Date Received: 2022-07-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: As of XX/XX/XXXX my Discover Bank Credit Card debt in the amount of {$3000.00} was cancelled and reported to the IRS. On XX/XX/XXXX I submitted the 1099-C Cancellation of Debt form that I received from Discover Bank to the IRS on my XXXX tax filing as income for the discharged debt amount of {$3000.00}. On XX/XX/XXXX I requested that Discover Bank, XXXX, XXXX, and XXXX update the account status on my credit report to reflect that this debt was cancelled and to date there has been no change. Discover Bank is still reporting to the credit bureaus that this account has a balance and past due amount of {$3000.00}. This fraudulent and inaccurate information is negatively impacting my credit score. This fraudulent and inaccurate account needs to be deleted from my credit report immediately.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have sent several letters to the debt collector explaining that the debt is not mine. I have also sent letters to three credit bureaus. One successfully removed it but the other two did not. they are in violation and not in compliance.
Company Response:
State: NY
Zip: 10472
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
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 My card was charged {$160.00} by flohocky. - XX/XX/XXXX I disputed this fraudulent charge as I didn't have and never had an account with flohockey. While reviewing my account I discovered another previous fradulent charge from flohocky on XX/XX/XXXX for {$140.00} and disputed this at the same time. After I had disputed the charges I was also advised to contact flohockey. Their customer service was unhelpful and they told me since I disputed the charge they couldn't do anything about it. I looked up flohocky on the better business bureau and saw they have a F rating. Apparently I am not the only one they are ripping off. - XXXX XXXX Discover card reversed the dispute for both charges and reapplied the charges to my account. - XXXX, XXXX, XXXX I noticed that the fraudulent charges had been reapplied to my account back in XXXX. I immediately called to find out how that was possible. I was told they would reopen the dispute for the XXXX and once that was resolved they would work on the XXXX charge too. I was told they would follow up with me as to the results of their investigation. - XX/XX/XXXX After not hearing anything from Discover card I looked into my account to see the fraudulent {$160.00} reapplied to my account again and spent nearly an hour and a half talking to XXXX different people trying to get these fraudulent charges resolved. I asked what evidence they had that these charges were not fraud. The answer I got was that they had my wife 's name ( authorized account user ) and card information so they viewed them as legitimate charges. I explained that neither myself nor my wife ever signed up for flohockey service nor did we ever provided them with the account information. A charge not authorized by myself or my wife pretty much seems like fraud to me. We don't know how they got the card information.
Company Response:
State: OH
Zip: 43615
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I received an email this morning, XX/XX/XXXX, from Discover that my account access had been suspended due to unusual activity so I called them to verify anything I needed to. I was then told that my account had been closed by Discover on XX/XX/XXXX due to business reasons but could not be provided any specific reason. I was asked to verify a check that I had deposited on XX/XX/XXXX from my place of work but was still told that my account was closed and there was nothing that could be done. I was also told that I can not access the account nor can I withdraw my money. They said I should get a check for the balance in 60-90 days but thats all the money I have. Why should they be able to hold my money for 2-3 months? I asked to speak with a supervisor and was told that none were available and that ended my call. That money is quite literally my livelihood, I have no way to pay bills or anything now because of this. And nothing was proven to be fraudulent in the account, it was just closed without reason and without me being able to verify anything.
Company Response:
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/22 I opened an account with Discover Bank. I initially applied for a 6 month 0 % transfer balance but it was denied and I was offered a lower credit limit. I had no ideal that they would continue with the balance transfer even though my credit limit would not cover all of the funds that I had initially input but when I checked my balance after signing in online it was maxed. This was very unwelcome as having a maxed out credit card will harm my credit but since it was a lower interest rate so I tried to be optimistic and not complain. One month later I found that the balance transfer to my XXXX XXXX XXXX card never occurred. I called and was told that sometimes it takes time for the transfer to go through and to call again in a few days. I called a week later to both XXXX XXXX and to Discover alerting them that I have been paying interest on the {$400.00} to both XXXX XXXX and to them as there was no transfer received by XXXX XXXX but I was being billed by both banks for the same monies.There was little that XXXX XXXX could do so I put the burden on Discover. They then submitted a " dispute '' and after 1 week I called again only to be told that it takes " 10 days to follow the money trail. '' That was almost 1 month ago and I sent a message on the app and still nothing. I called them today on XX/XX/22 only to be transferred 3 times before I could not take anymore. I have spent hours on the phone and they are fully aware of the situation. I have made 2 payments to XXXX XXXX when the balance should be XXXX after the alleged balance transfer from discover. I was charged a transfer fee and my credit has suffered because of the amounts used on my credit cards is double. At this point I have done everything I am willing to do to resolve the situation. This is not only incompetence but theft that has stolen my time, money, affected my credit and caused me undo mental anguish. I expect a resolution and an apology is not an acceptable equivalent.
