Date Received: 2022-08-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XXXX XXXX XXXX I opened a secure credit card with Discover to help build my credit, and was approved on the application. The very next day I contacted the chat and Indicated I made a mistake on the address. I accidentally put the wrong street number, same numbers just incorrect order, the street name, city and zip code was all correct. I was advised wait until the application was approved and the deposit was received and the change of address issue will be simple. On XX/XX/2022 {$200.00} was pulled from my bank for a secured deposit. I then again processed to call discover once the whole process was approved, I was transferred to at least 5 departments in a series of calls that lasted 2days. They told me in order to verify my account and change my address I would have to verify my number and I said fine. However the numbers I provided they stated Could not be verified. I have only owed one US number with a major provider and I stopped using them some months ago, The number I signed up with could not be varied even though it was good enough to verify me to take my money. I told them If I can not change the address on the form my neighbors down the road to my address then I would want back my money. They indicated that refunds are only given by check and that check would be sent to the address on the application. I further got upset because XXXX. I am not getting the service, 2. my money was taken, 3. I could not get a refund as they told me the money that came out of my bank can only be sent to an incorrect address. As a result of Discover to help me and after talking to several agents and supervisors I had to contact my bank. I contacted my bank and told them discover refuses to provide a service for me and i can not get my money back. This was unfair and I would like my money back. The money was pulled on XX/XX/2022 I received back my money. on XX/XX/2022 Discover emailed me to discussed about my account and returned card in the mail. while on the call I asked If i could try to apply for discover card again since the last time I had issues with my address, they indicated yes. I processed to apply and I was denied, I called and asked why I was denied, they indicated that I had an application open even though my account was closed, They have fixed the issue and I can apply gain. In all this process I gave up on discover and was trying to gain another credit card a secured one to build my credit. and because of the fact that discover failed to help me change my account, refunded to give me a refund that would actually go to me and had me applying for their credit card multiple times as the indicated I have the go head has lead to multiple credit card attempts on my report, 2. a closed account on my account even though I have never got a chance to use it. I approached discover to try and build my credit and my experience with them has led to me being worst off and now unable to get any credit card no time soon from any other company.
Company Response:
State: NY
Zip: 128XX
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Discover Card issued me a card in XX/XX/XXXX. In XX/XX/XXXX it stopped working. They needed a IRS form submitted to verify my tax return. That was completed XX/XX/XXXX through XXXX Verification services. I was told 7-14 days to get it back. Then after that date came and went I was told 30 days. That date came and went. I was then told " we are having issues getting the forms back due to staffing ''. Okay so what next. Wait another 30 days. I have completed that. I called in today to be told we have " no idea when we will get this back and unfortunately without it we cant release your card for charging privileges until we do ''. They refuse to take a certified copy of the IRS transcript, they refuse to help in anyway. I find it ironic I can get a copy instantly on IRS website. My mortgage company got it in 72 hours when I recently bought a home. Yet my credit card is " frozen '' and they refuse to help me fix this.
Company Response:
State: FL
Zip: 34104
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XX/XX/XXXX I got an email that my savings and checking accounts at Discover bank had been closed. I called multiple times speaking to representatives from their security team ( XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX ). No one could tell me why the account was frozen. When asked when I would get my money back, they told me 60 days from the last date of deposit. Which would of been XX/XX/XXXX. Randomly, I received an email about a month or so after saying my accounts were closed. XXXX on XX/XX/XXXX said that i would not get my money back until 60-90 days. This was the first I had heard of 90 days at all. On XX/XX/XXXX, I spoke to XXXX who then said it has to be XXXX business days, and that they had until XX/XX/XXXX to release the funds. She offered to email " them '' to expedite the release of the funds. This was with no guarantee that it would actually happen. The XXXX business days was also new information. There has been nothing but inconsistencies with them. They do not tell you why your accounts were closed and treat you as if you are doing illegal activity. They refuse to give me my money back pending investigation.
Company Response:
State: KY
Zip: 41051
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This account is not mine. I never own this account. I'm not liable for this account. This is wrong and offensive to me! This account belongs to someone else.
Company Response:
State: MO
Zip: 63122
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: My credit limit was lowered from {$13000.00} to {$1500.00} at Discover Bank. {$8500.00} to {$4000.00} at XXXX bank. This caused my XXXX XXXX XXXX to lower l because of the credit utilization increase to 73 %, which in turn raised my Interest rates on the cards. This negative effect was caused by the XXXX agencies. XXXX, XXXX and XXXX. My XXXX score was XXXX and dropped down to XXXX overnight.
Company Response:
State: OR
Zip: 97007
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I recently had 2 companies XXXX XXXX XXXX XXXX & Discover ) send me a letter and a call to my mobile stating that my application was denied. I already have a closed account with XXXX XXXX XXXX and never had one with Discover. I was not in the process of getting new cards or accounts with either 2 companies. I checked my credit report company and there were no inquiries on these 2 or any other companies that I am aware of.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-21
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I called discover last week XXXX XXXX XXXX I have stressed to DISCOVER to stop reporting my private information and DISCOVER said they did STOP and they would not report to 3rd party companies or Financial institutions such as XXXX, XXXX and XXXXand Im still seeing that its still reporting my private information as of XX/XX/2022 I told them Pursuant 15 usc 6801 that I have rights to my personal information being shared to Financial institutions.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2022-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: These accounts were recently or previously reported on my credit report and are not my accounts. XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX Discover Bank- XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the fair credit Reporting act XXXX XXXX XXXX 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 under an open end consumer credit plan as late for any purpose.
Company Response:
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-21
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 an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Company Response:
State: OH
Zip: 439XX
Submitted Via: Web
Date Sent: 2022-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A