Date Received: 2022-06-24
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened my savings account at Discover Bank and I transferred all my savings from my current savings account to them. After they received the money they shut my account down, told me there was fraudulent activity, and gave me a number to call them to look into my account. After being on hold for more than 8 hours I was finally able to speak with a specialist and she told me the money would be sent into my previous account immediately but it wasn't. I had to call again and be on hold for more than 4 hours and this time they told me they will be sending a check in between 60-90 days. I then asked to update my address since I will be moving and I will not be able to receive the check by the time they send it. They have transferred me from one department to another for this and are refusing to update my address or explain why they shut down my account the second the money was accepted. They have taken my money and refuse to communicate with me. I opened my Discover savings account on XX/XX/XXXX, I transfer XXXX on XX/XX/XXXX and they received the money on XX/XX/XXXX at XXXX am and six hours later they closed my account and refuse to send the money back. No one answers the phone, I asked to talk to the supervisor twice and they don't pick up the phone, one agent told me they would cancel the transfer immediately and the other that it will take 90 days, they refuse to update my address for the check to be sent and they are not taking any action on my case. They advised me to talk to my other bank to see if they can recall the transfer since they are not able to do it sooner but they already take and hold all my money. I am not able to wait for that long for my money to be sent back, those are all my savings, I have bills to pay, rent to cover and expenses to be cover.I need help and they are not helping me in any way. Please help me get my money back I really needed it.
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a debit card in the mail for a Discover card, based on a newly opened account. I didn't open the account and knew instantly it was fraud. This has happened to me before with other banks. I called their contact number from the website. I spoke to two different people, a credit person and a debit person. I finally managed to get some details. It was opened on XX/XX/22 ( roughly a week ago ). It has no balance and does not appear to have any transaction history. They told me to call their fraud line to close the account and report it as fraudulent. I called their fraud line many times. Their fraud line hung up on me twice. The first time they hung up on me, I waited for 40 minutes. The second time they hung up on me was after 3 hours and 2 minutes! The bank is as bad as the fraudsters. They have made it easier for criminals to rip people off people like me and repeatedly hang up on victims. I had the phone on speaker and the entire family heard them hang up. We were all equally upset, since it was on the entire afternoon. I rearranged my entire schedule just to report the fraud. The account is still opened. The criminal fraud is ongoing. The bank doesn't seem to care and I can't stop it. Discover sucks. They have one of the worst fraud departments in the industry.
Company Response:
State: NJ
Zip: 07039
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: CFPB Complaint ID XXXX XXXX XXXX. Of Executive Office of Customer Advocacy stated In addition, under the Credit Reporting Agency Information section of the Cardmember Agreement; We may report the status and payment history of your Account to credit reporting agencies and other creditors. We normally report to credit reporting agencies each month. As such, we are unable to honor your request to cease reporting the account to the credit bureau reporting agencies. We have sent copies of all available billing statements for the account under a separate cover. We are unable to honor your request to remove previously reported account history, as the information reported is a factual representation of what occurred on your account, nor are we able to remove the account from your credit bureau reports as we consider the account valid. Which method of verification have you use to verify such information as you mentioned? XXXX XXXX. Provide provide proof you have complied with XXXXederal Law Gramm-Leach-Bliley Act and gave me the Option to Opt-Out of furnishing my non public personal information or you shall be fined. Because you need to over-stand your company Policy doesnt supersedes over Federal Law. Discover Bank and all the Credit Reporting Agencies XXXX, XXXX, XXXX are committing Racketeering Each count of racketeering is punishable by up to 30 years of incarceration in federal prison and I have proof of their actions. Failure to remove MY account ( my intellectual property ) account ending in XXXX XXXX XXXX, Discover Bank will be sued in Federal Court.
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have a discover card credit card for years. Never delinquent with payments. Used the card last Saturday at 2 places. The next day could not use it, not accepted. Called discover transferred to identify dept. They will not tell me what this is about and want me to allow them to access my IRS tax return. Called corporate office and they were not helpful and had no explanation
Company Response:
State: CA
Zip: 91316
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Description of Complaint : Discover Card Payment Protection excessive charges to a retired senior. My name is XXXX XXXX ; Im submitting this complaint on behalf of my Sister, XXXX XXXX Several Months ago I noticed Lindas checking account was over drawn ; I started looking closer at my sisters finances. I noticed large credit card debt, {$24000.00} on her Discover Card, being the largest. Starting in XXXX her balance starting going up, a large part of the increased balance is the result of this payment protection Plan. From XXXX to XXXX discover card has charged her card for {$6300.00}, in fees related to this protection program. Interest charges of course went up as the balance increased. When I asked XXXX about this Payment protection and why she had it she didnt know she was paying for it or what it was for. When we called discover, in XXXX I was told she had been in the program since XXXX. I asked for a refund but was told all they could refund if the most recent payment. To help control expenses I told them cancel the protection plan and proved any refunds they can. I called back in XXXX requesting additional refund, they told me would look into it, but we never heard back. Documents : I have attached copy of fees charged for last few years, all I could get from the website..