Company Response:
State: MO
Zip: 64151
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
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 went to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. XXXX. On XX/XX/XXXX, XXXX XXXX processed a XXXX XXXX payment of {$390.00} payable to Discover. The payment went through but a wrong account number was referenced. Discover received and cashed the payment ( According to XXXX XXXX and the XXXX XXXX ) I have been working with XXXX XXXX who is the supervisor ( XXXX ) XXXX and/or XXXX. Discover first requested a copy of the receipt which was provided. Then they came back requesting I tell them the account number the money was deposited to. I told Discover they would have the information, not me. I had a three-way call with Discover and the XXXX XXXX . Discover requested a routing number and the endorsement of who cashed the check. I have had to open 3-4 dispute resolution requests. Discover just keeps closing them and sending me a letter saying it has been resolved. Discover credited my account about 4-5 months later. In XX/XX/XXXX they placed the chargeback on my credit card saying they credited the account one too many times and I now owed them the original disputed amount. I have filed a complaint with the XXXX and Discover refuses to budge.
Company Response:
State: IL
Zip: 60142
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I was originally in school to get a XXXX XXXX, during that time, my loans were on hold. Then eventually I graduated in XX/XX/XXXX. Soon after Discover student loans contacted me to start payments. I informed them I wasnt making enough money to pay the amount they were requesting. They put me on a lower payment plan, however, I was still unable to make those payments. I started a new job in XX/XX/XXXX which required me to relocate to Virginia. During that time relocating I had to pay all expenses etc. I then received an email Indicating that my loans will be in default. I immediately contacted them and paid {$380.00}. This payment was issued in XXXX. I woke up last week to the news that my loans were charged off. I tried calling them to negotiate or figure out anything I can do. They indicated once a loan is charged off the entire balance is owed. I only make about {$58000.00} a year. With all of my expenses including rent utilities and food I can not afford the amount theyre asking me to pay. I tried everything and there seems to be nothing I can do. I called them again today and was told calling every day will not change the outcome. It will remain the same. I am frustrated, sad, worried, feeling overwhelmed, and feeling like theres no way out even through XXXX. This is one of my last resort As I am not sure what else I can do. Trying to refinance is also impossible because of how they have affected my credit.
Company Response:
State: VA
Zip: 23224
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Well, just to put you in the frame, I am a new XXXX XXXX who came from XXXX. I landed in the United States in late XXXX. I needed a bank account so I did some research and found out that Discover Bank suits my needs. My main income is from XXXX ( I do XXXX XXXX ), then XXXX ( as a XXXX XXXX ), and sometimes XXXX ( I roughly get anything from it ). Well, after a month with Discover Bank, they decided to close my account without notice. I called them and they said it was a " business decision ''. Tried calling 5 times to try different agents and supervisors but all I got was the same answer " from what we can see it is a business decision and that's all we have ''. THE BIGGER PROBLEM is they refuse to let go of my hard earned money ( XXXX $ last time I checked, but I don't know exactly since I scanned a check lately and I still receive payouts through XXXX ). they literally told me they will send it as a check only after 60 days have passed. Which sounds shameful to me. How am I going to pay for my rent and food? 2 months is a long period of time. I have also heard that some people waited 90 days and they didn't receive their funds. Should someone please direct me to what should I do exactly, I will be XXXX XXXX XXXX soon since I don't have emergency funds or any other bank account with funds.
Company Response:
State: CA
Zip: 90033
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I submitted a complaint on XX/XX/XXXX regarding student loans with Discover Loans. The # we were given is XXXX. This is with Discover Student Loans. I received an email that my complaint and documents were sent to Discover XX/XX/XXXX. I have not heard from any since them. Is this case still open?
Company Response:
State: CA
Zip: 92592
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I recently recieved a notice from the DISCOVER, Bank Customer Service. It indicated that they had recieved a application, on my behalf, to open a Discover Bank Account. It inidcated that the application has been cancelled as of the date XX/XX/2022. I contacted Discover and the customer service indicated that someone indeed tried to open a account on my behalf, but could not provide the necessary detatils to continue. I told them that i have never asked for a Discover Bank Account and that whoever is trying to do this is commiting fraud. Im sure there is other data in Discovers records, from the person who tried to open an account. What can I do?
Company Response:
State: WA
Zip: 98208
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A