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
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
Date Received: 2022-03-14
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 am a XXXX XXXX, resident of XXXX, Texas. Customer of Discover with Card No end with XXXX. ( Discover Dispute # XXXX ) With great pain, I say that I have been Ponzi scammed. I learned the hard way that due to gaps in XXXX 's policies, scammers have a free run. Let me share my story with you. I was a newbie investor and signed up for a service that promised better returns. Initially, I had some gains and mostly losses. I continued to follow his investment alerts but started making losses. When I confronted him about the loss, he suggested that I join his private club where my principal/capital will be safe and make 2x-5x returns in a single day and I would get such an alert once a month. After a lot of discussions and assurances, I signed up for his private club through XXXX by paying {$50000.00} ( Scammer asked me to make payment only through XXXX which I paid through my discover bank assuming it to be safe ). I received my sure shot 100 % signal in XXXX and invested {$75000.00} based on his alert and lost {$67000.00}. When I reached him for compensation as per the agreement, he asked me to arrange for capital again and this time I would receive a stock alert that would recoup all my losses and named it as " core signal '', which happens only once a year last time someone made +74,900 %. I felt all his words to be fishy and reached out to XXXX for help as he wasn't ready to refund the money that I paid. XXXX suggested to request credit card for a chargeback. I reached out to the merchant aka XXXX Based Scammer but no response either from their customer care or financial analyst. It is not only me, many others have reported this scam but discovel has choose not to do anything and this XXXX XXXX based scammers who are not even registered with SEC are looting many innocent people. I urge your office to intervene and ask Discover to rescind the transaction as per consumer protection laws. As per suggestion from SEC, FTC, Police, I have registered a complaint with all authorities. Note : A police case has been filed against the scammer with XXXX Police with Case XXXX, Reported to FTC with report no. XXXX, SEC Submission Number XXXX & CFPB Complaint ID : XXXX Regards, XXXX XXXX Note : A police case has been filed against the scammer with XXXX Police with XXXX XXXX, Reported to FTC with report no. XXXX, SEC Submission Number XXXX & CFPB Complaint ID : XXXX
Company Response:
State: TX
Zip: 77380
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-13
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Repeated transactions declined for suspected fraud activity but transactions are valid and authorized ( 4> in 24 hrs ). No history of claims for fraud on account. Verified transaction by phone but more transactions blocked in subsequent 24 hours. Received email saying to call XXXX but was advised that nobody could resolve the issue.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
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 been a DiscoverCard holder/member for 20 years with XXXX missed payments. However, I am now aware I've been charged recurring fees for the DiscoverCard Payment Protection Program since 2008. I did not willingly agree to pay for this product, nor did I agree to it. Therefore, the DiscoverCard Payment Protection Program was activated without my consent. The DiscoverCard Payment Protection Program is a XXXX XXXX marketing practice worthy of federal XXXX charges.
Company Response:
State: MS
Zip: 392XX
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Someone is using my information for apartment leases and try to open a credit and also trying to get loans
Company Response:
State: MS
Zip: 38671
Submitted Via: Web
Date Sent: 2022-03-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-12
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: I sent a copy of a statement with remittance transfer and correct verbiage and tender of payment and it was destroyed and disregarded and thats a violation of both Public law 106-229 and 15 USC 1693o-3 . I have recorded call of them opening a dispute and crediting the account allegedly but no changes have been made and now I have a late payment and my utilization is impacted affecting my consumer report.
Company Response:
State: IN
Zip: 46324
Submitted Via: Web
Date Sent: 2022-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-12
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: Hello, On XX/XX/XXXX, I received an alert from my XXXX monitoring service that my Discover account was delinquent and the company had flagged my account 30 days past due. I was shocked because ( 1 ) I am NEVER late in paying ANY of my bills, and ( 2 ) I had not received any bills from Discover. I immediately called Discover and was told that no payment was received for XXXX or XX/XX/XXXX. I explained that I had not received any bills for those months but to rectify the matter, I instantly paid them the full balance of {$160.00} over the phone. They agreed to waive the late fees and interest. Please note that I hadnt seen any Discover bills and didnt even know what I was being charged for. I simply paid what they said I owed. I pay ALL of my bills via XXXX XXXX Online Bill Pay service and have been doing so for longer than I can remember. When I contacted XXXX Bill Pay department about the Discover issue, I was informed that my Discover account was shown as inactive! XXXX was unable to explain this. As it turned out, several of my bill pay accounts likewise showed inactive status. XXXX agreed to look into the matter. The following day, XX/XX/XXXX, I received another XXXX alert stating that my credit score had dropped 85 points! I was extremely upset to learn this because my credit score consistently lingers between 840/845 and 850. ( That alone likely gives you an indication of how I handle my financial obligations. ) The Discover and XXXX matters were back-burnered for nearly 3 weeks because life kept getting in the way. : - ) ..Going backwards four months, In XX/XX/XXXX, I inadvertently left my wallet in my shopping cart. As soon as I got home, I notified all of my billers and canceled all of my cards. When the new cards arrived, I called the number on the sticker to activate them, removed the sticker, and signed the back. Done and done and