Date Received: 2022-09-16
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened a checking and savings account with Discover Bank at the beginning of XX/XX/2022. A week later after I opened the accounts ( around XX/XX/XXXX ), I receive an email saying my account was closed due to a business decision so I then tried to login to the app and website and got an error message saying that the accounts were suspended and I needed to call their Discover Bank phone line. I did that, and they told me that I needed to wait a full 60 days from the date that the account was closed before they could begin processing a check so I did that. It is now Friday, XX/XX/XXXX and I called them back and turns out they can not process my check until they verify my identity by me uploading an image of my drivers license to their online file service. I did this, but it seems like every time I call them I get different answers on how long to wait, what needs to be done, etc and I just would like my money back soon because I am currently broke and depend on that money.
Company Response:
State: IN
Zip: 461XX
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Discover been making life unbearable for me. Limit was {$1600.00} and payments was made. They keep reporting inaccurate balance which is really messing up my credit so bad. Ive tried to resolve issue with them but they not having it.
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Discover has placed a hold on my credit card ending in XXXX for the second time and I send in documents and my bank statements and other important docs and now they have me resend them again and starting its all over again .. and I already done this on a pending application for a second discover card and the fraud dept refused to merge the documents over .. and now I have to wait more additional time for it comes back to XXXX and I dont trust XXXX with my information since Ive been a victim of fraud with them in the past I dont know if I want keep this credit card open since its a only a {$500.00} credit limit
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Called Discover on XX/XX/XXXX for the payoff amount was told it was {$18000.00} and within the 120 day deferred interest period until XXXX. I clearly asked if the loan is paid off by XX/XX/XXXX the amount will be {$18000.00} or original loan amount $ XXXX payments and was told YES repeatedly. Called today XXXX to pay it off and was told it was {$18000.00} and that interest was not deferred?
Company Response:
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Hello officer, On XX/XX/2022, I opened my Discover card account successfully. On XX/XX/2022, I activated my Discover card account successfully. On XX/XX/2022, Discover required my consent to receive income information from the IRS. I gave them permission to check my information from the IRS by signing Consent Form XXXX At this moment, Discover temporarily froze my account to use. On XX/XX/2022, Discover completed verification of my account successfully, and my account was lifted. On XX/XX/2022, Discover closed my account permanently since they are not able to verify my personal information on my account. I dont understand why Discover closed my account since I filed my tax to the IRS and state tax office and got a refund successfully. I am not sure what information they wish to verify. Since my account is closed with ambiguous reason, I wrote a mail to Discover to ask for a reason, but I didn't get any response. In XXXX, I tried to reopen my Discover account, and I was rejected since I did not have sufficient credit history. At the same time, I tried to open one XXXX XXXX XXXX XXXX XXXX XXXX credit account which does not require good credit history at all, but was also rejected. I believe that Discover severely hurt my credit history for no reason, and even forbade me to apply for a credit card in another company.
Company Response:
State: VA
Zip: 24060
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have been experiencing suspicious activity from my XXXX bank. Ive made complaints and the organization was not taking my concerns seriously. I ordered cards and changed my security and suspicious activity continued. I did not feel like my funds were safe and decided to create a new checking account. On XX/XX/22 I chose to discover bank as I liked the perks and what they had to offer. I was disappointed at the time ; they were not offering a checking account due to some company update. I told myself, Ill wait and make savings account to secure my funds. I make a {$500.00} transfer from XXXX to Discover bank. I realized I transferred everything leaving me with {$0.00} to cover for daily expenses like gas. I transfer {$60.00} back from discover to XXXX but my card was locked and became suspended. Ive even paid 1 or 2 bills using my discover ACCT # and R # discover since I couldnt use the XXXX card. Yesterday XX/XX/22, I moved {$250.00} from XXXX to discover, and then discover sends an email that my account is suspended for suspicious activity and provided me with no explanation. I called them and I was informed that the bank made a decision to close the account. They did not provide an explanation. I filed a complaint with them. I do not understand whats suspicious about me slowly transferring all my funds to Discover. The worst part of it all is that they are withholding my {$500.00} for 60 days and I have a major concern with that. That does not sound legal to me, I need someone to help me resolve this or to at least reconsider opening or sending {$500.00} as soon as possible.
