Date Received: 2022-08-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On or around XXXX XX/XX/2022 the Department of Treasury forwarded a complaint I filed against Discover regarding payment processing and billing errors. The correspnding CFPB complaint number is : XXXX. In that complaint I outlined that my mother made an ACH payment authorization to have funds debited from her bank account to pay on my statement. The authorization took place on or around XXXX XX/XX/2022 and was returned with XXXX -- unable to locate. However, I was not notified of this until XXXX XX/XX/2022 when the account was closed. A billing error investigation was conducted in name only. Despite the best efforts of the investigator ( s ) I remain concerned about the methods and practices used to conduct the billing error investigation. The nature of the XXXX error by definition implies that the information transmitted to the financial services institution for direct debit was an issue. That, although the routing number was correct, and the account number was formed correctly, the institution could not match that information and the accompanying first name and last name to an account. This is a distinct error code from XXXX -- NSF, XXXX -- closed account, or XXXX -- invalid account number. When conducting the investigation XXXX XXXX, in Discover Executive Office of Customer Advocacy, conceded that when comparing the supplied account information disclosed with the live agent, he was ony able to match the last four ( 4 ) digits of the account being debited. That is, whomever, and through whatever investigatory process he recieved the transaction information from, it/they provided him only with the last four ( 4 ) digits of the account number to match against the phone-based ACH authorization with a live agent that occurred on XXXX XX/XX/2022. And, althoug he was given the full routing number for the financial servies institution, he was not provided with the first name and last name as keyed into the ACH authorization by the live agent. This is troubling as the error could be on the part of Discover and its live agent. The investigator was not provided with that information. Yet, discover maintains that there was no error on their part. As that is the case, I am invoking my rights under 15 U.S.C. 1693f and requesting reproductions of any and all documents/materials used to substantiate the conclusion that no billing error occurred on the part of Discover. For clarity, 15 U.S.C. 1693f ( d ), " Absence of error ; finding ; explanation, '' states ''If the financial institution determines after its investigation pursuant to subsection ( a ) or ( c ) that an error did not occur, it shall deliver or mail to the consumer an explanation of its findings within XXXX business days after the conclusion of its investigation, and upon request of the consumer promptly deliver or mail to the consumer reproductions of all documents which the financial institution relied on to conclude that such error did not occur. The financial institution shall include notice of the right to request reproductions with the explanation of its findings. ''
Company Response:
State: MI
Zip: 48103
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-07
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/XXXX, I XXXX XXXX was a victim of identity theft and fraudulent activity on my accounts via XXXX XXXX, Discover in which 1st two charges were purchases made via XXXX, the XXXX XXXX person charged a computer in the amount of {$1000.00} and mailed to XXXX XXXX XXXX, XXXX, GA XXXX, and the transaction was in my name but not me. The hacker was receipting the notifications in my email account and dumping in my trash, and discovered via conversation with XXXX Rep. I notified XXXX and they still let the purchases take place. XXXX ( XXXX {$2000.00} from personal accounts ). XXXX was vigilant in stopping the wire, and the credit card theft, and issued new accounts immediately to all accounts, thief was not successful. XX/XX/XXXX, I noticed unauthorized charge in the amount of XXXX charged via XXXX for book purchase. Discover is stating a different story. Today, XX/XX/XXXX, I could not get what was purchased via XXXX Rep I must contact credit card company. First conversation with XXXX Rep confirmed the charges were not made by me and to contact the credit card company as it was fraud. I did dispute the charge. Discovers investigation said the purchase was sent to me to my address XXXX XXXX XXXX, XXXX XXXX GA XXXX, provided the description of items I supposedly received, which I had not received ( Elastic band for a wig, Printable shrink plastic sheets, Satin fabric wedding dress, XXXX for wedding dress decorations, 181 plastic sheets ). Discover representative indicate I have an authorized user on my account, my daughter. I explained to the representative in XXXX the permission for my daughter was taken off and all charges attempted to send after the date of me calling XX/XX/XXXX and cancelling all cards and further transactions were not going to be my responsibility. I informed the Representative I can close the account. The Supervisor in XXXX assured me that no one will be allowed to use card and all transactions will be stopped, supervisor supposedly fixed the issue so I would not