Date Received: 2022-05-23
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XX/XX/2022 my wife and I were interested in buying a home lot in XXXX According to the sales person a 5 % down payment which can either be via money wire or check is needed to create a sales contract. In the event we don't reach an agreement on the contract, I was told that my money will be returned to me. So since I have my money in an online saving accounts with Discover bank, I opted to do a money wire transfer. The total amount was for {$41000.00} that was wired to XXXX XXXX account in XXXX XXXXXXXX XXXX. In the evening of XX/XX/2022 after the wire was made, we did not reach an agreement and I did not sign any documents and was told by the seller that they will not accept the wire or if it happens to be in the account that they would refund it. As of today XX/XX/2022 neither the seller says the received the wire nor my bank has any information. When I called Discover bank they told me the wired the money but for some reason they have been trying to get additional information from Federal reserve but with no success so far. I called more than 5 times already in the last two weeks. The sellers office called me last Thursday stating that they did not received any money and that I should stop calling them. I called the federal reserve and they said they don't hold money and that I needed to file a complaint with the CFPB I need to know what happened to my money and why the information is not being released. I will enclosed some attachments as proof of what I am saying. Please don't hesitate to email me or call me at XXXX should you have any questions. Sincerely XXXX XXXX
Company Response:
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/22, I received an email from Discover Card Services that they had closed my account due to not being able to verify private information. When I reached out to the customer service associate, explaining that I have had this card since I was a college student and received no notice from them regarding the need to verify information, they remained firm that they were closing my account and could do so accordingly. Had I been told that I needed to verify information, and what information, I would have provided it accordingly. They are wrongfully providing harm to my credit report by closing an account with an active balance to my card. I loved being a loyal Discover Card customer, used my card frequently, but now they want me to reapply to reopen my account. I do not want to do that. I want my old card/account back.
Company Response:
State: MD
Zip: 21742
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
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 Friday, XX/XX/XXXX at XXXX a message came up on my laptop from XXXX saying my laptop has been disabled and to call them immediately to rectify the situation. I literally couldnt do anything on my computer so I thought it was legit. XXXX answered and had me do a few things to see what was happening. He discovered that my laptop had been hacked. He had me download something so he could have remote access. He said my laptop, phone, email and Discover card had been taken over. He told me to get my Discover card and he would do a 3 way call. He said they probably wouldnt talk to me with him on the phone for security purposes. So XXXX from Discover called me back, and when she called back it literally said Discover so again I thought it was the real Discover. She said that there was a {$7000.00} charge for an adult website in the XXXX XXXX. I said I would have gotten an email because I have alert set up for anything over {$50.00}. She said we sent you an email but the hackers got control of your email and responded that yes it is me go ahead and approve transaction. She gave me two options to rectify the situation. The first one made no sense, but the second one was to go and buy gift cards in the amount of {$7000.00} to put that on a new Discover card so when the $ XXXX charge tried to go through, the money wouldnt be there. She said time was of the essence and I had to act fast. She instilled panic in me and so I wasnt even thinking clearly. She said if I didnt do this my laptop and everything on it including all of my passwords would be held hostage and would be accessed by these people. So of course I wanted to make the situation right. I believed her. I was acting under duress. They first had me go to XXXX to buy XXXX {$500.00} gift cards. Then to XXXX XXXX to buy XXXX {$500.00} gift cards. Then I went to XXXX but the transaction wouldnt go through. They then transferred me to the real Discover and I said I was transferred which that should have been a red flag to Discover. The XXXX transaction never got approved. I then had to go to XXXX to buy XXXX {$500.00} XXXX gift cards. I was told they would cover the other {$500.00}. I even got texts from Discover, so again thought it was the real Discover having me do this. Around XXXX I realized I was being scammed. I immediately called all the gift card suppliers but they had already been used. XXXX opened up a case, case # XXXX. XXXX opened up a case, I spoke to XXXX Case # XXXX. They said that the scammers had the funds transferred to their XXXX XXXX. I spoke to XXXX they used the cards at XXXX, XXXX. Merchant ID is XXXX, Transaction IDs are XXXX and XXXX. I called XXXX Sheriffs department who came out and took a report on Saturday XX/XX/XXXX at XXXX. I spoke to Deputy XXXX Badge # XXXX and Report # XXXX. He took my statement and took pictures of all of the gift cards and receipts. Deputy XXXX said I was acting under duress and Discover should be held responsible. He