Date Received: 2022-04-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I opened a secured credit card with Discover a few years ago. On XX/XX/2022 they sent me an email that they have mailed a check in the amount of {$1500.00} which was my security deposit. I did not receive the check and called them around early XXXX. I was informed that the check takes about a month to be returned. I called them again today XX/XX/2022. I was informed that since I did not receive the check they will need to research it and if the check is not cashed then another check will be issued. It will take about a month. It seems like it is a routine process and policy they have to use the free money of clients for a period of upwards of two months. There is should be an inquiry just to check how many customers are being treated this way and how much money Discover is using in this manner
Company Response:
State: CA
Zip: 94539
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting Discover Account ending in 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 an open end consumer credit plan as late for purpose.
Company Response:
State: TX
Zip: 78840
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XXXX XXXX, a payment was paid and processed of {$39.00} on the same date the account was closed due with a balance for only the transaction I made the day before the closure. I contacted discover XXXX that morning no one I spoke with could tell me reason why but told me I could open a new account. Then I was told a supervisor would be calling back in XXXX hours. I never received a call, I was admitted into XXXX on XX/XX/2022 and ended up having XXXX finally receiving a letter of unsuccessful payment activity being reason for closure but I always make a payment after I spend. I was told my refund would be issued once transaction posted. After being in the hospital undergoing XXXX and recovering I reached back out to Discover on XX/XX/XXXX, I was told my refund would be issued in 2 billing cycles, I asked to speak with another supervisor representative said she would get me over to the correct department where he could connect me to a supervisor in the account department after XXXX minutes of waiting I was placed on the phone with a representative in the account department and there were no notes from a previous call or that I requested a supervisor. After asking him for his supervisor given the excuse no supervisor is available to take my call and would call me back in XXXX hours, the same thing I was told last time by a representative in the same level. This isnt right that I have been given the run around for the passed month about my money. Something needs to be done to stop them from doing this to customers.
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Discover Card Financial Svcs ( " DCFS '' ). On XX/XX/XXXX, " XXXX '' from DCFS ' Executive Office located in XXXX, XXXX contacted Complainant by telephone to inform him DCFS was conducting a " verification '' of Complainant 's income tax records. Complainant told XXXX he is a XXXX XXXX XXXX who receives XXXX income. Complainant explained by federal law, he is not required to submit a federal income record. People on XXXX DO NOT PAY INCOME TAXES. Still, XXXX continued to 'gaslight " Complainant stating DCFS needs to conduct a verification with the IRS XXXX Complainant told XXXX the IRS will not release information w/o my consent. On XX/XX/XXXX, DCFS notified Complainant by mail and email his Credit Card was CLOSED due to " no verification. '' [ DCFS refused to disclose what they were seeking to verify in writing. ] On XX/XX/XXXX, after being transferred from DCFS ' Customer Service to DCFS ' credit bureau or XXXX XXXX XXXX XXXX XXXX Complainant spoke to a Svc. Rep. name " XXXX. '' XXXX explained according to the notes, Complainant was contacted on XX/XX/XXXX. Complainant was sent electronically a Federal Income Request Form - 4506 Federal Form. Complainant electronically filled out, and signed said form. Complainant e-mailed said form back to DCFS. THIS DID NOT HAPPEN! On XX/XX/XXXX, the IRS denied verifying Complainant submitted his XXXX income taxes. This is how DCFS justified CLOSING my Discover Credit Card. Accordingly, DCFS has committed Federal Fraud by misusing an online, federal, electronic signature 4506 Form. Then submitting said form to the IRS without my knowledge and consent. THIS IS FRAUD! According to my email server, no email contact was ever commenced on XX/XX/XXXX between Complainant and DCFS. DCFS ' IP Computer Address will show they never sent me a 4506 Income Tax Request Form. ( Had they done so, I would NEVER have filed it out. ) This is a federal crime.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: XX/XX/XXXX There was a fraud charge on my discover credit card which was disputed, but never reversed. In XXXX I was effected by the pandemic where I lost work and could not afford to pay my bills. Therefore my credit card defaulted. I disputed but derogatory remarks never was removed
Company Response:
