Date Received: 2022-05-18
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I received a new Discover Card in the last couple of months. It came with an {$8000.00} credit limit. They send me emails and ask why havent I used the card yet. They offer balance transfers that I must complete by a certain date so that I can take advantage of the XXXX percent offer. However, whenever I try to make a purchase it never goes through. Whenever I try to do a balance transfer it will process for a few days and then get rejected. My card is active and in good standing. I dont know if Discover is being deceitful in their advertising or if this some fluke in their system. A bait and switch scheme of some sort? I just dont know.
Company Response:
State: OH
Zip: 43228
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/XXXX, after trying to rent an apartment and being told I need a guarantor, I checked my credit score. It was extremely low, so I ran a report and found a fraudulent account that was on there through Discover. I contacted the police to file a police report and I contacted Discover who put me in touch with XXXX and XXXX to open an investigation. They shared that it would take a maximum of 6 weeks to complete the investigation and then the fraudulent account would be off of my credit report and my credit score should reflect as such. However, after 60 days, I called XXXX and XXXX after seeing no change in my credit score. They reported that they were unsure and would have to get back to me, but have not yet done so. I called Discover again and they said they would open their own investigation and try to resolve it. It has been two months of back and forth with Discover to no avail and I am unable to do anything regarding credit because of their inability to take the right steps to handle this issue.
Company Response:
State: VA
Zip: 22201
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello, My name is XXXX XXXX. I'm writing due to inaccurate information that has not been removed from my credit. I am trying to obtain a house and a car to provide for my family and this is hindering the process to a complete halt. This information on my report is not accurate and should not reflect on my account. I have tried multiple times to receive original proof you guys have showing a physical signature was provided to obtain such accounts which is required. I know the laws, but will not post them in risk the validity of this letter will be compromised. Please remove the following accounts : 1. The following account is not mine DISCOVER BANK Account Number : XXXX REMOVE the inaccurate information from my credit report. I have a young daughter and she does not deserve to be affected by this false information that has been reported to my account. We currently are XXXX and do not have a way around the Heat XXXX Arizona unfortunately has to provide. These accounts are disastrous to my life and the fact they are not even accurate is the worst part. My home was broken into around XXXX as Arizona State police records will show and I strongly believe thats were these accounts came from. I beg that you reconsider your judgement as I am relentless in getting these unfair demoralizing debts removed. Thank you. XXXX XXXX XXXX XXXX
Company Response:
State: AZ
Zip: 85033
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 when making payments
Subissue:
Consumer Complaint: I have a personal loan with Discover. I have automatic payments setup to be paid by the XXXX of the month. No problem, those are applied. But, I would like to pay extra on the principal amount and I asked how I can go about and do that. Here is their reply : Dear XXXX XXXX, Thank you for contacting us regarding your personal loan with Discover. We received your request about making a payment to the principal only. The easiest way to do this would be to combine the amount you want to make toward your principal with your regularly scheduled monthly payment. Any amount exceeding your Scheduled Payment amount that is included with your Scheduled Payment will be applied to your account as follows : 1. Unpaid late fees 2. Accrued and unpaid interest 3. Unpaid principal amount But, should we NOT be allowed to make extra payments on the principal amount? I understand # 1, but not # 2. Regards, XXXX XXXX
Company Response:
State: TX
Zip: 75224
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: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I purchased some furniture from XXXX prior to moving into my new place on XX/XX/2020 and I had many issues with the furniture ex : 1 inch differential between each drawer leaving a visible gap. Chips on sideboards that was damaged during setup by XXXX which is the company they use. I was refunded monies several times but Discover sent me a physical check in XXXX and than months later told me they shouldn't have sent it. So they applied the money BACK to my account. I have names of who i spoke with and after sending XXXX XXXX emails I decided i would try and let Discover resolve this. They failed me in every way possible. Especially since I was asked to send them proof that my replacement furniture was on back order for over a year. XXXX sent me an email XX/XX/XXXX stating your order is delayed and Discover still has not reversed the amount to a permanent fix. I don't know what else to do. They caused my FICO to drop over 62 points because of this issue. I need a permanent resolution, plus they are charging me interest on top of everything else! Disgusted
Company Response:
State: NY
Zip: XXXXX
