Date Received: 2022-02-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: They closed one of my accounts with no balance on it due to inactivity. I have two accounts with them. One has a balance and one didn't. The last payment was made in XXXX of 2021 so the activity was less than a year ago. What they did is going to be very destructive to my debt to credit availability. It will cause my credit score to plummet. This is a snowball effect. Once this happens it will trigger other card to perhaps close accounts that I am not using and also cause other cards to lower my limit to my debt. This will send my credit score further plummeting. My current credit score is a XXXX. I rely highly on my credit as I am in real estate and work with lenders all of the time. I make my payments on my debt all of the time. I had a {$7800.00} credit limit with no debt on it. My card was not activated bc I didn't have it. There was no curtesy call, nothing. They emailed me XXXX hour before they closed. Then they say there is nothing they can do but have me reapply for credit. So I did. They denied me. Now I have another inquiry on my credit. They are going to cripple me for what I do in business by causing me a multitude of problems.
Company Response:
State: AZ
Zip: 85032
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: I have good credit and I have low debt I have tried working with companies to get a loan so that I can start my life over after getting XXXX it so bad I became XXXX Carlless and jobless nobody will give me a personal loan or a credit card and I dont understand why please help thank you God bless
Company Response:
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Discover sent me a random email on XX/XX/2022 saying they had closed my account after performing a random credit check on me. I have never been late with Discover or any other credit card company for that matter. I have a 700+ credit score. They are hurting my credit and giving me no recourse. I didn't even have a balance with them. Now I have a closed account on my credit report which reduces my score and gives me a lower credit history average. In my eyes this is predatory. I have always payed Discover on time and now they just drop me. They invited me to apply in the first place and take advantage of their APR offer. Seems to me they dropped me because I haven't used their card recently and they want to allocate that credit elsewhere. Apparently they haven't made enough money off me.
Company Response:
State: TN
Zip: 384XX
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-24
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: In Discover Bank 's response to my Consumer Financial Protection Bureau ( CFPB ) complaints -- CFPB complaint ID XXXX and CFPB complaint ID XXXX -- the response provided by XXXX XXXX in Discover 's Executive Office of Customer Advocacy department very clearly and plainly makes public on the CFPB 's website, my name ; my address ; my phone number and information related to my prior Discover credit card accounts. This is a gross misuse of my personal information and personal data ; there is no reason that such private information and personal information should be posted into Discover 's response to the CFPB -- a response that the CFPB will make public to all consumers. Once more, Discover Bank has proven that they are consistently violating my privacy rights, this time by copying and pasting my personal, confidential and sensitive data into their online reply to my complaint, which is now accessible to any person of the public who can view this complaint. Discover is knowingly retaliating against me by making public my personal, private and confidential data through the CFPB complaint process. Discover Bank should have known that copying and pasting the sensitive and confidential parts of their reply to the complaint, into the online and public complaint portal, would knowingly cause that information to be accessed and misused by the general public. Discover has acted in an unfair, abusive and deceptive manner. Discover also does not address their unfair, abusive and deceptive marketing practices in their response ; they only apologize for MY misunderstanding. The issue is not mine. The issue is Discover 's unfair, abusive and deceptive marketing and credit practices, all of which are not addressed in XXXX XXXX. 's response, other than to grossly misuse my personal and confidential data.
Company Response:
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I decided to apply for my first credit card as I am approaching the end of my college career, and I wanted to start building credit. I used XXXX XXXX to see which credit card was best for me and their top recommendation was the Discover It - Cash Back card. I applied on XX/XX/22 and was sent the confirmation email from Discover ( 1st attachment ) that I was approved and getting a card. I then signed the XXXX form they asked me to and received a confirmation that i had successfully completed that as well ( 2nd attachment ). Six days later, I received the card in the mail and immediately activated it. I received the email that claimed the process was a success and that I could immediately use the card ( 3rd attachment ). However, when I tried to use it, I was being denied. I called Discover right away and asked what the problem was, and the representative said they hadnt finished verification. I never got an email about this apparent two week period where I have my card, it is activated, but I cant use it. The next day ( XX/XX/22 ) I called again and received the same answer but with attitude. I was told I did receive an email on XX/XX/22 detailing this when, in reality, it was only the email confirming I was approved and getting my card. So, I waited until early this morning ( XX/XX/22 ), I received an email saying theyve closed my account because they couldnt verify my identity ( 4th attachment ). I called to verify only to be told what was in the email and that I couldnt reopen I am confused and frustrated. I just want to build my credit with light purchases.
