Date Received: 2022-06-25
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: To whom it may concern, On XX/XX/XXXX and XX/XX/XXXX, I sent all 3 Credit Bureaus certified letters asking for Validation of the debt stated below. They never sent me any letters and accounts still remain and have not been fully validated. XXXX XXXX XXXX Discover Bank XXXX XXXX XXXX and XXXX! Regards, XXXX
Company Response:
State: OR
Zip: 97007
Submitted Via: Web
Date Sent: 2022-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-25
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 CFPB complaint XXXX on or around XXXX XX/XX/2022, which pertained to a payment application/billing error. As I am recovering from XXXX, I had a family member pay on my account. That family member provided the information as requested by the representative and was given the reference number XXXX. The payment posted, but Discover alleges the were unable to collect the funds using the supplied ACH authorization. Discover claimed the returned code was because no such account existed with the information as presented by Discover to the institution. On or around the same time of filing complaint XXXX I filed a Billing Error notice with Discover. I received a response from XXXX in the Discover XXXX XXXX XXXX XXXX XXXX acknowledging receipt of complaint XXXX. On XXXX XX/XX/2022 I received an automated message requesting documentation regarding the billing error. The documentation listed the various forms of payment and what documentation was needed to assist Discover in conducting their investigation. The method by which the item was was one of the options : electronic transfer. However the requested documentation for electronic payment are as follows " if you paid by electronic means, or if a physical check was converted to an electronic check, please complete the attached form to confirm the funds were withdrawn from your account and/or provide supporting documents showing that the payment has cleared the financial institution. '' That is, Discover was/is requesting documentation that does NOT apply. Specifically they are asking for proof that the funds were debited from the authorized account. The matter as articulated both to Discover AND to the CFPB in complaint XXXX, and re-articulated here, is that there was an error when Discover presented the information to the financial services institution for debiting. Having already supplied the confirmation code provided by Discover, to Discover, in the billing error notice and CFPB complaint XXXX, I followed the instructions for other, which states " If you can not obtain the specific information above, please provide any supporting documentation that you may have to assist us in resolving your concern. '' Discover is capable of matching the confirmation number to the bank routing number and account number as presented to the financial services institution. However, the process that Discover is using to conduct their investigation is patently unfair because it presupposes that the " fault '' was on the other financial services institution or the individual making the payment. Neither of which is true. In fact, the same family member has paid on my account before during the time of which I've been ill : XXXX XXXX XXXX On XXXX XX/XX/2022 I received an automated message from Discover alleging that because I had not submitted " requested '' documentation, Discover would consider I no longer have any concerns because those concerns had been resolved. What Discover is doing is patently unfair. I have given the information and followed their instructions, yet they are now attempting to evade responsibility for conducting an actual billing error investigation claiming they " did not receive requested documentation. '' The process seems intentionally constructed to evade billing error investigations and compliance with their responsibilities under 12 CFR 1026.13, thereby meeting the definition of " unfair, deceptive, or abusive acts or practices " under 12 U.S. Code 5531.
Company Response:
State: MI
Zip: 48103
Submitted Via: Web
Date Sent: 2022-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-25
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: after opening a checking account with " Discover Bank '' on XX/XX/2022, they froze my account on XX/XX/XXXX, XXXX took me 7 days to get my account unfrozen. ( they could have asked photo ID at the opening of the account ) I had a few scheduled payments during that time they all got returned and other companies charged extra service fees. I asked discover to cover those service fees, but they declined. so I decided to close my account with them, and they told me it will take 60-90 days to get my money back. This is beyond acceptable please help me get my back soon. if you look at XXXX and XXXX reviews you will know this is not a unique case they have been doing this to everyone, please stop this predatory behavior from big companies like discover. I want to tell everyone that do not bank with discover. Thank you.
Company Response:
State: IN
Zip: 473XX
Submitted Via: Web
Date Sent: 2022-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-25
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/2022 I contacted Discover Credit Card to inquire about the status of my disputed transaction. I had informed Discover Credit Card that I had returned a defective item to the merchant and the merchant was not providing me with a refund. Discover Card supervisor XXXX stated that Discover declined my dispute and could not help me any further because the merchant never acknowledged I returned the defective item. I informed supervisor XXXX that the item was returned, and the tracking number was provided in the dispute documentation I had previously submitted. Supervisor XXXX stated that Discover could no longer contact the merchant to confirm if the merchant agreed that I returned the item. Supervisor XXXX stated that I needed to contact the merchant and obtain a letter or document showing that the merchant acknowledged that I returned the merchandise. I informed supervisor XXXX that the merchant was not communicating with me because i disputed the transaction and the merchant closed my account. I asked supervisor XXXX if the case could be re-opened so Discover could reach out to the merchant and ask for the required information needed to resolve the dispute. Supervisor XXXX said the case could not be re-opened and that Discover could no longer assist me. I also informed supervisor XXXX that I was being scammed by the merchant because the merchant was claiming I damaged the item and was attempting to get a refund on an item I damaged. Supervisor XXXX XXXX stated that Discover could not assist me and that I should seek outside assistance. Supervisor XXXX continued to state that Discover could no longer continue with the dispute and that I needed to seek help outside of Discover. For over an hour supervisor XXXX insisted that nothing further could be done by Discover to assist me. I asked multiple time to be helped by a higher level supervisor or someone who could further assist, but supervisor XXXX refused to complete my request. Supervisor XXXX intentionally ended the phone call while I was still trying to speak to him. I contacted Discover to inform them of my issues with supervisor XXXX and the intentional termination of the phone call while I was still speaking to him. Discover representative XXXX stated all the calls are recorded but she could not provide me with a call identification number. Discover representative XXXX stated that all complains are handled internally and there was nothing else she could assist me with.
