Date Received: 2022-07-26
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/2022 I applied for a credit card via referral link sent by a friend, since I am a new green card holder here in the US and want to try increasing my credit score I tried to apply for this discover credit card and immediately I got approve without asking me if how long I have been living here in the US. I am so happy that I got approved to start building my credit score. However, when I got the physical card and activated it, knowing that I can already use it my first transaction was declined. So I immediately called the bank and ask why. So they say that I need to sign some documents so they can do a back check and its all fine with me. But the problem was they were asking me to provide a 3month bank statement until the XX/XX/XXXX of 2022. I called them again telling them that as much As I wanted to do that I can only provide a 2month statement until the deadline since I just arrived and started working here in the US just The month of XX/XX/2022. Then the only option they given me is to personally close the account or if I did not give them the requirements they need, they will automatically close my account even if I do not want it since either of those can greatly affect my credit score which initially the reason I applied for this is to build up my credit score as a starter. This is very frustrating on my part. They should have ask initially during the online application if for how long an applicant is currently residing in the US in that case that can immediately disapprove the applicant and not go through with process. Very disappointing. Me, together with my friends are now experiencing this situation that we dont want to happen when we applied. I tried calling them many times and they are just telling me the same thing, either close the account or they will automatically close it if we did not submit the documents they needed. Kindly help us with this discover credit card.
Company Response:
State: VA
Zip: 24153
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I requested validation from Discover about an alleged debt as part of a complaint Discover started in court. I received correspondence from Discover dated XX/XX/XXXX, stating the alleged account was opened in XX/XX/XXXX. That a credit card was issued on XX/XX/XXXX, Discover also included alleged statements from XXXX XXXX XXXX. Additionally, Discover mentioned there is an outstanding judgment and the alleged account has not been sold. This does not constitute validation. The documents provided are incomplete and validation is not possible. How can Discover file a claim against a consumer if they do not have a valid alleged debt?
Company Response:
State: FL
Zip: 33175
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The original owner od this card is my husband since XXXX, im not really sure the the year he put me as an authorized user only. He never ever put me as a secondary on any of his card. Late last year XXXX he just found out that the credit card company decided to put me as secondary without his and my knowledge i consider this as fraud. He was so upset and arguing with them that he didnt autorized it, my wife ( me ) doesnt work no incoome at all. I quit my job since my husband became XXXX and unable to work. He was so sick, he passed XX/XX/XXXX. When i reported to the company that my husband passed then the company put me as Primary account holder for {$14000.00} with the minimum payment of {$2100.00}. I dont have that kind of money im a senior depending on my social security for {$1900.00} and some cents. i have to pay my mortgage and my utilities and food and gas everything is high in prices. Please help me this givving me XXXX and my XXXX im XXXX XXXX XXXX this year. Please i really need your help. I referred to you by the office of the Attorney General. I have getting letter that they will sue me or submit to the credit bureau to collect the full amount. My husband XXXX percent XXXX, when he passed all his benefits stop and he did not leave any estate. XXXX percent of the charges are my husband. I really appreciate your help. I called and talked to them but the wont consider anything, last month i pait {$50.00} thats all i can afford but they accepted the payment. I just got the new statement with the minimun payment for {$2100.00} Yours Sincerely,
Company Response:
State: FL
Zip: 34654
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Sent a wire transfer from my discover bank to the closing company for real estate. Called discover and they said the wire is on the way and deducted from my account. Apparently its under federal reserve review. We are short on time and I didnt even know I was required verification. This was known to me after I had called discover bank..
Company Response:
State: CT
Zip: 06484
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: On XX/XX/XXXX I realized I needed to replace my car. It was suggested I investigate using some equity in my home to finance the car. I am a Senior Citizen, retired and do not have much banking and loan knowledge. I used the Internet and found many companies offering home equity loans. I clicked on Discover XXXX XXXX trying to find out what the interest rates were. I feel that I was tricked by this company. I entered information that the page requested. I simply wanted to see the interest rates. Discover Home Loans did a Hard Credit Inquiry on me without my permission. Their webpage does not disclose that not only are they doing a hard Credit Inquiry but they take any information request as an Application for credit! Then I got an email from Discover Home Loans saying they were working on " my application '' and I NEVER applied for anything. I also received an application package in the mail. It seems that requesting information to Discover Home Loans is some sort of Contract of Adhesion in their minds. I was shocked when I got an immediate Alert from XXXX. I called XXXX and was told I needed to call Discover Home Loans to get that Hard Credit Inquiry removed. I did that and was treated rudely by 2 different employees of Discover Home Loans and was told they refused to remove the Hard Credit Inquiry. I called them and emailed them and said I NEVER applied for a loan and I was not going to apply. I contacted the XXXX XXXX XXXX and received a response from Discover Home Loans denying my request to remove this Hard Credit Inquiry. XXXX will not allow disputes over Hard Credit Inquiries and has not responded to my complaint with the XXXX XXXX XXXX. Discover Home Loans took advantage of my simply researching rates and now my Credit Score is impacted. I need your help, please.
