Date Received: 2022-08-25
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: This company did not get my consent to allow any 3rd party 's to obtain my personal consumer information, while in good standing they closed my credit card account and informed me that an email ( not enclosed with Discover Bank 's name ) needed to be filled out with my irs information. They said i was givin a deadline. Discover Bank did not reach out to me through u.s postal mail or via telephone regarding this matter. And said that the closing of my account was irreversible.
Company Response:
State: CT
Zip: 06114
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: Getting the loan
Subissue:
Consumer Complaint: There are two parts to my complaint. First, I applied for a student loan on XX/XX/XXXX because I was told by a representative with the company that Satisfactory Academic Progress was not a consideration for approval. I got approved for the loan and when they did a certification with my school, they denied the loan because of those SAP requirements. This caused an unnecessary inquiry on my credit because I was given misinformation and I had to call another lender and get the loan ( which was another inquiry ). I called the Discover and complained about this and asked how to remove the inquiry and they said they couldn't do anything for me, but they recommended getting a personal loan. At the time I was a little upset with them so I decided to get the student loan with someone else, but eventually decided on XX/XX/XXXX to go ahead and apply for the personal loan with them because they kept sending me marketing emails about pre-approval. I got denied for the personal loan even though I have a good credit score with no late payments on any account and make more than the minimum monthly required payments. I called to inquire why I was denied and they initially told me I needed to send them the back of my ID and that I needed to send them more pay stubs. I sent it over and still was denied. The reasoning they gave me after talking to several representatives ( including 2 managers ) was that I had the inability to pay back the loan. The explanation was that because my beginning monthly balance was more than my ending monthly balance that meant that I could not pay the loan. For example, 1 month I started with {$67000.00} in my checking and savings combined and ended with only {$64000.00} so according to them I was spending more money than I was depositing. I have never send a lender use this kind of practice with assessing debt to income ratio to approve a loan. Making some purchases has nothing to do with my ability to pay. Why would I save money up in my Savings account if I am unable to use some of it because it looks bad to a lender? Every manager I talked to was very smug and sarcastic to me almost like there was some underlining reason as to why I was be denied. I currently have over {$55000.00} in my bank account, I make $ XXXX/month and only pay out {$1100.00} in bills, I have over {$65000.00} in credit equity ( including a {$16000.00} card with Discover ) with usage less than 4 % and I have a good XXXX score and excellent XXXX XXXX and XXXX scores . This decision not only feels discriminatory to me. The second inquiry on my credit from the same company " XXXX XXXX XXXX '' along with the company I had to choose to get the student loan from instead has decreased my XXXX score XXXX points.
Company Response:
State: CA
Zip: 92109
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: I have an discover high yield saving account and not been used recently. But XXXX, I saw there is one {$1800.00} transaction from my other account to this account which is for sure not done by me. After I login my discover account, I saw the money is been sent through XXXX to multiple unknow recipents. Those are for sure fraud, and I have no idea why discover bank could let that happen, which means the secruity of the bank is just bad. After I contact them, they insisted those are my liability and they refuse to investigate on the fraud and refund me money. They even froze/close my account to avoid me to login the account to grab detail information.
Company Response:
State: CA
Zip: 92620
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I recently opened a bank account with Discover. I received a check of {$1800.00} from XXXX after having a wreck. I used Discover mobile deposit to cash that check on XX/XX/XXXX2022. Yesterday on XX/XX/XXXX Discover emailed me stating they noticed suspicious activity on my account and to call them for more info. When I called I was told my account had been closed and they would be mailing my funds via a check. They also said that the check would not be sent until 60 days after the initial deposit. I asked to speak with a manager but the Discover agent refused. I asked to know why my account was closed and the Discover agent refused. I called XXXX to cancel the check but they let me know since the check is seen as cashed in their system, there is nothing they can do. Why didnt Discover call and verify the check with XXXX XXXX Why was the check cashed if it was suspicious? Discover has robbed me. I have been stolen from.
Company Response:
State: TN
Zip: 37066
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Discover Card Services Failed to provide me info on person who used my identity and am assuming that they are allowing this person to do so. This is Statue Violation.
Company Response:
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my Rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting Agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose,
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am a natural living man. I am a human being. I have rights under 15 U.S.C. 1681 XXXX and DISCOVER is governed by 15 USC 1681 and they have violated my rights numerous of times. I demand this account be removed due to the following reasons. XXXX and DISCOVER FINANCIAL has erroneously since 2019 reported negative and false information to my credit report. These entities are reporting a charge-off account monthly on my credit report. I have asked them on multiple dates to provide verification of account but they have ignored my consumer rights and requests and proceeded to report this inaccurate data. According to 15 USC 1681 : I have the right to accuracy and privacy and I did not give DISCOVER nor XXXX written permission to furnish this account. Account Number # XXXX
Company Response:
State: NC
Zip: 28212
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: In early XXXX my card would not work twice. I contacted the discover credit card company who informed me that three statements and two letters had been returned to them marked by the United States post office as undeliverable. When I heard that my card had been shut off and that my payments were overdue on that phone call with discover I electronically transferred the entire funds to cover the balance of the account immediately from my checking account. In XXXX I received a call from my insurance agent who told me that my homeowners bill was returned as undeliverable by the post office, after receiving one letter returned... they called me immediately... discover never contacted me. Over a year and a half ago I changed from a post office box to a street address using a address forwarding card with the post office. I thought I was receiving all my mail but evidently only half of it I filed a complaint with the United States XXXX XXXX online in 15 minutes I had a call from the XXXX supervisor I was put on hold and the supervisor returned telling me that my street address was not in the system and that the route driver who was out had not updated his route in a year and a half. I called back to the Discover Card Company and explained what the supervisor told me from the United States XXXX XXXX, Discover waved the late fees but reported me as being delinquent anyway. I asked discover account manager if they would remove the bad marks on my credit my credit... .it had dropped from XXXX to XXXX the account manager said they would not. I asked the postal supervisor if they would contact the credit card company or the credit bureau and explain what happened ... .her reply was we don't do that.
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had logged on tried to " schedule '' a payment with Discover.com. The payment was charged early, and while the money was in the account, it had not been transferred over yet, because it went as scheduled. The {$29.00} fee did not show up until the end of the month and is not disputable. Which is incorrect, I am formally requesting arbitration per the customer agreement, with the CFPB as a witness. You may have your {$29.00}, but you will earn it. I dispute this charge as unreasonable. I look forward to working in person to address these issues. It is unfortunate that we live in world where corporate America is so greedy they would XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX if they could charge for it! God Bless America though!
Company Response:
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2022, I initiated through Discover Bank an ACH transfer of {$20000.00} from my money market checking account at Discover Bank to my checking account at the XXXX XXXX XXXX. The transfer was never executed. And no monies were ever received at the XXXX XXXX XXXX. Nor were the funds returned to my Discover Bank account which has since been closed. In subsequent, numerous conversations with Discover Bank and an investigative unit at Discover Bank, telephone # XXXX, between XX/XX/XXXX and XX/XX/XXXX, I was told that the funds were in a " Non Account Holding ''. On XX/XX/XXXX the Investigative unit of Discover Bank asked me for a new routing number and account # to which the {$20000.00} should be sent. I was told the funds would be sent to me within 10 business days. On XX/XX/XXXX the funds had still not been sent, and the investigating agent, id XXXX XXXX, sought confirmation that the funds would be sent to me, and that I would be alerted to this fact today, XX/XX/XXXX. As of today no confirmation has been received. XXXX
Company Response:
State: OR
Zip: 97128
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A