Date Received: 2022-06-06
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: it keeps asking me for the same info, that was provided and i/p correctly
Company Response:
State: TX
Zip: 763XX
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have settled this Debt with Discover there is no collection activity on this Account. Courts have ruled it is inequitable to allow a creditor to belatedly enforce the alleged debt after it received the tax benefit of the charge-off. See, e.g., In re Crosby, 261 BR 470, 474 ( Bankr. Ct. D. Kan. 2001 ) ( " The actual ( or at least potential ) tax consequences of the form make it inequitable to allow the Discover to enforce its claims against me. Discover Bank v. Shimer, 36 Misc. 3d 1214 ( A ), 1, 957 N.Y.S.2d 263, 263 ( N.Y. Dist. Ct. 2012 ) ( holding that it is inequitable to allow Discover to belatedly enforce the alleged debt after it received the tax benefit of the charge-off )
Company Response:
State: MI
Zip: 48219
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Received a letter dated XX/XX/2022 stating there was unusual activity on my account and call them. Called XXXX called and they wanted to know my S/S number was a recording. Called XXXX number XXXX and was put on hold, waited awhile and recorder said wait time at least XXXX minutes. Checked on line seems like fraud. Received XXXX letters on XXXX. XXXX dated XXXX which said I was overdrawn by {$1100.00} saying I could mail a check to the below address Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Called them at a number they supplied XXXX. A women answered and asked why I called. I explained it to her and she was going to hook me up with a direct line.! XXXX I told her that line will only ask for my S/S number so she hooked me up with another number put on hold forever XXXX letter dated XXXX was a repeat of letter received on XXXX.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: Discover Card perfomed XXXX Balance Tranfers for the same XXXX XXXX Credit Card both on XX/XX/XXXXThere should have been 1 single Balance Transfer made. Additionally they charged me a fee for each bal. Transfer. When the card was rejected on XX/XX/22 making a purchase is when I found the problem. When I phoned Discover on XX/XX/22 I was told to contact XXXX myself to retrieve the funds, they dont handle this. XXXX informed it could take up to 30 days to issue a refund to me of any kind. I requested the process begin. When I contacted Discover back and requested a supervisor she informed me billing could have taken care of the error. I requested both fees be credited for their errors. She stated they would refund 1 fee. I'm responsible for the other. I requested both fees be credited for my inconvenience and time. XXXX the supvr refused, and when I requested to speak to her direct report she informed me she didn't have one. I contacted Corporate and spoke to XXXX XX/XX/22 who said she would investigate and get back to me. As of now, I have only double fees, balances and an inabilty to use the card due to no credit availability.
Company Response:
State: AZ
Zip: 85251
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am reaching out to Discover about an account that I have been dealing with that has yet to be resolved. This account is listed as a chargeoff account that Discover has wrongfully accused me of. According to the black law dictionary, a chargeoff is an accounting term where one item is eliminated from the assets lists when it is lost or deemed worthless. In laymen 's terms, a chargeoff means the writing off of a debt. I am also aware that in order for something to be charged off, a 1099c form has to be completed. If the transaction is over {$600.00}, then that means that you are furnishing this debt as an income, not as a charge-off. If you have in fact listed this account as a chargeoff, I am demanding that you show proof where you have removed this asset from your book, as well as the 1099c proving that this debt has in fact been charged off. Providing the requested information that I mentioned will protect me as well as you from tax fraud. If you can not provide me proof of where you have removed this asset from your book as well as the 099c form proving that this debt has been charged off, I am demanding that you delete this account or I will press charges against Discover for racketeering.
Company Response:
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-05
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A discover card was issued in my name and mailed to me at my address. I did not apply for it and apparently the same individual tried to make a fraudulent bank deposit to the card.
