Date Received: 2022-04-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Discover credit card has a voluntary closed account shown on my credit report as an active credit card balance which is affecting my credit usage and is showing a usage of 80 % on my credit report. Before my Discover credit card was closed years ago, my credit limit was {$7000.00} and I was placed on a hardship payment plan of $ 65 monthly and Discover informed me that the account will not be listed on my credit report. The Discover account is also not listed on my XXXX XXXX XXXX credit report.
Company Response:
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I signed up for LIFETIME access to XXXX XXXX program call XXXX XXXX where I have access to multiple videos on how to make different crafts. Instead of making a one time payment of {$390.00} I paid through XXXX and made XXXX payments.1. {$240.00} XX/XX/XXXX XXXX {$50.00} XX/XX/XXXX XXXX {$50.00} XX/XX/XXXX XXXX {$50.00} XX/XX/XXXX. On XX/XX/XXXX i when onto my dashboard where the videos were displayed and about 50 videos were removed. I reached out to this company because I was very upset and I complained to them that I only signed up for this company because they promised LIFETIME ACCESS to the videos I was told they were taking the videos down and added new ones. My concern was how do you promise people that have already spent their money on the program LIFETIME ACCESS but youre taking the videos down that we need without having the new videos up. I requested a refund from the company because of FALSE ADVERTISING and misleading information. I reached out to my credit card company thinking they could help me and it was ruled against although I provided information stating the company stated LIFETIME ACCESS to information I had NO ACCESS to. I do not feel this was a fair judgement and I do not think its okay for a company to promise you something until they get your money and then they dont hold up on their end but then they also dont give refunds. How are the customers protected against deceptive practices? I do not think Discover did a proper investigation because its clear that this was false advertising you can say I have LIFETIME ACCESS but the videos that are being removed I clearly dont have access to them or I have to wait for them to redo videos, thats not what I paid forthe right way would have been to leave the videos up and replace them as you go not remove all of them!!!!
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I applied for, was approved and received a Discover XXXX XXXX credit card. After receipt I activated it and registered my online account. The card was fully usable at this time. Several days later I received an email stating that my identification needed to be validated through XXXX using IRS information and my account was temporarily suspended until the process was completed. I called Discover and was told this was a new procedure installed to prevent identity theft. This is very puzzling because as as soon as I received the card I could have literally spent the entire amount of the credit limit. How does this prevent identity theft? Should this not be completed BEFORE a card is physically issued? Honestly this is the most useless identity theft prevention I have ever heard of. I am waiting to obtain the verification then will most likely close the card unused.
Company Response:
State: WI
Zip: 53214
Submitted Via: Web
Date Sent: 2022-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I have lived in the United States close to XXXX XXXX years [ XX/XX/XXXX ]. I believe and/or guess that I am a naturalized citizen today. In my life time [ half of my years on earth and/or the United States XXXX XXXX, I did never have a single chance to get financing of any sort or kind because of many factors which surpassed human ability to quantify and/or analyze the why, when, where, what, which, when questions. I did never walk head up like others when my application gets approved because it is million " Denied '', " Declined '', " Not at this time '' so on and so forth. But through the wills of god., there were times when I overcame unbelievable and/or very bad competitions by financing my personal stuff by myself which always made many other bad guys turn up and get me XXXX or XXXX for some unknown reason., every time such challenges became shame and/or disgrace to the concurrent regulators., or their policies or whatever stuff and new policy must convene because of such and such stuff that has to be brought when something did not work or got beaten by not anticipated pathway. To make the long story short. I have GOOD or close to VERY GOOD credit score [ XXXX ]., I assume. But two recent attempts to make things worth moving by applying for a line of credit which would amount no less than {$990.00} was automatically declined and/or denied for the thousandth or whatever time since XX/XX/XXXX. Where is the intractable obstruction which hypnotized the existing laws, rules and/or regulations.
Company Response:
State: VA
Zip: 245XX
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was a victim of I.d . theft and after notifying XXXX it was investigated and supposedly late charges/payments were to be removed from credit reporting immediately and it was not. Please remove all late payments from closed account and immediately report accurately to all credit bureaus and furnishes of credit reporting.
Company Response:
State: OK
Zip: 741XX
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I opened a secured card with discover in 2020. After one year of making payments on-time, the {$200.00} security deposit was supposed to be credited back to me. Discover sent a paper check which was rejected by both my bank and local check cashing outlets. I contacted Discover 3 times at their XXXX XXXX XXXX office and was informed an ACH transfer would take place. When this didn't happen I filed a complaint with the XXXX XXXX XXXX. A member of their President 's Office contacted me and informed me that I was mistaken, " the check sent can be cashed anywhere '' and he re-sent another paper check printed on paper which is not readable by my bank or check cashing outlets. I would like an ACH transaction or a statement credit. Discover is in violation of the agreement which I signed when opening the credit card which stated that the {$200.00} security deposit was refundable.
