Date Received: 2022-01-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: To whom it maXXXX concern, XX/XX/XXXX My name is ****. My loan number is ***. In XX/XX/XXXX, I requested for forbearance for COVID-19 hardship. The forbearance period was from XX/XX/XXXX until XX/XX/XXXX. In XXXX, I requested for an extension. This extension was approved until XX/XX/XXXX. During the forbearance period I continued to receive late statements and delinquency notices from Discover Home Loans. Therefore, I constantly called every month to verify that I was still in forbearance. At the end of XXXX, I received a letter from Discover Home loans discussing next steps when exiting the forbearance period. This document arrived with a lengthy application. On XX/XX/XXXX, I called Discover asking if I needed to complete this document. The customer service representative transferred me to loss mitigation. Loss mitigation stated that they sent the application by accident. However, I had XXXX options to handle the payments that were not made during the forbearance period. The options were, 1 ) I could pay the balance in full 2 ) Arrange a payment plan and 3 ) defer the payments to the end of the loan. At that time, I requested for my complete balance to be deferred. After this, I continued receiving mortgage statements that had a balance that should have been deferred. In XXXX, my balance changed from {$2800.00} to {$1100.00}. My XXXX statement also represented that I had a deferred balance of {$2300.00}. I kept calling regarding the balance being incorrect on my statement and that the complete forbearance was not deferred correctly. At this time, I was reassured that they would process the forbearance extension. On XX/XX/XXXX, I called to check if I needed to make a payment in XXXX, or if the payments resumed in XXXX. Customer service stated I needed to make a payment. Therefore, I made the payment as requested and continued making my payments. I consistently called requesting for the balance to be fixed. I was told by customer representatives that it was escalated and to give it 30 days every call on multiple calls. In the mean time, I was preparing to sale my home to purchase a new home. I seen the regulations for FHA were that you had to make XXXX on time payments after the forbearance period in order to qualify for a home loan. On XX/XX/XXXX I called to request another escalation on the deferral. I was reassured by XXXX that the deferral would be processed in XXXX business days. However, that never occurred. At this time, I had applied for my home loan, was pre-approved, had two contracts on my home to sale, and found a new home to purchase. I began to call on a regular basis. Each time, I was told it was being escalated, or sent to a supervisor for the deferral to be processed and the documents to be corrected. By the end of XXXX, nothing had been resolved and I still had a balance on my mortgage statements. Therefore, I was requested to pay my balance in full to have my current loan in good standing. I made my XXXX payment on XX/XX/XXXX, the remaining {$1100.00} balance ( that was originally supposed to be deferred ) on XX/XX/XXXX, and XXXX payment. On XXXX XXXX, I was informed by loss mitigation that they processed the deferral, but I had already paid the balance so there was nothing to defer and that my loan would be reinstated. I have requested for all notes, call logs, and documentation regarding my account from the research department. The majority of these documents I had never seen and some of the items I have requested have not been provided. A forbearance opt-out document ( XXXX ) was in the documents that were provided. This document is dated XX/XX/XXXX and stated that I was out of the forbearance plan and to continue making my monthly payments. The one issue with this document is my forbearance ended in XX/XX/XXXX, not XX/XX/XXXX. Due to the failure of correctly processing the forbearance deferment when originally requested ( or the multiple times after ), contradicting documents, and mortgage statements stating DELINQUENCY or LATE PAYMENTS, I am in a very difficult situation. I am unable to obtain a new home loan unless the documents are corrected, or a letter is drafted on the behalf of XXXX and/or Discover Home Loans to address the issues as followed : There were no late payments as the account was in forbearance The forbearance period ended in XX/XX/XXXX The deferral was not processed correctly, or the months that did not process were not done in a timely manner therefore the loan was reinstated once paid in full The payments that did not process for deferral did not have a due date and therefore are not late An overall explanation of the situation from XXXX and/or Discover Home Loans regarding the situation The frustration is, I completed everything as needed, and continued my payments when the Forbearance ended. However, the corporations who I relied on to properly handle the Forbearance and Deferment, did not process their responsibilities correctly. Therefore, this is preventing me from obtaining a home loan. Fortunately, I had the sale of my home fall through, or otherwise I would be homeless. However, I currently have three offers on my home that are waiting to be accepted. Also, I am under contract on a home that was supposed to close on XX/XX/XXXX. I have placed earnest money, option fees, appraisal fees, and inspection fees on this home that I will lose if this is not corrected. Not to mention, my XXXX XXXX XXXX will have to be withdrawn from the school district where our new house is supposed to be located ( he main reason for moving in the first place ). I have been sent in so many circles by customer service and supervisors. Therefore, I am coming straight for answers. I ask for this to be corrected, or for the documentation to be provided. Please contact me if you have any questions, XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 793XX
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
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 am making this complaint on behalf of myself, and not through a third party. I have been trying to resolve this issue with XXXX since XX/XX/XXXX. I sent them a letter for them to validate the debt they claim I owe on XX/XX/XXXX. They did not respond with what I requested and what is required by law. I've submitted several CFPB complaints along the way as this company continues to violate me. They closed my account, used all of my reward cash, have reported late payments and charged late payment fees on charges I have been disputing. I am a victim of identity theft and reported that to FTC in XX/XX/XXXX. I have since then sent an Affidavit of Truth to Discover requesting response in affidavit form attempting to rebut my claims made. They have not responded and no further action to resolve this issue has been taken. I included exhibits with the affidavit detailing laws they have broken and an invoice for each. This situation causes me immense amounts of stress every day and is causing my credit score to drop to poor levels further compounding the negative effect this company is having on my life. I have included everything I have done so far.
