Date Received: 2022-04-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2022 I was notified by my financial institution that I had withdrawn funds in the amount of {$100.00} from my checking account which I did not do the ATM in question is located within the XXXX pharmacy at XXXX XXXX XXXX XXXX, NY it was later found that there was a device placed in or on the ATM machine the representative from XXXX stated that the XXXX was notified but Discover Bank has failed to make this right
Company Response:
State: NY
Zip: 112XX
Submitted Via: Web
Date Sent: 2022-04-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Two months ago I checked my credit report as I was preparing to shop for a house and realized there were multiple inaccuracies as well as FRAUD associated with my report. Currently, there are FRAUD accounts on my report and one has been placed in collections. The accounts are as followed : Discover Bank, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX I never authorized for these accounts to be open nor have I ever opened these accounts myself. All of the accounts stated have been open against my will and need to be deleted immediately as I am a victim of Identity Fraud. I've reached out countless times to XXXX and the banks in question to get this situation resolved and no one seems to be budging. They refuse to delete the accounts in question, they refuse to do there own investigation, and insist I am responsible for the debt when in reality I AM A VICTIM OF IDENITY FRAUD. I've filed an identity theft report and sent it to all banks in question as well as XXXX. They've all been aware of the identity fraud in question. The dates and totals of the identity theft are as follows : Discover Bank : Was opened on XX/XX/XXXX with a {$2300.00} credit limit and is currently being shown as a Charge-off. XXXX XXXX XXXX : Was opened on XX/XX/XXXX with a {$1100.00} credit limit is a currently closed and 150 days past due. XXXX XXXX XXXXXXXX XXXX XXXX Was opened on XX/XX/XXXX with a {$500.00} limit and is currently being shown as a Charge-off with a past due balance of {$720.00}. XXXX XXXX : Was currently opened XX/XX/XXXX and is currently being shown as a charge off. The credit limit is not shown on my report. As you can see there is clearly a pattern as 3 out of the 4 fraudulent accounts were all opened around the same time in XXXX. ALL OF THESE ACCOUNTS WERE OPENED AGAINST MY WILL AND I AM A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT!
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-23
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Tried to contact them to lower rate or adjust payment unresponsive to any options I have a loan with XXXX XXXX they were Extremely helpful but discover not willing help
Company Response:
State: NY
Zip: 11741
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Please provide validation of the debt that is the actual accounting that is a signed Invoice A copy of the Contract binding both parties This company has violated my privacy. There is no record from me granting permission to furnish this account. The negative information is adversely impacting my life. It is inaccurate. Please remove immediately 15 USC 1681
Company Response:
State: PA
Zip: 19380
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Discover checking account closed out several months ago, remaining funds in account not received, the amount of {$140.00}, at time of closing. The last four of account ends in 1960 to best of my knowledge. The attached letter shows funds in amount of {$690.00} deducted from account several weeks ago, sent to XXXX XXXX for a fraud claim check, XXXX XXXX has no record of any such payment or any payment for that matter. Discover rep ( s ) claim remaining funds, the amount of {$140.00} sent to XXXX XXXX in addition to amount of {$690.00}, neither payment received as stated prior, confirmed with several reps in XXXX XXXX executive office.. Further, XXXX XXXX does not accept partial payments such as the amount of {$140.00}, would have been rejected back to Discover, as stated by a XXXX XXXX with XXXX XXXX executive office.. I've explained this in prior CFPB complaints in re, nothing resolved to date..Discover has yet to send me remaining funds in amount of {$140.00} or amount of {$690.00}.
Company Response:
State: CT
Zip: 06320
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I have held a discover credit card for a few years now. On XX/XX/XXXX, Discover Bank sent me an email about an online savings account with a good interest rate and a new account bonus. To the best of my knowledge, it was affiliated with, but a separate entity from, the Discover credit card that I held. XX/XX/XXXX, I opened an online savings account with Discover Bank. I added my husband, XXXX XXXX, as a Joint Account Owner. I did read through all the fine print, such as account holder agreement, consumer disclosure, etc. And saw nothing to be concerned about. After the initial setup and funding of the account on XX/XX/XXXX, with an {$8000.00} initial transfer from XXXX XXXX, I was required to merge my credit card online account with my savings online account. Which made me question if this would be considered a " new account '' to qualify for the new account bonuses. So I sent a message asking, through the secure message center in the online bank account. I was assured that the bonuses would apply if I met the minimum deposit threshold to qualify for the bonuses ( XXXX or XXXX ) within 30 days of opening the account, and all was well. I initiated the trial deposits to link external banks accounts on XX/XX/XXXX, so I could link my XXXX XXXX checking account, my XXXX XXXX checking account, and my XXXX account to this new discover bank savings account. The trial deposits were verified and all accounts were linked together on XX/XX/XXXX. I then initiated more deposits to meet the minimum Discover Bank bonus threshold, by sending {$4000.00} from my XXXX XXXX account, and {$3000.00} from my XXXX account. On XX/XX/XXXX, I deposited an additional {$700.00} from my XXXX account to Discover Bank. On XX/XX/XXXX, I received an email that stated, " Dear XXXX, We're writing to let you know that we noticed unusual activity on your account. For security purposes, we have suspended access to your account. If you have already spoken to us about this, no further action is needed. Here 's what you need to do : Call us immediately at XXXX ( TDD XXXX ) to discuss your account. '' I called them immediately. I was told that " discover bank made a business decision to close my account, and I could expect the funds from my account to be returned by check in 60 to 90 days. '' I protested, and asked for access to my funds sooner than that. I was told the only method to get my money sooner was to contact the banks that the deposits came from, and ask them to recall the transactions. I contacted XXXX XXXX, XXXX XXXX and XXXX. All