Date Received: 2022-03-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The Bureaus did not properly investigate my account with DISCOVERBANK XXXX because incorrect information is reported on this account. A lot of errors in terms of the remarks. The payment history is incomplete, too. No 120 days record was found prior to getting the account to be a charge-off. Moreover, the date of the last activity is not reflection on the payment history. The entire remarks for this account do not concur with each of the information.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: RoboCall from XXXX " XXXX '' at Discover offering low Interest Rate Transfer I am on the " Do Not Call '' List and have repeatedly asked for my number to be removed from their calling list.
Company Response:
State: MN
Zip: 55420
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: The DISCOVER FIN SVCS LLC account with the account number XXXX that is being furnished on my Credit Report is inaccurate and old. The account included in the bankruptcy are removed after seven years. Please investigate the date of this account being reported as a bankruptcy. I've already sent letters to both the Credit Bureaus and the furnisher without any successful resolution. Please provide me a copy of the legal documents and any proof to verify the account 's status. Otherwise, removal of the account should be highly recommended.
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
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 initially contacted the CFPB on XX/XX/XXXX regarding an ongoing dispute with Discover. I have provided substantiative documentation from the company stating that I would be refunded for the charge and the third party company is refusing to refund the charge. My initial complaint to CFBP re : XXXX stated : " I placed a reservation for the XXXX in XXXX XXXX XXXX AL. The room I reserved was a studio with an attached room with 2 bunk beds and the main room had a king size bed. The room was advertised as having premium ammenities including premium bedding, and black out curtains. The curtains in the room were broken and the bedding was shredded/torn. The toilet was broken and the shower was not working upon arriving. I called several times to the front desk and was not offered a replacement room. Maintenance was sent up to the room to repair the toilet and curtains but nothing else. We discovered the air was not working in the second room in the middle of the night and ended up leaving because it was so hot in the room. We explained to guest checkout what had happened and why we were leaving. I was advised by a portly XXXX haired woman working XX/XX/XXXX around XXXX that we would be receiving a refund in full and that she was refunding the other charges made while staying there. The other charges were refunded however the charge for the hotel was not refunded. When I contacted XXXX to explain what was going on they said they would not contact the hotel. I attempted to escalate with XXXX to no avail. I then proceeded to dispute the charge with my bank Discover. They provided proof that the charge was valid in the form of an online screenshot showing the booking. However the charge has not been refunded. The service I paid for was not rendered. The room was not in a habitable condition. '' The case was closed by CFPB as the company responded they were still investigating the case. The case was closed XX/XX/XXXX and was again charged back to my account I submitted documentation I received from the hotel stating they authorized a full refund to the third party vendor XXXX for the charges at XXXX XXXX. I have not received a refund, I have been recharged by XXXX again. I have had no additional correspondence with Discover only a surprise charge against my account. Discover is engaging in unethical billing practices and not investigating the claim or even corresponding with me. I am continuing to ask for this unathorized charge to be removed. I did not authorize this charge. I am uploading a copy of the letter from the XXXX that states the charge should have been refunded. I do not know what more I can provide to prove this was not authorized. At this point this is a fraudulent charge by XXXX.
Company Response:
State: TN
Zip: 37174
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: They are XXXX creditors involved. # 1 is XXXX XXXX XXXXXXXX which I have my mortgage with. I had a credit card with about over XXXX dollars.Four years ago I was and still a single, was struggling to pay and when they started raises the interest, which I stopped charging I called and got NO help he told me they were not going to lower the interest nor cut back on some of the amount. I didn't hear from them for sometime. they had wrote it off. So about maybe XXXX years ago I get this letter telling me my debt was put against my montage this attorney from Louisiana. They kept sending me letters and calling me all the time. I called back no one answered so I left a message You put it on my mortgage so leave me along,,, Oh by the way I didn't get the letter to go to Court in XXXX MS until after the fact No one delivery it to me to pier in court. An Attorney is trying to contact me but it is not the same one I think. Tried to settle with them with XXXX but they didn't respond. I will get the name of the Attorney and all info to contact them. # 2 Discover. I have had Discover for many years, after 3 years they started contacting me but in Mississippi I thought was the dead line. Well anyway, I owed them round XXXX they kept jacking up the limit. well I lost my job around 2019? and I couldn't. so I told the supervisor could you lower the amount delete interest and lower it and put my payments at XXXX then when I get on my feet I will pay more. She said XXXX isn't much and she laughed so I know I couldn't pay it. I think it was about last year I told them I said I want to work this out but I couldn't pay but XXXX. So they agreed and I paid it, but they also put the XXXX as a loss then now I paid XXXX they sent me a tax thing and I owe XXXX more for interest, After the already claimed the XXXX as a loss with the interest. this is not far. Like everybody XXXX hit and no one had any money. My son helped me keep a float. I DID GET XXXX AT THE TIME BUT I AM FINE NOW BUT I AM XXXX AND I HAVE VERY LITTLE FUNDS. I tried to talk with a Lawyer, but I am not important enough. I tried to speak with someone a Legal Services but that man ( do not remember who he was but he told me there was no one to help. I know I made some of the debts but the interest and maybe some of it, it is not mind. No one at discover or XXXX XXXX XXXX said they wrote it off and they have nothing to do with it. My question is. If both of the creditors wort it off why are they still coming after me. They got credit It sounds like DOUBLE JEOPARDY.
