Date Received: 2022-06-18
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I got email from Discover on XX/XX/XXXX saying my account was blocked and I needed to call their security team immediately. I did so and waited for more than 3 hours on line while nobody answered and was just cut off. I tried multiple times from Monday to Friday from 8am to midnight, and waited for many hours on line just to get to talk to a human. There was no one to answer the call for this whole week. My savings account totally disappeared from my online banking and mobile app. I saved all my money in discover savings account, and now I can not access it and can not make any payment while no agent can help me solve this issue.
Company Response:
State: IL
Zip: 60626
Submitted Via: Web
Date Sent: 2022-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-18
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: Discover Credit Cards place exorbitant holds on purchases at their pumps. A hold of {$170.00} was placed on my card for a {$25.00} gasoline purchase at the pump.
Company Response:
State: FL
Zip: 33702
Submitted Via: Web
Date Sent: 2022-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX and XXXX are reporting a Discover Account under the account # XXXX under my credit report without my consent and under the violation of 15 USC Laws as described : ATTENTION : ( Discover Fin SVCS LLC ) XXXX XXXX RE : XXXX ( XXXX ) XXXX XXXX. This Affidavit of Fact is Pursuant to 15 U.S. Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which you Discover Fin SVCS LLC are in violation as I never gave you my information directly ; 2. I a consumer in fact, agree with The Congress to eliminate abusive debt collection practices by debt collectors, and to promote consistent state action to protect consumers like me against debt collection abuses which you are attempting to do Pursuant to 15 U.S. Code 1692 ( e ) ; 3. Take Notice that Pursuant to 15 U.S. Code 1692a ( 2 ) the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium and in this specific case you Discover Fin SVCS LLC used email, postal service etc. to communicate indirectly with me a consumer who is defined Pursuant to 15 U.S. Code 1692a ( 3 ) as any natural person allegedly obligated to pay any debt ; 4. Take further notice that I am the true creditor Pursuant to 15 U.S. Code 1692a ( 4 ) which clearly states that a creditor is any person who extends credit creating a debt therefor I a consumer created the debt via my extension of credit to Discover Fin SVCS LLC ; 5. You Discover Fin SVCS LLC shall also know that the term debt defined under 15 U.S. Code 1692a ( 5 ) comprehensively states that it means any alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes ; 6. Notice that you are defined as a debt collector Pursuant to 15 U.S. Code 1692 ( 6 ) which states that a debt collector is any person who uses any instrumentality of interstate commerce via mail and is engaged in the principal purpose of collecting debt which you are attempting to do by communicating with me without my prior consent in direct violation of 15 U.S. Code 1692c ( a ) ( 1 ) ; 7. You Discover Fin SVCS LLC are also in violation of 15 U.S. Code 1692b ( 2 ) which states that you may not state that I a consumer owes any debt. Furthermore, you have attempted to communicate with me on multiple occasion which is a violation of 15 U.S. Code 1692b ( 3 ) ; 8. You are also in violation of 15 U.S. Code 1692e ( 2 ) ( A ) by giving false representation of the amount of debt allegedly owed and the false representation or deceptive means to attempt to collect any debt Pursuant to 15 U.S. Code 1692e ( 10 ) ; 9. Take further notice that Pursuant to 15 U.S. Code 1692e ( 9 ) articulates that the use or distribution of any written communication which creates a false impression as to its source, authorization, or approval as you Discover Fin SVCS LLC is stating that someone other then me a consumer in fact, is the creditor when I am the creditor Pursuant to 15 U.S. Code 1692a ( 4 ) ; 10. I hereby Demand! That you Discover Fin SVCS LLC cease and desist all communication and attempts to collect this alleged debt Pursuant to 15 U.S. Code 1692c ( c ) ; 11. Take further notice that your failure to follow these laws will result in me invoking specified remedies Pursuant to 15 U.S. Code 1692c ( 3 ). You have 10 days from the receipt of this notice to cease & desist all communication and remove all negative remarks from all three bureaus or I may seek damages Pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) ( b ) ( 1 ) ( 2 ) ( d ). Additionally I DO NOT consent to any automated scan response or e- Oscar verification methods. TERMS DEFINED PURSUANT TO 15 U.S. CODE 1692a 1. The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 2. The term consumer means any natural person obligated or allegedly obligated to pay any debt. 3. The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 4. The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. 5. The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. 6. The term location information means a consumers place of abode and his telephone number at such place, or his place of employment.
