Date Received: 2022-08-14
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: To whom this may concern, I opened a Discover It card that requires a security deposit. I was ill-advised this is something I should do to establish credit when it was entirely unnecessary as my credit score was in good standing at the time of application with Discover on XX/XX/XXXX. It appears the account was closed yesterday after telling Discover almost daily over the phone to close it since Saturday, XX/XX/XXXX. On the XXXX, I was told the case was still pending so I said great, go ahead and deny it out and close it as I do not want the card and refund my {$2200.00} security deposit as quickly as humanly possible by crediting it back to my bank checking account. Here is what has happened since I made that request. I was told by two employees in the Arizona Office that we have to actually go ahead and finalize and approve your card before we can close it. I was baffled and told them why they cant just deny the application per my request. Neither gave me an answer. I was then told that I would receive an email that takes 24 hours to receive which sounded odd to me because every email Ive ever sent or received in my life happened instantly. Anyway, by mid day Monday the 24 hour email from Saturday had not arrived. Discover also did not provide me a case number or any other kind of communication that the case was closed. I was told on Saturday the XXXX that there are case notes here sir documenting everything. I was highly dissatisfied after a couple hours on the phone with both of them. On Monday, XXXX, I spoke to a Delaware Discover employee who was blatantly rude. She refused to transfer me to the correct department for a security deposit refund. She also claimed she couldnt send the 24 hour email but was putting a note in the system for someone to send another one to take 24 hours. She was adamant it was sent despite me telling her after confirming that they sent it to the correct email address that I had not received it. I spoke again with Discover on Tuesday and was told by an Ohio supervisor XXXX XXXX XXXX that she had sent another email while I was on the line to take 24 hours. I finally exploded on the phone and was completely irate yesterday and spent 2 hours and 45 minutes transferred to at least five different employees. The last employee had no answer and simply stated that emails can take 24 or 48 hours to receive. When I caught him changing the number of hours and how I still didnt have any email six days after starting all of this last Saturday he had no answer. Here is the present status of the case. I received a letter in the mail today that the case is closed. They sent me an approval letter yesterday with the card which I have cut up for security of course. That approval letter should never have been sent because not only did I want it closed the case was incomplete. I never provided necessary identity requested by Discover to XXXX. I never submitted my drivers license or income verification for the card that they requested to verify my identity. Discover had no answer for this when asked. I do not know or trust that Discover will refund all of my {$2200.00} security deposit. Credit cards come with a lot of fees and fine print. Nobody said they would charge me anything since the card was never activated let alone used. Their word on the phone does not mean anything. I am still receiving reminder emails from XXXX for the fourth consecutive day today so I unsubscribed today after telling them to stop as I did not go through with the card. If I receive one cent less than the full security deposit I want to know if this agency can help me and get involved in the matter. If I should also contact another agency such as a state attorney generals office in which Discover is headquartered, please let me know if that is the more appropriate action. Discover also has lied about refund dates for my security deposit. Last Saturday the XXXX I spoke to in Arizona ( who I have come to find out dont even process those returns- they occur through the Ohio office ) said I would get it by this Tuesday or Wednesday ( the XXXX or XXXX ). I am now forecasted to receive it XX/XX/XXXX which they are calling expedited service and a favor to me. They are also sending the check out to my house and not returning it directly to my checking account- which was the manner in which it was withdrawn. The check will also come through the Postal Service despite my pleading for it to come through a carrier like XXXX or XXXX. However, if a person uses this card and gets their deposit returned after 6 months of good use, they allow the customer to receive the deposit back in the manner the customer prefers. This does not seem appropriate granted how shady Discover was in pushing through this card to me when the case was incomplete and I also requested denial/closure when it was still pending and they could have readily done that by simply pushing a button. At the moment I have about 6-8 hours invested and hope I will receive full repayment of my {$2200.00} security deposit. I know it may seem that I am filing a complaint too soon as the XXXX has not arrived yet but I do not want to wait as Discover has committed several unethical or illegal practices to warrant me writing this in my mind. They should not be giving ordinary Americans this kind of treatment, especially when they are one of the largest corporations in the US and I have done absolutely nothing wrong on my part. Thank you so much for your time in reading this. Hopefully I will receive full payment no later than the XXXX of XXXX as promised by Discover and will not need to contact this agency any further. If you have any questions, please dont hesitate to contact me. Respectfully, XXXX XXXX
