Date Received: 2023-11-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account is not mine. Please remove this fraudulent account from my credit report. Thank you!
Company Response:
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hard credit inquiry by Discover Financial with report number XXXX. They lack to request proper documentation in a timely manner and after me providing everything that was needed and accepted by their webpage they denied my application since I did not provided the information within their expected timeline. They had me open a second application which was also canceled during the process for no reason. For the XXXX time, time had me open another application, requested another hard inquiry within few weeks, provided all the documentation once again, including additional sensitive documentation from many past years to conclude that I was not elegible. I believe this is ridiculous, they could have mentioned that already since the first application if all documentation was provided already and not having me going through this process and request a hard inquiry to my credit report again.
Company Response:
State: TX
Zip: 75028
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dear Discover, I hope this message finds you well. My name is XXXX XXXX, and I am contacting you regarding a concerning matter regarding my credit report. Upon a recent review of my credit history, I discovered an entry indicating the possession of a Discover credit card in XX/XX/2016, a time when I was merely XXXX XXXX XXXX. I strongly suspect that this credit card account was established without my knowledge or authorization, presumably by my late father. I am writing to formally request the expeditious removal of this erroneous credit card account from my credit report. It is essential to emphasize that I was underage at the time and had no involvement whatsoever in the initiation or usage of any credit card account. I respectfully urge your prompt attention to this matter and kindly request your support in investigating and removing this inaccurate entry from my credit report. Your assistance in rectifying this discrepancy would be immensely appreciated. Should you require any additional information or documentation to facilitate this process, please do not hesitate to contact me. Thank you for your prompt attention and assistance in resolving this issue. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 32771
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Company abused consumer report to deny XXXX based on information from 2019 & used information from XXXX such as " employment history '' " phone numbers '' & simply did not refund {$1300.00} to deny wrongdoing occurred via their " savings '' account product
Company Response:
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Discover offered me a 0 % interest rate on all purchases until XX/XX/XXXX. However, I was charged interest on my XX/XX/XXXX statement. I called Discover and an agent agreed that I should not be charged interest and she refunded the interest charge. However, I was again charged interest on my XX/XX/XXXX statement. I called Discover again, but this time the agent refused to refund the interest charge. I believe that Discover is committing Unfair and Deceptive practices by charging interest that is in contradiction to the offer they provided to me.
Company Response:
State: NC
Zip: 27502
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I got the mail from Discover bank on XX/XX/2023 ( delivered by XXXX ), showing that someone changed my saving account email address on XX/XX/2023. I immediately checked my Discover saving account and found {$81000.00} has been transferred out as well as {$30.00} wire transfer fee. I directly called Discover dispute department and request the dispute. They said they need to investigate and no timeline can be provided. I was not aware of anything from the beginning, not sure how someone can change my email address and phone number in my account without notifying me.
Company Response:
State: CA
Zip: 94560
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
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: First, I would like to say I pay my bills and on time. Discover credit card did not credit my account when items were returned to the store XXXX. Discover lead me to believe they were investigating the dispute when the real truth was when the items were returned to XXXX, XXXX issued the credit back to my account but in return Discover reversed it back when I got my statement and saw that it was for a few cents more favor being on XXXX when I finally found out the real truth that Discover had been lying to me all this time racking up late fees on my account when my account was paid in full. When I found out the real truth I filed a lawsuit against Discover and they closed both my cards. When I filed the lawsuit against Discover I also in returned filed against the other two creditors because they too had a XXXX balance and it was their responsibility to have corrected their mistake and did not. After Discover did this to my accounts I had creditors that I had been with for years to close my accounts So with all the damages that Discover did to me it has brought my credit score way down not to mention all the time and money to get this corrected. The lawyer stated he could not believe Discover did this. Now I will have to file in federal court against Discover but now Discover dismissed it to a third party but still showing on my credit report as being unpaid. credit score. When Discover found out I had filed the lawsuit against them they closed both of my accounts however before closing the one that should have had a XXXX balance they kept showing an unpaid balance and in return I believe made two other creditors follow suit in Discovers wrong doings. XXXX XXXX account was paid in full and they too kept showing late fees and this was Comunity banks wrong doing when I paid my account in full their own employee took one number incorrectly from my bank account which in return showed my account not paid but it was their late fees which did this. One of the three creditors I filed against in court paid me before going to court and we both came to terms and settled. The other two Discover and the XXXX creditor closed accounts but still showing unpaid on my credit report. This information was also sent to all three credit reporting agencies along with all supporting documents to show what was done. I will have to sue them in federal courts not sure when I will have the time to file. Sincerely, XXXX XXXX
