Date Received: 2022-04-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied and got approved for the Discover student cashback credit card on XX/XX/XXXX. I was asked to sign the IRS Consent Form 4506-C for them to verify my personal information. I called their customer service several times, and they asked me if I filed my tax return in the tax years XXXX and XXXX, which I did for both. On XX/XX/XXXX, without any further communication, they closed my account, without me even using the card. And the reason was they couldn't verify my account for the tax years XXXX and XXXX. My XXXX federal tax return was still being processed, and, for the XXXX tax return, I used my ITIN instead of SSN because I didn't have an SSN back then due to my immigration status. There was clearly a miscommunication, and they closed my account and sent a report to credit agencies without even asking me for any further clarification.
Company Response:
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX I received an email from discover which looked like spam asking me to sign form XXXX. I called Discover and was advised that I needed to complete this form by XX/XX/XXXX or my account would be closed for non compliance. I have had this Discover card since XXXX with no issues and have always made my payments on time and mostly have paid the card in full every month. I have never been asked for to sign this form with any other company. And I have an XXXX with a XXXX spend limit. I could see sending something for income verification at application or if I requested a credit line increase, but I have not done anything like that. This seems to be retaliation from Discover since I sued them last year for a fraudulent charge that they would not remove. I cant see how a company would be allowed to access my tax returns when there really isnt a need for them to do so. This seems extremely predatory and deceptive to ask for this after five years and only after we settled our case last year. Its also odd that from most of the reviews I have read online about this is that Discover is closing cards if there are discrepancys which I also find odd considering most people use household income and some households file separate returns if they arent married.
Company Response:
State: NC
Zip: 27591
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Hello, I applied for a new discover card on XX/XX/XXXX in hopes of doing a balance transfer. I have notice of the promotion giving me until XX/XX/XXXX, to take advantage of the balance transfer. Once I created my account, I tried to initiate the balance transfer on XX/XX/XXXX. A discover representative told me that my offer had expired on XX/XX/XXXX and there was nothing they could do to honor the date I was originally provided. Discover provided me with false information and also gave me an unreasonable timeline for me to complete my balance transfer. In addition, between my account application date of XXXX, I was never notified via email that my balance transfer promotion was going to expire. Also, I was not able to complete an online account until I received my card in the mail. I did not receive my card until XX/XX/XXXX.
Company Response:
State: IL
Zip: 60632
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: The past few years have not been easy for myself and my family. I have had low paying jobs for most of my working life, as well as my parents. Discover Student Loans would only " help '' me by lowering my monthly payments by $ 200- {$400.00} a month for only a few months, then demand I pay the full price once again. I have tried applying to better paying jobs, but was either scammed, rejected, or couldn't afford to move to a better location where the truly better paying jobs were. Then the pandemic hit. Discover was only willing to help me for 6 months, then I had to beg and plead for them to give me extra help. I've found out last month that I am being forced to move out, as my landlord does not want myself and my roommates to live here anymore. I can't pay {$1200.00} a month for rent, utilities, food, phone, and car expenses, along with {$1600.00} and change a month when I only make {$2700.00} after taxes. I told Discover my current issue, and asked them for help, as my payments have become late. I have been told by XXXX person that I should have thought about whether I could actually afford college, as opposed to just jumping in. I have also been told that while they " sympathized '' with me, I did sign an agreement between myself, my cosigner, and them. Therefore, I must find a way to pay them back, plus interest. I didn't ask for this pandemic to happen! I didn't ask to be let go because the company was downsizing! I didn't ask to be fired because the job I thought I had applied for was actually a scam! I did as I was told - I went to college, earned XXXX degrees, and applied to the jobs the degrees were meant for, only to be turned away because I " didn't have enough experience ''. All I am asking for is help, not increasingly hiking interest rates, calls from Discover Student Loans XXXX to 8 times a day demanding I pay them even though I tell them I don't have any money to give them yet, and complete strangers berating me and saying I made bad choices with " their money ''. If there is only XXXX lesson I get to learn today : NEVER work with Discover Student Loans. They're nothing more than glorified loan sharks.
