Date Received: 2022-07-09
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My wife and I have two Savings accounts with the Discover Bank. In the past two weeks, both of our accounts were locked without access with no reason provided. In several attempts between XX/XX/XXXX to XX/XX/XXXX to resolve the issue with Discover Bank, the customer service from phone calls claimed that such issues would be handled by their security team. However, in several attempts to call the number XXXX, each time we would be put on hold for more than 2 hours without being answered in their claimed " working hours '', in at least 4 attempts all together spanning the past two weeks. The direct impact of this sudden, un-documented account freezing is that our external transfer to another bank has been rejected, which has caused significant disturbance to our financial plans. Thereby, we request that CFPB to urge the Discover Bank to take immediate action in resolving the issues of our TWO accounts.
Company Response:
State: CA
Zip: 94044
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
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: Purchased a new living room sectional couch On XX/XX/2022 from XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX for the amount of {$2200.00}. Upon delivery the item being delivered was damaged. A replacement item was supposed to be delivered and an additional charge of {$890.00} was billed to my account 3 times. The Credit card company refused to refund the money to my account and provide a reasonable resolution regardless of the documentation and witnesses provided to substantiate my claim.
Company Response:
State: MD
Zip: 219XX
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: See Attachments Sent Certified mail XXXX They are in violation of 15 U.S. Code 1692g ( b ) 15 U.S. Code 1691 ( a ) ( 3 )! 5 U.S. Code 1691 ( d ) ( 6 )
Company Response:
State: IN
Zip: 47711
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX I deposited a mobile check to Discover XXXX Bank they reported that they received the check and on XX/XX/XXXX the account was suspended by Discover with my money inside due to a suspicion of fraud. I have called discover bank everyday since the initial report and have been on hold for 3+ hours at a time with no answer. When the call gets to at least 5 hours it disconnects. I have spoken to representatives who say that is no their department and that the department does not open until a certain time although they advertise 24hr service. When I call at the recommended time, specifically the exact time the wait time is over 5 hours. Still no answer. they have refused to get me in contact with someone that can refund my money. I filed a fraud affidavit with my personal bank on the XXXX of XXXX. I am currently still on a 5hr long hold with Discover bank and the online chat representatives have threatened to end the chat with no help or advice on what to do.
Company Response:
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been instructed three different times by general customer service reps that the only way to resolve my account being frozen is to speak to someone in Security department. They are experiencing high call volumes, but I have spent at least 12 hours on hold on different days trying to speak to someone only to have EVERY call I make to the Security department dropped after either 2 or 3 hours on hold. Basically my money has been hijacked by the company and they provide me no means of resolving this issue except to say that I HAVE to speak to someone in Security, but nobody answers those calls. I have been trying to get through to someone in the Security department daily since XX/XX/XXXX and get the same result everyday. This simply is not acceptable. Also I did receive a letter dated XX/XX/22 stating that my funds have been returned. To this date my funds have not shown up to my original bank account. General customer service has no other suggestions of what I can do except to keep calling Security department back. How long am I supposed to go on wasting time on hold for 2 to 3 hours at a time just to have the calls drop every time and nobody to speak with about this?
Company Response:
State: MD
Zip: 21234
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I tried to charge some golf stuff and my card was declined. When I got home I called the company and they said it was stopped because of non payment. They told me I had to give her the information on file of my account so I did and everything was in order. She apologized and fixed the problem
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
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 was initially charged for {$5100.00} in XXXXXXXX XXXX XXXX for an unauthorized purchase. I had contested this charge and received no relief despite being clearly fraudulent. I recently received a charge back after once again disputing the charge this time to CFFB. The address, phone number, shipping address and email address used for the purchase do not match mine that was on file with discover. Clearly this was a fraudulent charge and Im being forced to pay for something I didnt purchase. Please help me resolve this clear case of fraud and absolve me of someone elses debt.
Company Response:
State: IL
Zip: 60655
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a new savings account with Discover Bank. When I tried accessing my account their fraud department had put a freeze on the account. I've tried calling in on numerous occasions to clear this up and it is always a 2 to 3 hour wait time. I finally reached someone on XX/XX/XXXX and was told they couldn't unfreeze the account until after XX/XX/XXXX because they needed to wait for the XXXX to clear, even though it had cleared my bank on the XXXX. So now today XX/XX/XXXX I tried calling again and after XXXX XXXX they disconnected my call and no matter who else I call at Discover I am told the only ones that can help is the fraud department. This is a terrible system and I just want to move my deposit to another bank that has a better system of customer service. Please tell them to give me my {$25000.00} back.
Company Response:
State: CA
Zip: 93720
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Was sent satisfaction of judgement for debt with discover bank and still am being garnished.
Company Response:
State: MI
Zip: 48864
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XXXX I received a physical letter containing an actual debit card to an account I knew nothing about, thinking it was some form of fraud attempt I called Discovers Fraud Department at XXXX and the male representative said he checked " both sides credit and banking '' and their was nothing with my information being used. Then on XXXX I received another physical letter indicating that my email on my bank account was being changed from my legitimate personal email to an email account of XXXX, obviously an attempt at theft. I called Discover Card Fraud Department again, this time being bounced from " credit '' to " banking '', neither could see the others ' information. Then transferred one final time to " New Accounts '' and after providing her my birth month and year and last 4 of the debit card, she said yes there was an account. She said " there is something here, but without a card number I can not verify it is fraudulent '', finally after finding the card she said the person opened the account and changed information all in the same day very quickly together. Unfortunately, since I am being told incorrect information one day and then something else the other, I do not believe the fraudulent account is being closed and permanently removed from my credit report and XXXX.
Company Response:
State: KS
Zip: 665XX
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A