Date Received: 2022-09-04
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened a savings account with Discover Bank on XX/XX/2022. I funded the account via ACH from my XXXXXXXX XXXX checking account, sending {$25000.00}. After I called Discover I was told that it had chosen to no longer work with XXXX. Without the option to return funds to the bank from where I had transferred the funds, I chose to transfer my money to XXXXXXXX XXXX via ACH. I was assured on the phone that this transfer would go through. Despite these assurances the transfer was cancelled and Discover Bank closed my account without providing any written or verbal communication that my account had been closed. My money has now been held since XX/XX/2022. I have spent numerous hours on the phone with Discover Bank. I was told my money would be mailed via check within 60 days of the last deposit. After waiting a couple weeks without recieving any communication from Discover Bank, I called and was told that the money would be mailed not within 60 days of the last deposit, but after 60 days. I asked numerous times for an explanation as to why my account was closed. I also asked for written confirmation that my check would be mailed and each time I was told that Discover Bank would not send me any information via email, even if this information was just confirming the conversations I had with agents. I am still unsure as to when I will receive my {$25000.00}.
Company Response:
State: MI
Zip: 48104
Submitted Via: Web
Date Sent: 2022-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was working with Discover to process an offer made to me. They required additional documentation to be submitted. I had not submitted Yet, an inquiry was made to my report. I reached out to Discover to find out why an inquiry had been made and we had not completed the application, the chat agent confirmed that an inquiry should not have been made at this point of the application. There was explanation from Discover why an inquiry had been made and the application had not been complete.
Company Response:
State: CA
Zip: 95841
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: The credit card company " Discover '' refused to lower the 24 % fees or help by reducing the monthly payment. I could not continue making payments, due to lack of work and my SSI could not handle the extra fees and penalties. I am XXXX years old and SSI is my primary source of income. The credit card company added more fees and wants me to pay the new fees @ 6 % interest, but refused to offer that when I was able to make payment. XXXX help, I am being harassed by a loan shark that ruined my credit and I can't even get a HELOC Home Equity line of credit to pay these bogus charges because of my credit rating.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
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: RE DISCOVER ACCOUNT ENDING IN XXXX You are hereby ordered to CEASE AND DESIST all actions! You are hereby in RECEIPT OF NOTICE under the Fair Debt Collections Practices Act, RCW 62A.3, RCW 19.16 and 19.86 regarding your above referenced file number and presented with a CONDITIONAL ACCEPTANCE OFFER. In an effort to settle this matter in the most efficient possible manner, I hereby CONDITIONALLY ACCEPT your demand for payment in the above-named matter upon your complete and total fulfillment of the following conditions : Condition:1. A Notarized copy of the ORIGINAL WET INK SIGNED CONTRACT and all other supporting documentation that give rise to and lawfully support the alleged obligations your Company now claims is owed. Condition 2 : Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally make me liable for this alleged debt. Condition 3 : Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally allow for the collection of this alleged debt. Condition 4 : Provide verifiable proof that any actual money was ever created or loaned to me by Your company, and not mere bookkeeping entries that were made in an attempt to establish the alleged obligation or debt, and in which case, this entire matter would constitute fraud on your part. You have twenty-one ( 21 ) days from receipt of this Conditional Acceptance to respond on a point-by- point basis, via sworn Affidavit, under your full commercial liability, signing under penalty of perjury, that the facts contained therein are true, correct and complete, and not misleading in any manner whatsoever. Declarations are an insufficient response, as declarations permit lying by omissions, which no honorable draft may contain. Your failure to accept my Conditional Offer of Settlement by producing each and every requested answer, record and/or documentation, will constitute your stipulation that I have no duty or obligation to any portion of the above aforementioned debt whatsoever, and that you have no right or basis to pursue any further collection. Be advised that notice to any agent in your firm or under your employ regarding this Conditional Offer of Acceptance is considered notice to any and all principals. Further, your failure to fully and completely respond on a point-by-point basis, as well as ANY ACTIVITY by your company to secure payment with a Writ of Garnishment, before responding to this Conditional Acceptance, shall be deemed as an Agreement with the facts as stated in the attached Affidavit, and shall be further deemed an Automatic Dishonor of this Conditional Acceptance and your Agreement by you and/or your firm to the immediate payment of {$75000.00} USD, payable to XXXX XXXX as compensating damages. Signed from without the United States in accordance with 28 U.S.C., Sec. 1746 ( 1 ). All rights are reserved without prejudice, UCC 1-207 and RCW 62A.1-207. I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
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: Discover Card is continuing to show the shady ethics of a back alley loan shark while their false advertising campaign shows a world of sunshine and rainbows. The longer than necessary dispute with them over unauthorized charges has been rewarded with charges being placed back on my account. Three charges of XXXX dollars with the label of, " XXXX XXXX XXXX '' have shown up on my statement ending XX/XX/2022. Discover Card needs to be shut down and it's business license suspended due to a lack of honesty.
