Date Received: 2022-07-31
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: We have tried multiple times to work with Discover Card regarding our struggle to pay our bill as a result of loss of employment due to Covid causing the XXXX XXXX that I was working on to be shut down along with the next contract that I was to work on being canceled. XXXX XXXX was one of the jobs I was to be on for years to come & the shutdown not only hurt my family income from over {$270000.00} income to ZERO income. I am having to leave the country to go to work but have not had my visa completed yet to work so my income has been at a halt since late XXXX early XXXX with an odd job here & there. I have even had to file for food assistance as a result of this situation. I have tried with no luck to get a hardship from Discover they just say " oh I'm, sorry we can lower your payment to {$400.00} '' & I tell them I can't even afford the minimum due of $ XXXX how do you think I can afford this. I know that they have these programs as I have seen the info online & I even gave that info over to them & they still say the same thing with no assistance. I tell them I am trying to pay you guys something & not have to file bankruptcy but with the lack of assistance that might be the only way for me to get things done. Other creditors have helped by applying hardship for 60 months with XXXX interest & even my mortgage company lowered my monthly mortgage almost half of what it used to be. I am struggling to keep a roof over my head & my lights on, let alone try to keep my credit in good standing. I am trying not to have to file bankruptcy but, if I can't get the assistance I don't see any other way at this point. The whole world has been hit with this not just me so you would think in this unique & crazy situation that they could work with us to not only try & get them some payments but also help a fellow human being in making it a little less stressful with the lack of income especially when I am paying what I can whenever I can. I'm not trying to escape the debt but trying to pay on limited funds.
Company Response:
State: LA
Zip: 70458
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Before I opened my Discover credit card, I was promised that I wont be liable for any unauthorized transaction. In XX/XX/2022, I filed a dispute on a fraudulent transaction on my account. Dicover first credited my account with {$2500.00}. Within a week, it reversed the credit without any explanation nor giving me a chance to review and appeal, and consider it final solution.
Company Response:
State: CA
Zip: 91770
Submitted Via: Web
Date Sent: 2022-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Before I opened my Discover credit card, I was promised that I wont be liable for any unauthorized transaction. In XX/XX/2022, I filed a dispute on a fraudulent transaction on my account. Dicover first credited my account with {$2500.00}. Within a week, it reversed the credit without any explanation nor giving me a chance to review and appeal, and consider it final solution.
Company Response:
State: CA
Zip: 91770
Submitted Via: Web
Date Sent: 2022-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I received a billing statement from XXXX XXXX XXXX XXXX out of XXXX XXXX XXXX citing they representing Discover Bank on an alleged credit card debt I owed. The demand was responded to within 30 days to which I requested the debt be validated in addition to providing me what legalities this firm has to attempt to collect a debt against me in the State of GA and if they are licensed to practice collections or law within the State of GA to provide proof of the same. As far as validation this debt collector simply mailed me billing statements which are not contracts or a written agreement of any debt I've agreed to or am legally binded to pay. This debt collection has sent only XXXX notices and neither suggest or imply that they would be or seeking legal remedies against me. As such, I've recently found out that their is a civil matter filed in the XXXX XXXX XXXX under docket # XXXX over this alleged debt that has not been proven. At this time I feel as if my life is now being threatened over a $ XXXX credit card debt while many americans myself included are dealing with increased expenses as we are in a global recession with no immediate relief in sight. To now add to my XXXX I am now being forced to respond to a debt and my livelihood being affected when this company has likely written off this debt and are only trying to force me to pay them additional monies.
Company Response:
State: GA
Zip: 30062
Submitted Via: Web
Date Sent: 2022-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I applied for a credit card for discover, I received the card but the account has been frozen for nearly 2months yet I submitted every document they requested and there is no feedback at all. I feel discriminated yet even my referrals have access to the service. Am wondering what is not happening so requesting for your intervention
Company Response:
State: IA
Zip: 525XX
Submitted Via: Web
Date Sent: 2022-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Friday, XX/XX/22, I deposited a payroll check using Discover Banks mobile app. The check is a local county government check drawn on XXXX XXXX government services division on behalf of the XXXX XXXX XXXX XXXX XXXX. Upon depositing the check, I was notified that the funds would not be released until XX/XX/XXXX, a 10-day hold. The customer service reps I spoke with could not do anything about the hold. It is my understanding that banks should not hold a deposit of a government check no longer than 2 business days, which would fall on XX/XX/XXXX. Furthermore, I am not a new customer.
