Date Received: 2022-06-28
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 filed a dispute through Discover Card about the purchase of a damaged motorcycle battery leaking acid. I purchased through XXXX third party merchant. They wanted the battery returned but federal law prohibits shipping of such dangerous items. Discover sided with XXXX in the dispute. Under the Fair Credit Bill Act this item should be refunded as item damaged. I have no control over shipping companies that refuse to ship dangerous items. Case Number : XXXX Merchant Name : XXXX XXXX XXXX Amount : {$56.00}
Company Response:
State: FL
Zip: XXXXX
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 when making payments
Subissue: Problem during payment process
Consumer Complaint: Discover responded to complaint XXXX acknowledging that my account was closed after an individual they believed to be my mother made a payment in the amount of XXXX dollars on my account. Discover acknowledges that the payment was submitted with the account information taken and processed by their representative, who scheduled the ACH transaction. Discover acknowledges that their payment system presented this information to the appropriate financial services institution on or around XXXX XXXX XXXX and that it was returned to Discover " Unable to Locate '' by the financial services institution on or around XXXX XX/XX/2022 : " We note on XX/XX/2022, a payment was made by a third party who identified themselves as your mother in the amount of {$190.00}. This payment was returned as Unable to Locate on XX/XX/2022. On XX/XX/2022, a letter was sent to you advising your account was closed due to lack of payment. '' That left nine ( 9 ) days between when a payment was authorized and when my account was closed. By XXXX XX/XX/2022 Discover had already let me know that the payment had been processed and posted. Had Discover notified me there was an issue with the payment, a replacement payment could have been made in a similar method to NSF reversals. Discover should have an on-going billing error investigation that details HOW this happened. It is conceivable that the information disclosed by my mother did not match what was placed into the payments screen by the Discover agent. Even if there is a supposition that an account number and routing number is correct, a misspelling of a last name, a first name, etc, can cause a return with the error code " Unable to Locate. '' As payments have been made by my mother before, with the same account information, it would seem that the issues is with the Discover 's system is neither with me nor the information provided by my mother. Now, Discover claims they closed out the account due to the issue of processing this payment. Since my mother provided the correct account number and routing number, the account closure constitutes an unfair practice prohibited under 12 U.S. Code 5531 because the situation was not reasonably avoidable. Neither My mother nor I have control over Discover 's processes, nor do we have control over Discover 's systems and its interconnects with other financial services institutions. That is, we do not control how and with what XXXX Discover submits ACH requests to under financial services institutions and therefore Discover 's closure is an unfair practice prohibited by 12 U.S. Code 5531. Moreover, the actions taken by Discover constitute an unfair practice because Discover acknowledges reporting the adverse credit history to the CRAs with an intent to continue doing so while a billing error investigation continues that is an unfair practice that causes harm to me as a consumer and is prohibited under 12 U.S. Code 5531. Note, there has been no notification otherwise with respect to the billing error notice filed with Discover directly as acknowledged by XXXX within the " Executive Office of Consumer Advocacy. '' Yet, Discover responded to CFPB complaint XXXX " We are committed to reporting true and accurate information to the credit bureau reporting agencies, as such we are unable to honor your request to delete the account history from your credit bureau reports . '' That is a violation the CFPA, 12 CFR 1026.13. Finally, Discover has asked for documentation that is inchoate given the nature of the billing error. Specifically, Discover has asked for documentation showing that the error was due to the other financial services institution, or documentation showing funds were debited from the account. That is an unfair practice on 12 U.S. Code 5531 because Discover would be proceeding with a billing error investigation that that precludes itself or systems as a culprit. The requested documentation request itself shows this because it presupposes that the error was neither on the part of Discover 's systems, nor an error on the part of any employee taking payments over the phone. A billing error investigation that is anything other than impartial is on its face an unfair practice under 12 U.S. Code 5531, that is likely to cause harm to a consumer. injurious nature of discrimination. A billing error that subsequently closes an account, coupled with a biased billing error investigation, is progression an unfair process that can cause harm to a consumer, especially when derogatory information is furnished to one ( 1 ) or more CRAs as a result. I have experienced struggles in recovering from two ( 2 ) bouts of long-COVID, preceded by two ( 2 ) separate infections by the XXXX virus. It would appear Discover is indifferent to that fact. The fact that they would mail documents but fail to make those same documents available online is telling. The fact that they did not provide timely notification when an issue arose with a payment is telling. It is not outside the realm of possibility that Discover took actions on my account to adversely affect the processing of a payment so that they could engineer an account closure. The result would be a reduction in their risk exposure and set-up for a potnetial charged-off so that they would no longer have to keep the account on their books. If I do not have timely access to information to help me keep my account open, then I am at a significant disadvantage in an ability to keep my account open. This is especially disastrous for any individual that may ability have a reduced ability to communicate due to XXXXXXXX, or any XXXX. The bottom line is that I asked my mother to make a payment towards my account because of my struggles with XXXXXXXX That is something my mother has done with Discover in the months prior to XX/XX/2022. As such, it was a reasonable expectation that there would be no issue, and that Discover would notify me of any processing issues regarding the authorized payment prior-to closing the account. They did not. In fact, no notification was sent advising me of an issue with processing the payment. The only notification I received was a notice informing me the account had been closed on or around XXXX XX/XX/2022. That left an interim of one ( 1 ) week to rectify the issue. But, Discover did not provide that opportunity. This is odd considering they DO notify individuals about returned payments due to insufficient funds and inform cardholders to " disregard the message if a replacement payment has already been submitted. '' The botom line is that if Discover is unwilling to provide the fair resolution I have requested, and/or if Discover closes this complaint out as a duplicate, I will file this matter with the FTC, OCC, FDIC, DoJ, and the Office of the Attorney General for my state citing both credit discrimination and XXXX discrimination.