close my Discover account. I was out of XXXX worth of charges I did not make, and I paid it off. New card was issued, and old cards and person given permission was removed from the account. Two years later, XX/XX/XXXX I reported fraud and was issued a new card. Today, I asked the lady how a card that was cancelled in XXXX incur new charges on new issued cards ( XXXX card ( XXXX ) and XXXX card ( XXXX ), and the person does not have authorization or permission to use Discover card. I'm so upset at this point. Why should I have to continue to worry about someone who had access to a cancelled Discover card that was closed out in XX/XX/XXXX but still can charge on a closed-out account with XXXX and I am held responsible. Since the XXXX incident I have not spoken to my daughter, and even if I did it has nothing to do with how charges are being made on a closed account and I am being held responsible. As stated in XXXX I will not be responsible for reoccurring charges, new charges especially on a closed account. The call in XXXX should have been on a recorded line and pulled to confirm the assurance the supervisor provided. Now I am dealing with charges I did not make nor give permission in XXXX.
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2022-08-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Other transaction problem
Subissue:
Consumer Complaint: I wanted to rollover money in an IRA from XXXX Bank to Discover Bank. I submitted the forms sent to me from Discover. I got the check from XXXX Bank. I endorsed the check to Discover IRA account and then everything went wrong. Discover Bank said the wrong forms were sent. I called them. They sent more forms. I called again. They said I did not sign in the right place. They have my deposit for at least 2 weeks, just sitting there and refused to put it into my IRA account. They refused to send me the form back, marking where I need to sign or date. They only will send another blank form. I talked to the supervisior, XXXX who would not put the money into my IRA acct. I have talked to at least 5 different people without resolve. She admits I have gotten the " run around ''. I finally said I want the check back or deposit it in my IRA account. She said they will send the ( already endorsed ) check back and I should now contact XXXX bank for a new check. This is preposterous. The forms packet they send consists of 52 pages. No one can decifer what it is they want to open an IRA there. In the meantime, I have only 60 days to do the rollover.
Company Response:
State: AZ
Zip: 863XX
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
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: I was notified by this company that a credit card was opened in my name, and was being mailed to a different address. I asked them to stop the card and close the account, because that was done fraudulent. I also asked that the inquiry be removed from my account. I was told that it could not be. Which is wrong accounting to the credit laws on fraud. I mailed them a letter that was returned. ( Photo enclosed ) I am requesting that this company remove the inquiry asap from my credit report, and send me a letter stating that everything was closed and removed.
Company Response:
State: NY
Zip: 11212
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I XXXX XXXX entered a consumer credit transaction with DISCOVER in XXXX of XXXX. I never asked them to send me a bill. in XXXX 0f XXXX they sent me a bill. In this bill were FDCPA violations 15 USC 1692b ( 5 ) using symbols and profane language, 15 USC 1692 ( f ) charging interest on a consumer credit transaction, 15 USC 1692j ( a ) using deceptive forms to make me believe I owe a debt. And violations in FCRA 15 USC 1681a 3 ( f ) aiding and betting debt collectors and agencies
Company Response:
State: NY
Zip: 11590
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Discover Bank suddenly closed my checking, savings, and money market accounts without prior notice on XX/XX/2022 and denies me access to any of the over {$310000.00} combined in these accounts. They refused to allow me to access the money, provide payment for the balance, or provide a reason for closing the accounts. I was informed that this was " a business decision '' and that I may receive a check in the mail for the balance in these accounts within 60-90 days. I have no access to any of the money, which represents nearly all my financial resources, including my direct deposit paycheck. I also have no access to any account information, statements, documents ( including tax documents ) or account balance to determine if any of my bills paid through their XXXX service were completed. They would not provide me with any reason or cause for this abrupt account closure, although I have been an excellent customer without any prior complaints, deficiencies, account or transaction problems. Obviously after this egregious business transaction, I have no interest in maintaining a financial relationship with Discover Bank, but they have effectively frozen all of the financial assets from the recent sale of my home, which will prevent me from completion the purchase of a pending sale. In return, they have denied me any resource for action or resolution, and not even provided cause for this action.
