Date Received: 2022-07-22
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Discover Card, Back on or about XX/XX/XXXX, I made a payment arrangement over the telephone with Discover Card 's customer service to payoff my debt. I was instructed to pay {$620.00} to pay off my debt. I agreed to pay {$310.00} x XXXX = {$620.00} on or before XX/XX/XXXX. I made the first payment received by Discover Card on XX/XX/XXXX. The second payment was received on XX/XX/XXXX. Since XX/XX/XXXX, Discover Card refuses to send me a Debt Collection letter affirming my debt is paid in full. My debt remains open to all three credit bureaus. On XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, The Executive Office at XXXX refuses to send me a Debt Collection Close Out letter so I can have XXXX XXXX XXXX advocate on my behalf to have this debt declared CLOSED and PAID IN FULL. At various times on XX/XX/XXXX, and XX/XX/XXXX, I have been told by unsuspecting Customer Service Reps that my original payment plan " is not in their system. '' Meaning, they have no notes written in their database regarding my agreement I made on XX/XX/XXXX. On XX/XX/XXXX, I " audio recorded '' a Service Rep. admitting my last two payments received on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX when a male, service rep, " XXXX, '' who works at the Executive Branch Office attempted to feign no ignorance of my original payment plan, I told him I audio recorded my earlier conversations proving my payments were received. Discover Card does not send payment receipt records to their former customers. Instead, I got a letter showing my outstanding balance. This is how Discover Card reneges on their Final Debt Arrangements and Promises in order to circumvent the law. Discover Financial Services , Inc. and Discover Card are CORRUPT!!!!!!! They have a pending federal lawsuit filed by me. This is adding to my frustrations. They are in violation of NYS Fair Debt Collection Act. NYS and the Federal Fair Credit Reporting Act. I DEMAND my Close Out, Debt paid in full letter ASAP!!!! XXXX XXXX.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
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 I received a call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX they introduced themselves as working with XXXX XXXXXXXX XXXX XXXXXXXX XXXX which I am a member of, with covid & lockdowns this deal sounded like a good opportunity for a getaway once the world opened up again. I made the purchase, but when I received an email with a brochure and started looking at the different cruise lines and what was offered, it was clear the sales person lied about what was available as far as cabin suites for a family of XXXX. The company was closed by the time I was able to consult with my family members and decide this wasn't going to work for us. so I had to call to cancel the next day. On XXXX I called My XXXX XXXX to cancel, the person I spoke to was XXXX XXXX who tried to convince me to keep the package, but I was adamant that it wasn't going to work for us because the only itinerary we were interested in was XXXX and none of the cruise lines that offered that route had cabin accommodations that would fit XXXX adults comfortably without using a rollaway bed or wall berths. I was advised by XXXX XXXX that he would put in the cancellation and I would see a credit within 3 days. On XX/XX/XXXX I called XXXX XXXX XXXX because there was no credit to my account and no confirmation of the cancelation in my email. When they pulled up the account information and I asked about the cancellation status I was told there was no cancelation request put in and I needed to contact my credit card company. I immediately called Discover Credit card fraud division to dispute the charge and advised them of what happened and the dispute was opened. I didn't receive any correspondence from Discover regarding my dispute until XXXX of XXXX with a denial of the dispute. Immediately called Discover to see what happened and the advised that the seller provided them with information needed to validate the transaction. I questioned what information they received and they stated it was signed documents. I did not sign any documents for that company. They forged my signature on their forms and sent them to Discover and also stated that I never tried to contact them after XX/XX/XXXX, conveniently that's the date they fraudulently claim that the cancelation form was signed. I provided Discover with phone records and an email that disprove the seller 's claim. I requested for Discover to email me a copy of the paperwork they received from the seller, they advised they could not email, but they could mail the documents to me. Once I received the documents I went through them and saw that the seller forged my signature on a cancelation document that says they need cancelation done in writing. I also realized that the dispute claim was submitted incorrectly by the Discover representative that I made the initial report with on XX/XX/XXXX. The dispute was entered as a " quality of goods and services '' dispute and not a cancellation as a result of suspected fraud. I received no services