Date Received: 2022-03-10
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have tried on several occasions to get a lower APR for unexpected medical purposes, XXXX XXXX. I was referred to XXXX which informed payment would be higher or the same. I sent several correspondence to CEO and Executive who refuse to help. I have always paid on time and now having some difficulties. They are charging XXXX monthly and taking XXXX in interest and only applying only XXXX to principal. My statement says if I only pay minimum per month theyre gain is over XXXX in interest and would take 40 years to pay which would make me XXXX XXXX XXXX I was also told that I went off payment plan which had 1 month remaining, however I did not tell them to take me off. I informed them to take it off only if another plan was open. I asked for an extension in order to deal with my medical issues. This is my discover card which refuses to help. I have several emails I have sent but dont know how to attach them if u would sent me email to XXXX I could forward all correspondence to you.
Company Response:
State: TN
Zip: 377XX
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: Person claims to be with discover credit card ( I do not have discover ) wants to lower my interest I listen to his speach ( XXXX? ) I in formed him I am on a do not call list and hung up. He called right back swearing at me calling me a XXXX XXXX American for letting him finish his speach before telling him I was on a do not call list his phone number is ( XXXX XXXX XXXX
Company Response:
State: FL
Zip: 34698
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a Discover credit card, ending in XXXX, that is presently under a reduced interest repayment plan. The plan has been in effect since XX/XX/2021, and the company has in the last 30 days reported me as being late for payments, while under the protection of the repayment plan that goes for 12 months. The company has refused to remove the late reporting with all trade lines and as a result has adversely affect my ability to maintain good credit, or obtain new lines of credit. This action is a clear violation of the Fair and accurate credit reporting laws, and is viewed as Unfair Deceptive Acts and Practices. I am Demanding the reporting of being late, while under a repayment agreement, be removed from all trade lines immediately.
Company Response:
State: MA
Zip: 01089
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: A debt collector sue me because i owe discover bank an amount of XXXX $ and they send me a citaion on XX/XX/2022 with amount of XXXX $ and i called then to discus the payment options, i told that i can make a monthly payment of XXXX $ monthly and they refused that amount even if i said that all what i can afford because i have another bills i need to pay too.
Company Response:
State: TX
Zip: 77386
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I opened a Discover Secured Credit Card on XX/XX/XXXX. I made my security deposit on XX/XX/XXXX. I have never been late on my payments and my credit report shows I was always in good standings. I went to go apply for a student discover card recently on XX/XX/XXXX and I was denied due to the status of my existing account. I received a letter stating that my account was closed due to non-verification. I called the number listed on the letter and after several transfers and multiple agents, I get to the verification department that stated that my account was closed on XX/XX/XXXX, because I never submitted a copy of my XXXX taxes to them for verification. I asked how I could go about submitting the documents now, the representative told me that they could not reinstate my account or accept any verification at this time. He also stated he could not tell me how long this STATUS would appear under my name preventing me from opening any account with discover. That at this time they can not assist me because of the status of my previous " IN GOOD STANDING '' account. I never received a letter in the mail or an email about this verification process. I asked to speak to a supervisor regarding this matter, they told me they were too busy to take my call and that someone would call me back in 3 days. I still have not heard from anyone and that was a week ago. I am in shock that discover would do this and that no one has been able to help me reinstate my account. My score dropped tremendously due to them closing my account and the remark on my report is beyond absurd, because I have proof that I was never delinquent on my account. The representatives in this department are rude and unhelpful. Discover is known for their customer service and being all about their clients, but with this experience I would not recommend them at all. I have other credit cards and I have never been asked to submit my taxes for verification? I would like for someone to help me reinstate my account.
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I received an email from Discover on XX/XX/2021, stating that " after a recent review '' they chose to close my account. I believe it was due to the fact that, weeks before, they tried to strong-arm me into giving them access to my tax records, via some third-party company. I of course would not give them access to that kind of personal information. I called and talked to several people at Discover to try and resolve the matter ( reopen my account ) to no avail. I'm also in the process of submitting complaints to the XXXX, FDIC, and the Delaware State Bank Commissioner.