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: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I've left messages for a manager to call back regarding an ongoing issue pertaining to missing funds from Discover closed accounts, no call back received to date, two messages left with XXXX and XXXX with Discover executive office, neither one returned. Follow up calls were made, both reps referred calls to XXXX whom I've spoken with prior, in which case there is no resolution, we talked in circles, thus the need to speak with a manager... The issue includes non-receipt of funds in the amount of {$140.00}, the total of combined accounts including checking account ending 1960. Funds were sent to XXXX XXXX as part of a fraud claim in amount of {$690.00}, this amount, {$140.00}, does not cover claim and according to reps with XXXX XXXX executive office including XXXX XXXX, payment was not cashed and rejected back to Discover. Please note, I attempted to explain this to XXXX, we talked in circles in re, he claims instructions from XXXX XXXX XXXX remaining funds in Discover accounts are to be sent to XXXX XXXX ... Further, he verified check was not cashed, in which case he stated check could be resent which I advised would also not cash, reiterated XXXX XXXX does not accept partial payments... Prior to this, full payment was supposedly sent to XXXX XXXX in amount of {$690.00}, letter from Discover is attached, XXXX XXXX has no record of this payment at all.. Should this complaint be marked as duplicate, it will be resubmitted, sent to other agencies
Company Response:
State: CT
Zip: 06320
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am submitting this complaint to Discover, in regards to private student loans. The loans in question were originated with XXXX in XXXX. I have been recently served with a lawsuit for these two loans I allegedly owe. The following is a list of my complaints : Discover has failed to establish the chain of title of these loans they allegedly own. Their attorneys sent copies of barely legible contracts between The XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a blacked out information. Nowhere does it outline which individual loans were sold to Discover ( XXXX XXXX XXXX ) Additionally they sent to myself and to the court, two copies of single application showing a request for {$4600.00}. Somehow they maintain that this is proof of owning ( and my requesting ) a $ XXXX loan. Discover falsely claims I was in-school and requested in-school deferments from XX/XX/XXXX to XX/XX/XXXX for one of these loans, the other was deferred until XXXX of XXXX. I never attended college after XXXX XXXX and there was never a request made for deferment. In fact I had received a past due notice in XXXX of XXXX called Discover XX/XX/XXXX, asking for proof of deferment requests. I called back in XXXX and there was a pending request but no further information. They have failed to furnish any proof. There are several more calls made and the last call was in XXXX of XXXX where a representative was aggressively asking me why I wanted Discover to fix their mistake. On this same call, I again requested the proof of deferment request. She said there was nothing on file about anything having been sent. These loans originated with XXXX and I have letters showing loans with them becoming delinquent and then defaulting in XXXX. At this same time I became delinquent with XXXX, Discover placed the XXXX loans they supposedly service, on deferment. Additionally, the calls made to Discover regarding this issue only resulted in multiple forbearance periods I had no requested being added to the loans, between XXXX of XXXX until XX/XX/XXXX. Discover has failed to provide and a proper record of transactions regarding the balance and interest on these loans. The transaction history provided to me and the court shows multiple discrepancies when compared to their mailed monthly statements. These are a few examples : 1. The statement for XX/XX/XXXX shows higher balances than the transaction history shows for the date of XX/XX/XXXX ( three years later ) and there is no mention how much deferred interest there is. 2. The statement for XX/XX/XXXX shows higher principal balances than the transaction history shows for XX/XX/XXXX ( deferred interest was subtracted from Loan balance to find principal balance ). 3. The statement for XX/XX/XXXX still shows higher balances than the transaction history shows for XX/XX/XXXX, but somehow the principal balances are lower than those from XX/XX/XXXX. XXXX. The statement for XX/XX/XXXX still shows higher principal balances. Also, there are statements credit on that same day that are unknown to me as to why they are there, because there was never a payment sent to them, nor did Discover inform me where these came from. 5. The statement for XX/XX/XXXX shows a higher loan balances ( with interest ) than the transaction history shows for XX/XX/XXXX on XXXX loan, and XX/XX/XXXX for the other. 6. The larger of the two loans does not show a deferment for XXXX on the transaction history they lawyers sent, it simply shows as a forbearance, which as one can see in the earlier statements, is false. Those a statements show DEFER for both loans. Discover, if they are the owners of these loans, have also failed to follow the terms of the promissory note which states a default would occur, if a default I default under the terms of another loan from the lender. As mentioned before, several of the XXXX loans defaulted in XXXX. Discover claims that they own these loans when they have failed to provide proof of this. They also claim that the loans have been current for 13 years due to deferment and forbearances being put on this. This is despite defaulting on my XXXX loans in XXXX, no payments having ever been made to Discover, my not attending school since XXXX of XXXX, and my not requesting any kind of forbearance or deferment from them.