Company Response:
State: FL
Zip: 32712
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
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: XX/XX/2021 I had used my discover to visit a supposed doctor in which i backed out and he still kept my XXXX. I have kept all of the hateful texts and he never did anything. Even claimed he was reading the results to my tests however, I have other doctors that ordered them and they had already read them. He was very hateful and only refunded me for a test I was not going to get. He would not refund me the XXXX said it was his time. He did not do ANYTHING
Company Response:
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: The Cares Act Section 4021 of the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, signed into law on XX/XX/XXXX, with the state of emergency currently still in effect as of Today of this letter, amended the Fair Credit Reporting Act which states, If a furnisher [ in this case DISCOVER ] makes an accommodation [ my {$35.00} Late fee waiver given by DISCOVER, behalf of a customer representative named " XXXX '' ( on XX/XX/XXXX over the phone, at XXXX ) for missed payment of XX/XX/XXXX ] with respect to 1 or more payments on a credit obligation or account of a consumer [ Balance of {$710.00} owed XX/XX/XXXX, with an accommodation given ( late fee waiver of {$35.00} reducing the balance owed to {$670.00} ), has been paid by me, on XX/XX/XXXX. ] the furnisher shall ( I ) report the credit obligation or account as current ''. ( II ) If the credit obligation or account was delinquent [ in this case my missed payment XX/XX/XXXX ] before the accommodation [ {$35.00} late fee waive ], and, ( B ) the consumer brings the credit obligation or account current ( I paid the Balance of {$670.00} on the date XX/XX/XXXX ) during the period described in... which the Cares Act Law is in effect [ XX/XX/XXXX to TODAY ], I am rightfully protected by the CARES Act and DISCOVER is required to REMOVE the missed payment [ of XX/XX/XXXX ] from all credit bureaus by this Law. The CARES Act also states Sec. 4021If a furnisher in this case, [ DISCOVER ] makes an accommodation [ the {$35.00} Late fee waiver given by DISCOVER which was credited to my Discover account ] with respect to 1 or more payments on a credit obligation or account of a consumer [ balance of {$710.00} waived with accommodation of a late fee waiver of {$35.00} to make the balance owed {$670.00} on XX/XX/XXXX. ] the furnisher shall ( I ) report the credit obligation or account as current. [ and in this case I paid the balance of {$670.00} XX/XX/XXXX ], making the accountcurrentand by all requirements of the CARES Act law, the creditor [ DISCOVER ], is obligated to remove the missed payment that has been reported XX/XX/XXXX on the Discover account. Please note that this missed payment being, in fact, between the dates XX/XX/XXXX to today validates my claim and also was in a time frame in which the Cares Act Sec. 4021 was and still is in effective. This was also in times of hardships during the COVID-19 that is still ongoing. State of emergencies also are currently still in effect. By Law, the creditor, DISCOVER, has toremovethe missed payment on XX/XX/XXXX from my credit report immediately, as I am now knowledgable that they legally would have to, if not they would be breaching the CARES Act Law. I value my credit and my finances. I am contacting the CFPB as this letter specificallyis showingthe data points in which I am abiding by the CARES act law active XX/XX/XXXX, which was firstly provided to help and relieve consumers like myself. In regards of the missed payment reported by DISCOVER on my credit report on XX/XX/XXXX, I need an authority like the consumer financial protection bureau to help remove this missed payment from my credit reports as it is in my right to be PROTECTED by the CARES act Sec. 4021! There is attached proof of accommodation of the late fee of {$35.00} waiver ( XX/XX/XXXX ) being credited to my Discover account by DISCOVER as well as me paying the balance XX/XX/XXXX and being current on the Account STATEMENT. Proof of the call to the Discover number : XXXX ( XXXX ) XXXX on XX/XX/XXXX, where I got the accommodation is also attached. That call I had spoken with a customer representative named " XXXX '', furthermore I spoken to him about getting a late fee waiver on the missed payment of XX/XX/XXXX, and he had granted it to my account on behalf of Discover. I asked for a ID or badge number, he stated he did not have one. I had also spoken to a Discover Supervisor after XXXX, where I stated how I was in fact, protected by the CARES Act, where she had stated she could not do anything. I'm bringing this to the Consumer Financial Protection for the missed payment of OF XX/XX/XXXX stated on my DISCOVER account, saying I am now current on the account as of XX/XX/XXXX and requesting in conformity to The Cares Act Law, the missed payment of XX/XX/XXXX to be removed from my credit report on Discover or any Authority 's behalf. Please, as I am diligent to learning my rights given by the law and understand Discover is now obligated to follow it. Thank you In best regards.
