Date Received: 2022-08-11
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I reached out to Discover customer service on XX/XX/XXXX to understand how my payments were applied considering I had multiple different interest rates via promotional opportunities. The agent replied : Minimum goes to the lowest apr ( 0 % ) and the rest of the payment applies to the highest apr. and if the highest apr is paid to {$0.00}, then the payment will go to the next highest apr ( promo 4.99 % that expires soonest, XX/XX/XXXX. However, this is not what occurred. On my statement ending on XX/XX/XXXX my balances were as shown below and my minimum payment amount was {$230.00}, due XX/XX/XXXX. {$240.00} at 15.49 % {$5200.00} at 4.99 % ( promo expires XX/XX/XXXX ) {$3100.00} at 0 % ( promo expires XX/XX/XXXX ) {$4000.00} at 4.99 % ( promo expires XX/XX/XXXX ) By the agent 's reply, considering for my statement ending XX/XX/XXXX, and the fact that I made a payment total of {$2300.00}, I should have seen my 0 % balance decrease by {$230.00}, and then my remaining {$2000.00} would have paid the {$240.00} balance completely, and the remaining {$1800.00} would have paid down the 4.99 % APR balance for the promo expiring XX/XX/XXXX. On my statement ending XX/XX/XXXX my balances were shown as below and my minimum payment amount is {$210.00}, due XX/XX/XXXX. {$200.00} at 15.49 % {$4200.00} at 4.99 % ( promo expires XX/XX/XXXX ) {$2900.00} at 0 % ( promo expires XX/XX/XXXX ) {$4000.00} at 4.99 % ( promo expires XX/XX/XXXX ) I reached out to Discover to have them explain and all they replied with is : " We usually apply your minimum payment to the balance with the lowest APR. Anything paid over the minimum typically applies to balance with the higher APR. When you have multiple promotional balances at the same rate, payments apply to the balance expiring first. '' I think Discover is not applying my payments correctly so they can collect additional interest. If the logic Discover gave me held true, my XX/XX/XXXX statement should have seen {$230.00} come off of my 0 % balance, and instead, the balance was only reduced {$220.00}. The my highest apr should have been paid completely, but it was only reduced by {$41.00}, and my remaining payment should have applied to the 4.99 % APR with the promo ending XX/XX/XXXX, and that balance was only reduced by {$1000.00}. My balances were only reduced by a total of {$1200.00} ( not including my balance on the other promo offer increased in the amount of {$17.00} ) but I made payments in the total of {$2300.00}.
Company Response:
State: NE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Hello, I am here to clarify my role when it comes to credit. As far as I am aware, I have the right to credit. I filled out an application with DISCOVER BANK and I was denied my right to credit. This is a form of discrimination as clearly defined under the Equal credit opportunity act. My credit report was pulled without my consent, and under federal law credit scores are not a factor in the extension of credit. CFPB even put an article out stating that credit reporting was optional. So to proceed with adverse actions against me solely on my credit report is a violation of my rights and Discrimination. For the violations, a consumer may proceed to litigation and file a civil complaint for actual damages. This discrimination is a defamation of my character and my rights to privacy.
Company Response:
State: VA
Zip: 22315
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
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: Im writing to Dispute a Billing Error in the full statement balance of {$8100.00} Reasons as follows : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. 15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( XXXX ) transmittal of funds to a creditor in excess of the total balance due on an account, ( XXXX ) rebates of unearned finance charges or insurance premiums, or ( XXXX ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 18 U.S. Code 8 - Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. Im requesting a full refund. The obligation again has already been paid by the United States. Please send check to address on this letter. Sincerely, XXXX
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I had a secured credit card with Discover with a {$200.00} limit. I gladly sent my security deposit, and used the card when necessary. After several months, I became deathly ill, and could not make payments anymore. Eventually, the card went delinquent. Well, after a few years went by, I finally decided to pay Discover the entire amount I owed on my secured card just to make things right. Several years after paying them in full, I find that I can not apply for a Discover card- they don't even pull my credit. The application results are always, " Status of previous Discover Card ''. I can not fathom why there is a status issue with my card since I paid them in full. It is ridiculous to treat potential customers this way.
