Date Received: 2023-12-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to express my concern and submit a complaint to DISCOVER BANK regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable account. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, DISCOVER BANK will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.
Company Response:
State: GA
Zip: 30329
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I was trying to make payment to XXXX for a rental in the amount of {$10000.00}, and the transaction was declined initially on XX/XX/2023. Because I had terrible customer service experiences with this before, with another large purchase, I knew to call them immediately and ask for a daily spend limit increase. I was on the phone for 10 minutes verifying my information and getting them to increase the limit, they got off the phone and said try again in 5-10 minutes. I waited, and it didn't work. Agitated, I waited until the next day XX/XX/2023 before calling them again stating to the person that I'm not sure if you are familiar with the intricacies of doing a spending limit increase but please get me to someone who can increase it. A 29 minute phone call happened, and the transaction was still declined. I called them again with another 33 minute phone call and the transaction was still declined for " insufficient funds ''. I had even asked the representative jokingly if they had my $ XXXX liquid and was reassured that the bank is fine. I have now missed the rental due date for payment, and the rental transaction has been cancelled. This is not the first time I have had issues with this having to call them multiple times to get a few thousand dollars from my account.
Company Response:
State: MO
Zip: 63366
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
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 had an open case with Discover because of adispute and while so, Discover was supposed to refrain from charging interest. They charged interest before a decision was made on the dispute.First concern is the interest on the account. On XXXX Discover charged me $ XXXX on a statement ending XX/XX/2023, their decision on thedispute wasn't made until XX/XX/XXXX ( that I was responsible for charges incurred while being literally held up by scammers. I was threatened to purchase gift cards & then read the numbers ) XXXX, XXXX XXXX from the executive office of Discover financial services, stated in her letter dated XX/XX/2023 that quote, " We try to detect scams and decline any potential scam transactions or alertconsumers to potential scams before they occur. " Discover should take responsibility and be accountable for what happened to me because of the lack of scam detection. Discover is supposed to decline unusual transactions. Discover should have declined the transactions on a card that belonged to someone that historically does notcharge that large amount of money and in fact, about the same amount is put on thecard every month. I use Discover card mostly for monthly billing accounts and groceries. I pay the Discover bill in full every month. Discover should have declined the transaction when10 gift cards for {$500.00} apiece were being purchased. XXXX XXXXXXXX store in another town would only give me one {$500.00} gift card. I asked him why and he told me because it couldbe a possible gift card scam. He was aware of gift card scams. Had the XXXX store done the same, I would only be out the XXXX gift card. I have done some research and found that Discover is aware of gift card scams. When XXXX {$500.00} gift cards are purchased, on a card that does not charge that large amount, a credit card issuer who is aware of such a scam should have questioned the transaction, declinedit. I should not be held entirely responsible for this loss of money. XXXX made XXXX {$500.00} gift cards for me with neither XXXX or Discover questioning thetransaction. After XXXX, I got scared and didn't want to do it anymore. The amount of money made me mentally & physically sick. The XXXX store was local, it was raining, I was wet and inmy pajamas. I had been crying for hours and no one seemed to notice. I am requesting to speak to XXXX XXXX ' superior, please. I would like to get this resolved without Discover just washing their hands of this and it going away. Unfortunately, it won't just go away for me struggling to make payments & interest on {$6000.00}. I am on {$1200.00} SS, {$400.00} pension. I had XXXX and then a XXXX. My son lives with me and he is on XXXX. I just had to charge {$1200.00} to get my car fixed after weeks of waiting. How do they think this is going away. Thank you
Company Response:
State: MO
Zip: 63028
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XXXX I noticed my card had been charged in XXXX for {$1600.00} for a hotel charge. After looking into it I learned the hotel reservation was made for end of just XXXX. I called and canceled my card and informed them I knew nothing of this charge and disputed it. 2 months later they reversed it and said I lost met appeal. I said the hotel charge off for a reservation in the end of XXXX and its not even XXXX at that point. They started another appeal and I lost that. I called and started a XXXX one after the date of when someone was supposed to check in and sent them the info that no one had checked in on that reservation. They denied my claim again and said well whoever booked it had your information. I explained to the lady when people are stealing your card they probably know your name too! I was denied again and told today theres nothing they can do and XXXX stuck with this charge thats now over {$2500.00} Yet in ALL of discover credit cards commercials they say never responsible for a fraudulent charge
Company Response:
State: CA
Zip: 93711
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: After receiving an XXXX charge to my Discover card account ( a charge not initiated by me ), I found out from XXXX that an old, supposedly " inactivated '' Discover account was being used for this bogus charge. Upon contacting Discover to find out why they allowed a charge to go thru on an " inactivated '' account number, I found out that their SOP is to allow charges from " frequently used vendors '' to roll forward from a card number they ( Discover ) told us in the past they had dis-activated. I further discovered that the account number this XXXX charge initiated from was a Discover account that we had 20+ years ago! So, without our knowledge, Discover was allowing charges made with card numbers they told us were " inactivated '' to roll forward, apparently thru several " inactivated '' numbers to finally be completed with our current card number! What does the term " inactivated '' mean??? To me, the consumer, it means that number is NO LONGER VALID for purchases. But, Discover allows purchases to be made from " frequently used vendors '' even though the actual customer may be bogus! Why are they allowed to do this and, more importantly, why do they not tell the consumer that when they " disactivate '' a card number, they will continue to allow charges on that number! This is very dishonest and seems like reverse-consumer fraud from the credit card company itself.
