Date Received: 2022-08-26
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Discover Card closed my account because they could not verify name name with a 4506T form just prior i was married and not reported new name with IRS
Company Response:
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 1. I have not opened duplicates of any credit card and credit wise shows me multiple opened XXXX accounts and I only appied once and was approved. Then the same with discover I was approved and have multiple inquiries for it also. It shows me having multiple opened accounts and that would be incorrect!!! 2. I have several inquiries on the dark web as well and have never been on it in my life! 3. I also have never gotten a loan or even applied for a loan at XXXX XXXX, I've been left messages from them also and this wasn't me!!!! Please help me my credit has dropped XXXX points today bc this
Company Response:
State: GA
Zip: 30120
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
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: XXXX XXXX XXXX was hired for a deck remodel. There were two payments issued to XXXX XXXX XXXX for the amount of {$2300.00} on XXXX and {$4300.00} on XXXX. The contract has been uploaded with the terms of the agree upon work. These two transactions were 50 % deposits to have the work completed by end of XX/XX/2021. The contracted work was not completed by XX/XX/2021 and we allowed an extension with XXXX XXXXXXXX XXXX for them to finish the deck by XXXX. The deck was not finished and our good will extension was abused by the contractor. On XXXX as the deck construction had not started, disputes were opened with Discover card as we had used the card to pay the deposit. Discover card did not reach out until XXXX when they reached out to state that the dispute had been closed and decided in the contractor 's favor. When asked what documentation had been uploaded by the contractor, only a sales receipt has been provided. We had uploaded a timeline, the contracts, pictures of the uncompleted work, and screenshot of the agreement with XXXX XXXX XXXX who agreed to refund XXXX back to the card as they have not completed the work. XXXX XXXX XXXX did not refund the XXXX and we again reached out to Discover with an uploaded copy of the signed agreement on XXXX after giving XXXX XXXX XXXX an additional 4 weeks to refund the deposit. Despite photographic evidence, a screenshot of the signed refund agreement, and contracts outlined the agree to work, Discover has refused to process a refund and requires a signed letter from XXXX XXXX XXXX on their letterhead authorizing them to process the refund. This is an unrealistic and undue burden on the cardholder and represents an effort on Discover 's part to skirt the work and effort required to protect the cardholder to small claims court. Based on our experience, Discover 's dispute center does not protect the cardholder and we are unsure as to what benefit it can provide for a cardholder. We uploaded a picture of our unfished deck and Discover 's response was that a picture is not proof. When asked what they require for proof of unfinished labor, they were unable to provide an example and refused an offer to have an agent drive to our home and view the unfinished work for themselves.
Company Response:
State: OH
Zip: 43085
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: DISCOVER FINANCIAL SERVICES claims that I owe them a debt yet they CAN NOT prove it, even though I have repeatedly given them chances to prove it by sending them letters with certified mail asking them to provide me with a VALIDATION OF DEBT as per federal law. I sent them a CONDITIONAL ACCEPTANCE in which they did not respond with their proof of claim or the required info, therefore binding them to my new TERMS AND CONDITIONS. I have attached all the letters I have sent proving that I have indeed exhausted all administrative remedies. I do NOT owe a debt and my ALL CAPITAL LETTERS name, aka my legal fiction XXXX, aka my XXXX XXXX XXXX XXXX, is where the credit came from via my SOCIAL SECURITY card, which is a TRUST account, making ME the ORIGINAL CREDITOR.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
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: On XX/XX/XXXX & XXXXXXXX XXXX XXXX, I was a victim of scam/fraud. The person pretended to be a hiring recruiter, interviewed me, told me I got hired, and made me sign a w4 and other paperwork. They told me I had to buy a laptop before my start date and sent me an invoice for the equipment and told me I would be reimbursed from the company after purchasing. I heard from an actual employee at the company a while later that the person who I was in contact with was a scam artist and was not affiliated with the company. The invoice was for a total of over {$7000.00}, but I had told them I wanted to pay in increments. Because of this, I luckily caught on before paying them the full {$7000.00}. The amounts I did end up paying them were 1 payment of {$2000.00} on XX/XX/2022 and {$2500.00} on XX/XX/2022. Money was sent to the scammer via XXXX, but XXXX said they couldnt do anything and to call Discover to dispute the charges. Discover opened a dispute but it got dismissed. I had them re-open the case, but they still dismissed the case in favor of the scammer. The credit that Discover gave me was refunded back to the bank and I never got my money back.
Company Response:
State: CA
Zip: 91505
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/ 2022 I have an inquiry that I did not initiate and did not approve on my credit report as an inquiry hard inquiry.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I filed an FTC report and have a fraud alert on my account. I have mailed and called each major credit bureau and asked the fraudulent item to be removed to no avail. Mailed letters to all three on XX/XX/2022 XX/XX/2022 I have also disputed multiple times via their websites over the past year XXXX XXXX XXXX The account is with Discover Bank it has a balance of XXXX
Company Response:
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
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 called Discover to inform them that I am moving to XXXX and not to accept any charges since I won't be using my card there. I asked Discover not to honor any of the recurring charges and I was informed that my request will be honored. On my end I also closed all the recurring charge account such as XXXX, XXXX and XXXX since I am moving XXXX Just today I found out that the recurring charges went through ( some of them were even manually entered ) and I was charged for the account I no longer had. Discover refused not to only protect my account which I closed while realizing that the company doesn't care about my safety as cardmember but also to dispute the charges. In the 40 min phone call I spoke with three people and at the end the dispute dept woman told me that she can not even find my account whether by the SS # or credit card number just as if the account doesn't exist.