Company Response:
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I put a downpayment of {$500.00} on a secured credit card with Discover. On XX/XX/XXXX, I noticed that the credit limit had increased, I was not notified of this change. I was told that a check had been mailed on XX/XX/XXXX and that it would be received in 5-7 days. That check was sent to an out of date address. On XX/XX/XXXX, I notified an agent of my updated address. On XXXX, I was told that the previous check was stopped, a new one was mailed, and I would receive it in 3-7 business days. On XX/XX/XXXX, it still hadn't arrived. I was told that it would now be up to 30 days from date of request. On XX/XX/XXXX, I was told 13-17 calendar days, but to allow for 30 days from the date of request ( the request was submitted on XX/XX/XXXX ). The agent could not confirm if the check was sent. On XX/XX/XXXX I spoke to another supervisor and was told after 13-17 calendar days from date of request, and to ask for a deposit to a bank account if not received. On XX/XX/XXXX, another supervisor took my checking account information and stated that he had begun an ACH transfer and that I would receive the {$500.00} to my bank account within 3 days. When that didn't happen, I contacted them again, it had never been processed. I spoke with an agent the week of XX/XX/XXXX who told me that my check in fact had not been mailed on XXXX, but XXXX, if at all. I have spoken to dozens of agents whom have mostly all given inconsistent time frames and false promises. Throughout this process, I have gone into debt with this company because I have not been given access to the funds that I am owed. They simply try to sell me on new services that they offer and to recover {$38.00} from me when I am owed {$500.00} from them. Despite constant contact, I continue to be given false information or am completely ignored. I can no longer use the chat customer support feature because the agent left my chat open while transferring me to a supervisor. I have never left a survey response because I have learned of the way customer support representatives are treated if they don't meet the company standard of positive response percentages. As of writing this, I have been waiting 38 days. I spoke with another supervisor today and was told that the ACH transfer will be submitted today, but but it will take up to 10 days instead of the 3-5 quoted by two other supervisors. I asked for the money to be credited to my account, but was notified that they no longer offer that option. In XXXX, when Discover had to refund their customers {$120.00} million for deceptive credit card practices, this was an option. I am mystified by the inaccuracies, inconsistencies, and sheer incompetence that I continually endure at the hands of Discover.
