Date Received: 2022-06-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been with Discover Bank since 2016. In 4 months time, I have had 3 unauthorized charges in my savings account. My credit cards have also been compromised. Most recently, I had a charge of XXXX I did not make. I insisted Discover change the account number as this had happened more than once. I assumed this was the end of it, but Discover reversed the credit without explanation. During the initial call to Discover, I learned that someone had made the XXXX XXXXransfer from the account using a name similar to mine, but with a different initial. I believe XXXX XXXX? I did not note it down at the time.
Company Response:
State: WA
Zip: 98006
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: XXXX XXXX PM - I received an email stating : " We're writing to let you know that we noticed unusual activity on your account. For security purposes, we have suspended access to your account. If you have already spoken to us about this, no further action is needed. Here 's what you need to do : Call us immediately at XXXX ( TDD XXXX ) to discuss your account. Our 100 % XXXX-based customer service team is available 24 hours a day, 7 days a week. '' XXXX XXXX AM - I call XXXX in regard to losing access to my online account, after holding for 15 minutes. XXXX XXXX AM - I call XXXX in regard to losing access to my online account, and after being on hold for 1 hour and 21 minutes, I hang up, as the wait time was much longer than expected, and I plan on calling back at a later time. XXXX XXXX PM - I call XXXX in regard to losing access to my online account, but my phone glitches. XXXX XXXX PM- I call XXXX but the line states that the wait time is still over 90 minutes, so I decide to call again later. XXXX XXXX PM- I call the alternative number listed in the email, XXXX, being put on hold for 3 hours and 13 minutes, then I am hung up on. XXXX XXXX PM- I call XXXX but the line states that the wait time is still over 90 minutes, so I decide to call again later. XXXX XXXX PM- I call XXXX but the line states that the wait time is still over 90 minutes, so I decide to call again later. XXXX XXXX PM- I call the alternative number listed in the email, XXXX, being put on hold for 30 minutes, speak to a representative, and am told that the line is only for credit card issues, and that I should call XXXX. XXXX XXXX PM- I call XXXX, expressing the urgency of not having access to my primary bank account for three days now, am denied a request to speak to a supervisor, and am told my only option is to call the number I've been attempting to call the past three days, but have received no response from. XXXX XXXX PM- I call XXXX but the line states that the wait time is still over 90 minutes, so I hold for 27 minutes, and decide to call again at a later time.
Company Response:
State: IL
Zip: 60543
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
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: FL
Zip: 32712
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I was with discover for a few years and Ive always paid my card off in full every month. They cancelled my card out of nowhere. Ive called so many times like 10 trying to get answers with no response. Please help!
Company Response:
State: FL
Zip: 34221
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: For a long time now, over a year, my Discover credit card has not appeared on my XXXX credit report. I have tried to call Discover and XXXX to resolve this issue, to no avail. Around XX/XX/XXXX or so, I opened a dispute with XXXX about the issue. On XX/XX/XXXX, I was told the dispute is closed because they can not add items to my credit report as the result of a dispute, and refused to look into the issue further. Discover has assured me that they send monthly reports to XXXX just as they do the other bureaus, and on my request, has sent them off-cycle reports, so I believe the issue to be XXXX 's fault, despite their insistence that it is not and that they will not do anything about it. As a result of this, my XXXX credit score is XXXX points lower than my XXXX and XXXX scores.
Company Response:
State: WA
Zip: 98006
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: Im a XXXX and offer XXXX. I was contacted by someone seeking XXXX and come to find out it was a scam. They sent me a check which I cashed through my bank : Discover Bank. The check was returned 3 days later but with no explanation other than contact sender. I explained to the bank that I believed the check was valid because it was cashed and my bank said the funds would be available early, that same day of XX/XX/XXXX. There was no fraudulent warning when I deposited the check. I contacted the fraud department but they were unwilling to give me back the {$1500.00} that were sent out from the funds of that check because they said I willfully deposited and sent out the money. The person that sent me the check does not answer my texts or calls and they have a XXXX number. I filed a fraud claim with h to he FTC. I hope you can help please. Im a XXXX and on a single income for my family. Thank you!
Company Response:
State: GA
Zip: 30115
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022 Discover Bank shuttered my checking account. We I finally was able to get through to them a representative could not provide a specific reason why it was done. The only reason provided was a " business decision '' was made to close the account. I was then told the funds would be dispersed in 60 days. The funds amount to approximately {$4500.00}. I no longer have access to the account in any way. the {$4500.00} they are holding can not be replaced without great difficulty. I can not see what recurring payments were scheduled to go out or were recently sent. I was told a statement would be made available via mail. To do this to customer in good standing is abhorrent.
