Date Received: 2023-11-25
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I received a letter from Discover letting me know they have been over charging my account with interest since XXXX. They sent me a letter on XX/XX/XXXX stating that they were sending me compensation and would reimburse me for 12 % of the over charged fees. I have asked for documentation explaining how much was over charged and details of this from the past 7 years so I could presume they reimburse me the full 100 % and not just 12 % of what I overpaid in interest the past 7 years. I have requested these details more than one occasion through phone calls and also through their messenger on their website. I spoke with someone on XX/XX/XXXX to have a supervisor call me but they said they would not get back to me until Wednesday, XX/XX/XXXX because it was a holiday. I received no attempted phone call from a supervisor and then sent Discover a message saying no phone call was made, they then responded to call back to have the issue resolved. I messaged again back a forth letting them know the issue still had not been resolved and no phone call had still not been made. I have records from my phone company showing they did not make a phone call and I also have a recording of the conversation with their knowledge of me recording the conversation. I also am in a bankruptcy and they claim they can not send me documents due to this but they have sent me 7 documents just this year.
Company Response:
State: IL
Zip: 60517
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX RE : Account Number XXXX XX/XX/XXXX To Whomsoever it May Concern : Thank you for taking time to read the contents of this letter. I am writing this letter because I took notice that my most recent credit report comprises a paid closed account reported on XX/XX/XXXX for my XXXX XXXX Discover Bank account. I have been an customer of Discover since XXXX of XXXX, and I am contacting you to see if you be willing to make an " Good will '' adjustment to my XXXX, XXXX, and XXXX report. I had only one late payment in XX/XX/XXXX due to losing my job during XXXX XXXX. I have always been an excepional customer, and this negative inquiry is making it hard for me to get financing for a new home. I would like for you to consider deleting the negative inquiry from my credit report. I have been a happy customer in the past and hope I can continue that relationship with Discover Bank. Kind Regards, : )
Company Response:
State: MI
Zip: 48045
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
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 inquired about the validation of the transaction and was informed that XXXX provided supporting documentation indicating a cancellation of the subscription on XX/XX/XXXX. However, this contradicts the evidence I presented, which clearly shows XXXX confirming the cancellation of my subscription on XXXX. Adding context, on XX/XX/XXXX, I received an email about an update to my water filter subscription, despite it being canceled by XXXX. Subsequently, on XX/XX/XXXX, a charge appeared ( which I disputed ), followed by my contact with XXXX on XX/XX/XXXX, where they claimed the XX/XX/XXXX charge was for the last filter before my supposed cancellation on XXXX. This seems improbable, given that the last water filter I received was in XXXX. Despite my efforts, they refused a refund, prompting me to initiate a dispute with Discover. Notably, I possess video documentation of my conversation with XXXX on XX/XX/XXXX, submitted as screenshots to CFPB, as they declined to provide me with a copy via email.
Company Response:
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In early XXXX, I received a summons from the company XXXX XXXX XXXX ( on behalf of Discover Bank ) for an amount owed of over {$12000.00} for a credit card opened in XXXX of XXXX. I called Discover to dispute the matter and was told that since they have a third party handling my account, I would have to go through them ( XXXX & XXXX ). I have since filed a dispute of the charges and filed a victim fraud claim with XXXX & XXXX, and as of this time awaiting to hear their investigation result. I have also filed a dispute of credit card report to XXXX and on XX/XX/XXXX received a letter stating a complete investigation which verified the accuracy of the XXXX XXXX, upon which I called XXXX and was advised to file further disputes through FTC. I contend that I am a victim of fraud and I did not open this credit card account with Discover. I was unaware of any activity associated with the Discover card in question and I was not sent any credit statements or late payment warnings.
Company Response:
State: NY
Zip: 11725
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have been in a bankruptcy since XX/XX/XXXX. I have spoken with the " special department '' that deals with bankruptcy multiple occasions asking if I can just make a payment online. I have been told on multiple phones call with XXXX ID # XXXX that he has stated Discover can not take payments online because there are laws in place that are there to protect me in bankruptcy. The only payment they can accept is through a check mailed into a po box XXXX I informed him that this was not convenient as I just wanted to make my payment now and not send a check and wait for it to be received and then cashed. I was told by XXXX, the only way I would be able to make online payments again was if I took my student loans off of my bankruptcy. I had spoken with XXXX a few times before and then started to record my conversations with him. On XX/XX/XXXX a phone call that I recorded he stated again Discover can not take payments online because there are laws in place that are there to protect me in bankruptcy. I informed him that he was misinforming consumers that there is no law in place to protect me from sending payments to Discover online. I further let him know that my other student loan companies will gladly take my money in any shape or form so I can continue to make payments conveniently. I let him know that it was ethically wrong to only make someone who is in a bankruptcy pay only by mail as it's a sure way to set them up for failure. If I have money in my account right now, why can't I just pay you on the phone. I have called Discover on multiple occasions regarding this issue. I had called so many time regarding this issue that XXXX knew exactly who I was when speaking with him on XX/XX/XXXX. I once asked if they would wait to cash the check until the date posted at the top of the check and XXXX informed me no, they will cash the check as soon as it is received. I brought up this issue again XX/XX/XXXX when speaking with XXXX ID # XXXX and she informed me that many people have complained about this issue and I am not the only person in bankruptcy that has brought up the issue. I also asked if I can send a check today posted for the first of the month, and if they will wait until the first of the month to cash. XXXX informed me that Discover can not cash my check util the date posted at the top of the check. My checks have not been getting cashed by Discover and I have no idea as to why. I have sent 5 checks in the mail that have not been cashed and I do not know why they were not cashed, they were also not sent back to me in the mail. Hence one of my issues with sending a check. The check can not be tracked in the mail as the only place to send the payment is a po box . I tried sending certified mail, but they can not be sent certified mail because it is a po box XXXX They have claimed a supervisor will call me on Monday, but I am not going to hold my breath. Discover is setting up consumers in bankruptcy to do tons of extra work to mail a check, make sure the check is cashed, if the check isn't cashed, I have to send another check, and the only way I know the payment has been received is by constantly logging into my online account or calling them. Their employees are also misinforming consumers with lies about laws and cashing payments. Furthermore, I can not access any of my statements online or other information pertaining to my account and they claim because of the bankruptcy. I should be able to access every single one of my files pertaining to my account.