Company Response:
State: TX
Zip: 77388
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: In XXXX of 2021, I made a purchase from XXXXXXXX XXXX XXXX XXXX using my DISCOVER Card. One item from that purchase was a Water Pump for my car. I received the Pump and had it installed. During a routine visit to my mechanic in XXXX, he mentioned that my Water Pump was leaking. I was shocked because this was the new item I had installed. It failed after only a few months. On top of that, installing a Water Pump is an EXPENSIVE undertaking. I contacted XXXX '' XXXX and explained the issue AND OFFERED TO BUY A NEW WATER PUMP, HAVE IT INSTALLED, AND RETURN THE DEFECTIVE ONE. The Agent REFUSED to do that. He insisted that I return the Defective Pump to be repaired and placed back into my vehicle. There would have been several problems with this. 1 ) I do not want a Damaged and Repaired item put into my car for fear it may fail again 2 ) The car can not run without a water pump. So if my mechanic removed the water pump for me to return to XXXXXXXX XXXX, I could not drive the car home and I could not leave it there. No : I was not going to pay {$120.00} to have my car towed home and then another {$120.00} to have my car towed back to the mechanic when this " repaired '' water pump was sent back. 3 ) How do I get around with non operational car? So, I called DISCOVER, put the purchase in dispute, purchased a water pump from a better Competitor to XXXXXXXX XXXX and had it installed. AFTER I purchased the water pump from another distributor AND HAD IT INSTALLED< an agent from XXXXXXXX XXXX contacted me and said she was goign to send me a water pump. I TOLD ER NOT TO. THE JOB WAS ALREADY DONE. She sent it anyway. Upon receiving it, I called and told her to send me a mailing label to take it back. I was not going to ship it back at my expense because shipping something this heavy would easily cost me {$30.00} or more WHEN I EXPRESSLY STATED TO NOT SHIP IT!! DISCOVER KEEPS DECDING IN XXXXXXXX XXXX FAVOR REGARDING MY DISPUTE BECAUSE XXXXXXXX XXXX SENT ME AWATER PUMP! This Water Pump is of NO USE to me. One has already been installed -- at considerable expense. I also told XXXX XXXX to send me a shipping label to send this back, because I was not going to spend {$30.00} of my money to ship it back when I told them not to send it. XXXX XXXX sold me a defective Water Pump and refused to take the defective one back for a refund. DISCOVER claims I have two Water Pumps from XXXX 'S. I fdo not. I have a defective one which is of no use, and I have the one they sent THAT IS SAID DO OT SEND. I want this amount credited to my account. This should not be judged in XXXXXXXX XXXX favor. They have inconvenienced me and caused me to do an expensive job TWICE because of their low-quality merchandise.
Company Response:
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
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 disputed a XXXX charge for {$340.00}. On XXXX, I received a letter from Discover saying they found in my favor. Then on XXXX they changed their mind after I submitted proof of return with a receipt. Discover claims I never contacted XXXX about any of this. I have emails dated XX/XX/2021 about receiving the wrong merchandise, I have a time date XXXX receipt for XXXX at XXXX, I have XXXX phone records. My question is do I need to sue Discover or XXXX or both to get my money back? I want to subpoena the store security video on XXXX.
Company Response:
State: TN
Zip: 382XX
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: An unknown hacker did a SIM swap and took over my SIM card with my cell phone number. This hacker used my phone number to call my Discover Bank pretending it was me and did 2 fradulent wire transfers of {$150000.00} to an external bank named XXXX XXXX XXXX XXXX and {$100000.00} to external bank XXXX XXXX XXXX XXXX XXXX. Both wire transfers took place on XX/XX/22 which was the time that my phone stopped working. I couldn't text or call anyone starting from the afternoon of XXXX to the evening of XX/XX/22. I changed my SIM card on the evening of XX/XX/22 where there was weird call forwarding set up. When my husband called me, an angry XXXX man with an XXXX accent picked up. We have the cell phone records proving these fraudulent phone calls were made using my phone number. I reported this grand larceny crime to the FBI and with the XXXX. Discover has submitted the 2 recalls to get these funds back. However, due to the regulations XXXX, Discover is telling me that if the recalls are unsuccessful, Discover will NOT reimburse me the funds. I never knew this fraudster/hacker. This fraudster hacked my SIM card and used my identity to do XXXX fraudulent wire transfers. And Discover Bank was negligent in not doing a thorough verification process to ensure my identity and negligently approved and processed XXXX outbound wire transfers of {$100000.00} and {$150000.00} to another person to XXXX external banks. If the wire recalls are not successful in retrieving all of the funds or only receiving the partial funds, Discover should reimburse me until I get the full {$250000.00} with fees back to my account. Federal Regulations e protect against unauthorized electronic funds transfers ( EFT ). And wire transfers are EFT. Therefore, I should recover the full amount of {$250000.00} even if these are domestic wire transfers. Discover refuses to cooperate with me in recovering the funds by refusing to give me the account numbers of the external that these funds went to. Discover has been uncooperative and are not making their best efforts to retrieving these funds.
Company Response:
State: NY
Zip: 11214
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This debt account was opened on XX/XX/XXXX. I have not used said credit card since even before that date. They reported that my last payment was in XXXX when they've acknowledged over the phone that it was earlier than that. I have repeatedly disputed it and they will not remove it from my credit even though it has been over XXXX years. This should be off of my credit at this point. Even though I have not contacted them in quite some time, they just updated my balance on XX/XX/XXXX and continue to do so so that my reporting period is extended.
Company Response:
State: FL
Zip: 33462
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A