Company Response:
State: IL
Zip: 60073
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX. I used Discover Bank to send from my savings account {$10000.00} from my saving to a family member to buy a small land using a domestic wire transfer, according to Discover the money was going to be received by the beneficiary on XX/XX/XXXX. but the money was never received. I called Discovery asking for the money, they told me the money had been sent, so we reached to XXXX XXXX the Beneficiarys bank to check. XXXX XXXX said they had not received anything ; they didnt even have a tracking number or signal of it. I called Discover Bank again, and they told they had no idea where the money was. Escalating to supervisor manager they told me a bank they used to do the transfer in New York had the money and there was no way to communicate with them by phone, just through emails or internal communications, they asked me to wait 5 business days in order to get a resolution. 5 days later after not receiving a call back, I called again and they said they had not yet received an answer. They said they would send another communication and asked me to wait 3 to 5 more days ... after this time I called again and they said they didn't have a response, a manager promised to call me the next day to keep me updated, and she never did. In order to save time, I called many more times and they kept telling me the same thing ; 1 ) they didnt know where the money was, 2 ) second time they said the bank they use to do internal transfer had the money, 3 ) the Federal Reserve had the money and they couldnt do anything to help me because they were investigating. I asked for a phone number or a case number to contact the federal reserve in order to ask for my money and they told me there was no way to communicate with them, so they didnt provide me a number or a case number. I was transferred to a XXXX XXXX supervisor who was rude to me and insisted the FEDERAL RESERVE WAS HOLDING MY MONEY. I told him I needed to know when I was going to have my money back and he said he didnt know, I told him I hadnt received any communication requesting evidence or information from the government and he told me in a rude and intimidating way ; DO YOU KNOW WE ARE RECORDING EVERITHING YOU ARE SAYING I said I know, and Im fine with that. So its been a month now and they are still telling me the FEDERAL RESERVE HAS MY MONEY. Today I found the customer service phone number for the federal reserve and a representative from the federal reserve told me there is no way the Federal Reserve can hold money for individuals ( personal accounts ), that they only act like a route or way to transit. The FEDERAL RESERVE transferred me to Consumer Financial Protection Bureau ( CFPB ) a U.S. government agency to make a complaint against discover, and this is why Im writing this today. I am frustrated, mad, sick, tired and worried about this situation. It is a month now and still having no money, they make me lose the property land we would like to buy and now I need to pay my mortgage and I have to borrow money to pay. I asked the XXXX XXXX supervisor manager for credit to my account the {$10000.00} but he said NO BECAUSE WE DO NOT HAVE YOUR MONEY, THE BANK WE USE IN NEW YORK TO DO THE TRANSFER HAS IT. And I said, I did not do the business with the bank you us I am doing business with you, so as a bank you have to respond. I NEED MY MONEY BACK. YOU ARE VERY RICH YOU ARE A BANK YOU HAVE MILLIONS. I HAVE TO WORK SOMETIMES 2 JOBS IN ORDER TO LIVE AND PAY MY MORTGAGE, BILLS AND FEED MY FAMILY. FEDERAL RESERVE AGENT SUGESTED TO GET LEGAL HELP INVOLVE. BUT I DO NOT HAVE MONEY TO PAY THEM.
Company Response:
State: TX
Zip: 78628
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XXXX we joined Discover, have been congratulated and thanked for longevity over the past XXXX years. Credit limit has been increased. In XX/XX/XXXX I called to have payments put on automatic withdrawal from my checking account. I answered all questions factually ; yet was told my social security number does not match what they have. The original application was paper and apparently they can not locate it. My number has not changed! Discover stated they can not complete the automatic withdrawal. However, they did on XXXX XXXX with another scheduled for XXXX XXXX. They wanted me to have a notary certify my social security number, notaries only certify signatures. In XX/XX/XXXX, without notice, I found out Discover closed our account. It is the only card we have and caused us to be without a credit card, having to scramble to make payment arrangements for items paid with this card AND Discover reported it closed by them to the credit reporting agencies, thus reflecting negatively on our credit. I have made several attempts to straighten this out, having been on the phone excessive hold times, transfers, given a fax number to call and shuffled between various departments including " credit bust out team '' " identity protection '' and " verification department ''. I was told the last 4 numbers do not match and then told the last 4 numbers are correct, just not in the correct order. All they have to do, after XXXX years of extending credit, raising the limit, etc is to correct their error. I provided them with the correct number or they wouldn't have issued the card to begin with. Now they have taken my rewards with the current statement showing {$0.00} when as of XX/XX/XXXX we had {$350.00}. This has all been caused by Discover being negligent in their record keeping and not having the integrity to right their wrong.
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A