Company Response:
State: NY
Zip: 11729
Submitted Via: Web
Date Sent: 2022-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My account have more than 5 days freeze, I tried to contact them multiple they are no able to help me, they have a long wait time for more than 3 hours. I NEED TO PAY RENT, BILLS, I live by my own. They have my money. PLEASE HELP.
Company Response:
State: FL
Zip: 32507
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-18
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Its over month now and I am calling customer services number ( XXXX ) day and night from XXXX till XXXX everyday continuously and no one is picking the phone. My funds are hostaged by the bank and I am am able to add external bank account of mine to transfer money or pay bills online. I had tried every discover number and they keep telling me to call only ( XXXX ) to resolve this issue, however no one is answering on this umber and music keep going on for 2-3 hours and then call gets disconnected. please please assist me from this fraud bank.
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2022-06-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act Discover Bank # XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: NJ
Zip: 07083
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Paid for XXXX XXXX Hour Certification training with XXXX XXXX on XX/XX/2022 for {$990.00} with my Discover Bank Debit card. When you click on launch course it is a different course called XXXX XXXX which is the other certification program that significantly less. The course also has the same quiz with the same answers throughout the course, which a student can not learn. I was not able to finish the course because I noticed the errors and wrong course assigned from what I paid. I sent emails and contacted them for assistance, XXXX XXXX XXXX XXXX, to no avail. I have never received an acknowledgement of my email, nothing. When I called, the representative asked if anyone responded I said no. They kept referring me to the following email address, which is the same email address I have been using to get information. I am limited on time and the original course I purchased is done in XXXX XXXX - four days. The point is no one contacted me, nor assisted me. I found out the company is fraudulent is a scam having a different course with so many issues than what I paid for. I requested for a refund because they did not provide the promised product, service and assistance for what I paid. I gave them until XX/XX/2022 to respond again. As of XX/XX/2022, I still have not heard from the company. This was a classic bait and switch strategy. I had a feeling the company would not respond, on XX/XX/2022 I contacted Discover Bank to seek assistance in receiving my money. I wanted to file a dispute. The first agent told me it sounds like a valid claim, but had to transfer me to the dispute department. The rep told me she could not help because it does not fall under Regulation E and I authorized the payment. I told her I did not authorize fraud. I did not find out it was a fraudulent company with false promises until after. She kept invoking regulation E without explanation. I requested to speak with a supervisor and he kept invoking regulation E. Both reps told me to contact the XXXX XXXX XXXX In fact, the first agent said, if you threatened with filing a complaint, " I am sure you will get your money back. '' I said, I can not believe this. I kept telling them I have documentation, but they still refused to even open a dispute claim. I researched regulation E and it is a guideline for banks to follow, not mandatory. Most banks go above and beyond to assist their customers, especially with a case like mind. My case is a valid dispute claim under fraud and scam. On XX/XX/2022, per the Discover Bank representative and the supervisor with, I contacted the XXXX XXXX XXXX. As expected, the company has not responded to the XXXX XXXX XXXX. In fact, XXXX XXXX is in delinquent status with the state of Colorado, the state they are registered with. I also contacted the Colorado Attorney General 's office too, but there is no guarantee they would look at the case because they are backed logged with cases ( as stated with the email ). XX/XX/XXXX, I contacted Discover Bank was on the phone pleading with a rep and she kept invoking regulation E and XXXX is my only option. I told her the problems they were having and how I found out that this company has done the same to others across the country, and they are not a member of XXXX. I asked for a supervisor again, I was on hold for a while. I got a supervisor and told her the story, then we got disconnected. I tried calling back hold, then tried to find a supervisor for 25 minutes phone disconnected. XX/XX/XXXX- tried calling back, to no avail. Nobody responded. XX/XX/2022 - tried calling back on hold for the dispute department, went through, but was disconnected again. Called two more times, told the story and was being transferred to a supervisor named XXXX. I was in the middle of telling my story and we were disconnected again. Called back and spoke to a representative and she said she wish she could help but could not because it is not authority. She said, there is a message from XXXX that our phone was disconnected that his computer crashed during our conversation. She said she sent him a message to call me back, to no avail. I am still waiting for his call. What is disheartening is that after Discover Bank kept hanging up on me, no one tried to call me back. This is even after each rep confirmed my phone number just in case we get disconnected. Another issue, they would not even open a dispute claim to conduct an investigation! I told them I have documentation and they still refused. Also, I found out the first rep and supervisor put in the wrong reason why I wanted to dispute the transaction. I told the second rep that was wrong.