Company Response:
State: MS
Zip: 39157
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-27
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, hope youre doing well. I want to file a complaint against my discover credit card. I have been trying to get help with a dispute for a few months now and even tho i have uploaded proof that I returned the merchandise I bought, they still are saying that they arent siding with me. On XX/XX/2021 I bought 18 packs of a certain XXXX trading card set. The total came out to {$1100.00}. However when I received the cards they werent the same ones that were pictured on the original listing. I contacted XXXX and at the time they werent excepting returns on the XXXX cards, so I contacted discover and opened a dispute. Discover gave me a temporary credit until the matter was resolved. A few weeks later after I filed the dispute, XXXX changed their return policy on the XXXX cards and let me return all 18 boxes for a full refund. I have the chat log that states so, including the prepaid shipping label they sent me as well as a statement that they received the items I sent them and that they processed the refund on Monday XXXX XXXX. However i still have yet to get the refund. XXXX stated since i opened a chargeback id have to work with my bank to get it fixed. It was around XXXX where discover stated the transaction was valid and reversed the charge. I then proceeded to show them the proof that i returned the merchandise, and that XXXX themselves stated they had received the items and that I was processed a refund. However just this evening I got another email saying the charge is valid and my proof is insuffecient. I dont understand how my proof of return including label and statement from an XXXX representative is insufficient. I asked for a review of the case on XX/XX/XXXX and it took them this long to get back to me even though they stated theyd take XXXX days for a supervisor to reach out to me. I can not reach a supervisor about my case and this is my last hope to get my money back because now i dont have the items anymore and Im also stuck with the charge.
Company Response:
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2022-02-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: " XXXX '' card has been reporting to my credit report for XXXX and XXXX since 2019. First off, its fraudulent. Next issue is ive since many times reported this company directly, reported them to fraud, multiple disputes fraud alerts. Filed a police report with them through XXXX. They finally closed the account and left it in negative/derogatory status.Leaving me with many missed payments or late. Also still sending payments and reporting to my bureaus even after being closed because of being opened fraudulently and also closed as chargeoff instead of never being open.
Company Response:
State: NY
Zip: 11211
Submitted Via: Web
Date Sent: 2022-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have tried numerous times with Discover to take out my payment within a decent time. They take up to XXXX days and have taken longer to take out my payment. I have had stellar payment history, even though the pandemic. As soon as I moved to XXXXXXXX XXXX I have been having problems with them taking my payment out. They keep saying it is because my bank has not confirmed that they can take the payment from my account yet, when I call my bank they tell me they haven't received anything from Discover. That has been the back and forth. I live paycheck to paycheck right now due to XXXX and have not been making the money that I used to be making. Taking XXXX days to take out a payment does not work for me, plus they have never done this in the XXXX years I have been with them. This has resulted my account going negative and shutting the card off. Another factor is I could only pay XXXX dollars on my card this month. They received the payment and it was taken from my bank account but ( originally XXXX, - {$140.00} ) and now that the payment processed and went though I am now at XXXX, - {$170.00}. That makes XXXX since to me. If I pay something, usually its supposed to be subtracted from the total not added. They will not help me nor, send the collections payment to someone else so I can pay this off. It has affected my credit score drastically since dealing with this and can do nothing for myself. I am drowning as is with XXXX and having to move cities just to stay afloat.
Company Response:
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2022-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-26
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I was not able to pay my debt to Discover Bank Credit Card. I tried to work with them to get the interest rate reduced and a payment plan that I could afford but they were not reasonable. On XX/XX/2021 I recieved form 1099C cancelling and forgiving my debt to Discover Bank. Since this form is reported to the IRS as income, I do not owe the debt of. {$6300.00} to Discover Bank anymore and they need to report to all three credit reporting agencies that I no longer owe this debt and the status should change from charge off to cancelled with XXXX owed. This debt forgiveness substantially reduces my overall debts and aids me in repairing my credit. NOTE : I did NOT declare bankrupcy.
Company Response:
State: CA
Zip: 960XX
Submitted Via: Web
Date Sent: 2022-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-26
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have had an account with discover Bank for many years. I also have a credit card with them that I use regularly and pay off every month. My XXXX score is over XXXX. I received a phone call voice message from discover Bank saying to call the fraud unit at XXXX. They informed me that they closed my bank account citing a business decision as the reason. They further inform me that they're going to send me a check for the money in the Bank account. I am a XXXX XXXX, XXXX XXXX, veteran and have my account closed for no reason that I know of.
Company Response:
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2022-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A