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
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: Requested a dispute through XXXX on XX/XX/22 but the creditor stated the account information was correct. There is one late payment on the account and it is reported inaccurately. Submitted a dispute but they rejected my request. I went through a financial hardship but the payment was made within 30 days and therefore should be considered late. In accordance with the fair credit reporting act XXXX account has violated my rights. 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: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX was informed when I got my credit report that a discover card had been fraudulently obtained in my name and used I was never informed of having this card or that it had become delinquent. I have disputed this account multiple times and discovered refuses to acknowledge I have been a victim of identity theft I filed an affidavit XXXX I have sent said document to discover and now they are suing me for the account
Company Response:
State: IN
Zip: 46342
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
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 I purchased some supplements from XXXX. The person who sold me the products signed me up for a monthly subscription without my knowledge. In XXXX, when I saw my Bank Account had been charged {$490.00}, and even though I had not received the products yet,, I contacted the Company to let them know I didn't want the products and demanded a refund. The representative I spoke with instructed me not to open the package when I receive it and to take it back to the post office and say that I was refusing the package. In the meantime I contacted my Credit Card, Discover and disputed the transaction as I wasn't willing to pay for a transaction I had not authorized. The Discover representative I spoke to was extremely rude and demanded that I call back to dispute the transaction once I had returned the package. I refused and insisted that she issue a temporary credit to my account while I navigated the return process, she finally badged and gave me temporary credit. The package was then delivered to me while I was out of the country and when I got back I did exactly what I was instructed to do by the XXXX representative. I took it to the post office and told the representative there that I was refusing the package and that it should be returned back to the sender. On XX/XX/XXXX, Discover reversed the credit I had received and posted the {$490.00} back on my account. I called discover again and informed them I had returned the package back to the merchant, and I believe another temporary credit was put on my account. On XX/XX/XXXX Discover again charged back the transaction to my account and this time I called XXXX asking why they had not refunded my money yet they had already received the package I sent back. According to the XXXX tracking page, the package had been delivered to XXXX on XX/XX/XXXX. The representative I spoke to stated they had received the package but didn't issue a refund as I had disputed the charge with my bank and they had reversed the payment. I explained that the payment that had been reversed had been sent back to them again. The XXXX representative stated she can not issue a refund as the bank had reversed the payment they received. At this point I conferenced in Discover and asked XXXX to verify they had received their product and that I should get my money back. XXXX representative verified on the phone that they had the returned product in their Warehouse. At that point the Discover representative asked that I send them the XXXX documents showing the product was returned and delivered to XXXX. She also issued a temporary credit to my account. A few days later, I uploaded the documents to my online Discover dispute, thinking this is done. On XX/XX/XXXX I noticed the {$490.00} charge was back on my credit card transactions history AGAIN! I also received an email stating I had a secure message from Discover. Upon logging into my account I got a message stating the Transaction I had disputed had been found to be valid. I was livid! I called Discover AGAIN to ask why this transaction had been posted to my account again after a XXXX representative had confirmed the product had been returned on XX/XX/XXXX and I had uploaded the requested documents confirming delivery was made to XXXX. I asked to speak to a XXXX and after being transferred around a couple of times I