Company Response:
State: IL
Zip: 60517
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This account was Charged off XX/XX/XXXX which per the FCRA, the debt is no longer owed to the creditor and they will receive a tax-write off. The debt has been sold which is against the FCRA. I requested a 1099c to submit to the three credit reporting bureaus so that the account can be removed from my report, to which I have not received a response or the 1099c. Per the IRS 1099c guidelines, specifically event code 7 explicitly states that this debt is to be canceled which would have the debt removed from my credit report. In addition, the creditor, although this debt has been charged-off, they continue to report the account as " charged off '' each month for the last 6-months. This is in violation of the FCRA. Continuing to report the account as " charged off '' each month is 1 ) illegally re-aging the account, 2 ) inaccurately reporting to the three credit bureaus, 3 ) creating varying activity dates across the three credit bureaus. All three issues are in violation of my consumer rights to accurate reporting per the FCRA.
Company Response:
State: MD
Zip: 20902
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Recent dispute with Discover to removed charges that do not belong to account holder. Please remove all fraudlent charges Discover Card account ending in XXXX
Company Response:
State: CO
Zip: 800XX
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Dear Discover Bank, Savings Account Ending in XXXX : I am reaching out because I am at a loss of {$20000.00}. In XXXX XXXX XXXX I had Discover bank initiate a wire recall in the amount of {$22000.00}. It is to my understanding that XXXX bank handles the wire processing and wire recalls. On XX/XX/2023, XXXX XXXX contacted me and stated that the recall was successful and on their end, {$20000.00} was debited from their account with the description " XXXX XXXX XXXX XXXX ''. XXXXXXXX XXXX told me that I need to reach out to XXXXXXXX XXXX and Discover bank directly to retrieve my funds. Since XX/XX/2023, Discover and XXXXXXXX XXXX have both not reached out to me to release my funds. If XXXXXXXX XXXX would've never told me that my funds were returned to Discover, I would never know that this money is being held from me, unlawfully. On XX/XX/2023, I reached out to XXXXXXXX XXXX and expressed to them that XXXX bank stated that XXXX XXXX recalled {$20000.00} and XXXXXXXX XXXX emailed me back stating that they will not speak to me as I am not a client and that I need to have Discover send XXXXXXXX XXXX an authenticated message so they can release my funds. I then called Discover bank and told them this information. After being transferred multiple times over the course of XXXX days without getting any answer, Discover bank refuses to send XXXXXXXX XXXX an authenticated message regarding this wire recall so that XXXXXXXX XXXX can return the funds to Discover bank, which at that point, Discover bank would then return the funds to me. Please be advised that it is XX/XX/2023 and I still do not have this money. The money was supposed to be sent back to Discover bank from XXXXXXXX XXXX or a check was supposed to be sent to me and neither has happened. I am taking this matter extremely serious, I have partnered up with an attorney, and I am very close to bringing this matter to XXXX XXXX and filing a lawsuit. I need someone in upper management at Discover bank to reach back out to me extremely soon before I start court proceedings. XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: TO WHOM IT MAY CONCERN : MY NAME IS XXXX XXXX. I CHECKED MY CREDIT REPORT XX/XX/XXXX AND NOTICED THESE HARD INQUIRIES ON MY ACCOUNT. THESE ARE NOT PERMITTED BY ME. I HAVE NO KNOWLEDGE OF THESE INQUIRIES. I REQUEST TO HAVE THESE INQUIRIES REMOVED IMMEDIATELY UNDER 15 U.S. Code 1681c2 - Block of information resulting from identity theft DISCOVER XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX THANK YOU
Company Response:
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Apparently, there were charges made on the Discover card in the amount of {$900.00} and above to XXXX we have disputed these charges with the Discover card and now these same charges have been placed back onto the Discover account. Apparently, the card owner was not contacted about these charges being placed back on the Discover card. There is so much fraud going on with XXXX and people getting people information and using it and your company making the customer pay.
Company Response:
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A