Date Received: 2022-02-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Discover has on several occassions conducted dubious investigations on my disputes on various transactions. As a result my balances have been incorrect and when I requested that the Executive office conduct an invesigation at least 3 times they neglected or refused to oblige. This continued until finally they unjustly without even notifying me closed both of my accounts. They demanded payment but due to their refusing to service my accounts I withheld payment.. I have filed disputes with XXXX and also at one point was dealing with Lexington Law to handle the issue on my behalf. All Discover had to do was conduct processes fairly and justly. They did not. As a result I have the right to withhold payment.. Since then they have wrongfully charged off my account and have adversley affected my credit score thus affecting my purchasing a house and other rights and priviledges
Company Response:
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiry that I find to be problematic. The inquiry in question was apparently made by DISCOVER FINANCIAL SERVICES ( XX/XX/2021 ) ), and I have no recollection of doing any business with DISCOVER FINANCIAL SERVICES. I contacted DISCOVER FINANCIAL SERVICES and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
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: On XX/XX/XXXX, I charged {$190.00} on my Discover card for XXXX XXXX XXXX via online ad. On XX/XX/XXXX I changed my mind after reading numerous complaints against this company on XXXX site. I emailed company ( XXXX ) to cancel order. On XX/XX/XXXX, " XXXX ( Support ) emailed that my order was successfully cancelled and shipment stopped. Full refund would be returned to my card " within 5-10 business days. '' I waited and waited. No refund. Therefore, I filed a dispute on XX/XX/XXXX with Discover to get my money back. They issued a temporary credit. Some entity called " XXXX! '' sent Discover fraudulent and misleading papers with a shipping date and a XXXX Tracking #. However, I never received any packages from that company. When I checked with XXXX about the Tracking #, they said they never received the package. It was cancelled by XXXX back on XX/XX/XXXX! It was never shipped. Evidently, the Tracking # was generated when I ordered, but it was never shipped. On XX/XX/XXXX, Discover decided the charge was valid. Wrong! This complaint is echoed by several other consumers who protest as I am doing, that Discover does not protect their cardholders in disputes. One other XXXX like me ( XXXX ) comments Discover seems to be trained to side with the scammers! No longer an honest company. I have already sent Discover documents : 1. the email from XXXX cancelling order and authorizing refund ; 2. XXXX doc stating no package with that tracking # was in their possession. When I called XXXX XXXX and reiterated issue, they said Customer Service would contact me within 48 hours. Of course, that did not happen. Discover told me to ask the company exactly what card was involved, etc, as if I am the investigator! This company ( XXXX. ) is a SCAM. Liars. Discover has essentially stolen {$200.00} from me : protecting scammers.
Company Response:
State: CA
Zip: 92311
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
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 attempted to purchase a truck bed from a salvage yard in XXXX Illinois, called XXXX XXXXXXXX XXXX XXXX I used my Discover card to make the purchase. XXXX XXXX XXXX then turned around and charged my card twice for the same purchase. The original purchase was on XX/XX/XXXX, the double charge occurred on XX/XX/XXXX. It took a month to get the double charge straightened out. The truck bed never did show up at my home. It is now XX/XX/XXXX. I have contacted XXXX XXXX parts several times, with no help, they are the epitome of dishonesty and liars. Discover Card has ruled with the Merchant on this issue, saying that the charge was valid. I have talked with them at least 10 times on this matter. I never received the part in question, never signed for it, if it were dropped off, which it wasn't. The amount of the truck bed was {$1700.00}, which supposedly included shipping. XXXX XXXX XXXX has told Discover card that they did ship the truck bed to XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Mt. XXXX. The trouble is There is no such address, as I have checked on it, and the biggest mistake they have made is I live at XXXX XXXX XXXX in XXXX, Mt. XXXX which is 10 miles away from XXXX, Mt. XXXX XXXX parts has over 10 complaints against them with the XXXX. And their XXXX reviews are horrible. Still, Discover Card has chosen to side with them. After I have been a solid Customer with Discover card since XXXX. There were never any tracking numbers from XXXX XXXX XXXX or any Email telling me when to expect the truck bed. The truck bed is 5 feet wide by over 6 feet long. Pretty hard to misplace something of this size. The double charge on the Card mentioned above was also for {$1700.00} which took a month to get reimbursed for.