Company Response:
State: AL
Zip: 35235
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
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 have tried so many times to pay this credit card and everytime they add to what I owe. I have been paying them consistently enough to cover my interest and they add extra fees for no reason. This is the second time Ive had this issue with them. I want to pay them off but Im afraid they will claim my money was not in the bank and then im out {$1500.00} because they dont want to give my money back but wont put the correct balance on the account. If this complaint isnt taken seriously, I will be going to the Better Business Bureau and if it still isnt taken seriously, then further action will have to be taken. I will include the dates and amounts that I can and the rest I will show documented screenshots from my account. I had paid my account down to {$1400.00} and now they pushed it back up to XXXX. Apparently it was at XXXX but I pay consistently so they took it down. Either way the balance is incorrect. XX/XX/22 {$16.00} XX/XX/22 {$18.00} XX/XX/22 {$7.00} XX/XX/22 {$20.00} XX/XX/22 {$37.00} XX/XX/22 {$26.00} XX/XX/22 {$56.00} I included another document of a payment I made to them of {$100.00} ( when I created my first complaint on this site ) and more money in the past that Ive paid to them between them and now that they claim was sent back to my bank or that it was never in my account but it definitely posted.
Company Response:
State: GA
Zip: 30310
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Hello, Discover credit has randomly decided to close my account without providing any proof as to why. I have submitted all the required documents they asked for, along with also getting approved for the card just a few months ago. This is completely unfair and this choice of " randomness '' will negatively affect my credit score. I'm not able to dispute this directly with them, which has lead me here. I am looking forward to receiving a resolution for this. - XXXX XXXX
Company Response:
State: FL
Zip: 33432
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: My name is XXXX XXXX and I was a managed user on my father in laws card. Me made me aware that he called in about my identify theft I been fighting and was asking about who would be responsible for the fraudulent debt paid with a XXXX to XXXX XXXX and the answer is XXXX XXXX. With that said he told Discover not to do anything and leave the card alone. However, the agent decided to take it upon themselves to dispute not just XXXX XXXX but all 12 Balance transfers that were done on that card. This caused mass confusion between myself and XXXX XXXX my father-in-law. We called multiple times at first with no responses and no one able to help telling us that they can not on undispute a dispute Which makes absolutely no sense because every card company I know of has done that. This resulted in two of my credit cards shutting down because they thought I did it and that was against their policy XXXX XXXX now has two cards shut down of mine which I was using to run my company and ultimately made me lose a ton of money and hurt my credit to the point where it was impossible to get a new one. Eventually we got in touch with somebody that undisputed the dispute and we got a letter stating that however somewhere along the line it got reversed then undisputed again and reversed then ended up saying that they couldnt determine who we were so we were responsible for the debt which also got reversed and then came the same balance that we had previous even though they took money back from XXXX XXXX XXXX and other institutions and said that they never received it finally they ended up finding it and crediting it back but not giving it back to the company like we told them to because they messed it up so we needed the money to go back to the institution that they originally paid so the cards can get reopened and we can get a letter stating it was a bank error and there was no issue on our side Discover credit card did not do this and still to this day did nothing to help us I and my father-in-law wrote a letter sending to all institutions of the issue that was going on with Discover and that they will be getting their money as soon as we can figure out what was going on. Most institutions listened however there was time frames and discover has missed them by far which is why I have two closed credit cards which ultimately hurt my credit a lot and the inability to run a business because I need to make purchases for every guy I hire equipment wise vehicle wise so on and so forth. With this being said we need this fixed asap as I can not build my company and provide for my family. And its very frustrating and I can not continue to fight banks and credit card Companies anymore as Ive been fighting them for over a year because of identity theft.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have contacted all three credit bureau over 11 times for the last 6 years to have this information removed, provided police reports statement and no assistance. Contacted both credit bureau and companies reporting the accounts and nothing has been done in 6 years to fix this issue after providing documents both companies requested. XXXX XXXX XXXX, XXXX XXXX {$2500.00} original balance {$33000.00} ( I do not have an account number ) this is fraud account Date opened XX/XX/2016 XXXX XXXX XXXX XXXX Balance {$2000.00} ( I do not have an account number ) this is fraud account Date opened XXXX XXXX Discover bank Balance {$1000.00} ( I do not have an account number ) this is fraud account Date opened XX/XX/2016 2016
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A