Date Received: 2022-07-19
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I've had 6 checking/debit accounts and 2 XXXX XXXX accounts opened in my name to include 3 debit cards sent to my home over the last few months. Called banks and reported as fraud : XXXX XXXX Savings opened mid XX/XX/2022 closed XX/XX/2022 -XXXX XXXX Checking opened mid XX/XX/2022 closed XX/XX/2022 -XXXX XXXX Checking opened in late XXXX or early XX/XX/2022 closed late XXXX XXXX Debit opened not sure when opened but closed XX/XX/2022 -Discover Card Debit account not sure when opened closed closed XX/XX/2022 -Discover Card Debit account not sure when this one was opened either, closed XX/XX/2022 -XXXX XXXX XXXXXXXX Debit account opened late XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX accounts opened this year both closed XX/XX/2022
Company Response:
State: TN
Zip: 37040
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Hi my name is XXXX XXXX. I am writing to report the unfair practices of XXXX XXXX XXXX XXXX. It has been over a year since I have requested information about my Discover Account. Each time the company has asked me to write an email to a manager or to call back within a week. I was even working with a debt relief agency and XXXX never responded to them to confirm the debt or to provide details on how to resolve this issue. During the last 3 months I have called repeatedly to inquire about this debt. Each time, I am told that the account is on hold and the specialist can not discuss details of the account because they are not an attorney. I need XXXX to validate this debt in writing and give me the opportunity to pay it off. I must resolve this debt so my family can purchase a home or find housing in general. Due to this issue not being resolved, my process has been delayed and now my family and I live in a XXXX to avoid being XXXX. Please help as this has caused my family a lot of pain and stress. I am not trying to negotiate a debt. I just want to know what is owed so I can pay it in full. They dont have to negotiate with me, but they must allow me to pay the debt. This practice is u fair and unjust. The debt assistance program and loan officer are baffled by this.
Company Response:
State: MD
Zip: 21217
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: My identity was stolen. 1. I received an email notice from XXXX XXXX XXXX on XX/XX/2022, and it said, " It looks like someone viewed your credit report. '' I called to the XXXX XXXX XXXX, and they asked me if I have applied increase my credit limit and applied a XXXX Credit Card? Both two applied I didn't ask. XXXX. XX/XX/2022 I got a text said, " Your XXXX IRA verification code is : XXXX '', and then I got another text said, " Thanks for joining XXXX IRA Account & Market Alerts. Up to 4 msgs/day. Rely Help for help, Stop to end. Msg & Data Rates May Apply ''. I also got an email that asked me to confirm my email address. XXXX. XX/XX/2022 I got a mail from Discover said they are not able to provide me an offer due to Recently opened bank revolving trades. I didn't ask for increase my credit limit and apply a XXXX Credit Card. I didn't open any XXXX account. I didn't have IRA account. I didn't ask Discover any offer. I didn't open any bank revolving trades.
Company Response:
State: CA
Zip: 91007
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Numerous past CFPB complaints filed regarding missing funds from combined accounts including checking, savings, money market totaling the amount of {$140.00} from Discover Bank. As explained prior, Discover sent funds to XXXX XXXX as part of fraud claim in amount of {$690.00} several months ago in 2021. The amount does not cover claim and according to several reps in XXXX XXXX executive office, the check was not cashed, rejected back to Discover, XXXX XXXX does not accept partial payments such as this amount, {$140.00}. I attempted to explain this to XXXX with Discover Bank executive office, he claims instructions from XXXX XXXX show remaining funds in account ( XXXX ) with Discover to be sent to XXXX XXXX which does not match up with what XXXX XXXX in XXXX XXXX executive office stated, XXXX XXXX does not accept partial payments and check was rejected back to Discover, as stated prior ... XXXX stated another check could be sent, in which case, I advised it would also not cash as is the same with prior check sent.. XXXX and I talked in circles in re, I then made numerous attempts to speak with a manager in charge, numerous messages left with XXXX and XXXX, none returned... When I followed up, XXXX attempted to refer me to XXXX and or provide his number in which case, I attempted again to reach a manager by requesting one and leaving a message.. Numerous additional attempts were made to speak with a manager, additional messages left with XXXX as well... Most recently, I was able to get in touch with XXXX, a manager, unfortunately she referred me to current rep at the time handling CFPB complaint by the name of XXXX ... XXXXShe stated XXXX would reply in a few days ... Her reply stated a check in amount of {$140.00} was sent, however, it was not included in her reply.. Today, XXXX, I attempted to reach out to XXXX to confirm check sent and by which carrier either, XXXX, USPS XXXX XXXX XXXX etc XXXX I was told she is not in by XXXX, rep whom took call.. XXXX tried to imply check was expedited via XXXX in which case I advised I have no notification from XXXX showing a package or envelope from Discover Bank sent to me ... I am signed up for alerts with Fedex as well as UPS , when a package is sent or arriving, an email is sent showing me the name of shipper as well as tracking ID and expected delivery date... I've double checked and there is no package from Discover.. Needless to say, it appears information provided by XXXX is incorrect.