said not to take no for an answer and to keep going higher up until the charges are covered. I called Discover on XX/XX/XXXX at XXXX to tell them I had been scammed. I spoke to XXXX and she told me that because they are gift cards, Discover would not be able to help me. On XX/XX/XXXX at XXXX. I spoke to XXXX, gave her report #, officers name, badge #, and phone number. On XX/XX/XXXX at XXXX I spoke to XXXX in fraud and she took my statement. She also said that because these were gift cards more than likely nothing they can do but it will be assigned to investigation within XXXX days. On XX/XX/XXXX, spoke to XXXX in investigations I explained again what happened and she also said that unless it was a case of someone using my card, it more than likely wont get approved. I asked to speak to her supervisor. She said she was unavailable. She said that XXXX would call me back. On XX/XX/XXXX at XXXX, XXXX the supervisor in Investigations called me I told him how I dont appreciate how I am being treated as if I did this on my own free will and how I would be held responsible for these charges. He said that he will document that Discover should have been more aware of the tranactions when I was transferred to them especially since its the stores scammers have people go to, high amounts, and even amounts so clearly it wasnt merchandise. I asked if he wanted me to send over pictures of the gift cards and receipts. He said no. I asked if he will be obtaining the report copy from the police and he said that they would definitely be working with the police on this. Key Points Why Discover Should Cover This : While on the phone with the scammers, they connected me with the real Discover. When the real Discover came on they asked how can I help you. I said I dont know I was just transferred to you. This happened four times when the transactions were being declined. This should have thrown up a HUGE red flag. One, there must be a way Discover could have seen who transferred me to them. Also, the fact that I kept calling, or rather being transferred, asking for all of these transactions to go through-high even amounts, clearly not buying merchandise. Discover should have asked like what are you trying to buy, whats the reason for going to multiple stores, also when the transaction didnt go through at XXXX, then going to a different store to see if it would go through. That should throw up a red flag. When the scammers called me, the name Discover came up on my phone, so I thought it was the real Discover. I was getting text messages from Discover to approve transactions. Discover fax XXXX, case # XXXX I have contacted the media and they reached out to Discover. I have written to Discover explaining what happened. I have appealed Discover 's decision. I have filed a complaint with the FTC and CA state attorney general 's office. I also of course filed a police report.
Company Response:
State: CA
Zip: 95628
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX XXXX has been reporting a late payment on my consumer file with XXXX. XXXX and XXXX XXXX XXXX is reporting a late payment every month since XXXX XXXX and. XX/XX/2022 on a closed account which is in violation of my consumer right 15 USC 1681 ( c ) no adverse action shall not be reported 15 USC. 1681 ( s ) 2 Responsibility of Furnishers has violated my right to accurate information 15 USC 1681 ( I ) a 2 how promptness in how notifications should be handled.
Company Response:
State: PA
Zip: 179XX
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I requested a wire transfer from Discover Bank to XXXX XXXX XXXXXXXX on XX/XX/XXXX for {$2600.00}. Transfer was the earnest money being sent to Title company for my first home purchase. I was contacted by Discover Bank on XX/XX/XXXX, to confirm my details like Name and DOB. Funds were withdrawn from my account on the same day. XX/XX/XXXX, I contact Title Company and tell them check their account for the money. They can not find the transfer. I contact Discover Bank, they tell me to wait XXXX XXXX business days for transfer to complete. Title Company recommends I contact Discover to verify transfer details are correct. XX/XX/XXXX, I contact Discover Bank Wire Transfer Department, reconfirm account number and Routing numbers and other details are correct. Considering they may have provided the wrong information, I also confirm transfer details with Title Company Receiving funds. XX/XX/XXXX, I contact Discover again and they claim transaction is complete giving me a " Fedwire number '', I provide this number to the Title Company. They feed this information to XXXX XXXX XXXX wire transfer. They tell them that the number provided is not a XXXX number. XXXX XXXX I wait for transaction to settle. XX/XX/XXXX XXXXitle Company calls me, let me know that the deal will fall through if I don't send the money by Friday. Seller was ready to back out. I call Discover Bank ask about the wire transfer. They say the funds are at the Fed. That they have done all they can, and they can't help me anymore. XX/XX/XXXX I initiate another wire transfer for the same amount {$2600.00}, from another personal account in Discover Bank. Title company contacts me to let me know they have received the money. Saving the deal. I contact Discover Bank, to initiate a recall on the first wire transfer. I don't receive an email or confirmation about it. XX/XX/XXXX XXXX contact Discover Bank as to the status of the wire transfer recall. They say that maybe the transfer is " stuck '' at XXXX XXXX XXXXXXXX wire department. They suggest I contact XXXX XXXX XXXXXXXX. I feed this information back to the Title Company. XX/XX/XXXX Still no solution...