Company Response:
State: FL
Zip: 344XX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I sent complaint several times to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. . Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I went to.apply for a card and it ran multiple times XXXX XXXX
Company Response:
State: CO
Zip: 80011
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
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: On XX/XX/XXXX, we paid {$610.00} for a sailboat charter with XXXX of XXXX XXXX that we were taking during a trip in XXXX of XXXX in Florida. That trip never happened due to COVID. At the time, the company said they were really struggling due to all the cancelations and gave us a voucher to come back again. We were hopeful that we could make it, but when it became obvious that we simply would not make it back to Florida, and that we really needed that money back, I emailed the company to ask for a refund. The owner emailed me back and said " I will get with XXXX and see what we can work out. '' This was the last I heard from him. He did not reply to any emails through XXXX, regular email, and never answered the phone when I called. I filed a dispute with Discover on XX/XX/XXXX. They reversed the charge while they investigated. On XX/XX/XXXX, they closed my case and did not honor the dispute. I recieved an email saying : We've investigated your disputed transaction and have considered all documentation available to us. We were unable to settle the matter in your favor and now consider the charge to be valid. This means we've closed our investigation, we will reverse the temporary credit on your account, and we'll apply the charge to your statement. When I called to ask why they did not find in favor of me, they said the company did not respond to their request for documents and for their side of the case. They did not answer any calls or respond in any way. It seems that a company simply just has to not respond and Discover will find in their favor. I have been a Discover customer since XXXX over 20 years. There was no consideration for me at all, they just said that since the company did not respond, they can not find in my favor. I understand it needs to be a process, but this does not seem fair. I am the owner of a small business and sometimes we get credit card disputes, but we always have to respond. There needs to be some protection for the consumer and the business. Please see attached numerous emails sent to XXXXXXXX XXXX XXXX XXXX with no response. I know they are still operating as I can see this on XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a XXXX XXXX XXXX from XXXX on XX/XX/2022. I went through their online application that asked myriad questions regarding the property and primary mortgage was automatically found and pulled into the application. I read the disclosures prior to authorizing a hard inquiry of my credit report. The home equity loan was automatically approved for {$200000.00}. However on XX/XX/2022, I find that Discover will not issue the XXXX XXXX loan for single family homes on more than 20 acres or manufactured home ( even though converted to real property with the State of Nevada ). I talked to Discover Home loan representative and supervisor at Discover. The supervisor ran me through their website where, after 6 pages of drilling through various web pages not referenced in the online loan application, the following statement was seen : You can apply for a home loan from Discover using a home you own and live in as your primary residence. This residence must be a single family dwelling. Eligible property types include single-family homes, condominiums, townhomes, and Planned Unit Developments ( PUDs ). Other properties, such as investment properties, manufactured homes, commercial properties, log homes, trusts, and properties larger than 20 acres are not eligible at this time. At no point in the online application was this information prominently referenced nor the applicant directed to view, nor was this information displayed in their disclosure available prior to authorizing a hard inquiry for credit report. Discover obtained my consent to perform a hard credit inquiry where there was no possibility they were ever going to issue the XXXX XXXX loan. Discover.com home equity loan representative and supervisor refused to remove their hard inquiry from my credit report after leading me to believe, as a reasonable user of their online application process, that they would issue a loan if I passed their credit profile test which required consent to a hard credit report inquiry. If Discover had disclosed in their normal application process that manufactured or large acreage was not eligible, or if the application itself had questions relating to whether it was a manufactured home or property was larger than 20 acres, either the loan application process could have been cancelled by either discover or myself without having a hard inquiry reported on my credit bureau account.
Company Response:
State: NV
Zip: 895XX
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX XXXX 2021, there is a hard inquiry made by Discover Financial Services. I have contacted the company with the number provided on my credit report. The company has told me that they have no information regarding that date or that someone used my information to take a loan out/credit card. I called XXXX to see if I can take the hard inquiry out. XXXX said have to make a report with the Federal trade commission.
Company Response:
State: CA
Zip: 90023
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A