Company Response:
State: TX
Zip: 78704
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I closed my credit card account on XX/XX/XXXX. I paid a {$500.00} deposit to secure my credit card credit limit via electronic bank transfer on XX/XX/XXXX. My account is paid in full with the last payment posting to my discover card on XXXX XXXX, XXXX. My balance is at {$0.00}. The company is refusing to refund my {$500.00} security deposit and saying I have to wait two more statement cycles and then they will mail it back via paper check. This is absolutely absurd. If I am 30 days late on my payment I am charged a late fee and my credit rating is affected negatively ; however, this financial institution thinks they're entitled to 60 days to refund my deposit and then additional weeks to mail it by check, and isn't compensating me or paying any interest to me for the extended delay for holding on to my money. I want this matter resolved in a timely matter and want the security deposit funds deposited via electronic bank transfer back to the XXXX XXXX account on file with them that the funds came out of.
Company Response:
State: WV
Zip: 261XX
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Discover FIN SVCS LLC reporting under account # XXXX is a up to date current closed account that was paid in full that wasn't a charge-off. It has come to my attention that in 2017 for the months of XXXX, XXXX, XXXX and XXXX they have marked across all 3 bureaus XXXX, XXXX and XXXX 30 day, 60 day, 90 day and 30 day late payments respectively when this is inaccurate and incorrect. I have made all payments on these accounts on time and have never been late once. I am in the process of going for an apartment and due to these late payments they have severely impacted my credit where I can not qualify for an apartment because my credit is shot due to this. I need this account updated with the right correct payment history as current and up to date on payments.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The Credit Bureaus are reporting inaccurate information on DISCOVERBANK ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. ( DISCOVERBANK XXXX )
Company Response:
State: NJ
Zip: 08701
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My account ( XXXX ) with Discover have been on hold since XX/XX/XXXX due to suspected fraud activity which I believe is due to check in the amount of {$690.00} deposited in XXXX of XXXX, issued to a cousin with same name whom uses the account opened using my social security number. As explained in prior complaints, account was opened using my information because the relative is unable to open accounts due to credit issues. The check was deposited using my account, issued under his name by XXXX XXXX. Currently, funds are not in the account, which I believe Discover is attempting to recover and thus, placed a hold on account. Discover appears to have received information regarding check as fraudulently cashed, the relative may have submitted information to XXXX XXXX indicating so .... I've reached out to relative, confirmed he is confused about check. Previously, I attempted to reach Discover rep to provide this information, unable to reach by phone. Further, Discover rep appears to refuse to answer further complaints in re, claims to have addressed complaint ( XXXX ) in which information above was not provided.. With information provided, I request any remaining funds in accounts sent via check.
Company Response:
State: CT
Zip: 06320
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: About 5 days ago I received a email from XXXX who said Discover Card was insisting on my signature for permission to obtain my tax records thru XXXX process. Without any warning they also suspended my line of credit until I allowed them to get my tax returns from prior years, not even current income information??? I was in the middle of a vacation and on the road which caused me great stress and thankfully I had other means for deposits, gas etc.. or I would have been stranded. I have had this card for several years and the tactics they used to get this information seemed like a scam doing this by email!!!! This should not be allowed. We are told all the time not to provide our private information in this manner to anyone. This was not even my Credit Card Company ( Discover ), this was directly from XXXX asking me on behalf of Discover???? I returned from vacation today XXXX and called Discover and asked they retract this request as it is not required from every customer nor was the manner in which they were trying to get information thru a third party seemed like a scam!!! I also told them there way of trying to force people who are already customers of suspending their lines of credit without notice was also a threat of you have to give me this information or else which is not right!! This tactic caused me harm of having to close my account with Discover which will affect my credit score in a negative way and I think is completely unfair that a credit card company can pick and choose who they require this information from and not all customers are treated the same. Again, they are not even asking for current information, past information!!!. Research on the internet re this subject I see Discover is doing alot of this and there are many complaints. Thank You for your time in this matter.
