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 have been attempting to contact Discover about a reoccurring XXXX charge. I work daily so I attempt to use their suggested online chat function. I contacted XXXX earlier this year and they confirmed my account with them is cancelled with no billing on it, but I still am receiving charges. They advised me to contact discover for help. I first contacted them in XXXX through the chat. Not only is their chat function poor and continually passes you around to different associates, who all proceed to ask have you tried to contact them? When did this happen? Literally for months, I let them know it isnt resolved and still need help. They then ask the same questions I have answered and then the chat drops, looks like it was resolved! Do you want to talk to another associate? I keep telling them it isnt and today I told them I need to do this otherwise i need to cancel my card. They proceeded to ask if I contacted XXXX this is XXXX months of fraudulent billing and they refuse to assist whatsoever
Company Response:
State: FL
Zip: 32205
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: 2022-08-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: While checking my credit report, I notice an account from DISCOVER FINANCIAL SERVICE, that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that DISCOVER FINANCIAL SERVICE is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Company Response:
State: FL
Zip: 33178
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened a Discover checking account around XX/XX/XXXX, and they decided to close it on XX/XX/XXXX for " suspicious activity ''. I did absolutely nothing wrong, and now they won't return my money for 60 days. I can not wait 60 days, who can? I called everyday between XX/XX/XXXX- XX/XX/XXXX, and no one could help me get the money faster or even an explanation as to what happened. Someone told me I would receive a letter in the mail stating what happened ( implying it would come before my money ), but then someone told me today that letter would not come until my check came with it.
Company Response:
State: CO
Zip: 80228
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/22, Discover lowered my credit limit from {$30000.00} to {$900.00}. I called Discover on XX/XX/22, at XXXX XXXX. XXXX, the representative, advised that a soft pull was done on my XXXX consumer report which I did not expressly authorize in writing, pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). I advised her that Discover had violated my federally protected consumer rights. Discover 's actions in reducing my credit card limit from {$30000.00} to {$900.00} is discriminatory and in violation of federal law. Specifically : 15 USC 1602 ( f ), 15 USC 1602 ( p ), 15 USC 1691 ( a ) ( 3 ), and 15 USC 1681b ( a ) ( 2 ). XXXX said promised that a supervisor would call me back within 24-48 hours. It has been 72+ hours and I have not heard back from Discover. My rights have been violated and nobody has tried to assist from Discover. I have suffered harm, injury, and emotional distress from this situation.
Company Response:
State: CT
Zip: 06880
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Discover emailed me on XX/XX/XXXX at XXXX regarding suspicious activity on my account and froze it temporarily until I could call to resolve. I called them at XXXX on XX/XX/XXXX to discuss the notification. When I called, Discover had informed me they made a " business decision '' and closed my account, without any notification to me. They have termed all my online rights and removed me as a member. All of my funds and income are in this account. After trying several times to speak to a supervisor or someone to help, they told me they did not have anyone and I 'might ' receive a call back in 24-48 hours. With being a new mother and all my funds are in the account I expressed I did need to talk to someone about what was going on and how we can resolve this or grant me access to my funds so I could get formula for my baby. They did not further assist me and told me a " business decision has been made ''
Company Response:
State: VA
Zip: 23832
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2020 Discover illegally filed litigation against the cardholder ( myself ) during the Pandemic. There was a stay of debt collection filed by the XXXX House, Discover chose to evade and sued cardholders. I settled with this creditor with the understanding they we to remove the credit reporting from the 3 credit bureaus upon satisfaction on XX/XX/2020. I have made several attempts to justify and ask them to remove the reporting inaccuracies, but they continue to ignore my kind request for removal, which was an agreement with the attorney representing the card company Discover. Now nearly 24 months later, the consumer is still negatively being denied and illegally penalized for paying off an account upon a court agreement. I followed what I agreed to and now Discover to own up to their agreement upon pay-off settlement. As shown in the document, the card issuer Discover is illegally reporting my account information to the 3 bureaus which is causing stress, and financial hardship for the consumer due to negative information being reported and updated. Per FCRA guidelines and regulations, the account is being reported incorrectly across all bureaus. Account number # XXXX XXXX XXXX is incorrect, dates are invalid, account rating is wrong on XXXX and I have spoken with Discover numerous times and explained this complaint.
