1026.2 ( a ) ( 3 ) ( i ) application means the submission of a consumers financial information for the purpose of obtaining an extension of credit and they denied me and i did fill out an application with discover card and as stated under title 15 US Code 1605 determination of finance charge i extended my credit to them and they fraudulently still denied me my own credit there for that is a crime under title 15 US Code 1611 criminal liability for willful and knowing violation and want them to provide me with my discover credit card with open-ended-credit/unlimited immediately without hesitation. application number XXXX
Company Response:
State: NY
Zip: 11377
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I am receiving phone calls every 20 minutes all day long every single day. It doesnt matter what time time or day is. They are calling me. Ive made a payment to my account. I am being harassed and it is annoying. Leave me alone!!
Company Response:
State: NV
Zip: 89436
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I requested a balance transfer from my Discover card to one of my XXXX XXXX cards of {$2400.00}. On XX/XX/2022, XXXX XXXX paid Discover for the balance transfer. Discover claims they can not find the funds. I have provided documentation from XXXX XXXX. Discover has yet to remove the balance transfer from my account and it has been XXXX months. I filed a separate complaint regarding another balance transfer of {$1300.00} done on the same day.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A