Company Response:
State: NY
Zip: 11211
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Discover Card is Blocking me from Activating my Approved Card after negatively impacting my Credit Scores on XX/XX/2022 and sending False Advertisement Emails which appears as if you can activate the approved card, however, the online system is Nott allowing me to Activate my approved Discover Credit Card online or via the XXXX number, unless I sign a 4506-T form to turn over my Tax Transcripts! This is completely a " Bait and Switch '' tactic. I also called back the representative who claim the initial Claim I submitted to CFPB was being reviewed and to reach out to his direct Customer Advocacy line, however, I receive ZERO response when I attempted to reach out and also left him a Voice mail as well. I am now not being allowed to Activate my Approved Discover Credit Card because I did not agree to sign a release of a 4506-T sent by XXXX to Release my Tax Transcripts!!!! The Prior submittal consisted of the following content : " I recently applied for Discover Card on Wednesday - XX/XX/XXXX at XXXX and received an Approval Notification stating that I would receive my card within 5-7 Business Days and was Congratulated on the Offer. However, I then received a " bait and switch '' notice on Saturday - XX/XX/XXXX requesting a copy of my Tax Transcripts which Discover Card had XXXX ( XXXX XXXX XXXX ) send to my email requesting that I submit a Form 4506-T, after they had approved my Credit on XX/XX/2022. Also, my scores took a negative hit on XX/XX/XXXX, after applying for the Discover Rewards Card. Also, this a Discriminatory Practice against XXXX XXXX XXXX who are heavily and unnecessarily scrutinized for applying for a Discover Credit Card. This request was very biased and subjective with their random requests. This is an issue because Discover has already verified my Credit and identified other open lines with major companies. So, the " bait and switch '' is an illegal discriminatory practice targeted heavily towards XXXX XXXX XXXX. There are other ways to verify a customer versus requesting your Tax Transcripts via a 4506-T Form they forced XXXX to send out as their 3rd Party Vendor who has also been sued for Security Breach issues as well. When I called Discover Card on XX/XX/XXXX, after receiving this outrageous and outlandish request which also alludes to FALSE Advertisement and Misrepresentation when applying for Credit that was approved on XX/XX/XXXX, I was threatened by the Customer Service Representative and Discover Card that if I did not turn over my Last 2 Years Tax Transcripts, they would Cancel the card which was enroute and I would not be able to utilize the card. After, I informed them that I would not turn over my Tax Transcripts, based on this biased and blatantly Discriminatory practice which also evades and violates my privacy as U.S.Citizen, XXXX XXXX XXXX Female, and U.S. Veteran, they threatened me again and said they would Close my account, after they had already approved the account on XX/XX/2022. Bait and Switch is against the Law. I only applied to receive a Credit Card and have never had a Credit Card Company request your IRS Tax Transcripts. This is also a typical Stereotype that Discover Card Financial Services has towards XXXX XXXX XXXX - implying we don't trust you or believe you are eligible to receive this card, so prove it! '' This Stereotypical behavior is also Biased, XXXX, and XXXX. I received the Card and can not use it unless I turn over my Tax Transcripts or the Creditor Discover Financial Services has threatened to Close the account which would further Negatively Impact my Credit Score. This is Wrong and Illegal. You have Negatively impacted me already on XX/XX/2022, after I applied for the Credit and now you want to Negatively Impact a XXXX XXXX XXXX Female who has stated " No, I am not turning over 2 years or any year of my Tax Transcripts to Discover Card for a Credit Card that was already approved on XX/XX/2022. ''
Company Response:
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I applied for a Discover card mid XXXX, about XX/XX/XXXX. At that point in the application process they asked if I wanted to do a balance transfer and I did so I filled out the online form with my information. I received the card in the mail 2 weeks later. I logged in to their website to activate my card on XX/XX/XXXX. It was at this time, my account was at a XXXX balance and my other credit card was still showing the full balance. There was no indication of anything pending in my account. It was this point I determined that during the initial application process they must have only been asking what my purpose was for applying for the card. So while I created an account and activating my card, I went through the process of doing a balance on their website. During the balance transfer process it was stated that the maximum amount I could transfer was {$8100.00} and that would include the balance transfer fee. So I initiated a XXXX balance transfer from XXXX Bank XXXX Discover Bank. I logged into my XXXX account the yesterday and noticed I had a negative {$6500.00} balance. Just this morning I reached out to Discover to find out what the issue was. And now this morning I noticed in my account that the first balance transfer when I applied for the card on XX/XX/XXXX posted on XX/XX/XXXX and this was 100 % not listed in my account on XX/XX/XXXX or else I wouldn't have done the second balance transfer. Discover told me I need to talk to XXXX to request a refund and they will not and absolutely can not refund the second balance transfer fee. This is absolutely their fault and I should be refunded this money. They misled me and delayed the process to get 2 transfer fees. The fees were {$220.00} and {$230.00} respectively. The second balance transfer posted in 2 days but the first posted 15 days later? That makes no sense. Even if there was a delay in the first balance transfer process, they did not directly indicate this to the customer. They are telling me they absolutely can't refund a balance transfer fee even though this was their mistake. If they can't refund my balance transfer fee then they can certainly give me a credit for the same amount. I will not be a customer of Discover any longer, if they don't fix their mistake.
