Date Received: 2022-06-08
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 received a text text message at XXXX AM from Discover card services saying that a charge was being placed on my bill. The charge involved was on an old credit card from Discover that was used fraudulently not by me. The card was not lost stolen or anything but Discover card said that someone else had used fraudulently in another state. I immediately called and said that the charge which was a renewal of a XXXX membership card was not authorized because I had not authorized automatic renewal. Each time I called I was on the phone for an extended period of time. In about a week the company told me that they had taken the charge off my bill and I would see it on my statement in 10 days. That never happened. My credit card which Ive had since maybe XXXX is auto paid and never carries a balance. When this charge occurred it really was never taken off my bill and I paid for it. When I called the company to question they told me that the charge had already fallen off their copy and I should just wait a little longer. That never happened finally I called and spoke to a supervisor. the call took 47 minutes and she told me that even though the charge was put back on a subsequent bill and then taken off I made her realize that I had still paid for that on a previous bill she apologized all over the place and after 47 minutes of hold time while she was checking, said that the credit had been put on my old fraudulent case credit card number. She promised me that she would personally take care of it and I would see the credit on my billing statement online within 72 hours that was on XX/XX/XXXX. As of today I still have not received a credit that I can see another bill has been auto paid. This charge is for {$59.00} for a XXXX membership renewal. The supervisor told me that they realized when XXXX responded that I did not authorize automatic renewal. But I just cant seem to get my money back and I refuse to speak to these people anymore. They speak down to me and dont listen. they keep shuffling me from department to department. Apparently none of the departments speak to each other and they dont even make a referral to the other department. I want my money returned to my account. I feel like they have stolen money from me. I also feel like I have been bullied and abused.
Company Response:
State: NY
Zip: 141XX
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: The week of XX/XX/XXXX I wanted to close inactive account that was 16 % interest. Discovers retention dept offered 0 % for 12 months on old card. I agreed. Received new card on XXXX XXXX XX/XX/XXXX I get letter dated XX/XX/XXXX stating Discover will be closing my account. Spoke with an agent stating I had another open account. When I inquired agent would not give info about account. Spoke with several customer service reps account managers and fraud dept. one agent stated he had a pedigree. A supervisor in XXXX stated Discover can close customer accounts at any time. So because the portfolio dept didnt communicate with the retentions dept I am out a 0 % interest card for 12 months. The supervisor stated I could always apply for another card. The reason I had two cards was because in XXXX of last year I asked for 0 % again on my first card being a loyal customer they denied it so I opened new card and forgot about old 16 % card. I called today and the XXXX customer service rep was supposed to transfer me to supervisor and we got disconnected. When I asked one supervisor if I could record the conversation she said discover doesnt like that!
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a Charged OFF Account from Discover Account Number XXXX. I sent a notarized letter and a check to Discover to settle the account. Per USPS Tracking, Discover received both on XX/XX/XXXX XXXX. Per my bank, Discover cashed the check on XX/XX/XXXX. I spoke to a Customer Service Rep and was advised Discover will not abide by the notarized letter sent & the contract on the back of the check. I have a copy of the letter and the front & back of the check that was cashed. Discover is breaking the law.of 15 U.S. Code 1681 S-2. Discover rep acknowledged they cashed the check & will not follow the contract.
Company Response:
State: NJ
Zip: 07205
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: -On XX/XX/2022 I opened a checking and savings account with Discover Bank XXXX -On XX/XX/2022 I sold my home and provided the Discover Bank Checking account as the account that the sale proceeds should be wired to. -On XX/XX/2022 the wire transfer was successful, bringing my Discover Bank checking account to {$180000.00}. -I made multiple point of sale transactions on the account, some ranging up to {$1500.00} without issue. -On XX/XX/2022 I requested an outgoing wire transfer of XXXX via the Discover mobile app. The wire was to a car dealership to purchase a vehicle. I included the vehicle 's VIN in the wire request. After submitting the wire request, I called Discover Bank and spoke with someone in the wire department to verify that I authorized the wire. The representative told me the wire was authorized, and that the funds would be sent out the same day. -On XX/XX/2022 I tried to login to my Discover account to see if the wire had gone through, and I couldn't log in. I was given a message that suspicious activity was detected on my account with a number to call. -On XX/XX/2022 I called the number provided in the message, and the fraud department representative informed me that a business decision was made and my account had been closed. I asked why the account was closed, and she said the only information she could provide was that a business decision was made to close the account. I asked where the money in my account would go, and they said they would mail me a paper check in 60-90 days for the remaining funds in my account, which at the time the account was closed, was around {$170000.00}. -I told the customer support representative that this was unbelievable and that the money in my account was from the sale of my home, and the outgoing wire transfer was to purchase a vehicle for my family. I asked why no one contacted me if they believed my activity was suspicious or fraudulent so I could clear up any concern, and she said that all should could tell me was that a business decision was made to close my account. I asked how my money would be returned to me, and she told me it would take 60-90 days to return my money. -The activity on my Discover account was legitimate and was not fraudulent in nature. And still, Discover Bank closed my account. As a result, I've lost access to the funds I earned from the sale of my home, for up to 90 days. Additionally, I lost the vehicle intended to purchase because Discover Bank canceled the outgoing wire before closing my account. The money I used to fund this account was not fraudulent, I could have easily proven where the money came from ( the HUD from the title company ). If this was their concern, I should have been given the opportunity to provide information as to where this money came from so the bank felt comfortable with me maintaining the checking account. The money I attempted to wire to a dealership was not fraudulent- I wanted to purchase a car for my family. Discover is not a physical bank, so I could not request a certified check- the only option I had was to request a wire.
