Date Received: 2022-04-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In response to Discover, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : Discover card account ending in XXXX ( Replacement ) XXXX ( Lost/Stolen ) Consumer Financial Protection Bureau Case No. : XXXX Dear XXXX XXXX XXXX XXXX you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are efficiently addressed, your inquiry has been forwarded to my attention within the XXXX XXXX XXXX XXXX XXXX at Discover. Our records confirm that payments did not successfully post to your account that satisfied your minimum balance due from XX/XX/XXXX to XX/XX/XXXX. As such, your account was correctly reported as delinquent to the credit reporting agencies for XXXX and XX/XX/XXXX. Please see the details to my investigation below. On XX/XX/XXXX, your XXXX statement closed with a minimum payment of {$100.00} due on XX/XX/XXXX. A payment was not received, and your account was assessed a {$40.00} late fee. On XX/XX/XXXX, your XXXX statement closed with a minimum payment of {$250.00} due on XX/XX/XXXX, which included a past due amount of {$100.00}. A payment was not received and your account was assessed a {$40.00} late fee. o The account reported to the credit bureaus as delinquent. On XX/XX/XXXX, your XXXX statement closed with a minimum payment of {$400.00} due on XX/XX/XXXX, which included a past due amount of {$250.00}. A payment was not received, and your account was assessed a {$40.00} late fee. o The account reported to the credit bureaus as delinquent. On XX/XX/XXXX, your XXXX statement closed with a minimum payment of {$550.00} due on XX/XX/XXXX, which included the past due amount of {$400.00}. On XX/XX/XXXX, a payment in the amount of {$5400.00} posted to the account via the internet, which brought the account current. I have enclosed copies of your billing statements from XX/XX/XXXX to XX/XX/XXXX for your personal records. As we can confirm that payments satisfying your minimum payments due were not received by your XX/XX/XXXX through XX/XX/XXXX due dates, we are unable to remove the delinquencies reporting on your account as they are a factual representation of what occurred. Although were unable to remove the delinquencies, an update was submitted on XX/XX/XXXX, to the credit bureaus to fill in any missing or inconsistent information. This included the current balance, last payment date and the date the account was opened. Please allow sufficient time for these updates to take place. This is inaccurate, I attempted to make payments from my bank account however, they did not post as there were issues with discover 's processing system. Instead of acknowledging this issue of what took place they completely ignored my dispute documentation in which I will reattach and only provided my past balance statements which provides proof of nothing. I even have autopay enabled on my credit card which invalidates the response that they have sent to the CFPB. On that note i will readd my documentation and ask for the thorough readiness of this document and to stop this activity asap.
Company Response:
State: IL
Zip: 628XX
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX of 2022, I enrolled in a payment plan with my student loan through Discover. Under this program, my account would become current if I made XXXX on time monthly payments, and any delinquent loans would not be reported to a credit agency while on the payment plan. Unfortunately, on XX/XX/XXXX, after making the payments for XXXX, I received a phone call saying my account was past due. I called Discover a few days later to see what was going on, and was told that the payment plan was erroneously applied on the account level and not the individual loan level. This created a problem where certain loans were paid off early while others went delinquent. I was told the issue would be fixed. I got the same call XX/XX/XXXX, and again, after calling, was told the issue would be fixed. I am finding out today, XX/XX/XXXX, that not only was the issue not fixed, but that Discover also reported the erroneous delinquencies to credit bureaus. This has affected my credit by about XXXX points, which is preventing me from finding a new apartment, as my lease is up XX/XX/XXXX. I have been on the phone for over an hour today trying to remedy the situation.
Company Response:
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
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: We made a purchase in the amount of {$3500.00} with our discover card. The merchant did not produce the item we purchased, also they fraudulently signed out name to a line of credit, we notified the AG office, State Department and also the FTC. We reached out to discover to open a dispute of the charge. At no time did they ask us for documentation. They reached out to the merchant and all they did was provide the contract we signed, they did not show proof of good received nothing. We got a letter in the mail from discover closing the dispute stating the charge stood. We reached out and asked them how this could be supplied them with extensive documentation and they did not reopen the cases, nor did they review any of the documentation supplied and told us we needed to reach out to the merchant getting a letter stating they owed us our funds back. We can't contact them! There is no valid contact information they are unresponsive and why we have filed a report with the FTC. This is absurd. Discover is ruling in favor of a merchant who not only scammed us but took us for identity theft.
