Date Received: 2022-05-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had a checking account for many years with Discover Bank. I recently wanted to use this account to pay off my XXXX XXXX taxes both XXXX and XXXX taxes. I had transferred funds into the checking account via XXXX on XX/XX/XXXX. I had deposited a check which Discover Bank stated that it was returned due to an issue with the checks signature. On XX/XX/XXXX Discover Bank closed my checking account due to a business decision and retained the original deposit. I had written two ( 2 ) checks from my checking account with Discover Bank : one ( 1 ) check for my federal taxes and one ( 1 ) for the state taxes. I took an international trip from XX/XX/XXXX thru XX/XX/XXXX. I had accessed the account a few time to see if the deposited check had cleared. When I returned back to the XXXX. I called Discover Bank who informed me that Discover Bank had closed my account as of XX/XX/XXXX due to a business decision with no further information. Discover Bank has also informed me that the deposit funds will not be made available to me until after XXXX XXXX in accordance with their policy. Furthermore. I had contacted XXXX to establish another default checking account with another bank. But XXXX informed me that I was prohibited from using XXXX due to fraudulent activity as reported by Discover Bank. XXXX did not provide any further information.
Company Response:
State: NY
Zip: 10452
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
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: XX/XX/XXXX Dear Sir or Madam, CFPB Case # XXXX has been closed in error ; Discover Financial has not given any response to their tracking data to show the " Ship To Address '' to the goods from their statement. Additionally, I did not request any new card, new card # or SEPARATE ACCOUNT around XX/XX/XXXX or XX/XX/XXXX. Their XXXX data for cards shipped out will show that or to where they send any cards. The account ending in XXXX was active in XXXX and ~ 15 yrs before that. It had another person on it about 3-5 yrs ago, but Discover objected and that person removed. Since then, the card ( ending XXXX ) has been used sparingly ; it is all in their records. Why would I need a separate card # after 15 years? The Fraud was not on XXXX, but on XXXX -- the charges were shifted over to XXXX. Card XXXX is NOT current as it was NOT activated ; I destroyed it. Discover Financial has now moved the charges to XXXX XXXX where it is now accumulating interest ( see XXXX ). Thanks. XXXX XXXX
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/2021 I began having problems with Discover Home Loans, until then payments were always made in a timely manner. In late XXXX I was asked to send proof of flood insurance, which I did. However, a forced insurance policy was placed on my loan and the payment went from {$440.00} to {$1300.00}, due to an escrow account that was added. After numerous phone calls with Collections, Insurance Department and Customer Service nothing has been done, after I have been reassured time again that the matter was going to be fixed by XXXX. I keep receiving calls from Collections on practically a daily basis, the last agent told me that I may be at risk of my property being foreclosed. This is preposterous, I have told them time and again that I am willing to pay the monthly payment that was agreed on at loan inception, the company will not allow me to pay anything but the {$1000.00} online or with a collections representative. I am at my wits end and I need resolutions with this issue, they are at fault, I have given them what they asked for and they have force placed insurance coverage causing this issue.
Company Response:
State: FL
Zip: 33155
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I was put on a repayment program due to COVID that lowered my payments while not working and i never got documentation in the mail with the specifics of the program or anything saying the program was over. Ive been having issues accessing my account online so i been paying via phone. I got a letter in the mail in XXXX stating i need to make a balloon payment for {$2100.00} in XXXX never was told this ever and the paper states i can get on a payment arrangement for this amount. I call and Im told there is nothing they can do. Who gives less than 60 days to pay that amount in todays economy its not fair at all!