Company Response:
State: WA
Zip: 98003
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
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: Two unauthorized charges for {$100.00} and {$99.00} at a XXXX gas station in California were made to my Discover card on XX/XX/2022. I have disputed these charges multiple times and Discover alleges that they are valid. I live in Florida and was in-state at the time and could not have made these charges, but they refuse to remove them from my account permanently.
Company Response:
State: FL
Zip: 34116
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Discovers failure to appropriately investigate, notify, do its due process has caused me undue hardships. Ive made more than 10 calls to Discover, been transferred more than 15 times, and have spent no less than 13 hours of my time ( 80 % of the time on hold ). Discover completed an investigation on disputed charges I was unable to complete directedly with the retailer, whom completed neglected any communication with myself. Nevertheless, Discover came to the mistaken conclusion that a series of charges by XXXX were services I purchased and used. Facts Section I : I made Discover aware that I did have an account with XXXX and that it had been canceled as it was never used. Upon the most recent statement showing the unrecognized charges, I initiated the dispute. Discovered allowed XXXX to continue a charade of charges to charge a credit card number that had been reported lost or stolen, and consequently replaced, on multiple occasions. Discovered was instructed on of XXXX XXXXXX/XX/XXXX to block any further charges, authorizations, or business dealings with XXXX. XXXX XXXXXXXX assured me that a block would be initiated. No Access : I do not have the ability to discuss my account with XXXX representatives because they could not verify my identity with an updated cell phone number and their use of an expired email account. Fraud : When I noticed charges on my statement, I contact Discover to start a dispute. The agent suggested the funds would not be reimbursed unless it was labeled as fraud. I changed the disputed status to fraud. Failure to protect : Despite my request to ban future transactions, Discover still allows XXXX to authorize transactions on a new account number. As recently as XX/XX/2022, XXXX debited and credited my account for {$1.00}. ( See documents A and B ). This is a banking transaction technique used to verify with card retailers if the consumer has available credit. There is no conceivable reason this should have taken place on XX/XX/2022 when they were banned by Discover to unlawfully gained access to my account. Dont be off put by the disguised name of the authenticator on XX/XX/2022, if you research further XXXX merchants ' contact information is addressed as XXXX XXXX XXXX XXXX, Az XXXX. Discover allowed this to take place after a block was initiated and should have been followed thru by the fullest extent of the law.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
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: I called Discover Bank @ XXXX ( XXXX ) XXXX on XX/XX/XXXX spoke to XXXX about payments are not reflecting on my credit reports he said the account was closed XX/XX/XXXX which is not true. Monthly payments are made to Discover every month on time which is not reporting on my credit report. XXXX, show recent payment XXXX ( XXXX ) and reported that the account was closed XX/XX/XXXX as of today it still show closed .XXXX XXXX XXXX XXXX and XXXX reporting inaccurate information.
Company Response:
State: TN
Zip: 37115
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
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 was charged XXXX for XXXX credit report on my credit card, i sent XXXX a letter in XX/XX/2022 to cancel theses services and called the companies phone number last year, got a computer voice that asked me to enter my social security number and said i was not a member, i sent my credit card company a copy of the letter they started a dispute and said it was insufficient, i thought sending a letter asking XXXX to cancel was good enough.
Company Response:
State: IL
Zip: 618XX
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A