Date Received: 2022-03-25
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: Earlier tonight XXXX I tried to make a complaint. I think I typed too slowly or tried to upload too many documents. When I finished uploading documents it said the complaint was not saved. My complaint is against Discover because they don't seem to be trying to answer any questions about how I was scammed by XXXX XXXX and one of their merchants. I'm going to try to upload my 2 page complaint so it doesn't get timed out again. I authorized XXXX XXXX to charge on my Discover credit card for {$3400.00} to get rid of my timeshare legally. However, the charge appeared as from XXXX. Discover doesn't seem to answer any of my questions about how this fraud was perpetrated on me. They won't even clarify who really was the merchant at that time. Although XXXX was on the receipt, in the last few letters I received from Discover they list XXXX as the merchant. I tried to include many, but not all, of the documents I sent to Discover previously. Initially, after I called Discover on XX/XX/2021 to report that I had been scammed by XXXX XXXX, they credited my Discover card account and I thought they were looking into my dispute. However, recently they put that charge back onto my card even though they said they'd let me send more information to them. They didn't wait to get it. Instead they put the charge back on my card before I even received their letter telling me they were going to do that. Discover doesn't really seem to be looking into my dispute. My case is very similar to what happened to the timeshare owners in the case of XXXX XXXX versus XXXX. It was found to be a deceptive and fraudulent practice to promise a service they knew they could not deliver. Discover isn't even helping me get to the bottom of how this could have occurred to me with one of their merchants.
Company Response:
State: NM
Zip: 87401
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I got an email saying : Dear XXXX XXXX XXXX, As a result of a recent review, we have closed the account referenced above. We have taken this action because we were unable to verify personal information on your account. We will report to the credit bureaus that the account was closed by creditor, and credit your account with your card rewards balance if you have one. If you have any questions, you may write to us at : Discover Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Sincerely, Discover Corporate Security
Company Response:
State: ME
Zip: 04106
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX I scheduled a credit card payment for XX/XX/XXXX to my Discover credit card account in the amount of {$200.00}. The following day Discover debited my bank checking account for {$200.00}. This payment has not been credited to my credit card balance, and I am having concerns that my {$200.00} payment has just disappeared and will not ever be credited to my Discover account! This is obviously a flagrant error on the part of Discover card, and they seem to have no interest and are very lackadaisical in correcting this egregious, careless error! Thank you!
Company Response:
State: NC
Zip: 28607
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
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: There is an auto repair company that did work on my vehicle. It was completely damaged after a few days of taking it there. I took it back. The claimed it was something they could fix. They called and said they could not fix it and I had to have it towed out of there. They demanded XXXX. There is no pre-authorization or anything in writing authorizing them to do anything for XXXX. The car wouldn't even operate. The charge was on discover card. They found in favor of the auto place. Despite a police report for criminal mischief for the damage the auto place caused and no evidence showing authorization.
Company Response:
State: TX
Zip: 77008
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Company has not responded to my dispute
Company Response:
State: CA
Zip: 92407
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I got this message from Discover. As a result of a recent review of the Discover it account referenced above, we will be closing your account as of the date of this letter or shortly thereafter. Keep in mind, any purchases or transactions made will still be posted to the account. However, the decision to close your account is final. This action will be taken for the following reason ( s ) : Inactivity on your account ( s ) % of balances to credit limits is too high on revolving accounts Length of time revolving accounts have been established I have revolving accounts that are more that is XXXX XXXX XXXX, using XXXX of XXXX of available credit on all accounts. Yes there was no activity but they never allowed me a change to increase the account activity. This now has a negative impact on my credit score since an account with history has been closed. How is this acceptable with the consumer not being given a change to rectify the issue.