Company Response:
State: CT
Zip: 06320
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I received a mail notification from Discover explaining that an attempt to open a bank account in my name occured on XX/XX/XXXX. As a result, the fraudulent applicant could not verify required information, and the application was denied with an ongoing investigation. There has been several attempts within the past three to six months successfully applying for credit cards, hacking my credit websites, redirecting current credit cards, email, and voicemail. As a result, I have put in place a security freeze on XXXX XXXX and all three credit bureaus along with two-step verification processes.
Company Response:
State: MI
Zip: 48239
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Sent credit cards in the mail from XXXX XXXX, XXXX of XXXX, Discover, XXXX XXXX, and XXXX that I never applied for.
Company Response:
State: NM
Zip: 87120
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Several months ago I FROZE MY ACCOUNT wih Discover by clicking the link that says " Freeze Account ''. However, Discover, apparently has created a new definition for freezing an account as they have continued to allow merchants to charge my account for services that I want to move to my other credit cards. Discover has a bad habit of advertising an image of being customer centric and customer friendly, yet makes moves that work for them. This is called " False Advertising '' and they are guilty of it in many areas of their business. They have allowed charges from XXXX XXXX for XXXX and XXXX for XXXX these are not authorized on my Discover Card. They show a current balance of XXXX. Please provide Discover Card with the " Adult Supervision '' that they so desparately need and have these two charges canceled and remit a check to me for XXXX. I also ask that you educate Discover Card on what " Freeze My Account '' means.
Company Response:
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I, as a federally protected consumer, have reached out to Discover Student Loans via certified mail requesting information in which I have yet to receive neither a response nor the information in which I requested. The certified mail is posted as received on XX/XX/20XXXX XXXX XXXX XXXX.
Company Response:
State: NJ
Zip: 08021
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX my wife, who is a joint account holder on all my Discover Bank accounts, called Discover Bank to activate a new debit card, at which point she was informed that of all our accounts at Discover Bank had been closed ( this includes two joint savings and two joint checking accounts. We have no credit card accounts with Discover Bank, and owe them no money ). My wife asked to speak to a supervisor who informed her that our funds would be sent via check within 60 days. The supervisor informed her there was no indication of any illegal activity or fraud. The supervisor would not explain why the accounts were closed without notice. The supervisor stated that we would not be able to transfer our funds to another bank and that we would have to wait for a check to be issued. We called Discover Bank again to expedite the payment due to financial difficulties we were facing, and the Discover representative stated that a check would be sent to us on XX/XX/XXXX. When we called on XX/XX/XXXX to confirm that the check had been sent, we were informed that the check had not been sent. We again asked to speak with a supervisor who informed us that there was no legal issue and that they would get the check expeditated within 2 weeks, and that a check for {$11000.00} would be sent by XX/XX/XXXX. When we again called to confirm whether the check had been sent, Discover Bank informed us that the check would be sent shortly after XX/XX/XXXX. When no check arrived in the first 2 weeks of XX/XX/XXXX, we attempted to follow up with Discover on XX/XX/XXXX and were told that a representative from Discover bank would reach out to us on XX/XX/XXXX. The agent informed my wife on XX/XX/XXXX that the check should be mailed out on XX/XX/XXXX. When I called Discover Bank later on XX/XX/XXXX to confirm that this was indeed the case, the representative, whose name is XXXX, informed me that the earliest we could expect the check was XX/XX/XXXX because checks would only be mailed out 60 business days after the last deposit was made to our accounts she informed me that the final deposit date was XX/XX/XXXX. I asked to speak with a supervisor