Date Received: 2023-12-03
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had tried multiple times to set up autopay through my Discover account yet was never notified it didn't go through despite a window popping up thanking me for setting up autopay 3 separate times. I was charged late fees each if these times. When I contacted their customer service about it I paid my balance of {$440.00} and told them to close my account when the payment went through. That was beginning of XXXX. I received multiple confirmations of my payment and never once was contacted about the payment not going through. I was locked out of the app as the associate then closed my account. Today I go back onto the app just to verify the account was officially closed and now I am now seeing that I owe {$480.00}, the account was never closed and now I am being charged fees?
Company Response:
State: OR
Zip: 97223
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I have accounts on my credit report as a result of fraud and identity theft. Letters and letters of the law have been sent to all three credit bureaus. I have also submitted an affidavit and police report. I request for these unauthorized items to be removed. The following collections and accounts, Discover Bank, XX/XX/XXXX for the amount of {$13000.00} ; XXXX XXXX XXXX account XXXX ( XXXX XXXX ) XX/XX/XXXX for the amount in {$370.00} ; XXXX XXXX account XXXX XX/XX/XXXX for the amount in {$480.00} ; XXXX XXXX XXXX XXXX XXXX account - XXXX XX/XX/XXXX for the amount of {$520.00}
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX, I opened a credit card with Discover and immediately added the card to XXXX XXXX ( possible activate physical card as well ) After the physical card was send out. On XX/XX/XXXX, someone stole my card and used it at near by XXXX XXXX and shopped for {$860.00}. Immediately I realized the fraudulent activities and reached out to Discover to dispute the charges. They have provided credits right away, closed down the account and opened a new one for me. I was suggested to file a police report as I told them I am afraid that my identity information might be stolen because the card was easily being activated. I was also being suggested to file one because they believe it would be an easy case for local police to identify the theft since it happens in the same city. Which I file a police report on XX/XX/23 and provided the cases number to Discover for further investigation. On XX/XX/XXXX, I receive a copy of the receipt from XXXX XXXX of the fraudulent activities provided by Discover. On the receipt, it shows the thefts name and XXXX XXXX membership ID. And the amount matches my statements. And I also replied to their call for further information stating that I have receive a replacement card and it was extremely easy to activate the card. They never asked my birthday nor last four digits of XXXX. Just one call and provided last four number of Credit Card number the card is activated. I provide my frustration and believing that the case was closed. However, on the XXXX, I received another letter from Discover stating that they were not able to find any fraudulent activity on my account and I am responsible for the {$860.00} which does not make sense to me. I have called Discover once again on the XXXX, complain about the issue. But they said I will have to wait for 30 days for them to reinvestigate. In the meantime, I could reach out to police for more evidence and I will either have to pay that {$860.00} or it will sit in my open balance and getting rolled over with late payment fees and interest. I am extremely unhappy with how Discover resolve the issue. They already have the receipt that shows the thefts name and membership ID. I never had a XXXX XXXX membership. I provide every little detail I am acknowledged with and even listened to them and went for a police report. I do not understand what additional proof I need to provide. So I really would like to seek for additional help and suggestion. Thank you!
Company Response:
State: CA
Zip: 92708
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
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: On XX/XX/XXXX 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 30 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/XXXX 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 of 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/XXXX when I was on face book I did see an advertisement on these XXXX XXXX for weight loss. I did order 1 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 1 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 " XXXX XXXX '' 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 English so I know they are not within the US. 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.
Company Response:
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Account is not reporting correct XXXX data breach Thank You Based on the information you provided, our records indicate your personal information was impacted by this incident. For more information, visit the FAQ page. FILE A CLAIM For Assisted Identity Restoration Services, please call XXXX at XXXX and provide engagement number XXXX.
Company Response:
State: CA
Zip: 95206
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Received discover credit card without my knowledge and never applied for
Company Response:
State: CA
Zip: 92019
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I missed one payment of {$75.00} on XXXX because I was traveling and sick. Discover bank didn't notify me about the due payment and they reported it into my credit report. My credit score went down from XXXX to XXXX on XXXX When I found out about it i paid the full amount including the interest and late fees. I called the bank on XXXX XXXX XXXX and requested a good will adjustment to remove it from my credit report but they declined my request.
Company Response:
State: MA
Zip: 01810
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My information with XXXX has been breached and heres the proof.