Company Response:
State: MD
Zip: 21122
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
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: On XX/XX/XXXX I received an email alert from XXXX regarding a change to my credit. I think discovered that Discover Bank reported to the credit bureau that my account was 30 days past due. I have been enrolled in a payment plan with Discover on XX/XX/XXXX since being laid off from my job in XX/XX/XXXX and depleting my savings. I scheduled out payments to catch up my balance while hoping that I would eventually gain employment and be able to make said payments. While enrolling in said payment plan, I was not informed that payment must be made regardless of being in a payment plan, by XX/XX/XXXX or it would be reported to the credit bureaus as 30 days past due. Mind you, I have had two payments scheduled one for XX/XX/XXXX and another for XX/XX/XXXX. I called Discover the same day, explained the situation and the woman on the phone 's name was XXXX, she mentioned that I should have been disclosed this information and that it is an error, from here she worked with me to submit a complaint within their company. This alert on my credit report has caused my credit score to drop XXXX XXXX and has caused severe stress to me. I took the necessary steps to file a dispute with XXXX, called today XX/XX/XXXX after receiving an alert that the dispute was closed and that the " 30 days Past Due '' was not removed from my report. I spoke with someone named XXXX at XXXX around XXXX this afternoon, gave my personal information and was told that XXXX has in their system that it would be removed from my credit report by XX/XX/XXXX. After work this afternoon, I then called XXXX again and asked the same question to the person on the phone this time ( XXXX ) from there he told me that information was incorrect and that the dispute was marked as complete and it would not be removed from my credit report. He told me the individual I spoke with, possibly did not work at XXXX. He then told me to call Discover and try to receive written documentation of their error and the communication they mentioned to me over the phone. Shortly after that conversation, I called Discover and was on the phone for nearly 2 hours with at least 4 different people. I spoke to someone named XXXX, XXXX, XXXX and XXXX ( XXXX was the XXXX department ). On the phone Ally mentioned that the " 30 days Pas Due '' would not be removed until the balance was paid in full, she mentioned Discover can not correct or remove the " 30 Days Past Due '' from my report. I asked if she could provide me written documentation of this statement and situation, she then backtracked and changed her response, also mentioned that she couldn't provide written documentation, that she " didn't have letters ''. I then worked with XXXX to file another complaint within Discover. I have been treated poorly throughout this entire experience. Information has not been disclosed to me at all, mistakes have been made on Discover 's part and no one is taking blame nor working to fix the situation. I have never had a late payment with Discover and I've had this account since XXXX. Moving forward, I no longer want to work with Discover and will never work with them again after paying off my credit card balance.
Company Response:
State: OH
Zip: 44139
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2022 I receive a notification in my discover app that my account was blocked due to suspicious activity and provide me with a number I call the number, after verification steps I recognize the charges which were a XXXX dollar charge to my internet provider and another XXXX dollar charge. ( Which Im not sure if its even enough basis to block an account since I had paid my internet before ) They ask me to hold on the line and that Ill receive a code that Ill give back to them. Cant say for sure if they hung up on me or call dropped but I had very stable coverage. I call back and now they are asking me to upload some documents to the website to prove my identity. Instructions were to enter discover.com and find the secure document upload option. They mention that it may take up to 48 hours to process. ( Of note, this is very inconvenient and dangerous since this leaves me without access to any money in case of emergencies ) One hour later as soon as I have access to my laptop I notice that there is no secure document upload option on sight in the websites front page. I call back again and they verbally guide me through the document upload using discover.com/sdu I call every day since then to check if my documents have been reviewed with no luck. When I ask if theres anything I can do to expedite the process given my situation they mention it must be 48 hours after document upload before they can pull the departments leg. XX/XX/2022 I call back after 48 hours have officially passed. Documents have not been reviewed. Agent tells me there is no such thing as pulling that departments leg. I describe to her my document upload process and she lets me know that the correct link was actually discover.com/upload which brings you to a similar looking part of their website and tells me I should upload documents there and wait an additional 48 hours. I am not sure what is going on but in all this process Im kept without access to my money.
Company Response:
State: NY
Zip: 10029
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A