Date Received: 2022-05-18
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have XXXX different accounts that I already paid in full in order to be removed from my credit report and the account still shows in my credit report as a cero balance. I need those accounts removed from my credit report. now I am trying to buy a house and these accounts that are paid still show as a negative item.
Company Response:
State: FL
Zip: 33180
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Discover Credit Card Copy of the letter and today 's conversation. Attn : Billing Inquiries XXXX XXXX XXXX XXXX, Az XXXX Notice of disputed charge to Account No. XXXX Dear Billing Inquiries Division : I am writing to dispute a charge of [ {$100.00} ] to my [ credit card ] account. The charge is in error because I called on XX/XX/XXXX and asked for the payoff/total amount owed to make a one-time final payment, I needed to provide the balance information to my bank to obtain a personal loan to pay off my XXXX and Discover cards. The interest for my Discover card is higher and I wanted to pay it off in full. When I called on Saturday XX/XX/XXXX XXXX told me the balance and advised that she will lock the total amount owed until XX/XX/XXXX, the amount owed was {$5900.00}. {$5900.00} {$25.00} Rewards -- -- -- -- -- -- -- -- -- -- {$5800.00} Total Balance Owed. I was able to do my loan on Saturday and received the check on XXXX, I called on XX/XX/XXXX to make the payment over the phone and XXXX hang up my call at XXXX p.m. I had to go online to pay the total amount owed on XX/XX/XXXX. I called Discover card today to confirm my payment and Discover Card has changed my amount owed, Discover has no respect and was not honest at the time I talked to the Customer Service Representative, this lady gave me the Total amount owed on Saturday XX/XX/XXXX. XXXX gave me my balance owed of {$5900.00} and advised me that my total balance will be locked until XX/XX/XXXX. Then XXXX hangs up the call. On XX/XX/XXXX I went online to pay the entire balance and find out that the Discover Customer Service person lied about my balance, your company should be responsible for lying and not being honest. I am aware of your bad Customer Service, have no manners or knowledge of any professionalism, your company lies to customers, and for XXXX XXXX dollars you prefer to lose a customer that has been a customer for more than 22 years. I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. I have taped the conversation, and I will take it to court if necessary, or to the Better Business Bureau or the Treasury Department 's Office. Sincerely, XXXX XXXX
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
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: To whom it may concern, On XXXX, XX/XX/XXXX I purchased a gift for my boyfriend from a seller based in XXXX totaling {$500.00}. I used XXXX to check out so that I would have an additional form of protection in case something went wrong. When checking out the estimated delivery was said to be in 15-20 days. It was shipped out the next day. I saw that the estimated delivery was earlier than anticipated and called XXXX on XX/XX/XXXX at XXXX so that they can place my item on a vacation hold while I was away to visit my family out of state. The gentleman I spoke to assured me that I had nothing to worry about and that my item will be held at the local XXXX facility in XXXX, TX for pick up whenever I will return. I called XXXX again on XX/XX/XXXX to make sure that my item was being held at their location and the lady I spoke to confirmed that they had my item and that I will be able to pick up at my convenience. Two days later a member of my household tested positive for XXXX and we all had to quarantine for 10 days as well as reschedule our flight back to a later date. Upon returning to Texas, the next morning I drove 40 minutes to my local XXXX office and the lady at the office told me that they don't know where the package is and to come back in another 2 hours while they locate it. When I came back she simply told me they don't have it. They claim that the package was delivered to my door anyway. However there was no package anywhere to be found when we arrived. My neighbors and the building 's management office also confirm they haven't seen it. I called XXXX again and now they already claimed that I never asked for a vacation hold. I tried to resolve with the seller but they kept saying that the package says delivered and that this isn't their problem anymore. I explained to Discover that it isn't right for the seller to send such an expensive item without insuring it or at least requesting signature on delivery and offering absolutely no customer service. When I asked XXXX about this issue again they said that they can not talk to me as they have a contract with the seller and they are the ones who should contact them. However the seller continued to do nothing. I opened a case with XXXX and Discover but XXXX automatically closed my case because according to them I was not able to have multiple cases open, which I wasn't aware of. When I called them they said that they're investigating but ultimately Discover will get to decide what the outcome will be. I tried to explain this whole situation in details to Discover and attached all the evidence. At first within few days they said the case was closed in my favor and I breathed a