good to go, so I thought.. OK, back to where we started On XX/XX/XXXX, I called Discover again and spoke with XXXX in Illinois who believed she had figured out what had happened. She explained that when my new Discover card was issued, it was non-functioning because I had not signed on to discover.com. This made no sense because I never sign on to discover.com, nor do I have any reason to. Apparently, Discover somehow believed I paying them through their website via electronic billing. Nope! Never happened! I filed a dispute through XXXX that night. ( XXXX was closed ). The next day, XX/XX/XXXX, XXXX at XXXX helped me file a dispute with Discover Card. XXXX also advised me to contact Discover again and ask them to remove the late payment history since the error occurred on their end. I made that request to Discover rep XXXX. She checked with her supervisor who refused the request because, according to him, they have proof that email reminders were sent. However, per XXXX, the emails were flagged as undeliverable, so clearly, I never received them. XXXX also verified that I have been with Discover for 17 years and have an excellent history. On XX/XX/XXXX, XXXX from XXXX filed a second dispute which included the above information from XXXX and XXXX. The result of that dispute is that Discover changed the month of delinquency from XXXX to XXXX. XXXX? Not only is that utterly ridiculous but it also makes absolutely no sense, especially since I paid the delinquent amount on XX/XX/XXXX. There was no more XXXX could do, but XXXX did suggest that I file a complaint with CFPB. I continued to reach out to Discover in an effort to speak with someone higher in the food chain. I spoke with XXXX supervisors, XXXX and XXXX, both of whom verified that the emails sent to me were flagged as undeliverable. They also both explained that it is not possible to reach any XXXX higher than supervisor. XXXX further explained there was nothing more he could do but he would flag my account with the credit bureaus to reflect that I dispute Discovers claims. I asked XXXX to provide copies of the flagged emails ; she explained that that could not be done. Why? My credit report shows that Discover flagged my account as 30 days past due. While that is a true statement, hopefully I have proven to you that the non-payment error is on Discovers end and I was, in fact, completely in the dark until I received an alert from XXXX on XX/XX/XXXX. After 17 years as a Discover client, wouldnt you think they would call or send a letter regarding the very unusual behavior in my account, especially since their emails were returned undeliverable? Instead, it seemed like they were chomping at the bit to flag my account. My long-term previous and accurate credit score ( XXXX ) and my payment history for all accounts proves that I take my financial responsibilities seriously and, frankly, I am livid about the 85 point drop that occurred through no fault of my own. As I understand it, this stays as part of my credit report for XXXX years! Discover needs to acknowledge their error and remove the late payment history that they created through their own incompetence. I know this is lengthy and I do appreciate your time and attention to this matter. Kindly contact me should you need any additional information. P.S.>>> I do hope Discover gets a copy of the above as I believe it will help them understand what transpired. Very sincerely, XXXX XXXX XXXX XXXX ( H )
Company Response:
State: DE
Zip: 19810
Submitted Via: Web
Date Sent: 2022-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Attempted to use my Discover XXXX card and was declined. Called Discover directly, because I was confused and concerned that fraudulent activity may have occurred. Spoke with XXXX, who told me my account was closed for inactivity - he also said that correspondence was sent, along with an email. The last emailed recvd was XX/XX/20 & XX/XX/20, advising my covid relief had ended. I never received correspondence via US mail or any other shipping entity. I was then transferred to another XXXX who wanted me to apply for another card - adding insult to injury ... my score declined due to closure, and my score would decline if I applied for another card. An issue like this tends to be systemic and XXXX many times. It is exhausting as a minority to receive the same consideration that non - minorities take for granted. I am absolutely tired of being invisible and dismissed - all of my XXXX scores are in the XXXX range. My wife and I have three other Discover accounts in excellent standing - this account was in excellent standing. I will also be filing a complaint with the FTC. It seems that I am only seen OR heard when I leverage goverment paths like the CFPB or FTC.
Company Response:
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2022-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: During XXXX XXXX XXXX I stopped using my Discover card and began to pay off the balance. I was getting close to the limit and didn't want to go over. In XXXX XXXX XXXXXXXX I began to notice a reoccurring charge. The charge was the " payment protection '' fee. I spent the next 3 week talking with Discover. I requested that they produce the document where I agreed to the enrollment in the program. They said they didn't have. They eventually said they can give me {$800.00} to settle the dispute. I told them no, I wanted all charges to be returned. I requested the total amount that had been stolen and they refused to show me. Once they offered the {$800.00} they credited my account, despite my refusal, and then they stopped taking my calls. I hired an attorney to send them a letter, but they would not respond to the attorney. After doing some research I found that there was a class-action law suite in XXXX where they were ordered to stop the practice as well as pay refunds, and there was to be no action to take on my part. I was never notified nor did I receive any payments. On top of this up until XX/XX/XXXX they were still charging me the " payment protection '' they were ordered to stop. I also saw that " XXXX XXXX XXXX '' and " XXXX XXXX '' was mentioned also. I was also enrolled in these products and was told they were part of the card, not separate items that had additional charges. I have tried to speak to Discover and have tried to have a lawyer speak on my behalf and I have been meet with a stone wall.
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A