Company Response:
State: MI
Zip: 48103
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: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/XXXX, I submitted a wire request from Discover Bank to my XXXX XXXX XXXX account to purchase a car. The wire went through, then on XX/XX/XXXX I received an email from Discover Bank stating they froze my accounts and said to call them. I have called them multiple times and they never pick up the phone. Today I tried to call them again and was put on hold for over three hours and then hung up on. I need them to reach out to me or answer the phone so I can have access to my money.
Company Response:
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Discover bank took our initial deposit, upon trying to make a withdrawal their security team locked our account. They provide a phone number to call, but no one answers. We have made dozens of calls, waiting up to 3 hours on hold. No one ever answers. At the 3 hour and 5 minute mark the call is disconnected. There is no other way to access your account, unlock it, or have access to the funds. This has been going on for weeks.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/XXXX I received a debit card from Discover bank. I have never applied for or had any type of account with Discover. When I told them I did not open any accounts they said that someone had my full name, address, email address, date of birth and social security number and opened one checking account and three money market accounts on XX/XX/XXXX. The person at Discover said she was reporting this to the Fraud Department and the accounts will be locked. Today I received welcoming letters from Discover dated XX/XX/XXXX and the request to change the email address on the accounts from my current email address to a gmail account unknown to me. The fraudster changed my email address to : XXXX. In XXXX someone opened three XXXX accounts XXXX XXXXXXXX XXXX and I had to go through a similar process. I am very concerned now that this has happened for a second time and Discover told me that someone has my social security number and date of birth as well as address.
Company Response:
State: CA
Zip: 91304
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: My identity was compromised by a XXXX Scammer in XX/XX/XXXX. He used my information to open 3 major credit cards without my knowledge or consent. These were all new cards. He applied online without my consent or knowledge or my signature. I did not gain financially at all from this action. He conducted Balance Transfers by using these new credit cards. The transfers began in XXXX of XXXX. I was not aware of this at all until I started to receive statements. I was coerced to make some initial payments until I was aware these were all fraudulently done. I have not gained financially from their use. I was never aware of these cards. He acted solely for his own financial gain. I have filed reports of fraud with the local Police Department, the FTC, and the FBI. I should not be held liable for any payments to these accounts. The balance with XXXX XXXX is now {$14000.00}. The balance with Discover is now {$17000.00}. The balance with XXXX XXXX is now {$52000.00}. These balances are all approximate. The activity on all credit cards was done approximately between XX/XX/XXXX - XX/XX/XXXX. Each actual credit card company has the complete dates and amounts that were conducted as Balance Transfers.
Company Response:
State: CA
Zip: 93311
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I called a company ( XXXX ) on XX/XX/XXXX, to reserve a 16 day stay at a safe location, the company charged me ( XXXX ) for that location and sent me a receipt for that location. The company booked me in a different location than the one I paid for. I filed this dispute with my credit card company, XXXX. XXXX sent XXXX documents that verified that I did call them and had a call with them but not the specific evidence to effectively dispute my claim. However, DIscover said that I, " ... had a transaction with them ... '' and therefore would not reverse the charges to the vendor, XXXX. I have been making automatic payments to pay my bill since the beginning of using my Discover card and have done so until XX/XX/XXXX when I made the 'fraud ' dispute. DIscover had to send a new card and therefore my bank is no longer connected to them for payments. Discover did not do their due diligence to get the recording that would clarify this situation. They instead accepted the limited information XXXX provided and ruled in their favor. I have had Discover and XXXX look at this complaint no less than three times to no avail. I am filing a complaint against XXXX as well. Thank you.
Company Response:
State: PA
Zip: 19083
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On Thursday, XX/XX/XXXX I received a notification that my account was frozen and I needed to call the customer service number to get my account unlocked. I did this, and after an hour and 45 minutes of sitting on hold I was connected with a representative, and the problem was resolved. Then on Friday, XX/XX/XXXX I received another notification that my account was frozen and to call the same customer service number. I tried to call that number two times and both times I was disconnected after being on hold for over 3 hours. I tried to call that number again on Saturday, XX/XX/XXXX 4 different times and still no one would answer my call. I called again on Sunday, XX/XX/XXXX 8 times and never got connected to anyone. I finally called today, Monday, XX/XX/XXXX 3 times, after being disconnected twice for the hold be over 3 hours and the representative tells me that Discover decided to close my account without notifying me and would not give me a reason on the phone. I now have to wait 7-10 business days for a letter with the explanation and 60 days to get my money back that was already deposited into that account.
Company Response:
State: SC
Zip: 29720
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I received 2 letters from Discover stating they received my application for a Discover Bank Account, however, because they were unable to verify my information, the application has been cancelled as of the date of the letters ( XX/XX/XXXX XXXX )
Company Response:
State: PA
Zip: 177XX
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Discover sent me an approved card for Discover Bank card. When I called Discover they told me someone applied for the card. The guy at Discover said this was happening a lot lately. They said someone had all my information and that I needed to wipe everything clean but I don't know what that means. Discover closed the account for me but told me to submit a report. I tried calling the phone number but the person who answered told me I had to go online.
Company Response:
State: IN
Zip: 46368
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A