Date Received: 2022-06-30
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Discover cashed my paycheck that was issued to me on XX/XX/2022 ( pending case with the District Attorney in XXXX XXXX for Bank Fraud and XXXX XXXX Police Department ). I am a victim of identity theft as well as mail fraud. I began to recieve my mail to the correct address and received correspondance from Discover stated that " unusual activity was detected on your account. '' It stated to call immediately, which I did, and waited on hold for 2 hours one day, 1 hour and 30 minutes another day, 2 hours the next day and an 1 hour and 15 minutes today. I have yet to speak to anyone about this matter, which is an account that was not opened by me. I have never banked with this institution.
Company Response:
State: CA
Zip: 92154
Submitted Via: Web
Date Sent: 2022-06-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My XXXX Credit report contains an unauthorized inquiry from Discover Home Loans, XX/XX/2022. I have been a victim of Identity theft, this has been reported to XXXX and this needs to be taken off my credit report. I have called XXXX to dispute this and i am also reaching out to the consumer financial bureau.
Company Response:
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2022-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-29
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: Discover card is furnishing inaccurate and incorrect information.
Company Response:
State: MN
Zip: 55430
Submitted Via: Web
Date Sent: 2022-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This complaint is about my discover savings account. I suddenly got an email from discover saying a suspicious account activity is reported on my account and so account is locked and said to call a number to unlock the account. I have been trying to call discover from Thursday XXXX Since then, Everyday the call goes on for XXXX hrs and gets disconnected after XXXX hrs. I have been spending nearly XXXX hrs a day on call and not even able to talk to an agent and the agents on chat and on discover social media accounts couldnt help and they say to talk to the same number. The auto recording says estimated waiting time XXXX minutes but the wait goes near to XXXX hrs and gets disconnected. I want discoverbank to have a good customer service to be fast to help people from this situation.
Company Response:
State: MN
Zip: 566XX
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I applied for a personal loan with discover on XX/XX/XXXX. I was prequalified and was told in order to accept the loan they need todo a hard credit check. They did and I was approved ; I provided all the information I needed and was told within 24-48 hours I would receive an email to accept the loan. A couple hours later I checked the application status and it said I wasnt approved for the loan. I called and was told its a glitch in the system and give them 24-48 hours to fix it. I kept calling and was being told differently every time. I call on XX/XX/XXXX and was told its because my credit reports are frozen the problem occurred and I need to unfreeze them to proceed with the process ; I asked will it be another hard inquiry and was told no by XXXX XXXX. However I am seeing multiple hard inquiries from Discover. Its been 7 days and I am still waiting on an answer from them. This is unethical and I need discover to remove these hard inquiries and provide the proper reasoning behind the delay in processing.
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX XXXX XXXX XXXX DISCOVER BANK XX/XX/22 RE : We have already disputed these accounts.
Company Response:
State: KY
Zip: 40214
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XX/XX/2022, I received a letter ( and another this month ) telling me that I had to make payment arrangements by XX/XX/2022, or I would potentially get sued for the entire amount. I called to attempt to do so, but they refused to work with me. When I explained my general situation the CSA ( Customer Service Agent ) informed me that I had only 2 options : 1 : Pay $ XXXX/mo or 2. Pay $ XXXX/mo. The first payment would have to be paid by the XXXX, in order to avoid being charged off and further debt would then be collected. This wouldn't be an issue, except for the fact that I can not afford even the lowest option. I explained this, and made a realistic offer for me ( {$25.00} at least until things were less tight financially ). They refused the offer, saying they couldn't accept it, and that payment of at least {$50.00} for the " Hardship Program ''. I said that was unfortunate and gave up. Now, let me explain my situation... It's been a very, very financially rough 7 years. I got divorced 18 mos after my daughter was born, in XXXX. He moved out and from that point, til presently, I became a single parent. On top of that, I was later diagnosed with XXXX and XXXX. It got so bad for me financially, that I had to use cards to help pay my bills. Even with child support ( {$370.00} at the time, {$470.00} now ). Because of the XXXX, I can only work part time. I am working on getting on XXXX for it, because it's getting bad enough that I've had to miss work because of flare ups, which is not typical. But it's a long and nearly hopeless process when it comes to this invisible illness. I have experience in only 2 fields : XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX ( XXXX, XXXX XXXX, etc. ). Neither field offers much for income. I had to work fulltime in my XXXX positions to barely make ends meet. As a XXXX, I can at least make enough to ( barely ) survive on. I currently work XXXX at a XXXX XXXX. I am scheduled XXXX hours a week, give or take, depending on appointments. I make $ XXXX plus very few tips ( XXXX {$2800.00} ). I have no XXXX or medical benefits and rely on public assistance ( all that I qualify for ). My rent alone is {$1400.00}, in fact, the sum of only my main, household expenses is {$2100.00}. That doesn't even include gas or other living expenses. I also have liability insurance to pay for if I want to be covered for when I practice massage, among other things. How am I supposed to pay back my credit cards right now?? Even {$25.00} a month is a stretch for me, but I at least offered that instead of refusing to pay it all together. As I stated at the beginning, they refused and were not even willing to compromise on the payment at all. It was a minimum of {$50.00} or nothing. I am a little upset over this, because their hardship program is useless with such a high min payment, with my income. I want to catch up on as much as I can, but household expenses and bills take precidence. I don't see what is so wrong with this. Yet, here I am. I would appreciate some assistance.
Company Response:
State: MN
Zip: 55337
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-29
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I instructed Discover Bank to not send me promotional offers, including balance transfers, home loans, student loans, and they do not follow my instructions. I instructed them at account opening, and again in XX/XX/XXXX after receiving promotion mail. I received promotional mail again, on XX/XX/XXXX and called again to have them remove my promotional offers. They stated that there are several departments within Discover that I need to notify to have the marketing material stop. I asked how many departments and they said they didn't know. I want Discover to delete all of my PPI ( personal information ) so that no departments within Discover have my information or are able to use it for any reason now or in the future.
Company Response:
State: CA
Zip: 94551
Submitted Via: Web
Date Sent: 2022-06-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: AZ
Zip: 85326
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: So on XX/XX/XXXX I ordered a phone for {$880.00} the money was taken out XX/XX/XXXX I still haven't received the merchandise and my Bank Discover Bank will not help me dispute transaction. I've reach out to the merchant XXXX XXXX to settle it that way and just get a generated response to ask my neighbors and if they may have picked it up for me did that they say no. But all and all Discover bank refuses to help me dispute transaction.
Company Response:
State: CA
Zip: 92780
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A