Company Response:
State: CA
Zip: 92507
Submitted Via: Web
Date Sent: 2022-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have filed several disputes with XXXX, XXXX, and XXXX with regards to inaccurate data being reported to these three bureaus by Discovercard. The inaccurate report in this complaint is the account is the responsibility entry : DiscoversCard has arbitrarily assigned the status as a JOINT ACCOUNT on two bureaus and INDIVIDUAL with the third credit bureau. See attached documents to show proof that this irreversible action by DiscoverCard less than removing their account completely from my credit file with all bureaus IMMEDIATELY they will be breaking the law every minute of each day until their entry on my credit file with all bureaus for the follow reasons. 1. Fact. The responsibility status reported by DiscoverCard in my credit filed are contradictory. 2 Fact. DiscoverCard is arbitrarily assigning this status because they do know the correct entry, because, 3. Fact. DiscoverCard does not have access to any application of credit that I signed bearing my name ; nor any contract or agreement explicitly showing where I applied for DiscoverCard, and 4. Fact. I contacted DiscoverCard and everytime I called on different dates and times, DiscoverCard staff would give me a different and inaccurate each time, and 5. Fact. They continue to give me inaccurate data along with and to the credit bureaus because they do not have a that record in their possession because it does not exist. And 6. Fact DiscoverCard informed me each time that they do not have that information in document form whatsoever and, 7. DiscoverCard continues to post credit information bearing my name and historical data, damaging me and my credit each and every day and have been for years. And, 8. To date, DiscoverCard has not followed federal law with regards to following federal Rule : 9. Each entry by a creditor into the credit bureaus must report accurate, valid, and verifiable data and all levels of the reporting. And 10. Knowingly reporting inaccurate data, arbitrarily, and does not make effort to remove that data that is not accurate, verifiable, and not valid is a criminal act and can be held liable for damages, and 11. DiscoverCard has known for months through several disputes and continues to break federal law. And, 12. The entire credit file must be removed immediately if any part, entry, or and any reports to the credit bureaus are not just that as stated above. And 13. DiscoverCard is in direct violation of Federal law at this submission of complaint. And, 14. At this point, any original application, agreement, contract or otherwise completed and or signed by me whatsoever after the time that has elapsed and their failure to this far, would only be fabricated media and would be challenged in court for liable restitution. And, 15. If DiscoverCard does not remove their entry completely from report immediately after this specific complaint with evidence, I will report this breach to The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), two federal agencies charged with overseeing and enforcing the provisions of the act in efforts to have DiscoverCard penalized in any way possible for dereliction of their duties in credit reporting. 16. See attachments for contradictions in their reporting specific to this complaint.. ,
Company Response:
State: NC
Zip: 28411
Submitted Via: Web
Date Sent: 2022-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
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 disputing a charge on my discover card for {$1100.00} from elite solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX because the company failed to follow California laws numerous times including misrepresentation of the product quality or services provided i attempted to resolve the issue filing a dispute with my discover card for receiving a worse product than promised. it literally rotted on my head they used illegal dangerous chemicals to put it on my head without informing me of the dangers or providing law required materials. i signed up for the product XX/XX/2022 and my card was billed that day but, i received the less than quality product XX/XX/2022 a month later.i then contacted the merchant numerous times to fix the product and was still unsatisfied they refused to refund me any time. finally XX/XX/2022 i contacted discover for a refund and dispute after numerous failed attempts by the merchant to resolve the problem or refund me i even paid more money to get it resolved and fixed and still not good and they ( elite solutions ) stopped responding and refused to refund me which i explained to discover. i paid over {$3000.00} and in the end i have returned the product to elite solutions and have not received any money back so far. XXXX dollars back and also i dont have the product because i returned it. ive ended up with nothing. i am disputing the {$1100.00} because i never received what was promised once. the pictures below show the day i received the service the XXXX coming up and other days i attempted to get it resolved the product rotting on my head stinking terribly. the owners promised to make sure i was satisfied every appointment i saw them two times of the 5 appointments i tried to get it fixed. i disputed money that i over paid and had not yet been earned by California law i am entitle to a refund based on the Beverly song act and cal civil code because in a timely manner i made an attempt to get a refund and exhausted every possible avenue in doing so absent a lawsuit which is next
Company Response:
State: CA
Zip: 95842
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
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 overpaid my credit card balance by {$15000.00}. I had made an electronic payment through my XXXX XXXX bill pay service to Discover Card on XX/XX/XXXX. I noticed the over payment within a day. However, XXXX XXXX would not stop the payment. I notified Discover the same day. 21 days and several conversations later, Discover will not electronically reimburse my account. They will send a paper check in another 2 weeks. They have will have wrongfully retained my funds for 1 month.
Company Response:
State: MN
Zip: 550XX
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A