Date Received: 2022-03-23
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Discover supposedly sent funds in account ending in XXXX, the amount of {$140.00} to XXXX XXXX on or around XX/XX/XXXX, I believe in error, as well as the amount of {$690.00} also sent to XXXX XXXX around same date. It is now XX/XX/XXXX, XXXX XXXX has not issued a check for either amount or any amount for that matter to date. It appears XXXX XXXX is unable to locate either payment amount in their system, payments appear lost at this point. I've spoken with numerous reps in XXXX XXXX Executive Office as of today, XX/XX/XXXX, unable to locate any payments detailed above. The amount of {$690.00} represents a fraud claim in which case, funds go to issuing bank, XXXX XXXX. The amount of {$140.00} represents partial remaining funds in Discover account which should have been sent to myself, not XXXX XXXX... Discover may deny this is an error, will not admit fault, however, funds are not part of fraud claim amount and should not go to XXXX XXXX Additionally, as stated before, XXXX XXXX has not sent a check for either amount or any amount to date..Discover needs to reimburse for lost funds.
Company Response:
State: CT
Zip: 06320
Submitted Via: Web
Date Sent: 2022-03-23
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: Spoke with XXXX on XX/XX/22 at XXXX I was given relief on my missed payments. I was negatively impacted by the coronavirus pandemic and missed payments on my discover card, When discussing the cares act with the agent, asking that since I received relief with the accommodation of waived late fees that the account should reflect as current. This was not provided to me. On XX/XX/XXXX I spoke with 2 agents I was given a refund in late fees and encouraged to raise my limit.
Company Response:
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX and Discover Bank is furnishing unverified information on my consumer report in addition to - reporting a charge off on my report AND sending me a 1099. Per IRS, 1099 's are reported as income. Income is not to be furnished on my consumer report. - Furnishing information on my report without my signed written consent to furnish my private information
Company Response:
State: FL
Zip: 32068
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am very hurt that I contacted Discover Bank to let them know I had my unemployment the end of last year which is why I had troubles making payments. I have always been on time and keeping my credit card in good standards but Due to covid related reason I had trouble. When I contact discover for any solutions they had for me to continuning doing business. I was told that I enrolled into a special plan where i make {$97.00} as a payment plan and it wasnt going to be closed. Next thing I know Discover closed my account. I am very hurt in this time of the pandemic.
Company Response:
State: FL
Zip: 33435
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
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: Dear Sir or Madam : I am writing to dispute the charges as they appear on my statement : TRAVEL AGENCY FEE XXXX VA {$480.00} and TRAVEL AGENCY FEE XXXX, VA {$1700.00}. These items of XXXX and XXXX from an unidentified Travel Agency in XXXX, VA are in dispute because they inaccurate and or incomplete due to services not being rendered. We are not questioning the legitimacy of the charges, but rather making this a cut and dry non-receipt of services which were clearly not rendered. The tickets were booked, unknown by me and my party, through a third party travel agency who never identified themselves as such when we spoke on the phone. When we called to ask about our tickets through XXXX, with whom we thought wed booked, we were only told we could choose a re-book time for the tickets. However, as you may know, it became implausible and nearly impossible to rebook because the country my party and I were planning to traveling to had closed their borders to U.S. citizens. We brought the tickets as a group on different cards and spoke to the company on several occasions in order to sort out the charges and work with them on getting a refund, but ended up starting a dispute because we were no longer sure whether the company had actually sold us real tickets. They were neither friendly nor helpful and NEVER personally sent me the information I requested on the breakdown of the charges. We, as a group, talked with a person named XXXX several times about the charges and possibly receiving a refund. A refund we would have likely received if we had actually booked directly through the airline as we had been led to believe. A compensation I wonder if they, themselves may have received from the airline. Yes, there was confusion about the charges when we first talked ( because nothing was clearly labeled on my card statement ) and that was cleared up slightly, but questions still remained. The other person we purchased tickets through was named XXXX and no one in my party was ever able to speak with him. We were always told he was on vacation or away from his desk. We ended up never talking to XXXX or being able to ask about the charges. I would like to make it known that they also would not acknowledge that the Airline themselves canceled our flight. It was not canceled by us, the purchaser of the tickets. Nor was it within our power to accept a rebooking of the flight not knowing when we could fly again. The circumstances did not allow it. I will be posting copies of the emails we did receive after booking the ticket. I never received an email directly although the charges were on my card. They emailed another person in our party and I received the emails through them. Also, I would like to point out that according to the rules posted in the U.S. Department of transportation website we are entitled to a refund of even non-refundable tickets if : Passengers who purchase non-refundable tickets are not entitled to a refund unless the airline makes a promise to provide a refund OR the airline cancels a flight or makes a significant schedule change. XXXX XXXX XXXXXXXX That latter case has happened. So, if this company operates out of the U.S. as their multiple U.S. addresses imply, we are truly entitled to a refund. Their former address of XXXX VA claims has ( it would seem ) recently changed to recently changed to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX, XXXX ( still a U.S. address ) Please re-investigate this these matters and correct the disputed items as soon as possible. I will also be posting other items supporting my position. The above was the exact letter I sent to my credit card company about the dispute. This was two years ago. They ruled in the favor of the travel agency without realizing they were dealing with two different companies that we were sent to by XXXX XXXX themselves! The two companies are named XXXX XXXX and XXXX XXXX ( and yes that's spelled with XXXX XXXX ' ) XXXX XXXX only sells tickets in bulk to travel agencies and XXXX sells tickets to individuals. I still don't know if they are separately owned companies, but they certainly work together to confuse the consumer. I called both of these company numerous times. I was told by XXXX XXXX that they had refunded the ticket amount to XXXX minus fees and I should be able to get a refund with XXXX XXXX XXXX When I called XXXX I was initially promised a refund on a phone call which is ( recorded ) only to have them take back that promise after they found out about the chargeback. They vindictively withheld the refund because they were upset about the chargeback! Two of my traveling companions received a full refund for their tickets because their credit card company dealt directly with XXXX XXXX! I felt and continue to feel cheated by my credit card company who failed to recognize what was happening. They failed to see how I and my traveling companions were cheated by three travel agencies and an airline company!