Company Response:
State: NC
Zip: 28311
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
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: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Company Response:
State: WI
Zip: 53217
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I tendered a payment under UCC 3-603 certified mail # XXXX XXXX XXXX XXXX XXXX Billl of exchange Money order # XXXX on XX/XX/XXXX via notary presentment with Form 233, and 1040v
Company Response:
State: NY
Zip: 10030
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the items on my credit report and it's been well over 30 days and I have not received any investigation results.
Company Response:
State: IL
Zip: 60432
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
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 entered into a Consumer Credit Transaction with DISCOVER BANK on XX/XX/XXXX in which I used my social security card, commonly known as a credit card pursuant to 15 USC 1602 ( l ) which is tied to an open end credit plan pursuant to 15 USC 1602 ( j ), according to 15 USC 1666b, creditors can not mark late payments on open end consumer credit plans. Further more according to 15 USC 1681b ( a ) ( 2 ) I never give DISCOVER BANK any written permission to furnish any information on my report. Further more pursuant to 15 USC 1681a ( 2 ) ( a ) ( i ) late payments and utilization which are defined as transaction or experiences are not to be reported on a consumer report. DISCOVER BANK is illegally furnishing information which is causing me great stress, and financial harm. I sent out a dispute letter on XX/XX/XXXX, in which I gave them 14 days to respond upon receipt of the letter, which they received on XX/XX/XXXX. It has been 14 says and they have failed to make any changed to my consumer report.
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I noticed 2 payments out of my bank account in large amounts after I made a payment to Discover. After examining my bank account, I did not authorize these payments. I contacted Discover, spoke with 6 people- one supervisor listened to calls and found it was fraud. A man called to make payments and the agent did not fully verify my account. She said the agent said well do you want to pay with account used last month. This is a no no - Agents need to follow protocol. The only person that attempted to help was XXXX in the Fraud Dept but said he would escalate the issue to Executive Complaints. He said it would take 2 to 3 days to receive my refund. Well it has been 6 days. People have rent/car payments and other things to pay and a Landlord will not wait. I contacted Executive Department and spoke with XXXX who suppose to be handling my complaint, all she did was repeat herself, no remorse, no apology for their negligence. This company has put me in a bad place with paying rent and maybe on the street. They don't show empathy - claims this is as far as you can go, well bull. I worked complaints for a huge corp and you have a 24 to 48 turnaround. Now if they know it was not me and it was fraud- continue investigating but put the persons money back in their bank account. I don't understand this. It seems like Discover is covering something up. Agents rude, supervisors transfer you all over. I was on the phone from XXXX to XXXX. This is just not right - we live in the XXXX and should treat people better and have a better method. I blame them for their incompetent 's employees who don't follow their training properly. I want compensated. I want a letter from them explaining all of this. My next step is to go to the Governor and then News channel if you guys can't get this resolved ASAP. They want their payments then I want my money back in my account so i can pay my bills. I have been a loyal customer to them and a good paying customer. So if they don't give a dog___how they treat their customers then i don't care going forward if they get paid. No wonder this country is in a mess, greed. Please help get this resolved. XXXX XXXX is the CEO of the company. Their phone number is XXXX. XXXX was no help at all. The guy I spoke with while she was at lunch at noon said to call her back at 3, well that is a long lunch break. He also told me what he can see no one has done anything with my complaint but she said she had it right there working on it. It is not her money or her company- she acts like she don't care. wonder if it was her. she needs to work and stop sitting around talking and snaking. I want the CEO to contact me.
Company Response:
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have explained in detail that I was a victim of identity theft and no one is taken the steps to get it resolved. customer Service is hottible
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A