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Hello, I am currently using Discover Bank for my savings account. I recently purchased a home with a closing date of XXXX XXXX. My lender gave me the bank details with the title company to which I was supposed to initiate the wire ( domestic ). I initiated the wire transfer on XX/XX/2022 itself with the amount of {$190000.00} Discover did some verification with me on behalf of the federal reserve and on XX/XX/2022 they mentioned that the wire transfer has been completed. They deducted the funds from my bank account on XX/XX/2022 and gave me a reference # XXXX that the wire transfer is complete. In the message, they said it can take maximum 2-3 business days. On XX/XX/2022, my lender company officer reached out to me and told me that the title company bank has not received the funds. I called in discover bank, we verified all the account details to where the funds were supposed to go and everything looked good and they said they will initiate a trace. On XX/XX/2022, I called in again to Discover to get the status and they said they have no update from the federal reserve. On XX/XX/2022, My lender company did a conference call with discover and asked the discover bank to provide an OMAD # associated with the wire, and discover was not able to provide that and asked me to wait for 1 more day. On XX/XX/2022, I called Discover and asked for the OMAD # and they said they don't have it and the only update they gave me is that it's with the federal reserve pending bank verification, which i don't know what it means, neither discover could answer. On XX/XX/2022, I called Discover and conferenced in the receiver Bank officers, my loan title officer and they pressed discover bank to provide the wire tracking OMAD # then also discover was not able to provide the wire tracking #. I got a message from my lender and title officer that without funds into the escrow amount, I may potentially have to lose the house or pay additional funds to close, my existing loan terms may change, and I may be subjected to additional rate lock fees if the funds are not received by XX/XX/2022. I have been on calls daily with my lender, and the " discover bank '' and spending almost on average 3hrs during my job work hours a day to deal with this situation and it has caused me mental stress, and embarrassment. I just hope discover doesnot do the same dealing with another customer.
Company Response:
State: UT
Zip: 84123
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I notified Discover Financial Services that I was a victim of a declared natural disaster being COVID-19. As a result Discover is reporting late payments for the months of XXXX and XXXX of 2021. I have had exceptional payment history for 9 consecutive months since. Please investigate and review.
Company Response:
State: TN
Zip: 377XX
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-06
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have been a customer of Discover Card for several years and have never missed a payment and also have an personal loan with them. XXXX payment history with them has been stellar and in fact they increase my credit limit without me requesting it. I recently received an e-mail from XXXX stating that Discover Card want to access my IRS tax information. I actually thought the e-mail was a fraud phishing e-mail, because I have never had a credit card company request to see my tax information. Given I thought this was a fraud e-mail, I deleted it. Today I tried to use my Discover Card to rent a car. I have a {$12000.00} limit and my balance is just over {$5000.00}. The card was declined. I called Discover Card and spoke to XXXX XXXX about the decline. He stated asked did I get the e-mail requesting my IRS information. I told him yes however, I thought it was a phishing e-mail. He state that they would not allow me to use the card unless I gave them access to my IRS tax information. I was shocked. I asked him was this legal. He didn't have an answer. I asked to speak to a Manager and he told me he would send the Manager an e-mail and they would call me back. I have been a customer for Discover Card for years. I have a stellar payment history as evidence by them increasing my credit limit without my request. My income has not changed since I first received the car, in fact it has only increased. However, there is no reason I should give a credit card company access to my IRS tax information to maintain a credit card. This should be illegal. I am really thinking about ending my relationship with Discover, however, this should not be allowed. I should not have to give a credit card company access to my IRS tax filings to maintain a credit card. Please help. I am also filing a complaint with my Congressman. This is ridiculous.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-06
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: DIscover Bank has me listed as account abuse which hinders me from opening any kind of account. They also have about 15 inquires of me trying to open an account with them which is ridiculous becaude why would i want to bank with them after they said i abused ther account, i even had a credit card with them, There also a lot of inquires with banks that i had never tried to open an account with in my life. I belive someone is using my information to try and open these accounts. I cant even get a simple checking account. please someone help me re solve this. my email is XXXX XXXX
Company Response:
State: TX
Zip: 75206
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: In my attempt to assist me in rebuilding my credit, I acquired a Secured Credit card from DISCOVER. I gave them XXXX for my credit line and have used it since it opened some months ago. I recently made a XXXX Payment and my available credit showed- {$6.00} When I called the company they stated they are sending me an IRS form XXXX to review my income. This is a Secured Card using my own funds to charge against in order to build my credit Why they are suspending charging privileges contingent on my transcripts is beyond me.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # 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 open end consumer credit plan as late for any purpose.
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A