and was informed after an hourlong hold that no supervisor was available. I asked to have a supervisor call me to explain the continued misinformation and to confirm when our funds would be sent. The representative informed me that she could not confirm the balance we are owed, nor the reason for the continued delays. Discover bank scheduled a telephone appointment for XX/XX/XXXX to speak with a supervisor. On XX/XX/XXXX, a Discover representative called to inform us that the appointment was postponed to XX/XX/XXXX between XXXX & XXXX EST. On XX/XX/XXXX a representative from Discover bank postponed the telephone appointment for the second time, giving a new date and time for XX/XX/XXXX at XXXX EST. Given the events over the past couple of months, I have no confidence in Discover Banks motivation to resolve this issue. I believe that they will continue to avoid our efforts to obtain the funds they owe us. I therefore see no option but to file a complaint.
Company Response:
State: ME
Zip: 047XX
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: In XXXX, I noticed that I had a total of {$12000.00} withdrawn from my Discover savings account ending in XXXX which is currently closed to prevent any future withdrawals. The money taken out was transferred to a XXXX account in XXXX in increments of {$4200.00} ; {$2100.00} ; {$2400.00} ; {$2300.00} ; and {$1800.00}, which I do not currently own nor have I ever opened an account, but apparently it was opened under my name and had my email and address, which I suspect the thief took my social security number as well. I called Discover to dispute it but they found that it was withdrawn from a reliable device, so they reversed the provisional credits I received and closed the dispute. But it definitely was not me and I'm not sure what device it was to even suspect who could have done it because Discover would not give me that information. I also noticed that my credit report had a hard inquiry from XXXX XXXX that I did not make so I called them and they ruled it as fraud, and I noticed another credit card account was made under my name from XXXX Card but I did not make it so I closed that account as well. I called Discover multiple times in XXXX and in late XXXX and early XXXX to recover my funds but they refused to re-open the investigation, saying I needed more supporting documents. I sent them documents showing my filed Identity Theft report, and closed accounts with the fraud credit card and loan, but they required that I file a police report otherwise they wouldn't do anything. So, XX/XX/XXXX, I filed a police report and sent Discover the report but after calling them on XX/XX/XXXX, they said that they can not do anything without knowing that the XXXX account was closed. I can not contact XXXX without the account number, but because I did not open the account, I do not have that information which I have explained each time given that this is an identity theft issue so I did not make that account. So both Discover and XXXX are asking that law enforcement send a subpoena to them to obtain that information. Discover said to call this number for instructions on how to submit the subpoena to them : ( XXXX ) XXXX and XXXX 's email says to fax it to ( XXXX ) XXXX. Another police officer/detective picked up my case and said they do not send subpoenas but can only do warrants, however the detective said they have no time estimate of when they can get that as they are understaffed and it seemed like she would not get a warrant for a few months. The detective told me that even if I get a warrant for the account number, I would not be able to see it so it's not even guaranteed that I would get my money back so Discover should re-open the case regardless and that I should push back on them, but Discover has not been compliant. It seems like the only thing Discover needs is the XXXX 's account number which Discover themselves has access to, so why should I even have to obtain it? If they truly valued their customers, they should work harder to protect fraud and theft cases like this, and they should work with XXXX to identify the fraud since they have the account number anyway. Obviously the account will have my name because it's an identity theft issue, so they shouldn't close the dispute as quick as that. An unauthorized transaction of almost XXXX XXXX dollars has been made -- this issue should be escalated.
Company Response:
State: CA
Zip: 943XX
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A