State: TX
Zip: 76205
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
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: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXXXXXX Discover XXXXXXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Investigation update on XXXX Regarding disputed charge to Account No. XXXX Dear Dispute or Billing Inquiries Division, This is XXXX XXXX, Customer with Discover Card No. XXXX. I am writing to appeal against your decision to go in the favor of the Merchant in the Dispute Case number XXXX. Before that I would want to share with you further details on what was the service that I signed up and what was delivered to me. Service that I signed up for : XXXX XXXX, employee of XXXX offered me a private service offering called XXXX XXXX for {$50000.00} that offered following features ( Please see the screenshots ) a. 2x-5x returns per month b. Capital will be safe c. Loss in case of compensation What Happened : Very First service alert of the XXXX XXXX resulted in a loss of {$67000.00} Denied any compensation Requested for Refund Only to be blocked Reason for requesting charge back : Service that was sold to me vs Service that was offered to me are completely different. Thus, I believe The Fair Credit Billing Act ( Act ) is a XXXX federal law designed to protect consumers from unfair credit billing practices and would like to request my rights be protected Reasons for Appealing against Discovers decision : During the initial investigation of the dispute, response from the Merchant was that I made $ XXXX on XXXX and XXXX on XXXX XXXX Is not true as I made XXXX on XXXX XX/XX/XXXX on XXXX and XXXX of XXXX on date XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on Annual Membership ( {$1500.00} ) which was bought on XXXX XXXX on XXXX website while Payment for XXXX XXXX was completed on XXXX XX/XX/XXXX, it is neither a service offered on XXXX nor under orders page of XXXX. For your Reference attached are the screenshot and 1099 document will be uploaded to discover dispute portal XXXX : XXXX : During the second investigation of the dispute, response from the Merchant was that they have no refund policy and thus, discover decided to go in the favor of merchant which I disagree due to following facts : According to XXXX website : SUBSCRIPTIONS XXXX XXXX Membership subscriptions grant you access to receive stocks signals. Payment will be charged to ccount at confirmation of purchase. We will notify you if the price of a Paid Subscription increases and, if required, seek your consent to continue.The products are provided in form of data information service. No refund is available. Reason for Disagreement is XXXX XXXX which was offered to me is not service or subscription on XXXX and here is the screenshot : Payments made to XXXX XXXX is not even listed on order page on my profile, only annual subscription is listed As mentioned previously, it was offered to me on the chat by their employee. Here is the screenshot of the same below. Thus, I believe stock-sight.com terms can not be applied to product or service that doesnt exist on their website. Continuing the XXXX terms on Payments *XXXX XXXX only accepts payment through two channels : its official website XXXX and XXXX XXXX app. For your property safety, please do not transfer money to personal accounts to avoid frauds. In case of running into wrongdoers, you can timely report to XXXX. As you can see XXXX XXXX website says it only accepts payments via two channels i.e. through the website or app. In case of payment for XXXX XXXX, its employee asked me to transfer money to an individual called XXXX XXXX which even the employee confirmed that it belong to XXXX XXXX in the chat which is a violation of their own terms. ( XXXX Search results for the email shows up XXXX XXXX XXXX XXXX XXXXXXXX? XXXX % XXXX ) Violation report to XXXX and chat conversation with another employee, XXXX : As shared in some of the previous documents, many customers have been duped in the similar manner by XXXX XXXX and they have reported these incidents to XXXX and XXXX, an employee of the XXXX has been asked to collect the evidence and submit it to the management. So far, no customer has received refund nor service, which authorities have also confirmed to be a scam as many other customers have also been swindled of their money in the same way. In my Case, I have filed a report with XXXX Police with Case XXXX, Reported to FTC with report no. XXXX, XXXX Submission Number XXXX ( XXXX referred us to XXXX XXXX ) ( All the copies enclosed ) Coming back to Dispute : FACTS I was offered investment services through a XXXX XXXXbased firm called XXXXXXXX XXXX XXXX XXXX employee a XXXX XXXX XXXX. As indicated by one of the Company 's employees, it was offered, agreed and guaranteed in chat that I would get 2 to 5 times the principal amount as profits from the investments, and that I would receive the principal amount even if there were any losses. I on the other hand, did not obtain the promised returns and did not