Company Response:
State: IN
Zip: 46902
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXXI have never had an account with this company DISCOVERBANK XXXX XXXX REMOVE from all credit agencies from reporting. XXXXconsumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are DISCOVER BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2022 I got a notification that I gotten a hard inquiry for discover financial Ser. I have not applied for a credit card since XX/XX/2022 for XXXX XXXX I did put a freeze on my XXXX and XXXX, I have not done XXXX yet ( will be calling tomorrow XX/XX/2022 ) I will also be call social security office tomorrow for extra safety ( XX/XX/2022 )
Company Response:
State: TX
Zip: 78758
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
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: XX/XX/2022 - Purchased baseball glove from XXXX XXXX store via XXXX ad for {$91.00} using Discover card via XXXX. ( XXXX only option ) XX/XX/2022 - Received order confirmation XX/XX/2022 - Replied to email on shipping confirmation for status update. Received email delivery failure message. Realized it was a fake site name, opened a dispute with Discover Card and XXXX XX/XX/2022 - Received email from XXXX stating unable to help, contact Discover XX/XX/2022 - Received email from Discover for temporary credit applied to account XX/XX/2022 - Received email from Discover stating case is closed in favor of the merchant and {$91.00} charge applied to account. Email included supporting documents provided by XXXXmerchant with USPS tracking number with delivered status displaying only city and zip code XX/XX/2022 - Contacted Discover via phone to inquire about next steps. Was told by agent to create case with USPS and provide evidence package was not delivered to address listed on order confirmation XX/XX/2022 - Created case with USPS. Local USPS supervisor contacted me via phone and informed me to visit office with proper ID, showing my current address and he would provide image of package with tracking number from XXXXmerchant and full address. XX/XX/2022 - Received image from USPS supervisor taken by mail delivery personnel of package with tracking number and full address. ( not mine ) XXXX - Uploaded image to Discover card dispute case XX/XX/2022 - Received email from Discover card stating information provided was already considered and charge was still valid. XX/XX/2022 - Contacted Discover and was informed they could not do anything for me, even with the supporting evidence the package was not delivered to the address listed on the order confirmation and XXXX invoice. Agent suggest I use another service to fight this dispute.
Company Response:
State: CA
Zip: 92620
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: In late XXXX, 2022 at least 3 weeks before payment in question was due, I called Discover to help me reduce or lump payment in with the next month due to a shortage of funds I was having. I had just been hired for new job and was told 4 weeks to start after being under-employed due to COVID. I had a family emergency so this is why I needed this and had a small amount of funds to get by. Was offered a program that " I understood '' as the payment would be put out but that my future payments would be 3x higher per month rather than my usual minimum payment per month. I would be subject to being reported if missed. I agreed because I was planning on paying off quickly any way. I wasn't comfortable with some of what was being explained to me by the representative " who was very optimistic and fast talking '' and asked for it in writing. Was told something would be sent in writing. Over the next weeks I started my job. The company took my auto pay off. I relied on this verbal agreement but later realized that I received nothing in writing to truly understand it. 30 days later, I get notified of a late payment on my report. I called the company. The first person said that she would listen to tape of agreement and said that it sounded like that late payment should be removed based on what I said and to call back in a week. I did so. At that later time, I was forwarded directly to a supervisor. She explained that despite the fact that I was told many things, they had to report me and would not be able to do anything about it because I was not " even '' eligible for the program offered. I explained that no one notified me of that and that I would have borrowed the money to pay the amount due as I had no blemished on my report. I was told that I agreed to the reporting as part of the program anyway. I asked, why would I do that if the reason for me calling almost a month in advance was so that I could make arrangements so that I would avoid being reported. Not only that, several employees gave me conflicting information and while the supervisor straightened it out to a degree, I am harmed irreparably. Something that would have been avoided. I was under a lot of stress and no one likes borrowing money from friends and family. I would have done so for this short period had I been clear. On several occasions, my account information has been wrong as well. Last month, I experienced another glitch. I payed my usual payment and an additional {$100.00}. Three days after, I received a notice of non-payment. I do have pictures of that on my phone. This is a situation that seems to be an easy fix based within the context, but I was mocked when I asked if that context could be considered. Why my 30 day late was reported should be considered and resolved by removing from my report under the agreement ( verbal ) that I relied upon.
Company Response:
State: GA
Zip: 30519
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Getting the loan
Subissue:
Consumer Complaint: Discover Bank uses unfair lending practices to deny credit to consumers. I applied for a debt consolidation loan on today and was instantly approved. After completing the application, authorizing them to complete the hard pull on my bureaus, and providing my account information for the accounts I planned to pay off, I was informed by the rep XXXX that my loan was declined. As a licensed lender, I was surprised that my loan application was declined since I have exceptional credit history and the means to repay the loan but the reason does not make sense from a lending standpoint. I am a victim of identity theft and have alerts on all of my bureaus that state whenever a credit inquiry is to be made on my SSN, I am to be contacted by phone ( at a number I have had for over 20 years ) for verification which I have never had any issues with until today. I was told that when my bureaus were pulled, my phone number is not reflected in the fraud alert ( which I know is there ) and that Discover is protecting me, the victim, by declining the loan. I have never heard of such a reason in all my years as a lender and there is no secondary procedure for a person who is a victim ; the rep also mentioned that Discover was having issues with the format of their reports that they received on the recorded line. I feel that Discover is using a bs excuse to unjustly deny credit to those who qualify according to their matrix and is horribly designed to promote prejudice for people who did not choose to be victims but chose on the other hand to protect themselves. I also personally called the bureaus to verify my alerts and the information listed within the statements only to be proved correct as I am very organized and aware when it comes to handling my credit.
Company Response:
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
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 asked for Discover to dispute a charge of {$1200.00}. Discover said the merchant didn't send any documents to support the charge and Discover said I needed to pay anyway.
Company Response:
State: FL
Zip: 32837
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A