Company Response:
State: MN
Zip: 55044
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was a victim of romance scam, I may not have the best judgement with my XXXX. But none the less I was scammed.
Company Response:
State: AZ
Zip: 85345
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
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 charged {$2100.00} to my Discover Card, payable to the TXXXX XXXX XXXX XXXX XXXX XXXX XXXXn XXXX, CO, after signing a contract with XXXX on XX/XX/21 to eliminate a timeshare on which I am still currently paying maintenance fees. I called XXXX numerous times to determine the status of my contract with them, and finally was notified that the XXXX phone number was " disconnected ''. Emails to XXXX were returned, and their Web Site was no longer available. Finally after checking with the XXXX XXXX XXXX, I found a XXXX XXXX XXXX article that XXXX was no longer in business and that customers were attempting to get their money back from that contract. I believe that the article mentioned that the Colorado Attorney General was investigating. On XX/XX/21 I received a " Notice of Chapter XXXX Bankruptcy XXXX... '' from the US Bankruptcy Court, US Custom House, XXXX XXXX XXXX, XXXX, CO XXXX, a notice that bankruptcy was file with the Bankruptcy Clerk on XX/XX/21. No services of any type were ever received from XXXX between signing of the contract and notice of the bankruptcy. I immediately notified Discover Card disputing the charge, and requested that this charge be eliminated, and my funds returned, all on Discover 's Online complaint Site. Initially Discover returned the {$2100.00}, but after an investigation, with a letter to me on XX/XX/21 Discover returned the charge to my card, with no explanation as to why the charge was found " to be not valid. '' On XX/XX/21 I sent a letter to Discover requesting that Discover reconsider my dispute, based upon an inability to reach XXXX through any means, and receipt of the Bankruptcy notice, a copy of which I submitted to Discover. I then received a subsequent letter from Discover Card that reasons for the return of the charges to my Discover account would be mailed. To date, nothing further was ever received from Discover. There has been no notice to me of a reconsideration of my dispute with Discover, nor a reason why there has been never been a reconsideration.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Getting a loan
Subissue: Confusing or misleading advertising
Consumer Complaint: I took out a bar loan from discover in 2014. The TILA disclosure stated the loan was not dischargeable in bankruptcy which I have since read in the news is not true.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I checked my credit report on XX/XX/22 and it says I have two accounts which is wrong sense I have only one card. Then it also says that there is a revolving credit which is not right with a balance of {$35.00} and a credit limit of {$1000.00}. I have never seen or recognized this at all. I think something is not right here. I only have one credit card and two debit cards
Company Response:
State: VA
Zip: 22701
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hi, My discover credit card was used on XXXX without my authorization and because of my unawareness from unauthorized use of my credit card therefore I got big debt on my credit card but however Im trying to fix this issue and remove the late payments from my credit report but no one wants to help me not the credit agency bureaus nor the credit card company. During that specific time I was hospitalized and I haven't used my credit card. I do have my hospital documents but since in this email says do not provide anything that include your personal information I did not add it. I can provide my hospital documents if you request later. Thank you
Company Response:
State: CA
Zip: 91042
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2022 Discover deceitfully reported my current balance instead of the statement balance on the day my bill closed which was {$70.00} and my credit score dropped over 37 points. I called and spoke with a supervisor XXXX who stated she would submit a dispute to Discovers credit bureau investigation team. This needs to be corrected immediately as this is an illegal practice. I am not legally responsible for a balance that wasnt billed to me ( especially for a pending transaction that hadnt posted when my bill closed.
Company Response:
State: OH
Zip: 45342
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Getting the loan
Subissue:
Consumer Complaint: I applied for a loan through Discovered and was conditionally approved after a credit check for a {XXXX}. I was told to provide bank statements, proof of address, ID, and social security card. All documents were provided except for back of ID. I was contacted by a representative and told we just need the back of my license to move forward. Once that document was provided the loan was Approved and I received emailed with my loan documents. I reviewed the loan documentation and decided to wait one day to review it with my husband. The next day we went into the portal to sign, and the application and it showed were decline after full approval and verify documents. We have spoken to several representatives, including supervisors and managers, over the course of 3 days and no can tell us why it was decline other than " unable to verify information '' and the reason was proprietary. No specifics and recourse to help us understand what happened. Several representatives stated they dont know why the loan was decline as everything was ok and documents were reviewed. I feel as though Discover has discriminated against me after getting my ID and decided to decline the loan for no apparent reason.
Company Response:
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A