Date Received: 2022-06-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: - Discover bank notified me via email on XX/XX/2022 at XXXX that my accounts were frozen ( see attached file titled " XXXX DIscover Frozen Accounts Emails.pdf '' - this file contains all 3 emails I received, one email per account with Discover Bank ). I was informed in this email that I must call them immediately. I attempted to call them on XX/XX/2022, XX/XX/2022, and XX/XX/2022 and was met with 1 hour or longer wait times each time. I finally reach Discover Bank on XX/XX/2022 around midnight. I was informed by the customer service agent that my account were frozen " due to a business decision. '' The representative could not provide further explanation. The representative informed that I would receive my funds " within 60 days. '' The representative offer to schedule a " supervisor call-back '' - I accepted. I was informed that the call-back would occur within 24 hours. As of this complaint, I have waited greater than 24 hours. I have not been called, emailed, or notified in any manner. - On XX/XX/2022 at XXXX I called Discover Bank again ( see attached file titled " XXXX Discover XXXX '' ). I explained my situation to the representative named XXXX XXXX supervisor 's name is XXXX XXXX. XXXX informed me that my accounts with Discover Bank were being handled by the fraud department. XXXX informed me that she could not elaborate further about the status of my accounts or on anything in relation to my accounts. I notified XXXX that I am filing a complaint with the FDIC and my state 's attorney general 's office. XXXX offered to file an internal complaint on my behalf- I accepted. XXXX could not provide a confirmation number for the internal complaint. - My 2 checking accounts and 1 savings account with Discover Bank hold nearly all of my liquid capital. Discover Bank froze my assets without notice and without cause. I am left penniless with bills coming due including credit card payments, rental payments, electricity payments, and home internet payments. This does not include the bare necessities I need to live like food, water, or transportation. I can not pay for anything because of the position Discover Bank has left me in.
Company Response:
State: AR
Zip: 729XX
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I called your department after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that these were Charge off accounts on my credit report. I was a casualty of savage wrongdoing. I'm not liable for these accounts, no police report or fraud affidavit is possible and no information or document is in my possession. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. A copy of my Bank Statement, Drivers License, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following inaccurate names : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXPlease verify the following incorrect names. I think there may be an error, please remove as per FCRA 605B, also inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis isn't my home address. Per Fair Credit Reporting Act Section 605B you are required to remove the undistinguished address on my credit report. This account included in the dispute are : DISCOVERBANK XXXX
Company Response:
State: NY
Zip: 10952
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
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: My family and I were supposed to take a trip the summer of XXXX and due to covid the trip was canceled. We purchased flights from a company called XXXX XXXX XXXX. This company agreed to refund us our money for the flights due to the circumstances and never did. We purchased the flights with our discover card. I have attempted to call XXXX XXXX multiple times since the event and have resulted with XXXX resolve. I then contacted Discover and let them know about the situation and they said they had no control over how they were refunding. We have yet to receive a refund and this occurred in the XXXX. I have since called discover and XXXX XXXX approximately every Friday since XX/XX/XXXX. The amount at hand is {$2900.00} U.S. dollars. Discover continues to tell us there is nothing they can do. I continue to argue that we used the credit card to guarantee us a security blanket in case of any issue.
Company Response:
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was reported late late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. For the months of XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX I received late fee waivers. I am requesting that the payment history be updated as the CARES Act states, if an accommodation is made the credit reporting should show as current for the months of the accommodation. An accommodation is an agreement to defer one or more payments, make partial payments, forebear delinquent amounts, modify a loan or contract, or receive any other assistance or relief granted by a creditor, to a consumer affected by COVID-19 during the covered period. The covered period is the period beginning on XX/XX/XXXX and ending 120 days after the national emergency terminates. Additionally there is a known issue with Discover and XXXX bank where the system is not reading or sending the payments correctly. I was previously advised by the Executive Office that if I made a payment online, the system would read it correctly. For all other months that I was late in XXXX XXXX, the money was in my XXXX bank account however it was not processed. I have tried many things to rectify the situation and now I have made a new bank account with XXXX XXXX However due Discover placing a hold on my payments for returned payments that were not my fault as the money was in the XXXX account I received late remarks. I would like those changed as again it was not my fault as I was told countless times, the payments would go through. Also I would like the 8 day hold for payments that is has been on my account for 2 years to be removed.
