Date Received: 2023-12-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I submitted a dispute for fraudulent transactions on a stolen card. This merchant did not have authorization and still doesnt have authorization. XXXX XXXX whoever that is. Discover already charged my money market account {$1700.00} for past disputes stating merchant documentation supports authorized charges. I asked for documentation and again never received any. The fact that Discover charges the victim of theft but not the thief is beyond redicules. I never texted authorizing these charges and in fact I have picture proof of texting back N which means NO. I then received a call from Discover and when I went to call back I pressed 2 which means do not authorize or did not authorize. Discover denied these disputes on XX/XX/XXXX with the following reasons, inconsistent information provided by account holder through investigation - this reason is false again because I only contacted Discover once to dispute the charges. Second reason provided by Discover - account holders contact with financial institution supports authorized transactions- again false because Ive never had contact with this merchant. This merchant is in a different state, when I called in I told them I do not do business with this merchant. I texted the text message back N FOR NO. Again Discover blames the consumer instead of actually researching the fraud. Last one says valid transactions authorized with chip after card was claimed lost stolen. Again this is false the only transaction after was a transaction that had card information already saved using XXXX XXXX for a bill payment. This actually posted after the transaction actually occurred and chip and pin was not used. So again this reason is FALSE. No transactions were authorized. XXXX XXXX transaction, XXXX and XXXX XXXX on XX/XX/XXXX are also fraud. Which Discover missed. Lastly Discover stated they will withdrawal these funds from my checking account on XX/XX/XXXX again without proof of authorization as I never texted back validating the transaction. In fact I texted NO. Additionally Discover also authorized transactions on XX/XX/XXXX for a XXXX these also are fraud and Discover says again they texted me and I verified the charges the card was stolen at the time and I did not verify these charges. I have proof of texting back no to the response and yet Discover says I texted yes. Again Discover is falsely accusing the consumer without actually seeing from my end what I responded. Discover owes me refunds for charges not authorized. I do not know either of these merchants and I did not sign any receipts. I have not conducted business with either of these merchants. Discover did not properly investigate my dispute and instead originally sent a letter telling me the credits were permanent and later sent a letter advising they were charging me for the charges again. This is not proper conduct, and Discover charges me for charges I never authorized this merchant is on another state no where near me. I do not have contact with these merchants and never have. I have not signed any receipts nor have I advised Discover of contact with these merchants. Discovers reasons arent valid.
Company Response:
State: TX
Zip: 75087
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Discovery credit card XXXX calling Daily. Sometimes calling over 5 times a day. I told them I was unemployed and I was looking for a job and as soon as I get a job I would pay the bill. They manipulate to make a minimum payment and they told after that I would be ok for at least a month but even 2 weeks pass by and they kept calling to making the promise of giving me a break after I made the minimum payments. I paid and never had a break. Is very abusive because something I am in the middle of job interview and they keep calling. This is not healthy at all.
Company Response:
State: CA
Zip: 94131
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
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 ordered 2 pans from a company XXXX XXXX. It is showing the package was delivered via XXXX on XXXX. I did not get the package. The vendor refused to issue a credit or replace. Discover has taken the position that they do not need to issue a credit stating it is in their service agreements. Discover initially said they would email the information.. they did not. I called again to be told they can not email the information that it must be mailed and it could take 15 days. I filed a police report regarding the missing delivery.
Company Response:
State: CO
Zip: 801XX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, I opened two accounts, the XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX, with XXXX through their website. I followed the instructions and proceeded to transfer the initial deposits into the accounts. Using my Discover account detailsspecifically the routing number and account numberI made two distinct transactions : a {$25.00} deposit into the XXXX XXXX XXXX and a {$25000.00} deposit into the XXXXXXXX XXXX XXXX XXXX XXXX through the XXXX website. However, on XX/XX/2023, I received notifications from XXXX stating they encountered difficulties funding my newly opened accounts and decided to refund. However, I only received the {$25.00} deposit reflected in my Discover account. The {$25000.00} intended for the XXXX XXXX XXXX XXXXXXXX XXXX did not appear. Despite numerous attempts to resolve this issue by contacting XXXX, I have not received a satisfactory resolution. After submitting a complaint in CFPB to XXXX, I finally received their response on XX/XX/2023. XXXX informed me that their vendor, XXXX, holds the funds, and they advised that Discover 's ACH department should request a debit return. In response to XXXXXXXX XXXX guidance, I promptly contacted Discover and provided all the necessary information by phone. However, to my dismay, I received a letter from Discover on XX/XX/2023, stating that my dispute was closed. After immediately reaching out to Discover again, they reopened the dispute, assuring me of a credit return by XX/XX/2023. To enhance Discover 's investigation, I submitted both XXXXXXXX XXXX response letter and XXXX XXXX email. As of today, XX/XX/2023, I have not received any feedback or a credit back from Discover, and my attempts to seek clarification from the Discover dispute team have been unsuccessful. This financial situation has made my life a mess as I need to use the {$25000.00} to pay my rent and groceries. Therefore, I seek the CFPB 's assistance in facilitating a resolution to retrieve the missing {$25000.00}, along with any accrued interests, which have been outstanding for over two months.
Company Response:
State: MA
Zip: 02130
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Discover credit card shows 2 late payments when however there was no late payment and its wrong. I called them a couple of months ago, and they were rude and no help.by the Fair Credit Reporting - Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit my purpose Thank You
Company Response:
State: NY
Zip: 11040
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: XX/XX/2023 To whom it may concern, I have been dealing with financial issues as of XX/XX/2023 due to medical reasons, and I fell behind on my bills. I tried contacting the company in question ( Discover ) about the deferment program that they were advertising on the company 's website, only to be told that no such program existed. The company ( Discover ) was not very understanding of my situation and presented three different payment options that for right now is not within my budget. I agreed to one form of payment yet knowing that I would have some issues paying it because of other obligations that I have to consider. I don't know what to do, and I really struggling to find help in my situation and Discover is not offering this to me.
Company Response:
State: MI
Zip: 48219
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: saying that I have debt that I did not pay off, and will be escalated and they will refer this matter to Counsel. It must be a debt from a long time ago, and I am not sure what is the best way to handle this.
Company Response:
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: My XX/XX/XXXX statement closed and Discover offers 5 % cashback for spend on XXXX. I spent {$100.00} on XXXX but they only credited me {$4.00} shorting me {$0.00}. I tried to rectify with customer service twice but each time they would not adjust it. Its pretty simple math that 5 % of {$100.00} is {$5.00}.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: There was a transaction dispute between a merchant and me. After submitting the dispute, the credit card and merchant agreed to reverse the amount but the credit card is refusing to repay me the extra payment i had made for XXXX + days and I am suffering financial hardship
Company Response:
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: discover had never sent a written agreement or a promiesnary note but none was provided also the debt been sold to the company i ask to deleted the acct base it wasnt supose to be on my credit report i didnt give written consent in my right been violated for added information on my credit report without permission. `15 U.s code 1681
Company Response:
State: CA
Zip: 90302
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A