Date Received: 2022-08-24
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I applied for balance transfer balance w/ discover card in the amount of XXXX dollars they approved XXXX I told them I needed XXXX. I told them if they could not XXXX to forget it. Two weeks later 2 weeks later they did a transfer balance anyway with out my knowledge or approval. That left me owing XXXX XXXX XXXX and discover card XXXX. The legal term for that is surreptitious.
Company Response:
State: NV
Zip: 89106
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 with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Hi, I'm XXXX XXXX, I need your help to reachout to this company. I tried contacting them to verify howcome that someone opened up an account under my name. This is a very serious matter and I feel bad that it is now affecting my credit profile. I do not authorize anyone to use my name, date or birth or any information as it is also against Data Privacy. They need to find out who opened the account under my name and just transfer those information to that person instead. Please help me get this resolved
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Timeline : Starting XX/XX/XXXX - Numerous XXXX purchases made using credit card. XX/XX/XXXX - Received and completed IRS consent form 4506-C. Unable to use credit card during processing. XX/XX/XXXX - Called Discover and was informed IRS verification will take up to two weeks. XX/XX/XXXX - Called Discover again and was told by Discover agent that some agents have spread misinformation. Verification may take up to 7 weeks. Summary : On XX/XX/XXXX, my credit card stopped functioning as Discover sent my card to the IRS for verification. There isnt an option to avoid the verification, as the consent form must be signed or the card will be discontinued. I called Discover, and an agent told me my card would be unavailable for up to two weeks. My credit card is an important piece of the buying and selling I do on XXXX. On XX/XX/XXXX, after hearing nothing from Discover, I followed up and found that two weeks was the MINIMUM time such a review can take, with up to 7 weeks being the maximum. It is very unethical for consumers to be lied to about the time which their credit card will be unavailable. It is equally unfair for someones credit card to be restricted for such a long period of time. I didnt do anything to warrant such a verification in the first place. I am happy to discuss further malpractice on Discovers part.
Company Response:
State: VA
Zip: 23059
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
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 call and make my payments to XXXX and pay my balance every month over the automated service system and sometimes a real live agent. The XXXX XXXX change hands to XXXX XXXX XXXX XXXX over 6 months ago. I called the credit card company and talked to a customer service rep to update the banking information with the new banking XXXX information the account number staying the same. I made several payments after that date using the automated system and a live agent. When I called my payment in XXXX to the automated system the bank account they charged was to XXXX XXXX since to my knowledge it was changed in XXXX. Discover credit card is stating its a NSF charge it could not have been charge to that account because the bank account under XXXX is non-existent it would not be allowed to be processed. I have called many times and ask for them to refund the NSF because it was there error.. There were given permission bank in XXXX to remove the XXXX banking information and added the new banking information to XXXX XXXX XXXX XXXX XXXX. XXXX refuses to refund the {$29.00} fee. Im am elderly and I need my money returned immediately.
Company Response:
State: AR
Zip: 719XX
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: To Whom It XXXX Concern Within Discover : Thank you for taking the time to review this correspondence. My name is XXXX XXXX and I am a satisfied customer of your financial institution. My purpose for this correspondence is in regards to the appearance of a late payment from your institution on my personal credit history. This remark is dated [ XXXX, 2022 ], and this is the remark made by your company. As stated above, I am very satisfied with my account with your institution, and as such have maintained regular use of it for purchases, and have made timely payments before this incident happened. My concerns regarding the presence of a late payment are that it may remain on my credit history for an extended period of time, and is causing damage to my credit report. This concerns me, as it may interfere with my ability to maximize on my credit potential, which may include opening another account with your fine institution. I am politely requesting that the late payment remark be removed from my credit history, with no adverse effect on the account to which it is attached. I trust that this correspondence and my request will be taken into consideration, as I've come to expect nothing but the highest level of customer service with Discover. I will continue to be an upstanding customer of Discover, as I view Discover as an upstanding financial institution and as the provider of my first credit card. I look forward to a long and prosperous working relationship with your company, and hope to have this matter resolved at your earliest convenience, to our mutual satisfaction. With sincere appreciation, XXXX XXXX
Company Response:
State: DE
Zip: 19711
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I was alerted by a credit union that my Discover card was closed. This is the second time they have messed up my credit by just closing my account. I spoke with XXXX who just said they will call me back and that I spoke with someone about sending a 4506. I never spoke with anyone at Discover prior to her and all she could say was I needed a 4506 verification for a card I have been using which sounds like some mess they do when they want to mess up your credit because I have tons of credit cards and this has never happened. Well over XXXX in credit. I need my credit score returned to what it was and I need something done about my cash back money they kept. Im appalled at their lack of professionalism!