Company Response:
State: NY
Zip: 11001
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I recently signed up for a Discover Credit card and when my card arrived, I logged in to sign up for the online account. In doing so, it prompted me to " link '' my two accounts. After entering my SSN for verification, I saw I had a Savings account .... which had a phone number and email address I did not recognize. I immediately called Discover. After being bounced around to 3 different departments/people over the course of about 1.2 hr, I was placed on hold for " the next available associate '' in the Banking Fraud Department . Estimated wait time was 90 minutes. I sat on hold for 2hours and Discovers ' line HUNG UP. I called back, was going to be redirected AGAIN but I asked to talk to someone ASAP. The banking department was able to locate this Fraud account and " freeze '' it BUT would not give me access. The Fraud department would still have to handle my account but at least the account was " frozen ''. At this point, I asked whether or not someone ( whoever this person is ) would be able to regain access.. the associated replied " well no because they don't have your information '' ... which I then said " the phone number on the account is not mine ''. These people have been able to open a bank account so they must have identifying information.. the associate then said they would put a note on my account so it re-directs to FRAUD instead of having to verify by text ( which the number, again, was not mine so this fraudster would be able to do this ). This is now the 3rd bank account that has been opened in my name so I'm somewhat familiar with the process. I do not, however, understand WHY it is THIS easy to open a bank account without Verifying the Address. The address this person used was an address in a completely different state ( that I have never visited, travelled through let alone lived in ) and a phone number that was never associated with me in the first place. I checked my XXXX report and there was XXXX inquiries from DISCOVER for the savings account. I did see the inquiry for my Discover CREDIT card ( which was me ). I opened that card on XX/XX/2022, this fraudster opened the savings account on XX/XX/2022 With all that being said, I've spent the last XXXX hours on the phone at a total of 9.5 hours WAITING ON HOLD for the banking FRAUD department. I was hung up on while on hold over 2 hours TWICE. Each time I called, it gave me wait times ... 30 minutes, and over 90 minutes... I waited each time and they exceed those wait times every single time. This morning I called at XXXX EST ( you guys open at 8 ) and just sat on hold again for an hour only for the call to go dead AGAIN... I need to talk to the banking fraud department because this accounts ' information MUST be changed ASAP, the account MUST be closed!!!!! I can not do ANY of that unless I talk to the FRAUD department.. This has seriously made me want to cancel my credit card with Discover ( that I JUST received ) because I'm terrified that this person would have access to this card Now that they have a Savings Account under my name. Can they link the accounts? WHO KNOWS BECAUSE NO ONE WILL ANSWER THE PHONE. The fact that BOTH were approved within days of each other BUT the address, phone number and Email was ALL different blows my mind. it should not be this EASY to open accounts!!!!!! and it should DEFINITEY NOT be this hard to gain access to accounts listed in your own name! I was told that I would receive a letter in the mail ( by the banking person ) But I said ok, which address .... and they said the address on the account. THAT DOESNT HELP ME! I did, however, XXXX the address ... and it doesn't even exist. The street, city, state and ZIP exist ... but not the address ... so the bank account was opened with an address that isn't even real. GREAT JOB!
Company Response:
State: PA
Zip: 18045
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/2022 I sent a cease and desist letter to Discover and debt validation. Discover did not respond at all. I listed the violations and my specified remedies for civil penalties for violating FDCPA. Discover did not have prior written consent to contact me about a debt. Discover has reported late payment to credit reporting agencies. I am a victim of identity theft because Discover gave my cellphone number to a skip tracer to call me. Discover misrepresented a credit of {$5700.00} as a debt. The amount is showing as a positive balance. On XX/XX/2022, I received a collection letter from Discover after they were sent a cease and desist letter. Discover did not pay the civil penalties of {$14000.00}. References : 15 USC 1692 15 USC 1643
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2022 at XXXX, I received notifications ( via both the Discover Banking mobile app and email ) that Discover Bank XXXX noticed unusual activity on ( my ) account '', and that my account access had been suspended " for security purposes ''. I was given a number to call and was told to call " IMMEDIATELY ''. The notice also said quote : " Our 100 % U.S.-based customer service team is available XXXX hours a day, XXXX days a week. '' I checked that the number was correct ( Discover Bank 's Fraud and Phishing Detecting Hotline ), and proceeded to call the number. After being put on hold for an hour without any additional information, I hung up. Later that day at XXXX ( midnight ), I tried calling again. This time, I was redirected to an agent who told me that the Security department had closed for the night and to try again the next day. The agent also informed me that the department behind that hotline was only available from XXXX to XXXX EST. This was already in conflict with what the notice mentioned about their customer service team being available XXXX. I tried calling again the next day at XXXX, and was put on hold all the way until XXXX, at which point I could not remain on the phone due to family and working commitments. I called Discover Bank 's general hotline, and managed to speak to an agent who could only tell me that they could not access my account at all, and that the Fraud hotline was the only way I could do anything with my account. The next day I woke up at XXXX minutes before XXXX EST, and initiated a call exactly at XXXX EST to the Fraud hotline again. However, the machine-based system still put me on hold for over an hour once again. There is clearly nobody manning the phones behind this hotline that is supposed to have XXXX actual human support. This is made all the worse by the fact that the freezing of my account literally impacts my family 's and my ability to make purchases for daily necessities, such as groceries. Discover Bank really has no place in today 's financial world if all they can do is lie about how they are an online-only bank, and then provide such ambiguous process for customers.
Company Response:
State: CA
Zip: 94043
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A