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am having an issue with Discover Bank on the status of my secured credit card security deposit of {$1000.00} being refunded to me. I received notice from Discover Bank on XX/XX/XXXX that my card had " graduated '' with a credit line increase, which also means that my security deposit would be sent back to me ( they said " in most cases '' within 5-7 business days- meaning at the latest I would receive the check by XX/XX/XXXX ). When I first started the card with Discover Bank, I signed an agreement that I could be sent the security deposit via direct deposit to my checking account at a different bank. When I was told that my card had graduated, they later sent notice that they had a system failure and would have to send the funds through the mail ( I received a notice from Discover on XX/XX/XXXX that a check would be issued but later told that it was actually sent on XX/XX/XXXX ). Despite being annoyed that the original method of direct deposit not being honored by Discover Bank, I figured it would be fine since the check was supposed to arrive within one month according to the representative over the phone. I waited a few weeks and never received the check. I decided that I needed to inquire about the status of the check since it had been a while, so I called in to Discover Bank on XX/XX/XXXX. I was told that I needed to wait a few more days based on their policies before I could request a reissue for the check ( it would take up to a month as I was told by a representative due to concerns around fraud ). This first phone conversation was on XX/XX/XXXX and I was told that I needed to wait until XX/XX/XXXX and then I could request that the check be reissued to me. I called in on XX/XX/XXXX to have the check reissued since I still had not received it in the mail. Then, I was told that it would take 15 business days to process that request to reissue the check ( so by XX/XX/XXXX it should be sent out to me at the latest ). I called in again on XX/XX/XXXX and XX/XX/XXXX to inquire about the status of my check and they were not able to provide me any updates on where the funds were at or if it had been reissued at all. All they were able to tell me was information on if a representative sent a request in for a reissue, nothing more. Discover Bank said that the new check should be sent out by XX/XX/XXXX, which is 15 business days after XX/XX/XXXX. I was told by Discover Bank that a representative would call me on XX/XX/XXXX to update me on the status of my check. I never received a call, so I waited a few days until XX/XX/XXXX. I called in again and was told that they would not be able to give me any additional information on the status of my check, as they did not know if it had been sent out again, even though according to their own policies, it should have been sent on XX/XX/XXXX. During this entire process, I had been told different dates to call back in on to inquire on the status of the check and was told different processing times for the waiting periods and the reissuing of checks- indicating poorly trained representatives. I should have received the money via direct deposit in late XXXX, or by check around XX/XX/XXXX. Discover Bank has had many business days to help me resolve this issue and they have not been able to provide me with any more information than I had in late XXXX. They are completely disconnected across their organization and are not able to assist customers with funds that rightfully belong to them - as agreed upon when signing up for the credit card direct deposit refund. In total, I have called Discover 5 times over the last month and I have not been properly communicated with on the status of my direct deposit and have been misinformed on waiting periods and reissue policies. In fact, I have informed Discover Bank employees of their own policies, as they were unaware of the policy. Discover Bank does not have transparent policies and their own employees are not updated on the policies to assist customers over the phone either. I have been consistently misled during this process and have been misinformed each time I have been on the phone with their customer service representatives. I was first told that their direct deposit system had failed to send my security deposit to my bank account due to an error on their end. Then in my most recent call with them, I was told that it was actually a conscious decision to end security deposit refunds through direct deposit to bank accounts starting in XX/XX/XXXX. I was never informed of this policy change until XX/XX/XXXX - three months after this change has taken place. Discover Bank has not done anything besides telling me to wait longer to resolve this issue. I have been told that I would receive communication from the bank and not once have they reached out to me to help me resolve my problem, or even provide me with more information on the status of my check. Overall, Discover Bank needs more transparency for their customers on their policies and policy changes, and to be held accountable when they are misinforming their customers.