was finally connected with XXXX. I was furious as I've had to call Discover several times for the same issue. For the millionth time, I explained to the supervisor what was going on again. The supervisor said from the documents they had received from XXXX on XX/XX/XXXX, they had determined the transaction was valid. When I asked what documents had they received that proved the transaction was valid, he said he couldn't tell me. I asked why the last representative I spoke to verified on the phone that the product had been returned and that I had provided the proof they requested to show the product had been returned to the merchant, not enough to prove the charge was not valid and was told Discover now wants me to provide a promise for refund from XXXX in the form of an email or a letter. The supervisor asked if I had an email from XXXX stating they would refund me for the purchase. I told him I didn't and that shouldn't matter as I shouldn't be forced to pay for a product I not only didn't order, but had already returned. The supervisor insisted that they have to see a promise to refund in order to issue credit. I asked if I could conference with XXXX on the call, and again the XXXX representative verified the product had been returned. When I asked why they had not processed a refund, I was told to email Compliance as the representative could not help me with getting a refund as I had disputed the transaction and my bank had already reversed the payment. I was then told I would have to email compliance to get my issue resolved. I insisted that I needed to talk to someone and that I was not going to email Compliance. After a lot of going back and forth a XXXX from compliance got on the phone. I proceeded to explain what was going on and asked why a refund was never issued after they received their product. XXXX said a refund was issued sometime in XXXX. I asked him what account the refund was issued to as it never hit my account. He then said he needed to do more research to verify if a refund was made. I asked him to verify to Discover that the product had been returned and a refund should have been processed. XXXX confirmed again that the product had been received and I was due a refund. XXXX told the Discover representative that he too worked for Discover for 11 years as a Team Lead in the Disputes department and that he was very aware of what they were looking for. He promised to research the matter and get back to me shortly, but I never heard back from him, and still havent received a call from him, or anyone from XXXX, XXXX days later. After XXXX got off the XXXX the Discover supervisor told me that when XXXX calls me back to ensure I ask for an email stating a refund will be issued. I further expressed my disappointment with how Discover was making me jump through hoops to get a refund yet the XXXX had verified twice, I had returned the product and should get my money back. I told Discover it was unfair for them to dismiss my documents and assume I was lying by taking the XXXX side. At this point I told Discover I would contact the Consumer Financial Protection Bureau to file a formal complaint as I was done with the going back and forth. While preparing this complaint I logged into my online secure inbox to get the letter Discover Bank sent me on XX/XX/XXXX stating the transaction was valid. On the last page there was a document from XXXX bank titled XXXX XXXX XXXX. The document states : We are UNABLE to accept your Pre-Arbitration Case for XXXX, XXXX, Amount of case : {$490.00}. REASON : We are unable to accept your pre-Arbitration request because you cant come back with the same reason code when it comes to AA. If your CH still doesnt recognize transaction then the reason code should have been changed. You have lost all rights. We will not accept. Well, from the above mentioned document it is obvious that Discover messed up when processing the chargeback from XXXX credit card merchant and now theyre forcing me to get a promise for a refund for a purchase I never authorized and products I dont have. This is unacceptable. I want my money back.
Company Response:
State: MN
Zip: 55412
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I received an email from Dicover requesting me to sign something so they can retrieve my tax records or my account would be suspended. I signed it a few days ago, then today XX/XX/22 I try to use my card and it was declined. I have just paid off this card and now I can't even use it, also perfect payment history on it, always paid more than the minimum and never late. Not to mention, my last years taxes have nothing to do with my current wage now. I called today and they wouldn't provide me with any detail as to why I'm being punished for being a good customer. They said that it is discover that requests this, but they wait on the irs that could take up to 3 weeks. I asked what if I used all my money to pay this card off, and was going to continue using it? " Oh I'm really sorry, I understand your frustration. '' No you don't because I've worked so hard on fixing my credit and now discover is playing games with the bills I have autopay set up with.