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
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 Data 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: CA
Zip: 94610
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX - XXXX : Initiated an ACH transfer in the amount of {$15000.00} from my Discover online savings account to a different non-Discover online savings account ( XXXX Bank ) XXXX - XXXX : Received email notifcation from Discover Bank regarding account suspension due to " unusual account acitvity '' and was told to call Discover " immediately '' to resolve. This account suspension led to my ACH transfer of {$15000.00} being frozen ( i.e. the money did not sucessfully transfer to my XXXX XXXX XXXX ) XX/XX/XXXX through XX/XX/XXXX : Initiated phone calls and suffered hold times varying from XXXX0 minutes to over 3 hours to no sucess in attempting to be put in contact with an employee from Discover 's security team who reportedly was the only one able to help me unlock my account This is UNACCEPTABLE both the lack of customer service/care and to hold my money frozen unable for my use when I NEED it.
Company Response:
State: GA
Zip: 30097
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are inquiries on my credit report that I did not make nor authorize. I asked that these companies and credit bureaus correct these errors and remove these false inquiries off my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Discover financial Serv - XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I XXXX XXXX is coming before you today with serious concerns. Discover committed adverse action against me and closed my credit card account without my lawful authority.As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Discover can not close something i created! Discover has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 To correct an error of intent. I unknowingly and unintentionally waived certain powers that put me in detriment. As beneficiary and not required to do anything. It is to my detriment to pay an obligation that is fully the interest of the United States for payment of public/private debt Pursuant to 18 USC 8 XXXX I have no affiliation to the trust with respect to the trustee. Notice of fact pursuant to 12CFR 202.2 ( b ) consumer credit is defined as ; credit extended to a natural person primarily for personal, family, of household purposes. Therefore, if pursuant to that same subsection credit means ; the right granted by a creditor to defer its payment, or purchase property or services and defer payment therefor, then I am the consumer of this transaction seeing that my credit card, also known as my Social Security Number, funded the account by means of accessing my open-ended credit plan. Notice of fact there is a billing error pursuant to XXXX XXXX the determination of finance charge. Pursuant 15 USC 1692c ( C ) this herein notice in writing refusing to pay the alleged debt. 15 USC 1666b ( 4 ) The creditors failure to reflect properly on a statement. If I owe a balance, it should be in the negative, but it isnt, its clearly showing a positive balance. This is a billing error. Pursuant 19 CFR 149.3 there is an identification error. I did not need to provide a name and address, only a number to identify who was liable. The social security number is the liability. The bank is the reporter of record. The importer of the record is liable, I gave DISCOVER BANK the number making DISCOVER BANK liable for the number. Pursuant Regulation Z subpart b 1026.13 a6 I request a reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence. I request documentary evidence for my discover account. Pursuant 15 U.S Code44 includes all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all-caps name. I require this clarification in order to address the billing error for my account. I need to clarify who funded the account and how much is owed according to the journal and ledger entries from the date of open of this account as described in IRS Publication XXXX. On the public and private side showing accounts receivable and payable. Pursuant Regulation Z Subpar B 1026.13 d 1- Rules pending resolution. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 USC 1666 ( e ) for failure to comply with any of the requirements of this section. I am the beneficiary I wish to negotiate instrument being tendered on behalf of the interest of the United States with full faith in credit. The personal information on the record is inaccurate the accuracy is depended upon fair banking. I request that the record is corrected and granted the proper disclosures Pursuant Regulation Z Truth in Lending Act.
Company Response:
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Please properly remit my 1099-C so I can do my tax return. Because the cancellation of debt belongs on my 1040. Once this notice is received please properly send the completed 1099-c form back to ( XXXX XXXX ). In the attached 1099-C document XXXX XXXX completed the sections to the best of knowledge. DISCOVER CARD also get to write this off on taxes for a major tax break. Send the completed 1099-C that you sent it to the treasury. All obligation of any debt belongs to the UNITED STATES OF AMERICA and my signature pays for anything hence why DISCOVER CARD was about to give a line of credit because of the asset back note. If you don't understand please reference back to the Emergency Banking Act of XXXX and Indenture Trustee act of XXXX. Please do not take any adverse actions because of the enforcement of rights ( 15 USC 1681a ( k ) ( 1 ).
Company Response:
State: MD
Zip: 21206
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A