Company Response:
State: TX
Zip: 77581
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Getting the loan
Subissue:
Consumer Complaint: On XX/XX/2022 I applied for a personal loan on Discover 's website and was approved. In order to secure the loan I had to call in due to a fraud alert on my credit. I called in to verify myself to be told their system is down they can't pull up contact information from the credit bureaus to verify my identity and that it's a known system issue. Completely dumbfounded I asked to speak with a supervisor. The supervisor told me the same thing and said they'll request the hard inquiry being removed from my credit as well to call the credit bureaus to remove the fraud alerts from my credit. She told me to re-apply after the credit bureaus remove the fraud alert within 24 hours and the new application will go through fine since there wouldn't be a fraud alert. I did as I was told called the credit bureaus, removed my fraud alerts, and re-applied only to be told they'll have to deny my application due to it being within 30 days of the other application. This is beyond ridiculous, a waste of customers time, damage to their credit, and deceptive practices. No one in Discover including their systems know how to do their jobs apparently!! Application ID : XXXX
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a card with Discover. I received my turn down letter on XX/XX/2022 and it stated that I was denied because of the status of existing/prior discover card account. I am only an authorized user on my daughter 's account so that I could help in clearing up a transaction for her. I do not have a card to use.
Company Response:
State: KY
Zip: 40324
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a Discover card which I used for a charge of : {$10.00}. Through my bank, XXXX XXXX XXXX, I electronically paid this {$10.00} charge to Discover card it was debited from my business checking account dynasty management group of which I am the sole manager. I caused a check for {$10.00} to be sent to Discover card and notified discover card before the payment was made and after the payment was made that the electronic check would have the name dynasty management group on it as well as my name Both as remitters. Discover card employee ( s ) somehow lost the payment and now after approximately five hours having been spent on the phone with me to no avail requesting to speak with management, supervisors, team leads and the like : discover card puts me on hold for five hours now over several days and refuses to remove the {$10.00} despite my having paid the {$10.00}. I will not spend {$30.00} to stop payment on an electronic payment that Discover card has on someones desk that did not credit the {$10.00} payment to my account. Further, I was told over several weeks that a manager would call me back and I never received a call until I informed Discover card that I was filing this FTC complaint against Discover Card. I am XXXX under the Americans with disabilities act, I am XXXX years of age and a senior citizen, and I am on a limited income. I also was the victim of a XXXX XXXX XXXX for which I now require several XXXX. I respectfully request Discover card to remove the {$10.00} charge from my credit card account including any cumulative interest or late payment for reasons stated herein. When Discover card locates the payment that I caused to be sent electronically from XXXX XXXX XXXX Bank to Discover Card they are welcome to deposit my payment referenced to herein above to my credit card account to offset the {$10.00} charge.
Company Response:
State: IN
Zip: 46321
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I originally asked Discover bank to open a checking account. They instead opened a online savings account for me. On XXXX XXXX deposited a {$15.00} check using there app. On XXXX XXXX received an email saying my check had been posted to my account. That's the last time I was on there app on my account. On Friday XX/XX/XXXX I received an email from discover bank saying my account was frozen. I called that afternoon and was told it was closed due to a business decision by discover bank. I asked for a reason and was told they didn't have to give me a reason. I then asked about my {$15.00} and was told it was sent back to XXXX XXXX. I asked how they could return {$15.00} to a bank after it was already posted to my account. Discover bank said that's what they did. We contacted XXXX XXXX and was told they wouldn't return the {$15.00} because they couldn't be sure if the funds were mine. That's a lie because I've been receiving a check every month from that account because of a part time job. Also on XX/XX/XXXX I requested to speak to a supervisor. The lady put me on hold for XXXX minutes. She came back and said she could not find a supervisor but she would have one call me back in 24-48 hours. It is now Tuesday XX/XX/XXXX and still no call. I know that lady never tried to get a supervisor on the phone because before I hung up I told her to tell her supervisor I was filling a complaint with the Federal Reserve. She said I already did.
Company Response:
State: MO
Zip: 63109
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A