Date Received: 2022-03-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Some time in 2015 my discover card got used for purchases at XXXX which i did not make have gone back and forth with discover.
Company Response:
State: NY
Zip: 131XX
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I sent in a letter stating facts and they closed my account without my permission. And someone setup automatic payments which I did not approve. THIS IS AN ADVERSE ACTION AGAINST A FEDERALLY PROTECTED CONSUMER. I was on the phone with Discover for over 3 hours and they just kept giving me the run around. Once I talked to the last representative he laughed at me and was using obscene, abusive and profane language to me then just hung up on me without letting speak. THIS HAS CAUSED MY XXXX XXXX TO GO UP.
Company Response:
State: OH
Zip: 44128
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I reached out to Discover and submitted remittance in the form of coupon payment on XX/XX/22. Discover accepted and received it on XX/XX/22 and did not respond or apply payment. Date : XX/XX/22 Re : Acceptances by Discover on account number ending in XXXX I, XXXX XXXX have sent off certified mailing and payment in forms remittance/coupon in efforts to resolve and settle account ending in XXXX. This notice is Pursuant state law evidence of dishonor UCC 3-505 and UCC 1-202 I state the following as facts. On the date of XX/XX/22, Discover at XXXX XXXX XXXX XXXX, NC, XXXX received a remittance/coupon payment via Certified Mail. The corresponding certified number is XXXX as verified by Certificate Of Service. After acceptance of mailing Discover refused to send confirmation that account ending in XXXX has been adjusted and settled, nor a notice of dishonor from a qualified third party excusing your refusal, in response to the correspondence regarding account ending in XXXX. Discover did not cure your dishonor. Discover gave no creditable or justifiable reason for refusal to confirm the adjustment and settlement of account ending in XXXX or send a notice of dishonor. Therefore, based on the foregoing facts I state that Discover dishonored me, XXXX XXXX, through non-response, and did thereby agree that Discover accepted the remittance/coupon payment for account number ending in XXXX exchanged exemption for the discharge of the associated charges, including a settled account showing a zero balance, sent a letter of credit to the Secretary Of Treasury as notice that exemption is to be used to settle account number ending in XXXX. Further Discover agreed that refusal to send the written confirmation of settlement of account ending in XXXX or a notice of dishonor from a qualified third party, in no way negates the fact that said account is to be settled, Discover and any of its representative have no capacity to pursue collection on said account, under UCC 3-603, UCC 3-111 , UCC 3-311, Pursuant 15 U.S. Code 1611 in the amount XXXX {$5000.00}, Pursuant 15 U.S. Code 1692k ( a ) ( 2 ) ( A ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1692j in the amount of {$1000.00}, Pursuant 15 U.S. Code 1666 ( b ) ( 2 ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1666 ( a ) in the XXXX of {$1000.00}, Pursuant 15 U.S. Code 1691 ( a ) ( 3 ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1635 and UCC 3-306 , Pursuant 15 U.S. Code 6823 ( a ), Pursuant 15 U.S. Code 1635, Pursuant 15 U.S. Code 6827 ( 4 ) ( b ), Pursuant 15 U.S. Code 1640 ( a ) in the amount of {$5000.00} per violation or higher depending on pattern of failures aka XXXX. charges in accordance with TILA Regulations, Pursuant 15 U.S. Code 1692k ( d ) I the affiant am invoking my jurisdiction and will administer judgment over this matter in accordance to 15 U.S. Code 169299c ( d ), I the Creditor in fact in accordance with 15 U.S. Code 1692a ( 4 ) and as the Creditor who has created the debt. I will declare default judgment in favor of I, XXXX XXXX. Company failure to rebut and bring forth proof of claim in this administrative audit show proof in exhibit 1, that I owe the alleged debt shown in prior notice, Pursuant 15 U.S. Code 1692k ( a ) ( 1 ) in the amount of damages awarded in the amount of judgment in class action suit and that any further pursuit of collection is agreement that Discover collectively and and without argument owe I, XXXX XXXX the amount of {$5000.00} plus the remedy for the previous correspondence {$2200.00} and all just due remedy pursuant the 15 U.S. Codes mentioned in this letter in accordance with FDCPA and TILA, Regulations, in the amount of {$10000.00} and any further judgments in accordance with 15 U.S. Code 1640 ( a ) and that I XXXX XXXX may take all necessary actions to secure the claim to the remedy which is owed. Notice To Agent notice knowledge U.C.C. 1-202 Respectfully All Rights Reserved Without Prejudice U.C.C 1-308
Company Response:
State: FL
Zip: 33570
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: this company DISCOVER BANK clams charged-off with a owed balance of {$5400.00} This is a formal notice that your claim is disputed. they have false, inaccurate and fraudulent information reporting on my credit report including but not limited to incomplete account number. I have been treated poorly, and financially hurt due to these issuesi recently got a copy of my credit report and i am shocked to see fraudulent information being reporting on my report wish has decreased my credit score wish has finaicailly hurt me! i am super upset because this has gotten me denied for a car that i need to get to and from work wish not i have been fired wish not im not even ablle to take care o me family. i need this issue fixed as fast as possible!