Company Response:
State: TX
Zip: 78840
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Per the report furnished by XXXX, there are 4 inquiries that are fraudulent and unauthorized ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discover Financial SerXXXX XXXXXXXX XXXX XXXX XXXX ). As the original creditor, I am reporting this as fraudulent activity, and identity theft. Per the FCRA section 606 ( d ) ( 4 ) -- A consumer reporting agency shall not prepare of furnish an investigative consumer report on a consumer that contain information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend or associate of the consumer or with another person whom the consumer is acquainted or who has knowledge of such item of information unless -- ( A ) the agency has followed reasonable procedures to obtain confirmation of the information, from an additional source that has independent and direct knowledge of the information ; or ( B ) the person interview is the best possible source of the information. XXXX is believed to be furnishing adverse information, on account that I am filing a complaint that fraudulent inquiries were made. Which further results in adverse action. According to the FCRA section 604 ( a ) ( 3 ) ( A ) -- As the original creditor, the consumer report is only to be furnished to other creditors who I extended credit to. There is no active account held with either of the creditors mentioned above that generated these fraudulent inquiries.
Company Response:
State: CA
Zip: 90745
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I applied and was approved for a credit card with discover bank XX/XX/XXXX. Before I was approved I talked to a rep and confirmed my identity due to a fraud alert being placed on my credit. About a week later, I received an email from discover asking for me to sign an irs 4506-C consent form for them to pull request my tax transcripts for verification purposes. I signed the form, about a week later, I go to activate my card and I cant so I called their rep, who tells me their waiting on me to sign to form and to complete to process so they can unrestrict my account. I informed her that I signed the form a week ago and I verified all my information on the phone with a rep when I first was approved for the card and asked what else are you trying to verify. She just told me that once everything is verified that I will get an email, well now here we are almost 2 weeks later, I still havent received an email or anything from discover regarding this matter and my card can still not be activated
Company Response:
State: IL
Zip: 60473
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Discover Card. On XX/XX/2022, while traveling, Discover Card, without warning and for not decernible reason, put a hold on my card. I was sent an email which required me to down load a poorly worded form statement and take it to a notary, have my signature placed on the form before the notary, have the notary sign the form and then mail it to Discover. This was impossible at the time as I was traveling from Florida to North Carolina. I called Discover and was shuffled from one operator to another. Noone could tell me why they had taken this action to freeze my account nor would they do anything to assist me in resolving this issue. I feel this was an unfair and deceptive trade practice.
Company Response:
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also States as a Consumer reporting agency can not furnish a account with out my written instructions. 15 U.S.C. 1692C -If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipts.
Company Response:
State: NJ
Zip: 08873
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was enrolled in the Covid-relief program with my credit card provider Discover and the program ended, I was not fully back at work and would like my payments not reflecting late or delinquent on my credit report based on the The Recovery plan. I would like my credit report to reflect that I was on the covid relief program with this company. I called to ask them for a goodwill gesture to remove the negative reporting due to Covid and not being able to work they denied the gesture and letter stating the information reported is not invalid, I do understand that I am asking the account if not removed show up on my credit report as late due to covid. I am in the market of XXXX XXXX and it is important for me to have good credit to obtain loans to work to pay bills. I do not understand why this creditors refused to report my credit under the recovery act as late due to Covid Pandemic. I ask that this account be removed as late and under the American Rescue Plan Act. Discover is billion- dollar company that I would hope honors their clients who have suffered so much loss during the pandemic but they would not help me and I need the help to continue working.
Company Response:
State: AL
Zip: 35235
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A