Company Response:
State: CA
Zip: 92627
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I received an alert that a {$6000.00} check cleared my account. I did not write or authorize this check, so I immediately called the bank to report it as fraud. They looked at the check and the agent said it was clearly a fraudulent check at first glance to her. She transferred me to the fraud department, my account was closed, a new account was opened, and they mailed me a check claim affidavit. I completed this form and uploaded it on XX/XX/XXXX. I heard nothing from the bank so I called them 2 weeks later and was told that I filled the form out incorrectly and would need to fill it out again. They said they would mail me another form, which I did not receive, so I called them and they sent a new form to me several days later. After receiving the new form, I called the bank and talked to an agent to make sure I completed the new form correctly. I uploaded the new form on XX/XX/XXXX. I received a called today saying the form was filled out incorrectly again and would need to be redone. Now I will have to wait to receive another form by mail, complete it again, upload it again, wait another 2 weeks before it can be reviewed, and see what happens. This means that it will be over 3 months just to get my claim submitted. This is completely unacceptable! In the meantime, I'm out {$6000.00}.
Company Response:
State: OH
Zip: 43016
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
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: On XX/XX/2022 I filed a CFPB complaint that Discover was NOT reporting to the credit bureaus that I have a Discover Account # XXXX XXXX XXXX XXXX as an authorized user. I also filed this complaint with XXXX, XXXX and XXXX to confirm with Discover that I am the owner of that account. After no proper response I filed the claim again on XX/XX/2022 with Discover, and all 3 credit Bureaus. On XX/XX/XXXX, Discover sent me a letter agreeing with all my claims and promised they would provide the proper information to XXXX, XXXX, XXXX and XXXX. ( see Discover letter attached ). This account is reported on the XXXX of every month and although Discover reported for 4 other authorized users for same account ( see attached XXXX update showing the Discover account was updated on XX/XX/2022 for another authorized user ) Incredibly Discover has either failed to follow through or the credit bureaus are deliberately withholding the information. Therefore, as my right I am requesting Discover provide me the date they reported the correction to the credit Bureaus including a copy of the AUD form they claim to have submitted to XXXX, XXXX, XXXX and XXXX.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Discover card doesnt do anything when you purchase something and its defective and the seller or selling items that are defective
Company Response:
State: FL
Zip: 34491
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Discover never researched the fraud charges. I know they did not because the Police is still investigating and waiting for documents. I have asked to see every one of the charges. Also the name of the clients the lawyer charged me for, I've never been to XXXX let alone see a lawyer. I NEVER AUTHORIZED ANY CHARGES. THAT PERSON TOOK ALL MY CREDIT CARDS AND DRIVERS LICENSE. I WAS UNDER EXTREME DERESS ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) TO MEET HIS DEMANDS, " OR ELSE '' I'M XXXX XXXX AND DISCOVER IS MAKING ME MAKE ALMOST {$800.00} PAYMENTS A MONTH LEAVING ME WITH NOTHING TO HAVE FOOD, MEDICINE ETC. I DID NOT DO THIS!!!!!!! ALSO WHY DID DISCOVER GO OVER MY CREDIT LIMIT BY {$19000.00} THIS IS WRONG. I SHOULD NOT HAVE TO PAY ANYTHING BUT DISCOVER WILL NOT HELP AT ALL. THEY HAVE BEEN TERRIBLE TO DEAL WITH. BUT GOING OVER THE LIMIT NEVER HAPPENS ON OTHER CARDS WITHOUT NOTIFYING ME AND CERTAINLY NOT {$19000.00}. I'M PROTESTING THIS TERRIBLE INJUSTICE. THEY NEED TO HELP ME AND REVERSE THE CHARGES LIKE IT SAYS IN THEIR TERMS. I WAS IN FEAR FOR MY LIFE, XXXX AS I SAID, THE FAKE DETECTIVE TOOK ALL MY LIFE 'S SAVING " OR ELSE '' CHARGE ON OTHER CARDS, HOWEVER THE BANKS ON THOSE CHARGES GOT REVERSED. I WILL FIGHT THESE CHARGES TO GET THEM REVERSED PLEASE HELP ME CFPB, THEY ARE WRONG DOING THIS TO ME. XXXX XXXX
Company Response:
State: FL
Zip: 33076
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A