Company Response:
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-06
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Information is missing from my credit profile, that being a Discover card in my name with the following account # XXXX XXXX XXXX XXXX. XXXX XXXX added me as an authorized user on his Discover card back in XX/XX/2021. Discover did approve and add me on as an authorized user in XX/XX/2021 providing me with the following account # XXXX XXXX XXXX XXXX. I am requesting XXXX and XXXX to verify this information with Discover Card services. I am also asking XXXX and XXXX to verify Discovers authorized users policy which states : *Discover reports the account credit history to the three major credit bureaus as to you and the Authorized User. This can help build the Authorized User 's credit history if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact yours and the Authorized User 's ability to build credit. I am also requesting the missing information be added to my credit profile
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: XXXX XXXX added me as an authorized user on his Discover card back in XX/XX/2021. Discover did add me on as an authorized user in XX/XX/2021 providing me with the following account # XXXX XXXX XXXX XXXX. I am requesting XXXX to verify this information with Discover Card services. I am also asking XXXX to verify Discovers authorized users policy which states : *Discover reports the account credit history to the three major credit bureaus as to you and the Authorized User. This can help build the Authorized User 's credit history if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact yours and the Authorized User 's ability to build credit.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was talking with XXXX XXXX for many months, we were gon na get married, get a house together, the whole being together, she needed money to get home and with the promise to pay it back in two weeks I wired {$10000.00} to an account in name of XXXX XXXX, I learned I was romance scammed, because I'm now XXXX and she won't gove me my back, it's been 6 months. I have reported to all agencies that I know to report and nobody has gotten back to me.
Company Response:
State: AZ
Zip: 85345
Submitted Via: Web
Date Sent: 2022-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-05
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: YOUR IMMEDIATE ATTENTION, PLEASE CLARIFICATION/AMPLIFICATION : CFPB COMPLAINT # XXXX FILED BY TELEPHONE ON XX/XX/22 AGAINST DISCOVER BANK I APPLIED ONLINE FOR A DISCOVER IT SECURED CREDIT CARD. I DEPOSITED {$1000.00} IN DISCOVER BANK AS SECURITY. MY APPLICATION WAS APPROVED. I RECEIVED THE CARD. I ACTIVATED THE CARD BY TELEPHONE ; IT WAS IMMEDIATELY USABLE. DISCOVER BANK MAILED ME A FIRST-CLASS LETTER INFORMING ME THAT A TEMPORARY HOLD HAD BEEN PLACED ON MY NEW CARD, THAT I NEEDED TO FILL OUT THE ENCLOSED ID VERIFICATION FORM, HAVE IT NOTARIZED AND MAILED WITHIN 14 DAYS ; OTHERWISE, DISCOVER BANK WOULD ABRUPTLY CLOSE MY NEW ACCOUNT AND RETURN MY {$1000.00} DEPOSIT. ( THIS ADDITIONAL REQUIREMENT WAS NOT PREVIOUSLY DISCLOSED TO ME. ) I SPOKE BY TELEPHONE WITH A SUPERVISOR IN DISCOVER BANK 'S CUSTOMER PROTECTION SERVICES DEPARTMENT WHO TOLD ME THAT I DID NOT NEED TO SUBMIT A NOTARIZED ID VERIFICATION FORM. THAT I SHOULD DISREGARD THE FIRST-CLASS LETTER I HAD RECEIVED AND THAT THE TEMPORARY HOLD ON MY NEW CARD WAS REMOVED. I USED MY NEW CARD ONCE. I RECEIVED AN EMAIL FROM DISCOVER BANK STATING THAT A SECOND TEMPORARY HOLD HAD BEEN PLACED ON MY NEW CARD AND THAT I NEEDED TO SUBMIT A NOTARIZED ID VERIFICATION FORM QUICKLY OR ELSE. I TELEPHONED DISCOVER BANK 'S CUSTOMER PROTECTION SERVICES DEPARTMENT AGAIN TO RECTIFY THIS REPEAT PROBLEM, BUT NO SUPERVISOR WAS AVAILABLE TO AUTHORIZE IT. I FILED MY TELEPHONE COMPLAINT WITH THE CFPB ON XX/XX/22. I AM OUTRAGED BY DISCOVER BANK 'S SHAMEFUL AND UNNECESSARY HARASSMENT OF ME AS A NEW CUSTOMER! OBVIOUSLY, DISCOVER BANK IS BADLY CONFUSED AND DOES NOT KNOW WHAT IT IS DOING! I WANT THE CFPB TO COMPEL DISCOVER BANK TO IMMEDIATELY REMOVE ITS TEMPORARY HOLD ON MY NEW SECURED CREDIT CARD SO I CAN CONTINUE TO USE IT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXXXXXX XXXX XXXX, NY XXXX SINCERELY XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 10011
Submitted Via: Web