Company Response:
State: CA
Zip: 93535
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My Discover checking account with roughly XXXX in it was frozen for suspicious activity, with no instructions but to call their supposedly XXXX customer service. I called, was on hold for two hours, the call dropped. I called back, was on hold for an hour and a half before hanging up and trying the online chat. The online agent disconnected. The second online agent instructed me to call because she couldnt help, only the security team could. I called at XXXX, was on hold for XXXX minutes before reaching someone who informed me that only the security team can unlock my account, and theyre only available XXXX to XXXX XXXX on the dot this morning, I called the security team as instructed. I was on hold until XXXX, doing dishes, and the call dropped. I am now on hold again. As a 100 % online bank, you need to have accessible people who are actually capable of unfreezing accounts. Better yet, have them call us back when theyre available to help. Other banks offer to call people back when the hold times are outrageous. Or how about texting me to verify my transactions? If you cant offer reliable customer service XXXX, you should offer alternatives.
Company Response:
State: MD
Zip: 20814
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: received a correspondence from Discover dated XX/XX/2022, in reference to taking adverse action against my account attempting to explain why I was denied. Not only wasnt I put on notice of a reduction of the credit limit 45 DAYS prior pursuant 12 CFR 1026.9 ( c ) ( 2 ) ( vi ), I REJECT their offer of the new proposed credit line of {$11000.00} pursuant to 12 CFR 1026.9 ( h ). I in good faith exercised my right to extend credit as a consumer and a creditor and I was denied for no specific reason. Discover has clearly DISCRIMINATED against me pursuant to 15 USC 1691 ( a ) ( 3 ) with an alleged assumption that Im in a situation that affect my credit worthiness. The reason ( s ) provided were insufficient pursuant 12 CFR 1002.9 ( b ) ( 2 ) based on their decision to take adverse action from an obtained credit score at the time Discover obtained my information from XXXX. Discover also violated federal law and will be held civilly and criminally liable due to violating XXXX5 USC 1602 ( p ) for using my credit card ( as defined under 15 USC 1602 ( l ) ) with no apparent authority and I the cardholder and consumer received no benefit. Discover are now civilly and criminally liable under : 1. 15 USC 1611 2. 15 USC 1691e 3. 12 CFR 1002.16 4. 12 CFR 1026.1
Company Response:
State: PA
Zip: 19142
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Other transaction problem
Subissue:
Consumer Complaint: My ex sent me XXXX through XXXX XXXX sent it to an account that I don't use through discover I didn't make that account XXXX won't do nothing XXXX won't do nothing and discover checking said they have up to 90 days to release that money I'm on a fixed income and now I have disconnect notice on my bills I just want my alimony money that is sitting in a closed account I talk to XXXX from the executive office of discover he was supposed to make a decision this week and I haven't heard back from him this happened on the XXXX of XXXX
Company Response:
State: OH
Zip: 43228
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A