sigh of relief. However, several weeks later Discover suddenly reopened the case and without any explanation gave the seller back my money. I called them to ask what happened but all they said is that they're investigating and that I will get the money back shortly on my account. I asked if there is any additional evidence they needed and they informed me that everything was fine and that I should just be patient. I called again in another month to check the status and ask why I still didn't get the credit they promised me but again they informed that a credit will be posted to my account shortly, which never actually happened. After 3 months of waiting they ended up closing the case in favor of the seller without any explanation and XXXX automatically did the same. So in the end I never got my item, lost {$500.00}, wasted countless time and nerves on correcting someone else 's mistakes which I still unfortunately wasn't able to achieve. Please find attached below my receipt from the purchase, airline ticket, time and date of phone calls to XXXX from when I requested to put my package on a hold, messages from XXXX telling me that it is the seller 's responsibility to contact them about the lost package, my emails with the seller where they completely ignore the problem, Discover 's final resolution and a complaint against XXXX on XXXX XXXX XXXX that I opened where they eventually admitted that they didn't follow instructions but still refuse to reimburse me for the amount I lost. Please look into this and get back to me as soon as you can. Thanks, XXXX
Company Response:
State: TX
Zip: 78757
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I contacted Discover at the end of XX/XX/2022 because I had just secured a new job and I needed to clear an old debt with them before my license in Massachusetts could be granted. They transferred the debt to XXXX and associates in XXXX, MA to handle. I received an email from Discover that I could call and pay the debt 2 days later. I have been calling them frequently and I still can't make a payment. They keep telling me that the account is on hold but can't tell me why or how long it's going to take. When I mentioned that I feel I may need a lawyer, a manager told me that may not be a bad idea. I don't understand how they can put this on my credit report but won't let me pay it.
Company Response:
State: RI
Zip: 02861
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: on XX/XX/2022 multiples accounts were opened : XXXX XXXX XXXXXXXX, discover, XXXX XXXX debit cards online.
Company Response:
State: FL
Zip: 32703
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In 2016 a person unknown to me and without my authorization, opened 2 bank accounts with my personal information in California, I was affected since the creditors do not want to help me get out of this scam of which I was a victim and as a result, now I have debts. In XX/XX/2016, he opened an account for a credit card with Discover Bank and left me with a debt of {$6100.00}, I have tried on multiple occasions to fix this problem directly with the bank without obtaining results. The person who used my name and social security without my authorization used this address to open the account : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
Company Response:
State: AZ
Zip: 85021
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Discover claimed I open an account but I never have
Company Response:
State: PA
Zip: 162XX
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX I sent a letter of Debt Validation pursuant to 15 USC 1692g to XXXX XXXX XXXX XXXX XXXX for the alleged debt they are attempting to collect from me as an alleged debt collector for DISCOVER BANK. I already submitted a complaint against DISCOVER BANK for attempting to collect an alleged debt I do not owe as to get a secure card you have to give the money upfront to receive " credit '' back. Also, I am the original creditor, so how can I owe this alleged debt. I paid this alleged debt regardless and now there are XXXX companies trying to collect a debt NOT OWED! They are also furnishing false and deceptive information to my consumer reports which is a violation of my rights! I sent this debt validation letter XX/XX/XXXX in which XXXX XXXX XXXX XXXX XXXX received through certified mail on XX/XX/XXXX. This company has not responded to my request and is still attempting to collect on the alleged debt. They are claiming I owe {$250.00}
Company Response:
State: CT
Zip: 06051
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My Discover credit card has an unauthorized charge. The card is lost. I mailed a charge back letter to discover, but till date discover has done nothing. The content of the letter is as follows : XXXX DiscoverBankChargeDispute DiscoverBankGeneralCorrespondence XXXX XXXXXXXX XXXX XXXX, XXXX Re : XXXX Name : XXXX XXXX, XXXX, XXXX, XXXX Email : XXXX XXXX Phone : XXXX : XXXX XXXX XXXX XXXXXXXX XXXX Merchant : XXXX XXXX _________________________________________________________________________________ XXXX, XXXXXXXX XXXXFurthermore, XXXX XXXX : XXXX XXXX, XXXX XXXX. Note : XXXX ( XXXX ) XXXX Sincerely, XXXX XXXX
Company Response:
State: MD
Zip: 20783
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX XXXX XXXX DISCOVERBANK XXXX XX/XX/22 RE. We have disputed this account.
Company Response:
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A