Company Response:
State: WA
Zip: 98102
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: IDENTITY THEFT
Company Response:
State: CA
Zip: 90043
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: To whom it may concern, my urgent request for an investigation into identity theft and fraud has led to the Discover Card company violating my rights. XXXX XXXX and XXXX of the year XXXX, Discover Card allowed the activities that as of right now constitutes fraud and theft. I have verbally spoke with the company to the heights of argument over records and misrepresentation. The credit card company has fought with me over months and has allowed the same person who took advantage of my personal information to continue misleading and lying about the account that she opened using my vital information. Up to now, Discover Card has denied my rights under law to thoroughly have the investigation that this issue calls for. Also, Discover card has enabled this person to manipulate policy, precedure, and protocol, allowing her to doom my credit history with no penalties towards her nor this situation reversed or investigated. I have proof to how, when, why, and documents to show that Discover Card did knowingly violate my rights to privacy, violations of 15 U.S. Code 1644, and enabling criminal activity. The card that was established in my name, I did not know about until XXXX. The card had been a secret from XXXX to XXXX as of my knowledge to whose credit the card would be accustomed. In XXXX, I received a call from Discover Card stating that I had defaulted on an account associated with my name and social security number. Upon my questioning Discover how was the information that was presented, at that time, valid. Discover asked me about my last XXXX digits of my social security number. I quickly gave the information and was presented with the harsh news. Since then I have pleaded my innocence, reported other cards that had been established the same way by the same person, been denied my rights to dispute, sent numerous bills, witnessed the admittance from the other party, shared the admttance with Discover Card, complaints filed, tried clearing my name, and receiving responses from the credit card company that are disturbing. Like for instance, after many conversations with the other party, a representative of Discover Card during the height of pandemic, shared with me that the other party stated that I was computer illiterate and had discussed applying for the card through Discover in which both exaggerated lines are so far from the truth. This and many exaggerations led Discover to deny me and my accounts of the truth the due course of dispute, termination of all debt because of the fraud, and a host of embarrassing, anguished, and uncalled for arguments on social platforms like XXXX. The city in which i lived knows about this altercation and misuse, my family, friends, associates. And the other party has been pleaded with to admit the truth and get the issue fixed in fear of her being charged or other important lives such as my XXXX and her XXXX XXXX as result of her actions. I received a letter from the DOJ 's consumer protection. The letter suggests that i contact you, the CFPB for assistance. I place my whole truth in plain sight with this complaint. The sad revelation is that the other party is the mother of my child. All I want from Discover is that they restore my good faith by going back and undoing the mess that Discover caused while disputing against my truth, and that they erase my history with them, retrieval of all letters, bills ect., the discontinuation of any form of debt through invoice that would be sent with my name attached, and apology for allowing this misrepresentation to lead to my credit being damaged. Above all, in my request for remedy, all forms of XXXX or ill-will be prohibited. Along with monitoring by all the credit bureaus and higher authority in the case that Discover Card seek to hold anyone besides themselves accountable for this grave mishap. With the confirmation of the above course of conduct, I give assurance that I will not file any type of suit entering Discover Card as predatorial or any form of suit in court towards this company. This letter will be stored and recorded because I desire all truth to be known. A special thanks goes out to all the CFPB 's constituents and the byproducts of our society 's bureaus who regulate misuse and misconduct.
Company Response:
State: NC
Zip: 27127
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXXXXXX XXXX XXXX XXXX and Discover all lied to me and reported late payments on my credit report when they promised not to as I paid off the balances in full. I have the conversations recorded where they said they would not report the payments as late because I was sick qith XXXX XXXX. All of them then immediately turned around and put a late payment on my credit. Which caused other accounts to do hard pulls on my credit report without my permission or any notice which then further damaged my credit score. All of this resulted in Discover card and XXXX XXXX closed my accounts due to my current credit situation, citing a reason that was not a part of the approval process when they approved the credit lines. This did further damage to my credit report. A VERY SIGNIFICANT AMOUNT OF DAMAGE. I own my own buisness and am struggling to to keep it open. Because of all of this no one will lend me a dime and I will be out of buisness before the end of the summer 2022. This completely skewed policy or loophole that allows a lender to close your account because suddenly they are unhappy with my credit score allows them to, subsequently, do a bunch more damage to your score should not be legal. Why is there no one on the side of the consumer? No pathway for recourse? I've tried calling the creditors numerous times to get them to take it off, I've disputed this with all of the mentioned creditors with the big three agencies numerous times. This has single handedly ruined my life and my future. Getting XXXX for 2 months was not supposed to be met With financial ruin yet here I am before you, the ruined man about to be XXXX, XXXX XXXX XXXX, lose the reputation I've built around my service, and the immense amount of credit building I've been doing the last three years has been all for nothing. Thanks to all the banks and corporations who own our government. Who run our country. Who ruin our country. In the name of their greedy shareholders bottom lines. I am XXXX. Please help me.
Company Response:
State: AZ
Zip: 85205
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A