Company Response:
State: CO
Zip: 80013
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
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/XXXX, my wife received a phone call from a Discover Card representative who called from the collections department regarding a past due balance. During that conversation, the agent and I discussed the amount due, when the payment needed to be paid, and options for payment. The representative advised that she could set up installment payments because the amount due was larger than our normal payment and she told her that she was reluctant to go with an installment payment plan because she was worried that doing so would not keep the account in good status and that she was concerned that it would report late to the Credit Bureaus. She advised that because the installment payments would be set up to cover the full amount due, it would not report to the Credit Bureaus. That is the only reason she agreed to the installment plan. Sometime after the installment plan was set up and payments had already started drafting my bank 2 cover the installments that were being withdrawn, I received an alert in my email from one of the credit bureaus and it turned out to be an alert showing that Discover had reported the account being reported 30 days late. That is when we knew we were given the wrong information by the representative the day she called to set up a payment. We knew that all calls were recorded so we did not think that we would still be dealing with this situation and trying to resolve a problem that could easily be resolved if discover would just listen to the recorded call. I previously reported this issue to the CFPB, reference case number XXXX XXXX as a complaint regarding incorrect information being reported to the Credit Bureaus XXXX I am now reporting this as the complaint not being properly investigated. In all of my contacts including my initial contact with Discover I requested to have the phone call that was recorded reviewed and each time I was told that it would but in a letter dated XX/XX/XXXX from XXXX XXXX, The Executive Office of Consumer Advocacy XXXX advises In reviewing this matter we were unable to retrieve the call information to confirm what information was provided by our agent in the XX/XX/XXXX telephone call. I have no control over Discover 's inability to maintain recorded phone calls therefore not being able to retrieve the recorded call is not an adequate excuse to validate the reporting of the account as late to the credit bureaus. We have made numerous phone calls, we have reported my dispute to the credit bureaus directly, we have emailed the executive offices and we have emailed executives directly ( although the direct emails to executives were intercepted by XXXX XXXX and never reviewed by the actual executives the emails were addressed to ) and to no avail, the situation continues to be discarded as if payment was intentionally made late by accepting the offer to set up installment payments when that is not the case at all. We would not have agreed to installment payments if we had known we could not trust the information we wer given. We paid the full amount due that same day. I followed through with paying all of the installment payments with no issues.
Company Response:
State: VA
Zip: 23321
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: First the identity theft was after scam. I didn't know I was being scammed until the wire transfer was done. And I kept trying confront the person, the account that the money went to had nothing to do with customs, that's how I learned, it was a scam. After that the same person got a hold of my account information, trying to deposit a bad check. So learn the whole story before denying me anything. You did not investigate because you don't even have story correct. Maybe your involved in the scam.
Company Response:
State: AZ
Zip: 85345
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
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 contacted XXXXXXXX XXXX XXXX to repair a wheel I have. On XX/XX/2001 we agreed on the work to be completed and the price. I am in XXXX, XXXX XXXX is in XXXX NC .I sent him my wheel. About XXXX XXXX after some phone calls and texts I started to be concerned how the wheel was being repaired. After more conversations I was certain the wheel was not being repaired properly despite XXXX continually tell me they did what I asked them to do. Then about XXXX XXXX he sent me a message : " The hub and lug seats are true to the outside of the wheel. It was done on a XXXX milling machine ''. That was what I wanted done. I sent payment. He sent wheel back. I received my wheel and Immediately saw he did not do the lug holes and the bore was wrong. I put the wheel on my car and saw that it was still wrong, XXXX had fixed nothing. I did a charge back through Discover. They sided with the business. We explained to Discover the issue on the phone and they agreed to do a second charge back. They again said transaction was valid. This was around XXXX XXXX we called discover back, they agreed to send me the document XXXX sent to discover. most of that letter was false information. I have sent new documentation to discover, documenting that the wheel was not repaired. I will also send you copies of that documentation. I never would have paid XXXX if I knew he was cheating me. I have the wheel, It is not useable, yet XXXX still says he did no wrong. I just don't understand how all this is possible.
Company Response:
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: frequent call culminating with calls to my girlfriend and leaving messages at her number...
Company Response:
State: CO
Zip: 80234
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Company Response:
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A