Date Received: 2022-07-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have submitted my remittance coupon to the credit card company according to UCC 3-603, Tender of Payment, and they have refused it and have not returned the coupon to me either which would mean that the coupon was accepted by them and the debt is now XXXX and I should have access to use my credit card. This is discrimination toward me.
Company Response:
State: IL
Zip: 61604
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: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Someone opened an online savings account in my name with my address and social security number with Discover Bank. I need protection.Please advise
Company Response:
State: OH
Zip: 44146
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 an account
Subissue: Company closed your account
Consumer Complaint: XX/XX/XXXX opened the account XX/XX/XXXX deposited {$400.00} money order from XXXX. XX/XX/XXXX deposited ACH for {$300.00} from another bank. XX/XX/XXXX deposited a {$13000.00}. cashier check from XXXX XXXX Bank. Once the {$13000.00} check finally clear the bank, the bank informed me the account was suspended for an unknown reason. After a number of days Discover fraud department informed me that the account was closed again for an unknown reason. I don't have the closing date. They told me the funds will be returned with in 60 to 90 days. I have attempted to call the Discover fraud department but they state the hold time is 3 hours. I called this morning, XX/XX/XXXX, XXXX and was told the wait time would be 30 minutes. I could only wait 1 hour and 30 minutes. The fraud department stated on the phone they are open 2 hours a day. I call last night at about XXXX PM but they said they were closed. The account was only opened for one month. I guess the bank can not large deposits. No wonder they were fined billions of dollars ago, probably due to how they treat their customer.
Company Response:
State: AL
Zip: 362XX
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I got an email on XX/XX/2022 from Discover Bank saying that my account was locked ( no reason was given except " unusual activity '' ). I was asked to call a specific number so I called and I stayed on hold for 1.5 hours with one, then I tried 2 other times ( I called two other phone numbers ) and got connected with 2 account specialists ( one 's name was XXXX, the other was a man ). They said that they can't see what happened to my account and I would have to call the security specialists but the wait times for calls to those specialists are over 3 hours. I have already spent hours on hold and do not have, and will never have, the time to stay on hold for another 3 hours.
Company Response:
State: CA
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a high interest online savings account with Discover Bank. On XX/XX/XXXX, Discover " froze '' my account, denying me access to any account information and more importantly, freezing my funds. I have been trying for over a week to communicate with Discover Bank, to no avail. They have no email address, and when I call, wait times have consistently been greater than two hours. Worse, when on a few occasions I have finally gotten through to a human, I am told that they can not help me. I am then transferred to a dead line, or put back in the 2 hour cue. I am in the process of buying a home and it is time sensitive that I have access to printing my account statements, and access to my funds. I have used the app, using biometrics to log on, from my personal cell phone, and still am locked out. Discover Bank 's only attempt to reach me has been a mailed letter, again instructing me to call the phone number, that has no answer. My funds have been made unavailable to me, held by this bank, without any explanation or path to resolve the problem.
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
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 purchased a custom-made doll from XXXX on XX/XX/XXXX, which had a delivery time of 4-6 months. At first, the seller kept in contact with me, but after the shipping time passed, she did not respond to my messages. After a couple of weeks of no response, I checked on the seller and saw that she had negative reviews that were similar to my issue. Additionally, her XXXX account was closed! I contacted XXXX immediately, but rather than help, they told me that I was a few days past their " guarantee '' and so they would not refund me the {$600.00} I was charged by the scam seller. I immediately contacted Discover, since I made the purchase on my Discover Card. This was XX/XX/XXXX. The Discover representative said they would let me know if they needed any documentation from me ; I NEVER received a request for documentation! On XX/XX/XXXX, Discover ruled in XXXX 's favor - I immediately checked to see their justification, and there are no details. I called Discover and they informed me I could still submit documentation, which I did. However, their decision several days later was the same. I'm honestly flabbergasted because I expect consumer protection to cover what is clearly a scam - a seller who charged hundreds of dollars for a purchase whose timeline goes past XXXX 's " guarantee, '' then closes her account when she's getting too many negative reviews... ... yet Discover will not honor its own commitment to consumer protection? I feel frustrated an upset at both XXXX and Discover- this was a purchase over {$600.00} made to a clear ( in retrospect ) scam XXXX. Yet neither will make things right.
Company Response:
State: MI
Zip: 496XX
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I entered my information through Discover 's SOFT approval online tool. They pulled a hard copy of my credit report. Text to Discover : To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XXXX, I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of on XXXX. My understanding is that this was a SOFT INQUIRY based on direct mail, per all advertising. I did not authorize a hard inquiry. Because I did not apply for credit with Discover Financial Services, I am asking that you remove this inquiry from all three of my credit profiles. If you disagree with this assessment, I am requesting an investigation into Discover Financial Service to determine who authorized it fraudulently. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if you can not prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Company Response:
State: WI
Zip: 53222
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Shortly after opening my Discover Bank account was flagged for fraud. I have been instructed on various occasionsby their customer support to speak to their security team. I have been on hold for over 3 hours on various occasions now ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), after which they disconnected the connection. I am now unable to access my account in any way. I have not been able to verify my account in person, via fax, or mail, and since their security team is not available to speak with, they are essentially holding on to my money. At this point I have no interest in maintaining any relationship with discover bank, and just want my account closed and my money returned.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Recently, I viewed my Discover credit report and found out that XXXX entered negative information about me that resulted in a XXXX point drop in my credit score. I called XXXX and informed them that their information was incorrect. I do not have an outstanding balance with XXXX and owe them nothing. They agreed and have stated that they will conduct an inquiry to try and get my credit score corrected. They said it will take two weeks. This is abslutely unacceppptable. I generally carry an XXXX plus credit score and XXXX careless mistake resulted in a dramatic drop in my good credit. Mistakes like this have real implicaations for consumers and it is wrong.
Company Response:
State: NY
Zip: 11010
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Discover Customer Advocate XXXX wrote in response to my complaint on XX/XX/XXXX For your records I have sent the last 24 months of statements. We have confirmed we are reporting the account accurately to the credit bureau reporting agencies and we are unable to honor your request to remove or alter the credit history previously reported as it is a factual representation of what occurred. Due to your continued dispute, we will report the account to the credit bureau reporting agencies as disputed until you advise Discover to remove the dispute status. The credit bureau reporting agencies that we report to are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Thank you for allowing me the opportunity to be of service. Should you have any questions or concerns, please contact me at XXXX. I am typically available XXXX, XXXX XXXX p.m. ( ET ). Sincerely, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Discover XXXX : CFPB Unable to honor request for factual information is a bunch of XXXX in respect to law this account was in good standing from XXXX until XXXX The Cares Act protected my payment history during that time frame it became delinquent In fact 15 U.S.C. Section 16 F states F ) Reporting information during XXXX pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic during the covered period. ( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; Or I interjected this part to the law Sir A PHE lasts for 90 days and must be renewed to continue ; the XXXX for XXXX has been renewed several times, most recently in XX/XX/XXXX, and is currently scheduled to expire in XXXX XXXX. The XXXX XXXX has said that it will give states a 60 day notice ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. The law hasnt terminated.!!!!!!!!! ( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. ( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off. The account was not charged off and on XX/XX/XXXX I made a payment of XXXX the account has been current since that time frame. Please sir look at the records Ive enjoyed my Discover relationship. I was recently awarded XXXX for telling my friend about your excellent customer service. Remove the 60 day late notation immediately! Thanks
Company Response:
State: MO
Zip: 64138
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A