Company Response:
State: FL
Zip: 33126
Submitted Via: Web
Date Sent: 2022-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/22 I received an alert from my bank concerning a new inquiry from Discover. I don't need another credit card and I went to my bank for guidance. They told me to call 1 of the credit agencies and I called XXXX to put a freeze on my accounts. I did and was told that he would alert the other 2 agencies as well. Today ( XX/XX/22 ) at XXXX I got a call from Discover ( XXXX XXXX ). She informed me that someone was using my S.S. # and my credit report to obtain a Discover Card in Utah. She gave me the application # ( XXXX ) and told me to file this report. She also told me that I needed a copy of this report and my I.D . to be faxed to Discovery ( XXXX ) in order to prosecute this individual. I don't know why? I'm the victim here. I was scammed for {$29000.00} on XX/XX/22 by a guy named XXXX ( XXXX ) and reported it to the FBI ( of which I haven't had and response from ) so I don't take any chances. I have changed all my passwords, scrubbed my computer, got a VPN for my devices and go to the bank as soon as I have a concern.
Company Response:
State: FL
Zip: 34481
Submitted Via: Web
Date Sent: 2022-06-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/23 I opened my Discover app to check my current account status. I noticed 2 withdraws out of my savings account, one for {$2500.00} and then another for {$2400.00} from a XXXX XXXX company. I then called the customer service line immediately. The customer service rep froze my accounts per my request but said he cant do anything about the withdraws and that I need to talk to the security team. He said the wait time was approximately 1 hour and asked if it would be ok to wait that long, if not to call back the security line directly from XXXX to XXXX XXXX. I took the number down but told him I am more than concerned due to the amount and would be wiling to wait. I was on hold for 3 hours and 32 minutes to have the call dropped. I had to continue working so I had my wife call and she had almost the identical experience, around 3 hours and 11 minutes on hold and her call was dropped. After not being able to reach anyone on XX/XX/23 I decided to call at XXXX XXXX XXXX the XXXX number given. I finally reached a customer service rep after being on hold for 28 minutes. This rep told me that she couldn't help me and that I needed to call XXXX to get help with that. I said " I wish I could screen shot my phone and send to you right now because this is the number we are on ''. She said right but the security folks are not available until XXXX XXXX XXXX. I then asked so you are requesting me to call back in 15 minutes to be able to speak to someone in security. She said yes. I called back 15 minutes later at XXXXXXXX XXXX XXXX to receive the automated message that they are experiencing a high volume of calls at the moment and to speak to a specialist would be over 3 hours. I hung up as I had to go to work and had my wife call. My wife has been on hold twice today now for over 3 hours. I still dont have any resolution or any way to get ahold of anyone to discuss this matter.
Company Response:
State: MO
Zip: 65203
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
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: XX/XX/XXXX : paid the whole balance of {$100.00} Discover credit card account XX/XX/XXXX : I called and cancelled my Discover credit card ; made sure to ask if there were other fees/balances that I needed to pay beforehand. Representative said no. Discover states that I had an outstanding balance of XXXX and placed my account in delinquency as of XX/XX/2022 which then drastically decreased my credit score. However back in XXXX I called Discover and asked to dispute the balance, which they stated they would do over the phone. But now Discover is claiming there is no record of such call or dispute record. I called and asked to dispute the delinquency as my account was being closed and canceling all auto-payments with merchants. Discover provided a courtesy adjustment and waived the charge but declined to remove credit report. I asked for a goodwill adjustment but Discover refused.
Company Response:
State: CA
Zip: 90020
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: At XXXX pm on XXXX XX/XX/2022, I received an email notice from Discover Bank stating that unusual activity has been noticed on my account, that my account has been summarily rendered inaccessible, and to call their security number. I called and waited on hold, then it disconnected me at 3 hours and 2 minutes of holding. I called again and waited on hold, then again got disconnected at exactly 3 hours and 2 minutes. I called again the morning of XXXX XX/XX/2022, and the same 3 hours and 2 minutes disconnected hold happened again. On a fourth call, the automated machine states that a wait will exceed 3 hours. On another call to the main line, the representative stated that the only way to get in contact with security is the wait on that line. However, Discover disconnects calls at 3 hours, so it may be impossible to get in contact with the relevant department. As it stands, Discover has revoked my access to my money while not accommodating any attempts to make contact. I have spoken with others who bank with Discover and have found that they too are in this situation with no recourse.
Company Response:
State: TN
Zip: 37042
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am unable to get in contact with Discover Bank regarding my funds and the freeze that they have placed on my account. I had transferred {$15000.00} into the account and the account was then frozen. I have tried multiple times to speak with someone on the phone and have waited for greater than 3 hours to speak to a representative. I have spent over 12 hours waiting on the phone, and have been disconnected multiple times. I am disappointed that I am unable to access my funds or speak to anyone regarding the issue. I have been unable to speak with a person from the fraud/security department regarding this issue. It is extremely worrying to have an email that there has been unusual activity and fraud on your account and then be unable to speak with someone and spend a week waiting on the phone.
Company Response:
State: NJ
Zip: 08057
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-25
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: In 2020, I was an heir in my grandmas estate. We sold her house but before I could receive my share, I had to pay off 2 credit cards, Discover being one of them. Last month, I find that Discover is garnishing my wages! Case XXXX. I was not even aware of this until today. My son, who is XXXX, and I are XXXX! I already paid the debt. XXXX XXXX XXXX in XXXX, Missouri can attest to this fact.
Company Response:
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A