Company Response:
State: MO
Zip: 647XX
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: To Whom It May Concern at Discover Bank, The reason for this complaint is that my saving and checking accounts were closed abruptly and with no reason given other than it was a business decision. As of today, XX/XX/XXXX the remaining funds in the amount of {$1700.00} has not been received or additional information given. Here is a timeline of the events leading up to the abrupt account closure : XX/XX/2022 Opened checking account ( Cashback Debit ) number X and debit card number X a. I linked my existing XXXX XXXX checking account and then sent two small deposits to verify the account. The two small deposits were received and later withdrawn by XXXX XXXX. b. I linked my existing XXXX Bank checking account through XXXX Bank Instant Account Verification Service. XX/XX/2022 - ACH transferred into Discover Checking Account from XXXX Bank, {$1700.00} XX/XX/2022 Opened saving account number X XX/XX/2022 Moved money from checking to savings {$1600.00} within Discover Bank XX/XX/2022 Activated Debit Card and deposited a personal check from XXXX Bank in the amount of {$1100.00}, check number XXXX, funds were going to be available XX/XX/2022. XX/XX/2022 XXXX XXXX XXXX ( Childcare payment ) posted two charges of {$410.00} for a total of {$830.00} XX/XX/2022 XXXX bill came through and posted in the amount of {$200.00} XX/XX/2022 at XXXX XXXX Received app notification and e-mail stating, We're writing to let you know that we noticed unusual activity on your account. For security purposes, we have suspended access to your account. If you have already spoken to us about this, no further action is needed ( Discover Bank ). At around XXXX XXXX I contacted customer service at XXXX and a recorded voice message let me know that my accounts had been closed and that a customer service agent did not have more information. Either way, I talked with a customer agent, who said that due to a business decision Discover Bank closed my accounts and that a check was going to send to the account owner on file after 60 days ( Discover Bank Agent ). XX/XX/XXXX I viewed my XXXX file and I do not have any negative reported information from other banks. I also requested XXXX send me a Consumer Score Disclosure Report and I received it soon after in the mail and my score was favorable as of XX/XX/2022. XX/XX/2022 Received three letters from Discover Bank letting me know that We're writing to let you know that we noticed unusual activity on your account. For security purposes, we have suspended access to your account. If you have already spoken to us about this, no further action is needed. This was the same for the checking and saving account. The third letter said that my overdraft account connection had been deactivated. XX/XX/2022 Received e-mail saying, We wanted to let you know that we were unable to auto redeem your rewards this month because one of your accounts has either been closed or is temporarily frozen. As a result, you have been unenrolled from Auto Redemption to Online Savings. You can easily reenroll with an eligible account by logging into your account online or through the mobile app ( Discover Bank ). Again, I have no access to the account and due to this abrupt closure ; I was unable to receive any cashback ( 1 % ) from the three purchases that came through the checking account in the amount of {$10.00}. XX/XX/2022 Received an email saying that my statements for both accounts were ready to view online. However, account access to both accounts was removed back on XX/XX/2022. XX/XX/2022 - I submitted a complaint to CFPB to clarify any misunderstanding, gain access to my funds and keep my credibility unblemished. I look forward to talking with an agent via phone that will listen and resolve this issue without putting my credibility in jeopardy.