Date Sent: 2022-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2022, I, XXXX XXXX, a natural person, requested Discover Bank on the Consumer Financial Protection Bureau ( CFPB ) portal to provide me with a 1099c form, due to Discover Bank has my account listed as Charge-Off with the amount of {$1200.00} to all the major Credit Reporting Agencies XXXX XXXX, XXXX, and XXXX XXXX XXXX However, Discover Bank has responded on XX/XX/2022 and made it clear Discover Bank CAN NOT provide me, XXXX XXXX, a natural person, with such documentation ( 1099c ) as I requested. Without further ado, as I am investigating this matter, this is a violation pursuant to 26 U.S. Code 7203. Willful failure to file return, supply information, or pay tax. If they are listing the account as a write off and fail to provide the form, pursuant to 26 U.S. Code 6655 is another violation. Best regards.
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2022-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-05
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: I previously submitted the complaint to you on XX/XX/XXXX through your websiste. You emailed me that you contacted Discover Card, and they were processing the refund deposit within 60 days! The refund should have been sent 6 weeks ago. Why should they have any more time? When I phone them now ( several times ) to find out if it has been mailed out ( so I can watch for it ) I am put on hold and no one picks up. This is another delay tactic of Discover Card to continue using my funds to make interest on the money. I wonder how many hundreds or thousands have been intentionally mistreated this way. I bet some people just give up ; then Discover Card just keeps their money. Do you think it would do any good if I sue them in small claims court? Or if I try to find others who have been deceived like this and file a class-action lawsuit? I was also told that if they can not refund to a bank account unless they send checks twice that are not received by me. Another delay tactic. Can you please help? Thank you XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Here is the previous complaint I submitted to you XX/XX/XXXX : " Discover Card Company ... secured credit card deposit REFUND. I applied for a secured credit card by phone ( around the end of XX/XX/XXXX or beginning of XXXX, XXXX ) with several follow-up calls, and also sent info by email. The process was complicated and frustrating ; their agents each told me different answers to questions. I let them debit my checking account for {$300.00}. After I submitted the deposit, I was told to call to activate the card. I called. They said that they needed three months bank statements. I had moved from XXXX XXXX to XXXX, XXXX, recently closed my checking account in XXXX, opened a new one in XXXX, and did not have easy access to 3 months statement. Waiting for 3 months for new bank statements was longer than the amount of time they were allowing to submit the information. After so many phone calls, several requests from them for me to submit additional information, being put on many long holds, and being transferred from agent to agent, I decided during the activation process to cancel the card. It was " NEVER ACTIVATED '' and could not be used. The agent cancelled the card and said it would take 2 monthly payment cycles plus 10 days to send me a refund check on XX/XX/XXXX. Later, I spoke to an agent who told me that since the card was not activated, I could receive an expedited refund in 13 days. No refund came to my account or by mail. I called and was told no refund issue was in their records, and that they would re-submit the refund request ; it would take another 13 days. 13 days passed, and no refund. I called and was told the records showed a refund was authorized ; but no action had been taken, that my conversations with approximately 12 different agents did not show in their records, and it would take another 13 days! No refund came. With various 'stories ', they have continually, intentionally delayed the refund ; and I am concerned it will never be refunded! I suppose some people just give up. I believe they cheat people out of refunds and/or delay refunds to increase their " interest income ''. Can you help me to receive a prompt refund? Discover Card has my current address. ''
Company Response:
State: AZ
Zip: 86326
Submitted Via: Web
Date Sent: 2022-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A