Company Response:
State: AZ
Zip: 860XX
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: 15 U.S. Code 1681a ( D ) ( 2 ) ( A ) ( i ) and 1681a ( D ) ( 2 ) ( B ) states that ... .... except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; A authorization or approval of any account would be anything like a credit card, mortgage, auto loan etc should not be on consumer reports also transactions either discover has been reporting these account without my permission as well as they shouldnt be there anyways as it should not be included in a consumer report
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
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: It is so complicated and frustrating..I have called discover multiple times and spent hours on the phone. There was a dispute fraudulent charge. Old Account was closed and a new card was sent. I paid off old balance. This payment wasnt reflected. And old balance was transferred to new card. I thought ok mistake so I paid it also thinking I would get a credit eventually. Now they are saying I STILL owe old balance and trying to transfer it again to account. Also even older than this was an old double charge from XXXX where the charge from XXXX and the charge from the hotel for the same night was on statement and they still did not honor my dispute.
Company Response:
State: PA
Zip: 18018
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: My following statements have been previously stated during phone conversations between myself and Discover employees, and beginning with my very first phone contact to Discover declaring identity theft / fraud in XXXX of XXXX. I feel it necessary to put above said statements in writing due to the fact that my words spoken to Discover employees over the phone, have gotten twisted and distorted, and or misunderstood by Discover employees ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... XXXX, XXXX XXXX XXXX the following statements as truth! When i called Discover in XXXX of XXXX, i absolutely DID report this account as Identity Theft / fraud, and that i did NOT apply for, nor authorize and knew nothing about the account whatsoever. And that i had very recently discovered the account and under my identity. During that very first phone conversation, Discover transferred the phone call to about four different employees or departments, and it was Discover employees that got confused and wrote the complaint as a LOST or STOLEN credit card, instead of how i reported it as IDENTITY THEFT /FRAUD. After a few weeks i received a new credit card in the mail from Discover and i then called Discover AGAIN and told them that i do NOT want a credit card and refuse to own a credit card, and that i had reported the account as fraud ID theft and to remove it from my identity. The female Discover employee yelled at me stating that i should have reported it correctly and was very upset towards me about the whole thing. I then stated to her that the account is a result of ID theft. And this is the reason why there are three different account numbers and a very confusing paper trail considering the paper documents from Discover that i submitted as evidence in CFPB Complaint XXXX on XX/XX/XXXX .... ... ... .Statement # 2. Discover states that i told them i had discovered the account in XXXX and did nothing to stop it because it was my wife who opened it ... ... .... ... Discovers above statement is NOT true. During a phone conversation to Discover, i stated that around XXXX, i had noticed a Discover card in my wifes possession with HER name on it and had no reason to suspect fraud and therefore reported nothing. Much later discovered, my wife ( ex wife since XXXX ), had her own personal Discover card account. She also had a card in her name under this fraudulent account using my ID. ... ... ... .Statement # 3, yes i did tell Discover that i had used a card for XXXX to potentially prevent further damages from fraud, and that i couldnt remember which card i had used and that if XXXX had been charged on this fraudulent account then i would be happy to pay for the amount charged to purchase XXXX ONLY... I just recently found the paperwork that shows that XXXX was NOT charged to the fraud account! And therefore i did NOT EVER use the fraudulent Discover card account! ... ..Statement # 4, the fraudulent account was opened using an email address that is NOT nor ever has been my email address. Discover is the one that removed that email during the very first phone call i made to Discover. ..., I had never been a victim of ID theft and was discovering many negative things during that time period, and it was all very confusing to me and i really had no idea of a correct procedure to report fraud, but i did the best i could as soon as i verified it to be true to my belief ... ... .It is Discover who is at most fault for not doing a better job at verifying exactly who they are giving money to! Discover is still currently breaking the law FCRA 609 ( e ), and in addition to their abuse towards me!
Company Response:
State: OR
Zip: 97478
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A