Company Response:
State: FL
Zip: XXXXX
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: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I purchased a XXXX XXXX for {$1100.00}, from XXXX on XX/XX/XXXX. I didn't use it even once since purchase, so after a while I decided to sell it, and listed this bag on XXXX ( a websit that people could buy or sell their luxury items ) on XX/XX/XXXX. On XX/XX/XXXX I was notified by XXXX that this bag was counterfeit, and my account has been suspended because I tried to sell fake bag. I was shocked, I never even doubted this bag was fake. So I sent the detailed pictures of this bag to a professional online authentication website for authentication. On XX/XX/XXXX, I got the result from authenticator that this bag is a conterfeit for sure.Since this bag passed XXXXXXXX XXXX return window. I contacted XXXX, but was told I need to contact Discover because I used the credit card to pay this bag. So I contacted Discover and opened a dispute, got my temporary credit back, and submitted the order confirmation, the notification from XXXX, and authentication letter from the authenticate website " Real Authentication '', with all available pictures. On XX/XX/XXXX, I was informed by Discover, they made decision on merchant 's favor and reversed my temporary credit. I called Discover asking for the reason. It turned out the only reason is there are a few words discrepancy between the names of the bag on XXXX order and Authentication letter, even if they could XXXX the two names and got the same style of bag, or see the pictures on both of my order and authentication letter are indicating the same bag... I called several times afterwards trying to get this case re-opened, but was told to wait for updates. On XX/XX/XXXX, since there was no updates at all, I requested to speak to their manager, name is XXXX. At the beginning, he said I need to solve this with XXXX or XXXX, after I told him they asked me to contact Discover since I paid with my Discover credit card, he turned to say its been a while, and I passed the window to open dispute. I told him the dispute was opened without any issue but the result is based on their unprofessional ways of researching. Finally, he told me as long as I could provide the authentication letter with the exactly same name of the item as on my XXXX order, they would reconsider my dispute internally. I was also told it would take up to 2 business days to review once the document was submitted. On XX/XX/XXXX, I managed to get a new authentication letter and submitted it to Discover, I also called the right after to confirm they did receive the new document and would review it in a timely manner. On XX/XX/XXXX, I called Discover because I had not heard back from them since I submitted the new authentication letter. I was told the document had not been reviewed as promised because they needed to be escalated to the managing team for its high amount, and there was no way to estimate how long it would take. I called on XX/XX/XXXX, was told even if the new document is with the same name, the document should be provided by lawful bureau or federal Trade Commission. It was totally different from what I was told at the beginning. Discover never mentioned about any concerns or requirements regarding where I should get the documents. I was informed that the name discrepancy is the only reason for their conclusion. Now they started to change the story. After I requested to speak to XXXX or any other supervisors available, they put me on hold for more than 40 minutes and told me there was no one available to take my call. As a loyal customer with high credit score, I was having good experience with Discover before. During this a few months of dealing with Discover, I did everything I could and everything they asked to support my dispute, hoping Discover would solve this matter efficiently and reasonably. But they kept on holding it for different excuses, and did not do whatever they promised. I have spent too much time on calling Discover, waiting on the line, being transferring, and sometimes even being hung up suddenly. I am really tired and frustrated for their attitude. They really disappointed me this time.
