Date Received: 2022-03-17
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 XXXX I made a purchase through XXXX for an item offered by XXXX XXXX The item arrived damaged. I discovered the item after it was delivered, noted and documented the damage. I contacted XXXX requesting a return shipping label. XXXX responded, saying they do not solve third party transactions, but forwarded my complaint to the seller. However, I received email confirmation of the delivery from XXXX. At the bottom of that email, is a discloser that says XXXX handles all disputes with orders through XXXX or XXXX XXXX transactions. XXXX said via email, that the seller would contact me. In the meantime, I contacted XXXX requesting a return shipping label for the damaged item. XXXX responded after a few days with tracking number XXXX, and a XXXX XXXX arrived and took the damaged original package containing the item. I received no further communication from XXXX, and no contact ever, from the seller, XXXX XXXX. In their response to Discover, XXXX alleges that I failed to contact XXXX. Their email correspondence with me, clearly makes that statement false. I disputed the transaction through Discover, who posted a temporary credit. I uploaded evidence of the item being return to the seller, with tracking number XXXX. The seller signed a receipt for the returned item on XXXX. Some XXXX months later, Discover notified me they had received information from the seller, who contested my dispute. Discover determined the charge to be valid, based upon the response from the seller and from XXXX. Disregarding that the item was received damaged and was returned. I have again disputed this transaction, complaining of the seller 's and XXXX 's false information in their response to Discover, and their fraudulent actions. Considering the item was damaged, the seller could collect for the damaged item, with a claim through XXXX. Instead the seller is attempting to fraudulently maintain a charge for a returned item.
Company Response:
State: UT
Zip: 84404
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am currently incarcerated, my information was used to open credit accounts without my consent or knowledge. Recently, I got married and allowed my wife to check my credit reports only to see inaccurate and fraudulent information being reported. I have recently ( XX/XX/2022 ) sent out letters with proof of incarceration to each company reported on my 3 credit reports.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: new and updated information. Company has not responded to my letter that was received XX/XX/2022 Company has violated my rights by not completing investigation within 30 days and by furnishing my personal information to companies without my consent.
Company Response:
State: FL
Zip: 32068
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-16
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: A fraudulent automobile dealer, ( XXXX XXXX in XXXX Ga ) charged my credit card despite not completing repairs properly. They held my car hostage and refused to return it unless I paid their ransom. I reported this fraud to Discover and they " Claimed to open an Investigation ''. However, they became a party to the fraud when they simply accepted some reciepts from XXXX XXXX with no explanation of the charges as justification of the charges. I expect XXXX XXXX AND Discover to make things right and return the XXXX to my account.
Company Response:
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This company is my only credit card agency that failed to secure customers ' security and privacy. It did not implement XXXX step/factor authentication. My repeated calls, emails, secure messages requesting implementation of XXXX have been neglected and appeared to have refused.
Company Response:
State: OH
Zip: 44120
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
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: Hello, This charge was a fraudulent charge. I am a victim of identity theft with an ongoing police investigation. ( If a case number and or the lead detective are needed, I will be willing to share them upon request ). Immediately a dispute followed with Discover card. Was denied based on " documentation sustaining the charge to be valid '', documentation todate not revealed to me- the consumer and victim in this case. Reached out the 2nd and 3rd time. The re-denial is based upon the same information ( without gathering new information from the vendor as necessary upon re-opening the dispute ). My understanding is that, the first communication from the initial charge has been used by Discover over again to their leisure to determine the approval or reversal of this fraudulent charge. It is very disrespectful to be ignored and my case disrespected by Discover. Thank you for your help with this dispute. XXXX XXXX
Company Response:
State: NY
Zip: 11209
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I applied for a credit card with Discover with a credit line of XXXX. My application had got approved. While waiting on my credit card, an agent from Discover emailed me in regards to submitting additional documentation in order to have access to my card. They asked for my bank statements and tax documents. Ive already sent them my bank statements, which is not required to fill out the application for the credit card. Discover asked for my consent to review my taxes. I dont consent to sending my tax documents simply because its not a requirement when applying for a credit card or after once youve been approved. And because Ive already sent them my bank statements. I feel that they are discriminating me due to my race & my XXXX orientation. Im XXXX. No one else I know has gone through this process or are going through this process. Had I known or was made aware at the beginning of the application process, or even after I got approved, that l was going to have send in additional documents to get my credit card, I would HAVE NEVER took the time out to apply for this card if I knew I was going to be hassled & discriminated against due to me being XXXX and XXXX. Theyve already ran my credit and now its a hard inquiry on my report. Which stays on my report for 2 years. Which also makes me feel like they are trying to sabotage my credit score. So Im still confused in regards to why they are still wanting additional documents. Its my right to deny Discover consent to look into my tax information. I called Discover and I even asked why they need this information and I was told by a supervisor that I couldnt get that information for security reasons. Which is even more confusing because how can you not give me information thats pertaining to my account. So I need someone to reach out to me ASAP, because I want to nip this in bud so that it wont happen to me or anyone else.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2021, I was hacked with instructions to buy XXXX gift cards in order to release my bank account. I bought the XXXX gift cards and scanned them into the computer as instructed, to find out that it was a scam. The XXXX gift cards were purchased using my Discover credit card ending in # XXXX. When I contacted Discover to reverse the charge, Discover responded that " it has been determined that no fraud occurred... You will be responsible for the entire balance on the account ... '' As such, I paid the balance, despite the dispute, so that interest would not continue to run. I filed a Victims ' Report with the XXXX XXXX Police Department, Fraud Unit, Case # XXXX. Attached is the letter from Discover and the Victim 's Report. The amounts involve two charges, one for {$10000.00} and another for {$5000.00}.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Pursuant to 15 U.S. Code 1666b - Timing of payments Discover Bank you are in violation.
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: It has come to my attention that DISCOVER FINANCIAL has denied me of credit. I would like to first put you on notice that I, a NATURAL PERSON, CREDITOR, and APPLICANT am aware that the denial letter given is an ADVERSE ACTION pursuant to 15 USC 1691 ( d ) ( 6 ). As the Original Creditor I initiated the CONSUMER CREDIT TRANSACTION using my credit card pursuant to 15 USC 1602 ( L ) making DISCOVER FINANCIAL an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. This denial letter is identified as a deceptive form pursuant to 15 USC 1692j. I DID NOT benefit from the consumer credit transaction, but I was injured instead. You pulled my XXXX credit file with a hard inquiry which means DISCOVER FINANCIAL benefitted from the transaction. I am the one who extended credit through the credit application. DISCOVER FINANCIAL used my credit information to get paid when I should have benefitted as well. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). No credit card shall be issued except in response to a request or application thereof says Congress pursuant to 15 USC 1642. Pursuant to 12 CFR 202.9 ( b ) ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action.Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. DISCOVER FINANCIAL is civilly liable for violations of TILA pursuant to 15 USC 1640. DISCOVER FINANCIAL is civilly liable for violations of ECOA pursuant to 15 USC 1691e. I DEMAND the credit applied for to be approved. I demand my card be mailed to the location information provided.
Company Response:
State: IL
Zip: 60827
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A