Company Response:
State: LA
Zip: 70816
Submitted Via: Web
Date Sent: 2022-06-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I, XXXX XXXX, federally protected Consumer, have ordered my written instructions Cease and Desist pursuant to 15 U.S. Code 1692c ( c ). Discover Bank I demand you to remove all Negative Information according to federal law definition any form of default which is stated in my Cease and Desist. My Consumer Report shall be reporting 100 % positive and 100 % on time payments. If Discover Bank dishonor my Cease And Desist you shall be fined and imprisoned for not more than 20 Years or both pursuant to 18 USC 894 ( a ) ( 1 ) ( 2 ) as you are causing substantial harm to me and ruining my financial reputation for non repayment which validates you are extorting me by furnishing negative information and this is how Discover Bank shall be fined and imprisoned for 20 Years under title 18 U.S. Code 894 - Collection of extensions of credit by extortionate means.
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2022-06-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Im writing you today inquiring about what steps can I apply to be in good standing with the following organizations in the future : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX, DE XXXX Discover XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I filed for Bankruptcy in XX/XX/XXXX after trying to avoid it for two years due to the family hardship I endured while XXXX. After administering a self-assessment and the counsel of a financial advisor, I concluded the events and decisions that lead to the filing of bankruptcy. Shortly after entering the XXXX XXXX XXXX in XXXX, my wife had to XXXX XXXX in XX/XX/XXXX. Due to the XXXX XXXX XXXX XXXX being at XXXX capacity, my wife was informed she had to see a provider in the local XXXX economy that was approved by our XXXX medical insurance to XXXX XXXX. A week later my wife XXXX XXXX XXXX XXXX and after bringing her to the XXXX XXXX XXXX XXXX XXXX XXXX, the ER physicians informed us that the XXXXXXXX XXXX XXXX XXXX. Since XX/XX/XXXX, my wife has had XXXX XXXX to correct the XXXX she received off-post. My wife has XXXX XXXX XXXX XXXXXXXX and XXXX from the XXXX XXXX she's received. After receiving the notification that she would need another XXXX. I would go on small vocations lasting no more than four days to different countries while stationed in XXXX ( XXXX XXXX XXXX ). I did this to try to relieve the stress, tension, and XXXX between the both of us. In addition, I spent thousands of dollars trying different supplemental products we thought would assist with her other medical conditions that affect her anatomy. The prescription medications that were prescribed to her by Primary Care Managers always XXXX XXXX XXXX and I refused to let her deal with those issues without trying XXXX products. I've also flown family members to both XXXX and XXXX to assist with my wife 's XXXX XXXX XXXX XXXX. Lastly, my wife and I have an eighteen-year age difference and we share XXXX adult children and XXXX grandchildren. Due to the extensive amount of available credit on my credit cards, I assisted them irrationally in terms of my spending on our grandchildren 's quality of living needs. One of our adult children is a dependent that has lived with us at both duty locations. My wife and I are legal guardians for XXXX out of XXXX grandchildren. We currently have XXXX grandchildren residing with us in XXXX. One of our grandchildren previously lived with us for a year between XXXX and XXXX, and the financial obligations associated attributed to my debt. We've immediately decided to have a discussion following my bankruptcy with our adult children about their role and responsibilities as parents, adults, and to include our financial situation which pertains to a minimal level of support financially in the future. My bankruptcy was fully XXXX on XX/XX/XXXX and eliminated {$73000.00} of debt. Lastly, with this information in your possession could you please consider removing late payments from my ALL credit report because Id never missed a payment to include the payment that was due in the same month as my Bankruptcy was filed in XX/XX/XXXX. XXXX accounts affected : XXXX XXXX XXXX XXXX accounts affected : XXXX XXXX DISCOVER accounts affected : XXXX
Company Response:
State: HI
Zip: 96818
Submitted Via: Web