Company Response:
State: MT
Zip: 598XX
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On or about XX/XX/2021 XXXX was mailed a letter Notice of Dispute ; Demand for Validation and Proof of Claim. Stating Under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX is required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract. XXXX sent consumer a letter XX/XX/2021 requesting that the reporting company DISCOVER BANK and XXXX XXXX verify the accuracy of the information being disputed. XXXX XXXX requests and demands from DISCOVER BANK & XXXX SERVICES verifiable proof of the " original instrument of indebtedness '' which is an original contract signed with wet ink between XXXX XXXX and DISCOVER BANK. XXXX XXXX also demands DISCOVER BANK & XXXX SERVICES to produce the account and general ledger statement showing the FULL ACCOUNTING of the alleged debt obligation DISCOVER BANK & XXXX SERVICES is attempting to collect ; signed and sworn by the person responsible with fiduciary duty to maintain these records associated with the account and having first hand- knowledge as to their accuracy and authenticity, and able to testify under oath to that effect. Demanding the original instrument of indebtedness for visual inspection of XXXX XXXX original wet ink signature on the promissory note " application '' ( not a photo copy ). XXXX XXXX demands that DISCOVER BANK & XXXX SERVICES provide a statement admitting whether they are the holder in due course or whether DISCOVER BANK is the servicer. This is not an attempt to not pay or avoid payment, but a conditional acceptance upon proof of claim. XXXX XXXX would like to settle the matter upon conditions previously stated within this statement. XXXX provided a response letter XX/XX/2021 stating " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. '' In accordance with FCRA 611 ( a ) ( 7 ) This is NOT a request for a reinvestigation of the previous dispute. This is a request for a Method of Verification where the following items should be provided to ensure the validity and accuracy of the account ( s ) with DISCOVER BANK & XXXX SERVICES. Provide any and all documentation used to VERIFY account ( XXXX ). On XX/XX/2021 DISCOVER BANK & XXXX SERVICES sent a letter stating that they had completed the investigation and the items were not deleted, as requested. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), DISCOVER BANK & XXXX SERVICES is required to forward all of the relevant information XXXX XXXX provided in this CONDITIONAL ACCEPTANCE. Please provide consumer with all of the information XXXX used for their investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the items, as originally requested.
Company Response:
State: IN
Zip: 46038
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Updated information. In regards to Discovers responses and continued attempts to hinder my ability to validated my obligation to an alleged debt. I would first like to say thanks for the correspondence that was sent to me, unfortunately a billing statement is just that a statement and not proof of my obligation to an alleged debt. Secondly Discover has expressed in numerous responses that they have validated my obligation to the alleged debt. A debt collector those not have the authority or power to validate a consumers obligation to an alleged debt pursuant to 15 USC 1692g, only I the consumer or a judgement from a court can validate my obligation to an alleged debt pursuant to 15 USC 1692g ( b ). There are 5 points that congress clear states must be provided to a consumer by a debt collector so that the consumer can adequately validate their obligation to an alleged debt, pursuant to 15 USC 1692g. Discover has not fulfilled their obligation to provide the proper information required for me to validate my obligation to the alleged debt. This after numerous attempts by me both by US mail and through the CFPB clearly expressing what is required pursuant to the FDCPA and applicable Federal laws. Discover and their representative Chef Executive officer XX/XX/XXXX has shown an unwillingness to adhere to the federal statue set forth by congress in the Fair Debt Collection Act and has taken it upon themselves to put company rules and policy over federal laws. Discover has reported this unvalidated debt to multiple credit reporting agencies as a negative delinquent account further causing grievous harm to my public reputation. Discover says that they have no more evidence to send validating my obligation to the alleged debt beside a card member agreement and old billing statements, if this is the case Discover must cease and desist all collection attempts of the alleged debt if they are not able to provide the evidence needed to adequately validate my obligation to the alleged debt pursuant to 15 USC 1692g. I need the name and address of the original creditor to the debt is owed.