Company Response:
State: CT
Zip: 062XX
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: DISCOVER has violated my consumer protected rights. I, fully insured individual having extended an interest in my personal security as federal eligible obligation and right to credit was mistreated and harassed by the assignee DISCOVER and their deceptive, abusive and unfair practices. I have sent dispute notices to DISCOVER regarding their alleged requirement to report to third parties with consumer consent and DISCOVER has responded by changing dates generic letters as responses. DISCOVER has disgraced me the consumer deliberately in violation of my consumer right of privacy, confidentiality in their refusal of exclusions of transactions or experiences via consumer reports furnished as defined under Fair Credit Reporting Act. I spoke with account manager XXXX XXXX XXXX XXXX who alleged that the consumer had no right of privacy where third parties were concerned and DISCOVER could take consumer information and furnish it to whoever them wished. I demanded to speak to her Supervisor XXXX account managers on XX/XX/22, who after much effort to clarify the liability of DISCOVER failure to comply with STATE and FEDERAL laws that DISCOVER in effect has accepted liability and incurred itself a deficit of civil liability. XXXX stated he would escalate my complaint to executives regarding the asserted violation my right of privacy and confidentiality, in their willful dishonor of my cease communication via medium of credit reporting agencies as unauthorized publication of likeness pursing protection of State consumer protection laws as otherwise misappropriation of trade mark of collusion via invasion of privacy. DISCOVER has also misrepresented the term Bureau as defined under FCRA in their letter to deceptively assume to role as credit reporting agency themselves. DISCOVER continues to evade respond genuinely regarding the injuries they have inflicted against me the consumer. DISCOVER has engaged in illegal acts that has in effect voided the agreement. SEE ATTACHED CEASE AND DESIST NOTICE
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XX/XX/2021 Discover Card closed my account after reducing my credit limit and me paying in full.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
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: XXXX all for {$150.00}. XXXX XXXX of XXXX FL, continued to bill our credit card for a hockey league that my grandson, XXXX XXXX, he has not played in that league since XXXX. of XXXX.I have contacted XXXX XXXX and they will not return my phone calls. They gave us some rigamoral about changing their billing system and that they do not have those charges in their system. I have contacted Discover card on 8 different occasions, they said they did not get my documentation which. I mailed on XX/XX/2022. They can not contact the vendor so they have decided to settle in the vendors favor. When XXXX at XXXX XXXX said I don't show those payments I said to her, well I have been charged for over a year, and someone at XXXX XXXX is getting that money, she said she would have to look into it, and will not take my calls nor will she get back to me. It is over {$2000.00} and I am getting no help from Discover or the vendor. I need help recovering my money, which they never provided a service for, they also know they didn't provide that service due to COVID Discover Card can see all the automatic payment that are being disputed in their system sinceXXXX, it was the XXXX of every month
Company Response:
State: FL
Zip: 34202
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A