Date Sent: 2022-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My mother made a payment on my account using an ACH authorization that was scheduled with a live agent on XXXX XX/XX/XXXX with a live agent. The authorized ACH was in the amount of approximately XXXX dollars. XXXX, the live agent scheduled the payment and provided my mother with the reference number XXXX. The payment posted and no payment reports as having been returned. However, on or around XXXX XX/XX/XXXX I received notification that my account had been automatically closed due to non-receipt to keep the account open. On or around XXXX XX/XX/XXXX I spoke with a live agent. The live agent informed me that no payment had been returned. However, he did allege that Discover did present the authorization for payment to the financial services institution, but the financial services institution replied to the ACH authorization with an error code indicating that no such account existed with the information as presented by Discover to the institution. My mother contacted her financial services institution or around XXXX XX/XX/XXXX. Her financial services institution stated that NO request for an ACH authorization from Discover had been made since XXXX of XXXX. That is, the financial services institution has no record of any ACH transaction request from Discover for XX/XX/XXXX, and as such there was never a reply to an ACH withdraw from the financial services account. Despite this, Discover has stated it is unlikely they will reopen my account even if the error is on their part and instead opted me to place me in a payment program that temporarily reduces interest rates. Moreover, program enrollment erquired me to allow pre-scheduled automated ACH authorizations that can not be cancelled or changed other than using a live agent. There is no ability to modify those payments online, even to change accounts. This is intentional as Discover has wagered it is more likely that payments will go through by providing obstacles to alter payment information. The account became delinquent because I have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX- not because there was an inability to make payments. While I understand I am not blacklisted from reapplying for a new card, and appreciate the interest rate reduction program, the entirety of this situation seems to constitute an unfair practice under the CFPA, as I was never notified that the ACH transaction did not process for whatever the reason and therefore was never given the opportunity to cure the situation. In contarst, I have been given the opportunity to cure a returned payment, either by the system representing payment, or by me making a replacement payment online or over the phone. What's more it is my understanding that Discover has reported a missed payment for the month of XX/XX/XXXX and additionally reported that the account was closed by the creditor -- all because Discover 's system did not present the payment to the financial services institution as expected. As consequence, I was never able to exercise my due process rights pursuant to 12 CFR 1026.13. That is I was not able to exercise my right of notice and opportunity to be heard by filing a billing error notice BEFORE the system automatically closed out my account because I was never notified of any issue and Discover 's system reported the payment posted on or around XXXX XX/XX/XXXX. As consequence, the closing of the account, and the subsequent reporting of late payment and account closure to the CRAs would seem to constitute an unfair practice under 12 U.S.C. 5531. Finally, my payments became behind as I have struggled o communicate while XXXX XXXX XXXX XXXXXXXXXXXX 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 XXXX XXXX XXXX XXXX. In fact, my credit reports due not indicate periods of serious delinquency within the last seven ( 7 ) years other than a single thirty ( 30 ) day late payment for XX/XX/XXXX. That is, I continued to maintain the obligations after I first XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX of XXXX and struggled with XXXX from XXXX through XXXX, having XXXX XXXX XXXX XXXX in XXXX of XXXX. While I understand that credit scoring, credit modeling, and risk analysis never anticipated the far reaching changes that may come about as the result of a pandemic we are over two ( 2 ) years into the pandemic and it would appear financial services institutions have been entrenched in their desire to continue their usage of pre-pandemic risk exposure models to close accounts that, while perhaps unintentional, unfairly target individuals like myself who have struggled after XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 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 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 Yet, if I needed to make changes to account information for any automated payment, I would be forced to endure pain My underlying condition is itself considered a XXXX under the ADA. XXXX is considered a XXXX under the ADA. XXXX is considered to be a XXXX under the ADA. I don't think the totality of discrimination here could be any clearer, nor could the unfair practices be any more striking. I have filed a dispute internally with Discover. The Discover case number is XXXX.
Company Response:
State: MI
Zip: 48103
Submitted Via: Web
Date Sent: 2022-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
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: Discover Card I have disputed two charges in the {$300.00} range to my credit card account in the last year and no matter my argument about the charges they always side with merchants. It seems odd to me that they always side with the merchants because other credit card companies tend to agree with the customers if there are charge disputes.
Company Response:
State: MD
Zip: 21237
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A