Company Response:
State: ME
Zip: 049XX
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
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: On XX/XX/2022, I bought {$200.00} XXXX gift card using my Discover CREDIT card. When I tried to use it, the barista at XXXX said the cards had {$0.00} balance. I contacted XXXX and they kept giving me a turn around. They said someone would email me regarding the result of investigation. Then I got an email from XXXX saying I needed to call to have the matter looked at. Then it went back and forth for several times without a solution. So I contacted Discover asking for a charge back ( that was what credit card customer service was for : to assist customer with situations like that ). Discover said they could not help any situation involving customers and merchants ( even though the customers were cheated ). Card number XXXX
Company Response:
State: CA
Zip: 91770
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am being reported to the credit bureaus for a XXXX late payments when I submitted my payment by XXXX XXXX XXXX. In fairness, I should only be getting reported for XXXX missed payment. I knew that it would not rectify both late payments, despite the error being based on my credit union 's stop payment on the XX/XX/XXXX payment. I had to put in a stop payment with my bank, XXXX XXXX XXXX XXXX XXXX, when I had accidentally paid the entire balance of {$2600.00} instead of a smaller payment of {$200.00} by pressing the wrong button on the app. The stop-payment was put in place by my bank, but I did not know that a stop-payment would be placed against the future payments I would make on the app. I received phone calls from Discover, but I had thought that these were telemarketers or frauds calling me to solicit products. It turned out that my {$200.00} payment for and subsequent {$95.00} payment ( XXXX and XXXX ) were returned by my bank, as well. I had asked the customer service representative at Discover if I could pay by XXXX and resolve the matter of the second late payment -- it was too late, in my opinion, to rectify the issue of the first late payment. I know at least XXXX late payment would be reported to the credit bureaus. He said yes. Under the impression that a wire payment would bring me up-to-date, I paid {$150.00} dollars, higher than what was required, on XX/XX/XXXX at XXXX PM, XXXX. I assumed that it had been posted THAT DAY. I checked with Discover on XX/XX/XXXX, and they said that it did not post, that sometimes XXXX and the like agencies do not POST the payment on the same day. I feel that this is unfair. I paid the money on the XXXX by wire, which should qualify as a same-day payment. Discover reps I spoke to said that because they can not guaranty that the merchant through which I sent the XXXX ( XXXX XXXX store ) might have been the problem, they could not call my payment as posted on XX/XX/XXXX. I have never encountered this problem with ANY payment to ANYONE before using XXXX. I paid my bill, and it should be counted as having made it in before the second billing cycle ended ( ending XX/XX/XXXX ). I wanted to ask for a leniency on this matter. One, I have been an excellent customer of Discover Card for years, and my credit is excellent, over XXXX points. One missed payment -- accidental, at that -- is bad enough, but TWO? It will wreck my credit, and for something I did not know was going wrong. If I can not get leniency on the first missed payment, they could at least acknowledge that I made the second one before the end of the billing cycle by electronic payment. What the merchant did or did not do was not my fault : I had paid the money before the end of the billing cycle. I even had printed proof of a transaction. This is UNFAIR.
Company Response:
State: CA
Zip: 92553
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: There is a discover card that was opened in my name and on my credit report it shows an incorrect birthdate because this card was opened before my XXXX birthday
Company Response:
State: HI
Zip: 968XX
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
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 have a Discover card on my report that was opened years ago. I have been going back and fourth stating that these charges were unauthorized which ran up my card amount and then the card was canceled by the company ( Discover ) because I refused to pay the bill. I can not legally be held accountable for fraudulent credit charges and there were over {$2400.00} worth of charges. The account reporting is not tied to any information of mine. I would like proof of my ID being used to open this account then also of the charges that were accumulated on the account as well. I believe this information is erroneous and needs to be rectified immediately. Removed in good standing.
Company Response:
State: AZ
Zip: 85224
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: There is a discover balance on my account for the amount of {XXXX} with N/A as the payment history. My credit provider doesnt allow me to check the date so Im not aware of when it was placed on the account. I sent XXXX a letter to remove it and havent heard anything back since.
Company Response:
State: TX
Zip: 77581
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Checking on my report, I see that the XXXX XXXX is reporting on my XXXX XXXX , as open accounts and closed on my XXXX accounts or vice verses. This is a valuation on my rights and I want those accounts removed on all 3 credited reporting per 1681b and 1692 codes. Also, these companies are still contacting me via mail, another valuation. Thank you
Company Response:
State: UNITED STATES MINOR OUTLYING ISLANDS
Zip: 89431
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A