Date Received: 2022-07-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have a Discover credit card originally opened in XXXX in which I have a {$15000.00} credit limit and have used my limit. My current annual income which has remained the same over the past couple of years is around {$50000.00} - {$55000.00} I tried to contact Discover as I am currently going through financial hardship to see if we can settle on a lower balance as I feel Discover should have never approved me for such a high credit limit based on my income, it was only so they can charge me a lot of interest. I have other credit cards through XXXX, XXXX, XXXX bank, XXXX these lenders have given me credit limits from {$1500.00} to at most {$4000.00}. All the credit issuers use the same criteria such as income and cost of housing so I don't understand why Discover approved me for such a high credit limit which I now find difficult to pay and get out of debt. I believe it was so they could charge me a lot of interest.Back in XX/XX/XXXX Discover raised my credit limit from {$13000.00} to {$15000.00} without me requesting it and also approved me for another Discover credit card in XX/XX/XXXX with a {$4000.00} credit limit. I assume responsiblity as a customer, all that Discover offered me was to lower my interest rate on my credit card to 9.99 %. I feel that based on my income of {$50000.00} - {$55000.00} Discover should have never approved me for a credit line of {$15000.00}. The interest rate being so high has led to all my payments going to towards the monthly interest that ranged in {$250.00} range, making it impossible to pay my balance down. I have been a good customer never making late payments, always at least paying minimum, I believe that offering me a high credit limit was not done for my benefit but theirs, as they knew my income had stayed the same, but increasing my limit throughout the years without me asking them to and charging me a high interest rate, ensures they can make the most money off of me as possible.
Company Response:
State: NY
Zip: 14534
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED IDENTITY THEFT REPORT # XXXX and documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: DISCOVER FINANCIAL SERVICES XXXX XXXX XX/XX/XXXX Received Email from DISCOVER FINANCIAL SERVICES, '' Thank You for your " Recent '' application for a Discover Personal Loan, Your Online submission was successful. The name " XXXX XXXX '' is " NOT '' my name. XX/XX/XXXX Email from DISCOVER FINANCIALS SERVICES Thank You " Your Uploaded of " Cash Flow '' Documents was " Successful '' We look forward to completing your loan request. XX/XX/XXXX Email From DISCOVER FINANCIAL SERVICES Your application is close to being completed, we need a few verification documents. XX/XX/XXXX Email from DISCOVER FINANCIAL SERVICES We have Great News We have verified all of the information provided and your loan is now ready to accept. Each letter has more content within the letter. Showing an Application Ref Number and DISCOVER phone numbers. I proceeded to contact DISCOVER on Two Occasions, with " No Explanation '' .or Understanding '' Who is XXXX XXXX XXXX and how is she connected to my Email Address,? I proceeded to do a " People Search '' and There is a XXXX XXXX listed. I went no further. It seems I have had difficulties with my DISCOVER account in the past which is now closed and went to a Debt Collector. When I access my XXXX Credit Reports it shows , `` No Payment Activity " /Account not found. How can this be? CHARGE-OFF '' Settled for less than the Full Amount. Closed XX/XX/XXXX. I never " Settled '' So I don't understand. Starting XX/XX/XXXX I would receive in Email From DISCOVER CARD-ALERT-SSN-INQUIRY AND NEW ACCOUNT Received Four : XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX. I called DISCOVER No Explanation.!!! My determination. The Alert is referring to my SSN, INQUIRY, NEW ACCOUNT I know nothing about a New Account.and There is nothing New added to my Credit reports.There 's more, To much to send
Company Response:
State: CA
Zip: 95687
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened a CASHBACK DEBIT debit/checking account with Discover on Thu, XX/XX/XXXX. Since then my account was locked 2 times within 24 hours for no apparent reason. I called their support team to try to resolve. The first person I was able to talk to confirmed that my account was locked but could not give me the reason why and said they would have to forward me to another group. I waited over two hours on hold before the call was disconnected. I finally got a hold of someone and they where able to unlock my account. I then went to my account and put in the details to connect my XXXX XXXX Checking/Debit account so I could transfer money out of my discover account. ( I had deposited a check when I opened the account ). As soon as I did this my account got locked once again. I spent the next two days trying to resolve this issue and wasted 10 hours in total waiting on hold. I would get to 2 to 3 hours on hold before the call dropped. On Monday, XX/XX/XXXX, I was finally able to get a hold of someone and they where able to unlock my account and did not need to forward me to another group. I asked them to stay on the line while i tried to add my XXXX XXXX account. As soon as I did that the account locked again. They unlocked it again and again it locked after I put in my XXXX XXXX details. They then figured out that Discover does not accept XXXX XXXX as an account to transfer money to. Instead of having a message pop up telling me that, the system is designed to lock me out and require me to waste days of time on hold. This is a serious design flaw and on top of that the wait times to get it fixed are unacceptably long. Once I got my account open and my check deposited successfully, I initiated a transfer to my XXXX XXXX XXXXXXXX checking account. Today XX/XX/XXXX I got a message that my account has been locked due to suspected fraudulent activity. Back on the calls I was able to beg someone to let me talk to their supervisor instead of putting me back in the 3+ hour long queue. The manager was able to get me on a special list where the correct team would call me directly within 2 to 3 business days. This is a totally unacceptable length of time to get your account unlocked. My check is now frozen in transit and will not hit my XXXX XXXX XXXX account until this is resolved. I'm at my wits end and don't know how many more hours I will have to waste trying to get my money out.
