Date Received: 2022-02-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have {$100.00} statement credit in my Discover credit card. About 3 weeks ago I requested a refund check of this {$100.00} statement credit. However, I never received the credit balance refund check from Discover Bank. A few days ago I called Discover card customer service and requested stopping payment on the check and tranferring the {$100.00} to my bank account on file using ACH Transfer. However, so far I still have NOT received the {$100.00} ACH transfer in my bank account yet. I am extremely disappointed with Discover Bank and request Discover to refund me the {$100.00} via ACH Transfer to my bank account on file immediately without any further delay.
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Discover Financial Services continues with their systemic institutional XXXX oppression XXXX inequality procedures in improperly ordering a unauthorized hard credit report inquiry on my credit reports WITHOUT my signed authorization. Per the F.C.R.A. either have them provide a signed authorized credit application document with my authorized signature, or IMMEDIATELY remove the erroneous inaccurate hard inquiry from my credit reports.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Discover credit card offers consumers a way to see if they are pre-approved for a Discover credit card via Discover 's website. Discover allows consumers to check their pre-approval status once every XXXX days. Each and every time I seek pre-approval, I am denied because of " the number of recent inquiries. '' Despite a fair credit rating with a XXXX XXXX of XXXX, according to the credit data pulled on me by Discover on XXXX XXXX, 2022, I am still being denied because of " the number of recent inquiries. '' It is my belief that Discover is intentionally discriminating against me, and potentially other consumers, for seeking credit -- credit related to housing, automobiles, XXXX XXXX and any other form of credit. This is not only discriminatory but an unfair and deceptive lending practice by Discover ; Discover is knowingly and deliberately telling consumers that we need good credit to apply for and be pre-approved for their products, but we must not apply for any credit because applying for credit creates an inquiry, which according to Discover, too many inquiries is grounds for denial of credit. Such a model of lending and denial of credit is unfair and deceptive. How are consumers -- how am I -- supposed to obtain credit if I do not actively apply for credit and subsequently maintain credit? Discover is expecting the impossible of consumers with their unfair demands that we do not apply for credit. The numbers of inquiries on a credit report in no way reflects my ability to repay my credit obligations. In fact, I can not have any credit obligations unless I actually apply for credit which in turn requires a hard inquiry on my credit report from credit card companies such as Discover. Discover is engaging in unfair and unrealistic lending practices, especially when no human has even reviewed my pre-approval application for a Discover credit card. Furthermore, my XXXX XXXX alone, even without human intervention, demonstrates that I am creditworthy enough for Discover. It is unfair and impossible for lenders like Discover to expect good credit and then penalize us for applying for credit in order to maintain the good credit they require. Even after the online notification that Discover can not pre-approve me for a credit card, they still " invite '' and " encourage '' me to apply for their credit cards, which is also misleading and deceptive ; if they won't pre-approve me because of " too many recent inquiries, '' then they should not misleadingly and deceptively encourage me to apply for their products.
Company Response:
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I Am a federally protected consumer. XXXX was notified of a dispute of account with Discover Bank Account number XXXX pursuant to 15 USC 1681a, ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. XXXX HAS FAILED TO DISCLOSE AND PROVE THEY HAVE HAD PERSONAL INTERVIEWS WITH MY NEIGHBORS OR FAMILY, under 15 USC 1681 ( a ) ( 4 ) i have a right to privacy i ask this account be removed from my consumer report... ACCORDING to 15 USC 1681b ( 2 ) STATES YOU HAVE TO HAVE WRITTEN CONSENT FROM I THE CONSUMER TO EVEN FURNISH SOMETHING ON MY REPORT THAT IS IDENTITY THEFT .... Any Negative marks need to be deleted ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THERE SHOULD BE NO INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ALL TRANSACTIONS BETWEEN I AND XXXX XXXX SHALL BE DELETED PURSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH RESULT FROM IDENTITY THEFT
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I was recently denied a credit extension by DISCOVER who discriminated against when I applied for a credit card.DISCOVER took adverse action against me.included are both my proof and evidence of the violations commited.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I attempted to close out my Discover credit card account in XX/XX/XXXX and as I was reviewing the balance, the representative mentioned interest on a cash advance. Knowing I rarely make cash advances, I questioned it and after speaking with a second person I was told it would be reviewed and I would get a call back. I never did so I called again XX/XX/XXXX and was told that there were 2 cash advances for {$40.00} each XXXX in XX/XX/XXXX and 1 in XX/XX/XXXX and that the interest on them is $ 23.8 % and that none of my minimum payment was applied towards this and that it is their practice to apply the minimum payment towards the lower interest charges and only additional payments are applied to the cash advance purchases and if no additional payment is made then the cash advance just collects interest. I questioned how they can allow a customer to collect 23.8 % interest on {$40.00} for 7 years with no reduction and 23.8 % interest on another {$40.00} for almost 5 years with no reduction. The lady just apologized and said she would note my concern but what they can offer is 3 months of credit on the interest. I feel Discover is very misleading and the practice makes it difficult for people to pay down their debt especially not knowing this is how the payments get applied.
Company Response:
State: CT
Zip: 06457
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: My name is XXXX XXXX and my email is XXXX. I didnt create a discover credit card that was fraud
Company Response:
State: FL
Zip: 32807
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: My name is XXXX XXXX and my email is XXXX. I didnt create a discover credit card that was fraud
Company Response:
State: FL
Zip: 32807
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2021 a unauthorized hard inquiry occurred without my permission from a discover financial
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I obtained a Balance Transfer from Discover Card. I paid 3 % for the balance transfer of {$12000.00}, which totaled {$12000.00}. The next month, Discover, debited my checking account for the entire {$12000.00}. When I called to explain that the payment was to be limited to {$750.00}, I was advised that the system had submitted an aoutomatic payment for the full amount. I explained that I had an outstanding check for {$15000.00}, but I was advised nothing could be done to return the money. Instead, I was advised that it would take at least a week to return the money. When I asked for my {$360.00} Balance Transfer fee to be returned, I was advised that this would not be possible.
Company Response:
State: CA
Zip: 95376
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A