Date Received: 2022-09-06
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Discover account number XXXX XXXX XXXX XXXX I was denied an extension of my own consumer credit under my own open end consumer credit. This is adverse action pursuant to 15 USC 1681 ( a ) ( k ) ( 1 ), and 15 USC 1691 ( d ) ( 6 ), UCC 8-105//UCC 8-502
Company Response:
State: NY
Zip: 10475
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Pursuant to 15 U.S.C. 1693f, I hereby demand that your financial services institution remit reproductions of any and all documents/materials used to substantiate the conclusion that a billing error did, or did not, occurr. [ Background ] My mother made an ACH payment authorization to have funds debited from her bank account to pay on my statement. 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. I filed a billing error notice within the sixty ( 60 ) day period. XXXX XXXX, in Discover Executive Office of XXXX XXXX, 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 XXXX 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. The steps in the billing error process are quite clear. 15 U.S.C. 1693f ( d ), " Absence of error ; finding ; explanation, '' states ''If the financial institution determines after its investigation pursuant to subsection ( a ) or ( c ) that an error did not occur, it shall deliver or mail to the consumer an explanation of its findings within 3 business days after the conclusion of its investigation, and upon request of the consumer 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. The financial institution shall include notice of the right to request reproductions with the explanation of its findings. '' XXXX XXXX resonded to CFPB complaint XXXX with a copy and paste summary -- there were no documents attached. XXXX XXXX XXXX, as agent for Discover, is knowfully and willfully violating 15 U.S.C. 1693f ( d ), or he has no docunentation to indicate a reasonable billing error invesigation was conducted. If you refuse my demands, I will pass this matter along to my attorney and file a complaint with DOJ : US Attorneys Office for my district.
Company Response:
State: MI
Zip: 48103
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Other features, terms, or problems
Subissue: Credit card company forcing arbitration
Consumer Complaint: I have been paying Discover card monthly. I got a notice last Thursday XXXX the account has been charged off as a bad debt.Please call us so we can better understand your situation and try to work with you. You may be able to settlethis debt ofr less than the balance you owe. Reach us promptly at XXXX or chat with an agent online at Discover.com - we're available from Mon-Fri XXXX to XXXX, sincerely, Discover Customer Assistance and Recovery This is an attempt to collect a debt and any information obtained may be used for that purpose. The total {$33000.00} I have been paying them off the offer to sttle the debt was for {$3400.00} I was paying on that and had to move lost the part time gig and was nearly XXXX which they knew. I was trying to get a part time gig and go to school while still paying {$50.00} per month for {$4000.00} then I get this XXXX!!!!! They just decided to refigure the amount twice!!!!!! How nice wish I could do that. They are pissy because I REFUSE to let them deduct from my account. OH XXXX XXXX!!!!!!!! Last time they cause {$71.00} in insufficient fund charges.
Company Response:
State: NC
Zip: 27607
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I was informed via Email that my card would be put on a security freeze while they verified my identity. It had been over 2 weeks since I went through the required steps that Discover asked and I'm still unable to use my card. There was no indication this would be done otherwise I would have opened another credit card to use. This is a bad practice and as I said there was no indication from Discover that this would be done.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX Number.
Company Response:
State: GA
Zip: 30040
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
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 contacted Discover card about a {$3.00} charge from XXXX will not stop the charge because I do not have a serial number even though there is a chance that the product was returned to them..XXXX alleges they dont know what product so they wont cancel servicewhen I contacted Discover they directed me to XXXXno one wants to take ownershipI want charges reversed for 12 months or around {$50.00} and the charge to immediately stop
Company Response:
State: CA
Zip: 90631
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/2019 {$280.00} from discovery
Company Response:
State: OH
Zip: 43110
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In XX/XX/2023, I applied for a Discover credit card. Discover verified all my personal Information which was confirmed by my credit reports and Discover approved me for a {$2000.00} line of credit. Here is were it gets very interesting : Less than 2 months later, on XX/XX/2023 Discover closed my account, I received a letter which is attached to this complaint stating : " As a result of a recent review we have closed the account above : '' We have taken this action because we were unable to verify personal information on your account ... '' If Discover verified my personal information previously what other information could they possibly be referring to? This seems to be a security issue for me which is impossible to address unless Discover provides the specific " PERSONAL INFORMATION '' they were unable to verify months after they seemed to have verified it. I am requesting the Exact/specific Personal Information Discover claims they could NOT verify so that I may take the proper steps to protect myself. If Discover can not provide that information it is clear they closed my account for other reasons that very well may be discriminating. At which time I will file a civil suit and we can go through the discover process. Further, by closing my account and reporting this account as " Closed by credit grantor '' has a NEGATIVE impact on my credit report causing me harm for the next 7 years.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: INFORMATION FOR DISCOVER CARD On or before XX/XX/XXXX someone at XXXX ( XXXX XXXX ) set up an account with XXXX using the name XXXX XXXX or XXXX XXXX XXXX ant transferred or charged the amount of XXXX! ( attachment XXXX XXXX ) On or after XX/XX/XXXX a fake bill was made ( Fake Bill ) On or before XXXX XXXX, XXXX the fake depth was transferred from XXXX bank XXXX XXXX ( Bill of sell, Crook 1, Crook 2 ). From about XXXX to XXXX someone was transferring money from my credit cards to fake accounts set p by these two crooks. I thought it was Discovery card but now with these court Documents I believe it was the two crooks 1 and 2.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-04
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Discover Bank harasses me sends people to spy on me violates confidentiality agreement gives out confidential info behind my back and slanders me with it
Company Response:
State: NY
Zip: 10512
Submitted Via: Web
Date Sent: 2022-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-04
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: Discover incorrect reports my name on my acct to the credit reporting company employee of discover harasses me with confidential info and slanders me defames me, acct paid off tells people i dont pay my bills when i do
Company Response:
State: NY
Zip: 10512
Submitted Via: Web
Date Sent: 2022-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A