Company Response:
State: MO
Zip: 64118
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Subject : Urgent Matter Application, Forensic Audit and Securities Trading Dear Discover Financial Services and Discover Bank, I hope this letter reaches you in good health. I am writing to bring to your attention a matter of significant concern regarding the handling of applications submitted to Discover Bank, which have been converted into securities and subsequently traded on the secondary market. It has come to my attention that my applications, in particular, have been utilized for this purpose, and I believe there are critical issues that require immediate attention and resolution. My applications were submitted to Discover Bank under the understanding that they would be processed in accordance with the terms outlined in our binding agreement, and that in return for the investment, I would receive the agreed-upon products and services. However, it has come to my knowledge that these applications have been transformed into securities for trading on the secondary market without my explicit consent. I would like to draw your attention to the following points : Security Trading and Capital Generation : The conversion of applications into securities for trading on the secondary market is a practice that, according to my understanding, was not disclosed in our initial agreement. This has raised concerns about the potential misuse of my personal information and the financial benefits derived from these securities trading activities. Forensic Audit : I have considered a forensic audit to expose XXXX numbers associated with the securities generated from my applications. This audit aims to determine the amount of money these securities have generated and whether this aligns with the terms of our binding agreement. Material Evidence : As outlined in Discover Financial Services and Discover Bank 's XXXX, XXXX, Prospectus, and Indenture Agreement Form, these documents serve as material evidence of the company 's objectives to attract investors and generate capital through various means, including the trading of securities. Tort Actions and Discrimination : The attempt to use non-public personal information without my explicit written consent for the purpose of discrimination and fraud is deeply troubling. These actions have caused harm to my personal well-being, reputation, and have resulted in the denial of my rights and titles to monthly bonds, interest payments, and proceeds. Upon a thorough review of the XXXX form which is accessible through the Securities Exchange Commission ( SEC ) website, it has become apparent that there are areas where both the parent company and its subsidiary may be at risk of noncompliance and legal ramifications. I believe that it is imperative that this matter be promptly presented to the Risk Committee and the Board of Directors to initiate a comprehensive review and take necessary actions to prevent further damage. The specific points of concern include : Noncompliance Risks : The XXXX form indicates potential areas of noncompliance that may expose both Discover Financial Services and Discover Bank to legal and regulatory risks. Legal Implications : Failure to address the identified noncompliance issues could result in legal implications, fines, and damage to the reputation of both entities. It is crucial to assess the severity of these risks and take corrective measures immediately. Responsibility of the Risk Committee : Given the nature of the risks outlined in the XXXX form, it is the responsibility of the Risk Committee to conduct a thorough analysis, assess the potential impact, and formulate strategies to mitigate these risks effectively. Board of Directors Oversight : The Board of Directors should be informed promptly about these compliance and legal risks to ensure transparency and to enable them to make informed decisions that safeguard the interests of the company and its stakeholders. Preventative Measures : Immediate action is necessary to implement preventative measures that align with regulatory requirements and ethical business practices. This will help in safeguarding the company 's integrity and protecting against further legal and compliance risks. I strongly recommend convening a special meeting of the Risk Committee and the Board of Directors to address these concerns. Timely and decisive action is crucial to protect the best interests of Discover Financial Services and Discover Bank. If the proper party is unwilling to provide a remedy for these actions within 21 business days from the receipt of this letter, I intend to use the findings from the forensic audit, along with the aforementioned forms and exhibits, as evidence to recollect all proceeds generated from the security investments. On or before XX/XX/2023, there will be a letter sent by registered mail to both the Parent Company and its Subsidiary ( Discover Bank ). This parcel will contain a medallion-stamped or notarized letter reiterating these concerns. I implore you to treat this matter with the urgency and seriousness it deserves to avoid further legal action. I look forward to a prompt and amicable resolution to this issue. Sincerely, XXXX XXXX XXXX | Agent For XXXX XXXX | Principal Email : XXXX Phone : ( XXXX ) XXXX
Company Response:
State: GA
Zip: 30310
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Ex-Husband opened Discover Financial card in my name without my knowledge or consent in the amount of {$14000.00}. This was brought to my knowledge after reviewing my credit report. I immediately called Discover and had the card in his hand turned off and asked for transaction history-there was only one transaction and it was a balance transfer from his XXXXXXXX XXXX XXXX XXXX. Ex-Husband admitted this was his balance in court and the Judge ordered him to pay this ( court document was provided to Discover and their lawyer ( collection company ) XXXX XXXX XXXX XXXX He also went to XXXX shortly after serving life for many reasons-one including held in contempt to not following judge 's orders. I disputed this on all credit bureaus which include XXXX etc. I even kept in touch with XXXX XXXX XXXXXXXX and Discover at the same time in XXXX of 2023 and called ever 2 weeks, provided them judge documentation and a case number with the police department when I reported it fraud because this needed to be deleted off my credit report. The denied my fraud claim and said after 90 the investigation showed I would still be held responsible for this amount even after all the documentation that I provided.
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A