Company Response:
State: OH
Zip: 43204
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Account ending in 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 a 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: MS
Zip: 396XX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Thank you for taking the time to read this letter. My name is XXXX XXXX, my email address associated with my account is XXXX. I am writing because there was a Discover Card account opened fraudulently in my name on XX/XX/XXXX. I was a victim of identity theft during that time, and I have a police report that proves this and I have submitted the police report through the 3 credit bureaus many times. I have disputed this Discover account for years to no avail. I even had my wages garnished for this account once it charged off even though I repeatedly stated that this account did not belong to me. I have submitted my police report on numerous occasions and Discover Bank still will not remove this account from my credit report. On XX/XX/XXXX, Discover Bank finally mailed me a letter stating that they requested the removal of this tradeline from the 3 credit bureaus. I can provide this letter if needed. Unfortunately, XXXX still will not remove this account from my credit report. I even submitted the letter from Discover directly to XXXX and they stated that they still will not remove this tradeline from my credit report. On XX/XX/XXXX, I called Discover and asked them if they would please draft another letter in hopes that XXXX would accept the new letter and finally remove this fraudulent tradeline off my credit report once and for all. The customer service rep was not helpful and stated that I would have to re dispute the fraudulent account. This made no sense to me as I already disputed this account on many occasions and Discover Bank finally agreed to have this tradeline removed as of XX/XX/XXXX. At this point, I am very frustrated, and I do not know which way to turn. I am a single mother, and I am in the process of buying my 1st home for myself and my daughter. Having this charged off account on my credit profile is hindering my chances at home ownership. I am asking for your help with requesting the removal of this fraudulent account from my XXXX credit profile.
Company Response:
State: NJ
Zip: 08054
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: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Date : XX/XX/XXXX Amount : {$3100.00} Merchant : XXXX XXXX XXXX Fraud dispute : I was not authorized the above transaction. My Discover credit card was stolen and not kept in my position since I left the USA in XX/XX/XXXX. I am still out of country but realized there is a big charge posted to my account posed in XX/XX/XXXX. The company has not solved the issue, and even worse, someone has also stole my online account information and try to file a billing dispute on behalf of me with fake ID. Of course, it is not appropriate and I have to report this case to CFPB for the further action. To help you better investigate the case, I have attached the most recent XXXX ( Official document of XXXX XXXXXXXX XXXX XXXX ) for your reference. Please note that any phone call related to my account would be fraud because I am out of country with no local phone connected.
Company Response:
State: MD
Zip: 20832
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: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: On XX/XX/2022 I received a notice on my XXXX XXXX that Discover had made an inquiry into my credit history. On XX/XX/2022 I received a Discover credit card in the mail. I did NOT apply for this card. I contacted Discover on XX/XX/2022. They canceled the account and informed me they would begin an investigation. They asked me if I recognized an address in Ohio, which I did not.
Company Response:
State: NY
Zip: 12302
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I got emails from these companies and noticed that my credit file was locked at the time of these inquires. I tried disputing this with both companies as well as the credit bureaus. They keep referring me back to each other. I havent had an inquiry on my account since XXXX
Company Response:
State: AR
Zip: 72015
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2022 I received an app notification from Discover bank that there was an issue with my account and to call them. We waited on hold for over 10 minutes with the number they provided and when we spoke to an associate they transferred us to the fraud department. We were hung up on. We did this two more times before getting the direct number. When we called the fraud department we waited over an hour to talk to a representative. The rep told us that our account had been closed due to a " business '' decision and no other information was provided. They would not tell us when our money would be released, or how we would get it, they repeated over and over again that they'd have a supervisor call us. We called back later that night and the wait was over an hour and 20 minutes. This agent ( XXXX XXXX told us that it would take 60-90 days and refused to answer any other questions. He also said a supervisor would call back, but that never happened. It's been over 48 hours. They did tell me in the course of this conversation that they had canceled the wire transfer to my landlord ( the same one I make on or around the 1st of each month to the same person, at a local, XXXX XXXX ). We made no unexpected purchases, we did not deposit any money from bitcoin or other cryptocurrencies. We do not have a history of bounced checks. We had one transaction fail because my deposit was delayed by a day due to memorial day and it was able to go through the next day. All but {$200.00} of our money was in this account and they prevented us from paying for rent, our utilities, and basic necessities like gas and groceries. We had to get money from our family to be able to make ends meet, with no information on why they did this. If we did not have that financial support, we would be at risk for homelessness. It is inconceivable that Discover should be allowed to do this. I made a public XXXX and XXXX post and users are commenting that they experienced the same thing this weekend. Either Discover was compromised and this is their solution, or their fraud automation is broken. Whatever the reason, they have put immense burdens on their consumers who are already feeling the deep pains of inflation and gas hikes.
Company Response:
State: MD
Zip: 20850
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A