or goods from the seller so, I'm not sure why it was submitted that way. In XXXX of XXXX Discover advised me that I needed documentation from the seller stating they were willing to give me a credit in order for them to credit my account. I have not been able to reach the seller since XXXX of XXXX. I don't know if they blocked my number or what has happened, but when I call any of their phone numbers the call doesn't go through. I submitted to Discover a copy of the Florida statute regarding cancelation of vacation packages that gives the buyer up to XXXX to cancel without reason. Discover reiterated that they needed correspondence from the seller stating they approve the credit which I am unable to reach anyone there. Discover also provided me with a different phone number for the seller and that phone number ( XXXX ) goes to an automated voice and then after pressing prompts I'm on hold for a little over XXXX minutes, then the call disconnects. I tried this XXXX different times with the exact same results, I'm unable to speak with anyone no matter which prompt I select. Discover has told me that unless I get something in writing from the seller that they will cancel the package, there is nothing they can do for me. Which makes no sense. I cancelled with the seller within XXXX hours of purchase, I disputed the charge with Discover 5 days after purchase because the seller refused to cancel the package. I sent an email on XX/XX/XXXX to the seller upset about the situation, with no response. I received no goods or services from the seller. I thought I did everything needed in order to resolve this because Discover never told me that I needed correspondence from the seller stating they were willing to cancel the package prior to XX/XX/XXXX, AFTER they denied the dispute.
Company Response:
State: FL
Zip: 33351
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: on XX/XX/XXXX I got an email- sender name is a friend,. it asks me to do a favor and go to XXXX, buy 2 gift cards of {$200.00} each, scratch off code in back, take a picture and send it to her. I did that. had to go back to store and get replacement card since I scratched it too hard. did that on XX/XX/XXXX and sent her replacement card. On XX/XX/XXXX i got another email from her asking me to get 3 more cards of {$200.00} each. fool that I am I did it and sent 3 more cards. since she is an older lady and involved in many charities I assumed that this was something like that. Today XX/XX/XXXX I got another email from her asking me to get 5 more cards. finally got suspicious, called her and she told me She was not the sender. Called Discover card and was told that the latest charge of {$600.00} was pending and they could not do anything until XXXX put this item in dispute. 2 hours after I am now told that the charge was paid. and that they could do nothing. BOTH XXXX AND DISCOVER HAVE DONE NOTHING!!
Company Response:
State: CA
Zip: 90803
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
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: Back in XXXX of XXXX, I was a victim of credit card fraud and identity theft. I filed a police report and everything. The person had stolen my social security and was able to log into all of my online bankings and change my passwords and apply for cards in my name that I didnt even know existed. I am XXXX and Discover gave me the run around. I had to get my mom involved with XXXX before they finally refunded me and froze my account like i had asked. But I did not involve my mom with the discover, as she was busy and so was I. I am a XXXX XXXX XXXX XXXX and I was working full time and also have a XXXX XXXX XXXX XXXX before I was XXXX. I had called discover multiple times while in school, while trying to study and complete my schoolwork, trying to get it resolved. They opened an investigation and cleared some of the dispute in my favor. However there were ATM withdrawals from my discover card, and I had never made atm withdrawals from my card so I reported it immediately. I dont even think they helped me to freeze my account initially and didnt believe that someone had hacked into my online banking. At this point I wasnt even able to log in to verify myself!!! I couldnt even verify myself because of what the fraudster had done. When asked for proof that It was me who had done the withdrawals they just said the investigation said it was me. They didnt send me anything in the mail about the results of the investigation. And to this day are calling my mom, my dad, after I had blocked them because they kept calling me and would not resolve my issue saying i had to pay them back. Whenever on the phone with them I would get transfered to person after person after person. And no one could tell me why I was directly responsible. I contacted an attorney general and know my rights under FCBA and if they dont resolve this case I will press further. I know that I could be entitled to them refunding the money and possibly even double for all the time that they have given me the run around. I will never own a discover card again. Some of the people I spoke to on the phone were very rude and not respectful at all.