Company Response:
State: CO
Zip: 80123
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
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: The name of my XXXX is XXXX XXXX XXXX XXXX We are a XXXX accepting credit cards as a form of payment for merchandise purchased from our store at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX We are not the cardholder in this case, but the merchant that was paid by a Discover card holder for a XXXX watch that was purchased on XX/XX/2022. In XXXX 2022, we have received a debit from our checking account concerning a dispute raised on a Discover card transaction that was paid to our business. The amount of the debit was for {$3300.00}. The dispute was without merit as this was a card present transaction using the CHIP at our card terminal and the cardholder took possession of the XXXX at the point of sale. We provided all documentation to Discover, and while Discover closed one dispute in our favor, on the other, they credited the cardholder without merit. Sometime in late XXXX, I think it was on the XXXX, we met the cardholder in our store and actually contacted Discover by phone in front of us to confirm that he transaction was valid and that the dispute should be canceled. After the customer spoke to Discover, the customer handed over the phone to me and the Discover agent confirmed to me that Discover will submit the case for correction and that I should expect a credit to my checking account shortly thereafter. The Discover agent also provided me a case # XXXX. However, it has been over 2 months since that promise of credit and my account has still not been credited for this invalid debit. When I contacted the customer, the customer screams that he informed Discover to return the funds to me and that hes not going to pay twice after he already paid Discover. Please look in to this matter as it appears Discover is holding my money after failing to return my money to me. In any event, this dispute was without merit and Discover has debited our account and credited the cardholder without any valid legal basis.
Company Response:
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
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 filed a dispute with Discover card, they did their investigation and I do not agree with all of the results from their investigation. I'm not requesting money or claiming any type of monetary refund. I'm requesting a more accurate accounting of what really happened. According to their investigation an account was opened in my name in 2008. I agree. It also states, " information was verified as your information and Discovered opened an account. '' Well, this is totally questionable. What information? My name? My social security number? Because the address was not mine, the phone number was not mine, the email was not mine, I asked to see my signature and they couldn't produce anything. What kind of verification system does Discover have anyway? So the statement that they verified my information is a half truth. They claim that " the card and several additional mailings were mailed in your name to your valid address over the life of the account '', exactly when? I didn't know about the existence of the card until I got a Court order to access my wife 's business po box . Nothing came to my home. Once I contacted Discover about the invoices found in her po box is when Discover started contacting myself directly at my phone number, my email and my home address. I feel Discover is mistaken and what they feel their findings reveal is not correctly interpreted. Double check your findings to make sure it is my address not my wife 's business address, email and cel number. Bottomline, my credit was issued to someone else without my knowledge. Whether I benefited or not is not the question. To that question, I paid the debt in full. The issue was ... the issuing of this credit without my knowledge cause problems at the time of my wife 's death due to probate and other circumstances, I had difficulty paying this debt I had no prior knowledge of. But despite all this, I did pay off the debt. I was trying to figure out how to pay it and it took some time. Discover is just as guilty of causing this confusion as is my late wife. I'm the only one not guilty of anything. Yet I seem to be the only one being punished. The problem is not whether I paid or not, the problem is I didn't pay on time and what was the cause of delay. The cause of delay was not my fault. I should not be penalized for this. Discover was a participant in the reason for the delay. That is all I'm saying and the report should reflect this. I think Discover should reconsider their stance considering that I'm not requesting anything monetary. I'm not sure why the letter is listing refunds, I didn't ask for may money. I just do not want a blemish on my Credit history which I do not feel I deserve. I feel under the circumstances I took care of my credit obligation even though I wasn't fully convinced that the debt was mine. Technically the courts allowed me to pay from my wife 's estate after reviewing my situation. I don't understand why Discover can not understand what the XXXX XXXX court system understood. Anyway, this is a matter of principle. I will take legal action if necessary. If that happens I will be looking for monetary gain. If Discover actually has proof, my signature or proof of mailing invoices to my home address for the life of the account, or emails to my email address, etc... instead of claiming to have these records, how about showing it to all of us? Please understand, I had to dig deep into my wife 's finances and personal data to find the Discover Debt. Once found I contacted Discover promptly to figure out what it was and how to resolve the situation to the benefit of both parties. If Discover 's claim is correct and it was being sent to me, I wouldn't. have had to dig for it. I'm not above apologizing if I'm wrong. There is a chance I could be mistaken but so far, I don't see how. But showing us the record of what Discover claims to have would finish this dispute promptly. Unless I see something substantial, I'll not be going away.