Company Response:
State: CA
Zip: 90603
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
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 mother has a very bad XXXX addiction that ruined my life also she is a very good liar. She opened my mail and used my new credit card without my permission.
Company Response:
State: MI
Zip: 49548
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: In XX/XX/2020 my wife passed away. Before my wife passed away, unknown to me she had opened a credit card account with Discover Credit Cards. She used my Social Security #, her business PO address, her email, her phone number. I never signed anything, nor had I any knowledge of this. My wife used it for house hold purposes, so it was not like she was stealing from me. So after her sudden death, I had no idea this account existed. Also, we ended up in probate court and much of my assets were frozen. Everything was in my wife 's name, I was diagnosed with XXXX a year earlier. Then XXXX hit a month or XXXX later. DMV, Courts, everything closed. It took me a while to find the my wife 's business po box . All the statements were being sent there. Then I had to find the key, when I finally got in the box it was completely stuffed with all kinds of bills and mail. I had enough funds to cover all the bill however it was locked up by the courts and in her probate estate. I had no problem paying off the all the other credit cards in her name as I'm allowed to pay her debts with her estate funds. However Discover was in my name. As soon as I found the Discover statement, I called them, I didn't dispute the charges, but I explained to them the situation and I asked them to put the debt in my wife 's name and I can pay them right away. They said the couldn't do that. I pointed out that they did not even have any of my information until I just gave it to them, surely you can do this simple thing for me. They refused. They claim it was fraud and I needed to file a fraud claim and that is the only option I had. So reluctantly I did. It was hard filing papers that made my very recently deceased wife look like some kind of criminal. But I had no choice, I didn't have any funds available at the time. There was over $ XXXX cash probate locked up. After all that Discover said, that it was not fraud. So I asked them for statement or proof that they had my wife 's data on files at least and they said I had to do all that myself. They refused to help me in any way. So I did the best I could and had my attorney petition the courts so that I would be able to make this payment. It was a long grueling process with COVID and courts closing and all this. In the end my attorney said to go ahead and use the funds to pay it he will fix it with the courts. So technically I illegally paid this debt ( with my own money ). I asked Discover if they could clean up my records and they assured me they could after I sent the money. They never did. I never ran from them, never did they have to chase me, I did everything I could to get them paid as quickly as I could. They refused to help me and if you ask me they were 50 % responsible along with my wife for creating this mess in the first place. They only had my SS #. Did they check nothing? And now I have a blemish on my credit history, I'm the only XXXX that didn't make a mistake, I'm the one that cleaned the mess up, I paid for all of it including late charges. I do not feel that I should be the one to have anything negative marks on my credit history or anything else. I think they owe me and apology and a thank you! This is totally unfair and unjust. I'm the exact type of person who creditors would love to do business with. In contrast other creditors treated me completely different. As soon as they knew of a death in my family XXXX sent me directly to the XXXX XXXX XXXX. They stopped charging me interest right there. I didn't even ask. They said, " Do not worry, we are with you, we are going to work through this together and your credit will be undamaged in the end, we are so sorry you are going through this. '' And they did. Discover was horrible. During a time when I thought I hit rock bottom, they managed to show me that I can still burrow down a bit deeper and if couldn't do it they were happy to give me a hand to do that. It's amazing the amount of effort they would make to hurt me even when helping would have been less work for them. They need to really reflect on their business practice. And if you look at my credit report you can see what I say is true, everything is prefect except Discover looks like a train wreck.
Company Response:
State: CA
Zip: 90503
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A