receive the main amount from the Company. I Paid to the investment through a variety of payment methods including XXXX XXXX end with XXXX. Thus, I would like to request for a charge back on this transaction based on Fair Credit Card Billing Act of XXXX. What is the Fair Credit Card Billing Act XXXX? The Fair Credit Billing Act ( Act ) is a XXXX federal law designed to protect consumers from unfair credit billing practices. The Act outlines the rights as a consumer to dispute items like unauthorised charges, charges resulting from errors, and goods or services that have not been supplied. The purpose of Act is to provide consumers with protection from unfair billing practices, covering " open-end '' credit accounts such as credit cards or charge accounts. What is the Applicability of the Act? The Act defines billing errors, to which the provisions are applicable and actions under the Act can be initiated. Therefore, billing errors include the following : A. A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. B. A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. C. A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction What was delivered to me? A. A loss of {$67000.00} B. Denied Compensation C. Blocked for asking refund D. No Service Provided thereafter As a result, my transaction falls under sub-section ( c ) of the billing error, giving rise to a cause of action under the Act. How is the Act applicable to me & what are the requirements? As provided above under sub-section ( c ) of the definition of billing error, the gives the right to dispute charges in case of dissatisfaction with the transaction. I was not delivered the service as promised during the time of the agreement. Accordingly, I have valid cause of action under the act. I am requesting Discover to review all the facts and evidence presented and reverse its decision and 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. Enclosed are copies of Police Report, XXXX referral to XXXX, FTC Report and XXXX Complaint supporting my position and experience. I urge you to consider all the facts and evidences and provide me with the refund at the earliest. Also, I would like to know why my previous request was rejected under Fair Credit Card Billing Act XXXX. I would like to get written reasons or confirmation for rejection. Sincerely, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX
Company Response:
State: TX
Zip: 77380
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I found out I am a victim of identity theft, I contacted the company but they have yet to fix this fraud that has hurt me. Please see attachments. My ssn and dob are XXXX and XX/XX/1995.
Company Response:
State: VA
Zip: 246XX
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
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: Dear Discover, Remove this Discover account number : XXXX, date opened on XX/XX/XXXX, for inaccuracy because you are reporting inaccurate and incomplete payments history Information on my XXXX and XXXX credit reports. I disputed the inaccuracy on the dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX via XXXX and XXXX certified mail but the inaccurate incomplete payments history remained unchanged and inaccurate on my credit reports on XXXX and XXXX affecting my credit score. Discover is not reporting any of my previous positive payments. Discover wiped out all my payments history and I attached the supporting documents for you to review please follow the fair credit reporting act ( 15 u.s.c. 1681 ). Sincerely, Today 's date is XX/XX/XXXX
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I received an email from my credit card company ( Discover Card ) on XX/XX/2022 around XXXXXXXX XXXX that there were XXXX attempts made to send {$300.00} to someone called XXXX XXXX via XXXX using my credit card on XX/XX/2022 around XXXXXXXX XXXX and XXXX. First attempt was unsuccessful but the second one was successful. It is my ex boyfriend who has been following me since I broke up with him. XXXX XXXX is his sisters name. First he spread my explicit videos around Without my permission and now he he send money to his sister using my credit card. He also broke into my phone last month to access my photos and other contact information.
Company Response:
State: IA
Zip: 506XX
Submitted Via: Web
Date Sent: 2022-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-24
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Discover bank closed, no prior notice, no warning. I do not have access to my funds at all. I can't feed my kids, pay my taxes, pay my bills, mortgage, we are out on the XXXX, this is unethical beyond. We are kicked into poverty. I had my savings in there, my kid 's savings, and my checking account, I want my money ... .... this is so beyond unethical and shady. They just shut it off with no access to anything. It will all bounce, this CAN NOT HAPPEN. DISCOVER IS UNETHICAL.
Company Response:
State: SC
Zip: 29485
Submitted Via: Web
Date Sent: 2022-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A