Company Response:
State: CO
Zip: 80228
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: 2022-08-05
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: My name is XXXX XXXX XXXX XXXX I am filing this complaint because I have exhausted all of my possible options to rectify a situation in which my credit card company " Discover card " refuses to rectify even after they admitted to the error being on there behalf. U believe under the " CARES ACT '' they should have removed late payments and went back to reporting it current because of cover .I have been trying to get this matter resolved for about a year now. I have even worked closely with one of the XXXX credit reporting company to resolve the issue but after months of trying to resolve the issue through them, I was told I could only fix the problem through discover card, they could only make a note of the error. The error that I am referring to is Discover card had reported my account late on payment 3 times resulting in my credit score to drop XXXX pts. I have been with Discover for XXXX year and I have been in good standing throughout the duration and I continue to do so even today when they have not fixed the error. I am currently XXXX living In XXXX paying XXXX a month to stay here because my once excellent credit score is to low to get approved for a home. The error accord when back in oct/nov of 2020 this is during the pandemic. I reached out to them to see what pandemic relief programs were available because most of my other credit card had programs. My mother was going through a really bad divorce at the time so I moved in to help her but she was forced to sell the home in the divorce so I was trying to get a jump on all my finances so that's why I reached out. I then consulted with a young lady in which she came up with a program in which my monthly minimum payment would increase from XXXX to XXXX a month and it would keep me current in terms of my payments. Which I agreed to because I she said by doing so I wouldn't be reported late. So I moved into a hotel with my mother for 3 months while we looked for a home. finally found one and was denied do to my credit score. Thats when I realized Discover was reporting my account late even though the program the young lady put me in was taking the amount out of my account monthly through automatic payment. So I didn't realize the dip in my score because to my knowledge the money was coming out of my account. Once I found this out I immediately contacted Discover to rectify the situation. This is prime time in the pandemic most ppl were working from home. So it was difficult to actually get a manger on the phone or find anyone who could resolve this issue. I finally got a manager after weeks of sitting on hold being transferred day by day to get someone who either transferred to someone who couldn't help or just simply hung up. I finally got a manager in which understood what happen then credited my account XXXX dollars do to the error on behalf of the employee who essentially put me in the wrong program which wasn't making my account which was the reason for me calling in the first place. I let several people know about he situation I was in, pleaded with several ppl who simply didn't care and didn't want to fix the reporting side of the issue which was do to the fact there employee was misinformed and then misinformed me. I was told I had to go through credit bureau ( XXXX ) etc to remove the late payments, eventhough the money was automatically coming out of my account every month and is still doing so till this day. I then filed disputes with equfiax which took more months to resolve which finally they said we can make a note of it but Discover is the actual one who has to remove the wrongful late payments. I Still call and try to get them to fix this error, employees understand that its an error but no one has any intent on helping me fix this. I am literally homeless and I have never had a late payment with Discover. I don't know what to do at this point. I just understand that it is not fair practice for them to do this to people who haven't done anything wrong. I have been the standard of customer as I said I have never had a late payment in 7 years. So to whoever is reading this I am pleading someone to help me bring this to resolution. I have attached the 3 months in which I was being reported late and the money was automatically coming out of my account. I also never received in calls from them to bring me current. I also have file showing Discover credited my account XXXX dollars because they admitted the error was on there behalf.Under the cares at that shows My account should of never been reported late.
Company Response:
State: CA
Zip: 91790
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
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: 1 ) Was charged on XX/XX/XXXX from XXXX for XXXX on my Discover Card XXXX ) Disputed the charge on XX/XX/XXXX as there was no record on XXXX of this transaction as my plan was cancelled. I uploaded these documents to Discover.Com in the dispute case XXXX 3 ) Discover reached out on XX/XX/XXXX via email and notified me that the dispute was investigated and found to be in my favor. The email stated " If the merchant provides information indicating the transaction is valid, we may reverse the credit adjustment and notify you with a copy of any documentation we receive. In that case, you will be able to provide additional information if you wish to continue the dispute '' 4 ) In XXXX the transaction was posted to my account. No notification from Discover that this was done. 5 ) On XX/XX/XXXX my auto pay paid the XXXX dollars. 6 ) Contacted discover and they stated that my transaction was still under investigation and that was why it was posted back to my account. Reviewed my XXXX account and new charges were attempted to Discover on XX/XX/XXXX but never appeared on Discover statement and do not add up to XXXX dollars. These charges were not approved or authorized.
Company Response:
State: WA
Zip: 98115
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022, I mailed Discover Bank XXXX money orders. Because Discover is an online bank, I could not deposit the money orders through the online/mobile app, but rather had to mail them for processing. Prior to mailing the money orders certified, I called Discover XXXX times to ensure that I was properly mailing the money orders to the correct po box . The USPS tracking indicates that the money orders were received on XX/XX/2022 ; however, after an investigation, Discover informed me yesterday that it never received the money orders. Further, Discover 's USPS representative stated that it does not know what happened to the money orders that were mailed via certified mail. The supervisor did not offer any options to make me whole. However, she did apologize for any inconvenience. That same day, I opened an investigation with the USPS XXXX XXXX XXXX.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A