Company Response:
State: OH
Zip: 44281
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I applied for a secure card for Discover, I made a deposit of {$200.00} and after a long time I received my card. I unlocked it and tried to use it, but I was not able to do so, because they put my account in a credit bureau fraud alert ( I have no idea why they did that ). Then I called them, tried all possible ways to use the card but without success. But after that, due to this difficult to use a simple credit card I asked them to close the account and refund my money on XX/XX/XXXX. Since then, I'm trying to talk to them by message, because I can't talk to then using the phone, but they never give me an answer about when my refund will be issued. All that I want is my money back and they never give me the information when they will do that and how this will be made.
Company Response:
State: AL
Zip: 35216
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The is an inquiry on my credit from Discover Home Loans that I did not apply for or authorize.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Multiple credit cards lost and used. Discover unable to find sufficient evidence and/or request specific evidence from merchants. Multiple calls to both discover and merchants made to attempt to resolve all fraudulent charges made in the XXXX Florida area. No identification presented to any merchants including hotel and water sports rental was requested from discover. No surveillance at any location. Name at check in was not mine. Email address and phone number used to make purchases also not mine. XXXX XXXX XXXX XXXX FLMerchandise {$2400.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX TXMerchandise {$90.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX TXMerchandise {$90.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL Merchandise {$170.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX NJMerchandise {$13.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX XXXXFLMerchandise {$5.00} SECURITY DISPUTE ADJUSTMENT 0XXXX XXXX XXXX XXXX XXXX FLMerchandise {$160.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX XXXX FLMerchandise {$130.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX FLMerchandise {$33.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX FLMerchandise {$510.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX XXXX XXXX FLMerchandise {$11.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX NYMerchandise {$300.00} SECURITY DISPUTE ADJUSTMENT
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
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 have reached out to Discover more than 10 times, both by phone with representatives and in writing to request an adjustment to a recorded late payment in XX/XX/2021. Clearly I do understand they can not, by the Fair Credit Reporting Act, remove this one and only delinquency, but they are not obligated by law to report it. Im not asking it be removed from their records, only that it be adjusted with the credit bureaus, as this late is the only late and occurred while I was with XXXX and seriously XXXX. As a result of this reporting, Im unable to qualify for homeownership and as it affects my credit so steeply it prevents me from even attaining adequate XXXX In this economic climate I do not feel it is a totally unreasonable to request and a certain level of compassion to be considered as most large companies have made strides to have some empathy for their clients.
Company Response:
State: AZ
Zip: 85282
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello, I received an email from XXXX that inquiries were made on my credit to XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, and XXXX XXXX. I did not try to open any of these accounts. I also received a message that a Discover card was opened in my account. I contacted Discover and they were able to close that account. They notified me that the person that opened a card on my account lives at XXXX XXXX XXXX XXXX, CT and their phone number is XXXX. There are multiple accounts that someone has tried to open on my account. I also received notification that there are two phones purchased and two phone lines opened in my name under my XXXX account and I do not have these phone lines or these phones. These were opened in fraud and I spoke to someone regarding this at XXXX and nothing has been done
Company Response:
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Locked out of newly opened savings account : on XXXX I applied to Discover, via website, for an online savings account, completing all requested information & signing required forms. Once it was submitted, I immediately received a confirmation with account # and a list of the documents I had signed. I logged on 10 minutes later, to add an external account, I was then knocked out of the system ; I logged back in & message appeared " account is locked, call XXXX. '' On XXXX, XXXX, I spoke to CS rep XXXX XXXX XXXX at above #, she couldn't help. At XXXX I spoke to XXXX XXXX XXXX XXXX XXXX who spent 40 minutes with me trying to figure out the cause of lockout, & finally found that the acct had gone to the bank fraud unit???, and gave me phone # 's XXXX and XXXX to call & apologized for not being able to help. For ( 3 ) days straight I called each of the numbers, never got through, and each had waiting times from 1 hr - 3hrs! I never received a letter or email notifying me of the reason for the lockout. I've lived in New York all my life, XXXX XXXX, all my credit & personal info is readily verifiable. In looking for a new online savings account, I read a reviewer 's remarks- don't remember bank - who experienced what I'm going through and I thought how crazy is that? Something is very wrong with the identification systems if it can not easily identify readily available personal & credit info of an applicant!
Company Response:
State: NY
Zip: 12601
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A