Company Response:
State: TX
Zip: 77590
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Discover Bank closed my joint savings account with no forewarning, provided no reason, just a " business decision, '' and will not generate the check for my deposited savings for a full 60 days. They are withholding all of my money for a MINIMUM of 60 days and they can not or will not tell me the reason or transfer me to someone who can. I am furious beyond words. Looking online, I see several other stories about a new overactive safety algorithm to detect fraud closing other accounts, but all we've done is submit two initial deposits, and I submitted an entirely legitimate workplace check while my workplace was verifying the account to set up partial the direct deposit into my Discover savings account. I had heard such good things about Discover and Discover 's customer service and I am absolutely crushed that I have to find a different company to work with after what I could frankly call a betrayal of my trust and what should be an ILLEGAL hold on my money.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
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: There was fraud on my credit card in the amount of {$10000.00} I paid not knowing it was fraud they did the investigation and found it in my favor and told me on XX/XX/XXXX that the investigation was closed and I can ask for a refund for my over balance of {$10000.00} they told me it would take 12-14 days which is today on the XXXX of XXXX I spoke with the fraud team and they told me it was found in my favor and I can request my {$10000.00} refund I did now they are holding my money using it for new charges but wont issue me a refund for the {$10000.00} after they told me everything was done and my refund would be issued today XX/XX/XXXX I paid my mortgage my car everything because I was promised my refund now they are denying it making everything bounce in my account
Company Response:
State: NJ
Zip: 087XX
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX I was contacted by a collection agency about a debt in collections from Discover of XXXX. I had not knowledge of this debt. I disputed it and a fraud case was opened. The week of XX/XX/2022 I contacted XXXX for an update on my dispute case. I was told it was discovered as a valid debt from Discover and collections was being sent back to them. On or around XX/XX/2022 I contacted Discover and Discover XXXX at the request of Discover to review my findings and request where to send this information. I was passed around to several departments. Some of which could not find my name and this account in their system at all. I also requested several times that the fraud case be reopened and that info sent to XXXX. As of XX/XX/2022 that had not been done and the account had been turned back over to XXXX ( per my call to XXXX at XXXX ). XXXX took my information and resubmitted it back to Discover as fraud. He provided an email at XXXX for me to send this additional information to as well. Also to note in my calls on or around XX/XX/2022 I requested to talk to the case XXXX, XXXX several times. Attempts were made to transfer my call there. They were unsuccessful due to phone issues. I was told to call back as she was at lunch, but she was also going into a meeting at XXXX central. I called back before her meeting. Again I was met with phone issues. I requested a call back from XXXX to go over the next steps I needed to take and update her on what I had found. I never received a call back. I then contacted Discover Security, which lead me to several different departments with no resolution or way to send my information to them. I was told to contact Discover Security again by the last person I talked to. I contacted Discovery Security again today, and the number I was given by XXXX was incorrect. An attempt to transfer me from the credit card division to the loan division was then disconnected. I called another number Discover had given to me. I was given the website to upload this info to and told my info would be passed along to a XXXX. I will be submitting all information via that website. A new case was opened ( XXXX ). I requested all information be sent to me on this account again. I have a XXXX XXXX report showing that no account numbers given to me by both XXXX and Discover have ever been open, closed or held in my name or social security number. I have a letter from my bank stating the same thing.
Company Response:
State: IL
Zip: 62301
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I turned in my payment to the processing center and they are acting like they never got it. I sent the payment certified mail, which it said it was delivered to the correct XXXX XXXX XXXX I has been a whole month and they are trying to let fees accrue while they play XXXX. They payment says it was delivered XX/XX/2022. It was in the form of a payment coupon. According to XXXX " '' Coupons are written contracts for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, thatthey, may be separated from the bonds and other instruments to which they are usually attached, it is held that they are negotiable and that a suit may be maintained on them without the necessity of creating bonds. '' Aurora v. West, 7 Wall. S8 19 L. Ed. 42 '' it's taken in good faith with intent to accept unconditionally for value upon only minimal due diligence allowed, cautioned, and required by law, implied contracts in place, constructive trust involved, and contacts. My fiduciary responsibilities include specifically, the duties of care, confidentiality, loyalty, obedience, and accounting. Above all emphasis is on accounting as " the Undersigned '' can not be held financially liable for anything he did not personally sign by his hand and which can not be presented & /or exhibited upon request for inspection for authenticity, terms, conditions, and to view all contents as to possession reflected on fronts and backs. XXXX XXXX is suggested as to owing payment or performance. The Undersigned is XXXX XXXX XXXX and is not guarantor for payment nor guaranntor for collection for XXXX XXXX however as POA facilitator you have a duty of due DC diligence to verify authenticity and positive identity if demanding party claiming a right to payment or performance.
Company Response:
State: MD
Zip: 21044
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This company is reporting to my credit report and they have not answered any of the letters I have sent to them requesting to provide information about this account, I tried to communicate to the credit bureaus and was unsuccessful since they refused to update the information as well.
Company Response:
State: NJ
Zip: 07010
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A