Company Response:
State: AZ
Zip: 85283
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
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 had an open complaint with Discover for a charge of {$7900.00}. Discover is stating that the merchant validated the charge but I wasn't disputing the charge amount, I was stating that services weren't received for that charge. I uploaded the information that I had from the merchant stating that a refund would be issued, however the Discover stated that they could only refund the charge if I had something from the merchant specifically stating that they would refund the charge on my discover card specifically. I had the same issue with XXXX XXXX because I had to split the total charge between both cards. XXXX XXXX has resolved the Issue with the documentation that they received from me but discover is stating that there isn't anything they can do about it. Today I receive an invoice from discover that is not very legible bate out what I can make out from the invoice is that it isn't generated from the same company that I had conducted business with and the date on the invoice doesn't match the date the transaction was made. It was an entire week later. I submitted the corrected invoice to discover stating that the merchant charged me more than what they submitted to discover but it was just split between two different cards. I also submitted a letter from the account manager which explained that the company would issue a full refund for not providing services. Discover also accidentally sent me another consumers information which let me to think about if my information had been sent to another consumer as well. I am concerned about the security of my information and Discover 's lack of their attention to detail. This company has a lot of sensitive data that they have been careless with. They also failed to do their due diligence when handling my case and refuse to open the case back up because they claim the information I have isn't specific enough. The executive office of Discover also has also stated that there is nothing that can be done for me. I have tried everything to bring this case to a resolution but I do not feel as if my dispute has been taken seriously. You will see in the attached documents that discover forwarded me another consumers dispute information. I am concerned that my information may have also been compromised in the process. All the information I uploaded was enough to bring the case to a resolution with XXXX XXXX, I don't see how discover couldn't do the same.
Company Response:
State: SC
Zip: 29730
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Application # XXXX My name is XXXX XXXX XXXX, I am the natural living women, I recently applied for a Credit card using Discovers Credit application and was shockingly denied... I am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ) .. when you ran my credit by using my credit card ( XXXX XXXX ), as we entered a consumer credit transaction that I initiated pursuant with FECO ( Fair Equal Credit Opportunity ), specifically, 15 USC 1602 ( i ) ( VIOLATION 1 ). At this time my social security card was used as a credit card to fill out an application. THE XXXX ( which your company participates in ) states I as a natural person that was created by GOD can not be denied credit on application, I have clearly been discriminated against character at the time of my denial, which is in accordance with 12 CFR 100.2 ( c ) ( i ). ( VIOLATION2. ) I noticed I was denied credit however proof we entered a consumer Credit transaction is on my credit report listed as an " inquiry '' or request for truth or information congress clearly states under 12 CFR 100.2 ( m ) ( VIOLATION 3 ), that a CREDIT TRANSACTION, means every aspect of an applicant 's dealings with a creditor regarding an application for credit including INFORMATION REQUEST, which is the exact " inquiry '' I received on my consumer credit report, as well as the report that your company sent, confirming they ran my consumer credit report to search for information pertaining to my request of an credit card with Discover. The credit card you used to extend credit to yourself, and notI as a natural person, was my social security card as congress states under 12 CFR 100.2 ( k ) ( VIOLATION4 ) that credit card means ANY card or plate, such as my social security CARD, congress clearly defined what a credit card is pursuant to 12 CFR 100.2 ( k ) ( VIOLATION5 ). I was not approved for a credit card as requested, as the natural person. Lastly, Congress states Nocredit card shall be issued except in response to a request, or application thereof " pursuant to 15 USC 1641. At this time, it is unlawful, impartial, and unethical that your company has denied me as a natural person for a credit card when it is CLEARLY AGAINST THEFEDERAL LAW. It is unfortunate I had to go through this unnecessary stress of being denied of credit based on a credit application!!! I am now demanding reconsideration and exercising my rights as a federally protected consumer, to be approved for a credit card with your company, based on the information of the Federal Equal Credit Opportunity Act which is stated above, of a credit card of {$25000.00}.
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have a Discover Card. This morning I tried to contact Discover regarding a Dispute I have ongoing. When I called I was told I will need to purchase a new phone. I was then told someone would call me back ( rather then wait on line ) and was told that would be 16-24 minutes from my call. It is now more then 30 minutes and I still have not received a call back and can not reach Discover. Help!!
Company Response:
State: PA
Zip: 171XX
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The DISCOVERBANK XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. DISCOVERBANK XXXX
Company Response:
State: CA
Zip: 90240
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A