three institutions said Discover Bank had held the money too long for them to recall the funds for this type of transaction, and the only way they knew to get it faster was for Discover Bank to reject/kick the deposits back to them. My husband called discover multiple times on XX/XX/XXXX, both before and after we spoke to the other financial institutions. XXXX was the person who answered two of his calls at Discover Bank, and her manager, XXXX, spoke to XXXX and I once. We did not get the names of the other people who answered the calls the other times, but since " all calls are recorded '' it should be no trouble for an investigator to find out their names. The story from Discover Bank has not changed, regardless of who we spoke to there. " It was a business decision '', " if your other financial institutions are unwilling to recall the transactions, there is no other option than to wait 60 to 90 days for us to issue a check '' " no, there is no one else in any other department at discover bank that can help you get your money sooner ''. On XX/XX/XXXX, we received an email from Discover Bank stating that the funds transfer service has been suspended, and to contact us at XXXX to reactivate your suspended account, and that You are receiving this e-mail because you are a Discover Bank account holder. On XX/XX/XXXX, my husband, XXXX XXXX, responded by calling the number. He was transferred to the fraud department and spoke to XXXX XXXX confirmed that the account is closed, suggested that we recall the funds at the banks they came from, and the only other recourse is to wait XXXX days for a reimbursement check, which is absolutely unacceptable. Discover bank says they can not kick or reject the transactions, and kept insisting that the other banks recalling the funds is the only way to access the money faster than this 60-90 days before they issue a check and mail it method. I reread the fine print of the account agreements. Nowhere in there does it indicate ( not even in the " account closure by us '' section ) that Discover has the option to hold my funds for this length of time. Check deposits can not be " held '' for more than 10 business days by federal law... so where/how/why is it allowable for them to hold up my cleared CASH funds for 60 to 90 days without my consent? Point to the law, statute, regulation, or agreement that allows for this, because I do not believe their actions here are legal. We also have trouble believing this promise that we will receive our funds in 60 to 90 days from an institution that treats us this way, and we currently see nothing stopping Discover Bank from making another business decision to keep our funds indefinitely. They have a right to choose to close my account. They do not have the right to hold my principal deposit amounts from me after I demand them. I demanded the cash from my savings account, and they should be able to supply it IMMEDIATELY. Not 2 to 3 months down the road.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Date of Occurrence : XX/XX/XXXX Amount involved : XXXX Company involved : Discover Bank ( FDIC cert # : XXXX ) Nature of Complaint : On XX/XX/XXXX at XXXXXXXX XXXX EST we were unable to login through our mobile banking and prompted to call Discover. When I called we were transferred to to the Fraud department. I spoke with XXXX in XXXX, AZ initially. She explained that our account had been closed due to a " Business decision '' and that we no longer had access to the funds. There was no explanation given and we were not allowed to speak to a supervisor. We were told a supervisor would call us within 24-48 hours. I asked when the funds would be released and she said after the investigation is closed, they would issue after 60-90 days. I explained to her that I am XXXX and due in 60 days, that we are set to close on a new home in 30 ; all to her telling me there is nothing she can do. Over the next few hours I proceeded to call back and attempt to speak to a supervisor. I spoke with multiple representatives all who told me the same scripted message, " a business decision was made to close your account. '' After 3 hours I was transferred to XXXX in XXXX, AZ again ; she proceeded to cry and said " I want to tell you something that is happening but I could lose my job. '' That threw up a red flag for me immediately. She finally transferred me to her supervisor, XXXX ( also located in XXXX, AZ ), who proceeded to tell me the account was closed by a malfunction in the computer. However, there was nothing he could do on his end. On XX/XX/XXXX I spoke with XXXX in Discover 's Fraud department who told me again that the account was closed. I probed further and she finally disclosed that it was due to a check I deposited which included my middle name rather than my legal name ; therefore this was suspicious to them and it was a " Business decision '' by Discover to close the account. I asked why they didn't contact me to confirm that this was actually me, and she informed me this is not how Discover operates. I continued to ask her what we are to do without any money for the next three months and she had no resolve ; stating " it's out of my control. '' Action taken by Company : None. They have not reached out to resolve and they are locking down all funds we have for the next 90+ days without any alternative options.
Company Response:
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: Applied for a Discover XXXX card, terms offered a 0 % APR balance transfer for 15 months with 3 % fee. I applied for the card and the offer on my new account states 10.99 % on XXXX. I have called and disputed this many times and they will not honor what their terms are on the application.
Company Response:
State: FL
Zip: 33772
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To whom it may concern I have a hard inquiry on my credit report from Discover Financial SVC that was dated on XX/XX/2021. During this time I was currently being held under treatment at an Addictions Center called XXXX in XXXX MD. I have no knowledge of this report or why it's on my credit report. I've only applied for one credit card and that was at XXXX. I was denied. That's not the issue, the issues is on XX/XX/XXXX there was no possible way I could have processed that or been home for that. Any comments questions or concerns my name is XXXX XXXX XXXX my phone number is XXXX. My address is XXXX XXXX XXXX XXXX MD, XXXX. Thank you have a blessed day.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: Yes I gotten an email about a few months ago about a 0 % balance transfer and it doesn't seem to be working and I have tried to call you guys and ask what's going on but nobody seems to know the case. I really need to use a zero balance transfer ASAP during these hard time. May I please be able to use the balance transfer for the 0 percent for a 12 month period.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A