Company Response:
State: CA
Zip: 90503
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: Identity theft 15 USC1681b- Conditions for furnishing and using consumer reports for employment purposes With no permissible purpose. Meaning they didnt get my written consent to furnish anything on my account. I didnt give written instruction. Without permissible purpose = identity theft
Company Response:
State: TX
Zip: 77022
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In XXXX, XXXX XXXX XXXX XXXX XXXX, the XXXX woman XXXX : XXXX XXXX has sent multiple negotiable instruments monthly to Discover Card Services to settle the full balance and to reopen my credit card account of the created debt and have never received a reply, which was required, neither received any of the instruments back which means that the account is satisfied in full per UCC 3-603. In XX/XX/2022 I also sent an affidavit to Discover in which it was not rebutted point-by-point as they never responded. With my XX/XX/2022 remittance coupon, I've sent a notice to Discover informing them that according to USC 1693o-1 Remittance transfer, the purpose of this law is to accept my remittance slip as payment for this XXXX bill statment. According to 12 CFR 1026a Billing Error Resolution, by law, creditors ( Discover ) can not pursue adverse action against me ( by shutting off and or closing the credit card account ) 15 US Code 1666 correction billing errors. I also informed them that failure to comply by not accepting my payment will result in further legal action. In additional, Discover has also charged me an interest fee of {$130.00} and decreased my credit card limit as the account was orginally opened with a beginning balance of {$15000.00}. Discover has rejected my remittance coupons for XXXX, XXXX and XXXX which is fraud and discrimination. Discover has also failed to uphold their relationship as the trustee to the trust and have not acted in the best interest of the beneficiary ( me ) which is considered fraud and discrimination. Discover also refused to accept my Negotiable Instruments as payment but never returned any of the three negotiable instruments sent via certified mail, therefore, that is acceptance for value per UCC 3-603. The payments have been made in full three times and they have refused to place a {$0.00} balance on the ledger paid by the XXXX and reopen my account as active. Lastly, since they fall under the UCC laws and accept Federal Reserve Notes, Checks and Money Orders, they also are supposed to accept my Remittance Coupon as an instrument of payment too according to UCC 3-603. Discover has committed fraud and discrimination against me multiple times and has also closed my credit card account and reported false information on my credit report to all credit bureaus.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I am trying to reach a settlement amount on a credit card that I have had for about 4 years. During covid I lost my job and got behind on payments. I then called in XX/XX/2022 to get a settlement amount for my {$10000.00} balance. They were willing to settle at that time at {$5000.00} but I only had {$3500.00} available. They then enrolled me in a 0.99 % program where they would reduce my interest rate and set me up on a payment plan. I have been making my payments regularly so I am now down to a {$7500.00} balance. I have called discover multiple times in an attempt to settle on my account due to unforeseen circumstances. I recently got pregnant and need a home to live in and grow my family. Part of that has been an effort to clear all debt off of my credit report. After multiple attempts, discover stated that since I am enrolled in their " permanent program '' I am not eligible for a settlement amount. I was never told this before I enrolled in the program. I never signed anything to enroll in the program. It was a verbal agreement which I would not have made if all terms and conditions were disclosed to me including the fact that I would not be eligible to come to a settlement while enrolled. I have left multiple complaints with phone representatives and it has gone no where. I even had a representative say to me " I can submit a complain for you but they're probably not even going to answer it or do anything for you ''. I would like to come to a reasonable settlement amount with discover financial to remove this debt off my credit report as soon as possible.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX, Discover Financial, XXXX XXXX XXXX XXXX XXXX XXXX, & XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Company Response:
State: NC
Zip: 28348
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A