Company Response:
State: TX
Zip: 791XX
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I signed up for a Discover credit card through XXXX XXXX. I signed up for the card because they had an offer that stated spend {$1500.00} in the first three months and receive {$200.00} bonus. Anyways, I spent well over {$1500.00} in the first 3 months and received no bonus. Just got off the phone and they said the offer doesnt show on my account. Meanwhile I contacted them one month after I got my credit card, and they confirmed I would receive the {$200.00} bonus after the 3 months ( if I spent {$1500.00}, which I did ). Anyways, I feel scammed by this whole situation and would like to receive the bonus I was promised when signing up.
Company Response:
State: CA
Zip: 92057
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I been applied for credit cards and I see that someone had already had credits cards in my name using my social security number.. I was renting out a room so I honestly have no idea who could have done so
Company Response:
State: PA
Zip: 19132
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I hope this letter finds you well. I am writing to express my concern and disappointment regarding the recent experience I had with your bank. I appreciate the services provided by your esteemed institution, but unfortunately, I encountered a situation that has left me dissatisfied. I believe in the professionalism and competence of your bank, and I understand that errors can occur occasionally. However, it is crucial for customers to receive accurate and comprehensive information, especially when it concerns their financial matters. I kindly request your prompt attention to this matter and a thorough investigation into the misinformation provided. Moreover, I would appreciate it if you could take the necessary steps to ensure that such incidents do not recur in the future. DISCOVER BANK XXXX If there are any specific procedures or channels I need to follow to rectify this situation, please provide guidance accordingly. I value my relationship with your bank and hope that we can resolve this matter amicably.
Company Response:
State: ID
Zip: 83642
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: This second complaint is added information to XXXX I have from Discover the text they sent me asking if I recognized this charge. Here is the Text from Discover Card asking me if I recognize this charge, I said NO, but XXXX min later the charge went through when the merchant tried again : see below with attachments On XX/XX/2023 I received a text notification from my credit card Discover " do you recognize this charge of {$230.00} '' I stated no. I called Discover to find out what this was all about and was told since I declined the text charge not to worry that the charge will not post. A few hours later I log onto my Discover Card web site only to see the {$230.00} charge is pending. I called Discover and was told that XXXX min later after I declined the charge the merchant was able to put the charge through again and was successful. I asked why I did not get another text to notify me, the person said sometimes that happens, and now I can dispute this charge. After many months of going back and forth with Discover I was finally credited back {$230.00} until today. XX/XX/2023 almost 4 months later the merchant was able to send in information showing my name, address, and that I ordered {$230.00} for one bottle of XXXX XXXX 's. Discover card will not reopen this dispute, and I will have to take it up with the merchant Since XXXX XXXX XXXX XXXX I have called this company call XXXX XXXX XXXX XXXX. I was able to stop them from a reoccurring charge of {$230.00} every month and was told they would credit me back {$230.00}. This company told me there is nothing they can do and I need to reach out to my credit card and he hung up on me. On XX/XX/2023 when I was on face book I did see an advertisement on these XXXX XXXX for weight loss. I did order XXXX bottle @ {$39.00}, then when I received the text from Discover I realized this has to be the same company and it's a scam. NEVER have I received XXXX bottle. Called Discover 6 times just today and I am told the merchant provider my name, address, but what about the delivery? Discover is sending me all in information to me by way of mail, they will not email to me. Per Discover today I found out this company has another name of " Full Stack '' with the same phone number as XXXX XXXX, if this isn't a scam I don't know what it! XXXX XXXX has a state of WY, but when calling the phone number provided it's XXXX and the people I have spoken with have really bad broken XXXX so I know they are not within the XXXX. This company also has a second name of " Full Stack '' they have the same phone number as XXXX XXXX, but no address, neither company has an address. I need help please I am being scammed and per Discover they choose to believe the scammer. Per my Discover statements you can see the credited me then posted the charge 4 months later. From the beginning If I decline a charge Discover had no right to accept the charge a few minutes later, this is bad business on Discover 's part. Please see the attachment from Discover Card texting me if I recognize this charge, I replied NO, but they let the charge go through XXXX minutes later without texting me a second time. This error falls on Discover Card and I should be credited, also I never ordered anything for {$230.00}. Thank you
Company Response:
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The company is continuing to reflect inaccurate accounting. The timeline is outlined by FCRA 611 5 b 3 and and Discover has still has not complied with the federal protection consumer laws. I am continuing to suffer financially, professionally and emotionally as a result of these violations.
Company Response:
State: NY
Zip: 10303
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A