Company Response:
State: IA
Zip: 50322
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I hope this letter reaches you in good health and spirit. The reason why Im writing is because I want to complain about when I call and talk to agents about my Discover credit card regarding the balance transfer what do I need to pay on top of the minimum payment to avoid interest they are not giving me the correct information. They are giving misleading, confusing and wrong information. Im really just calling to clarify to make sure so my payment I just made was {$150.00} the minimum payment {$130.00} plus {$20.00} of a purchase to avoid interest on this cycle of XXXX. I called to clarify one agent gave me the wrong information said I need to pay my full balance without paying attention to the details of my account so then I ask to speak to a supervisor told me that I needed to pay {$6000.00} and something but that is the balance transfer that is under no interest for a year with the promotion she also told me its hard to avoid interest on a credit card its always a chance you can get charged interest which that isnt true either. I got so frustrated I hung up the phone. I called back and requested to speak to a supervisor and she told me that in needed to pay the minimum payment plus the balance transfer fees and the transaction/purchases I made but I told her the fees were paid with the balance transfer which isnt due until a year from the balance transfer date to avoid interest. I believe the {$150.00} payment is correct but your agents and supervisors needs to be more aware of my questions and how balance transfer work with promotion plus transaction/purchases to avoid interest. I just wanted clarification and they confused the situation even though I believe I understand what Im doing and the very first agent that explained to me when I made my first payment of {$800.00} something right after the balance transfer explain to me correctly. The agents I spoke to that gave me different confusing information makes me not want to ever due the balance transfer again. I know my transactions/purchases have a promotion on the interest but I still want to avoid interest all together so I know I need to pay minimum payment plus anything purchases I made in that billing cycle and I just wanted to be reassured. Can you please clarify if Im doing it right and the payment I made for XXXX of {$150.00} is correct? I also want to complain that on XXXX my debt card with Discover was having technical issues I was not able to pay for my sons Birthday cake by XXXX XXXX certain time for a deposit on the cake for the specialty cake to be made and my sons Birthday was Monday XXXX and he turned XXXX. He was very disappointed. I been a customer for several years and I deserve great service. Hopefully going forward this will not happen again. Thank you very much for your time. Have a wonderful day and please continue to be safe.
Company Response:
State: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I am writing to file a formal complaint against Discover Bank and the XXXX XXXX XXXX XXXX and XXXX regarding their collection tactics and the imposition of exorbitant interest rates. I am currently facing significant hardships that have severely impacted my ability to meet my financial obligations. As a XXXX XXXX in the midst of a costly and emotionally challenging divorce, the financial strain resulting from legal fees, contested child support, relocation, loss of income, and the general nature of divorce proceedings have left me in a precarious financial situation. The issues I am raising concern both Discover Bank and the XXXX XXXX XXXX XXXX and XXXX 's utilization of aggressive and abusive collection tactics, as well as the imposition of excessive interest rates. I am being threatened with wage garnishment, which would certainly make me unable to make ends meets. These practices have only served to exacerbate the challenges I am already facing and have contributed to the deterioration of my financial stability. Discover Bank has engaged in what I believe to be unfair and harassing collection practices. The constant calls, aggressive communication, and lack of empathy towards my current situation have only added to the stress and emotional toll of my circumstances. Moreover, the interest rates being applied to my accounts appear to be unreasonably high, further deepening my financial woes. Please understand I am not refusing to pay but I dont have {$14000.00} just laying around. Similarly, the XXXX XXXX XXXX XXXX and XXXX, in their pursuit of collection on behalf of Discover Bank, has displayed a disregard for the challenging circumstances I am currently navigating. The methods employed by the law office, including but not limited to threatening language and an unwillingness to work with me on a reasonable resolution, have left me feeling helpless and overwhelmed. I kindly request that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action against Discover Bank and the XXXX XXXX XXXX XXXX and XXXX if violations are found. Additionally, I seek relief from the burdensome interest rates imposed by Discover Bank, as well as a more compassionate and reasonable approach to the debt collection process. I would like to add I am a reasonable person and understand that this debt is owed. I do not want to file for bankruptcy protection, but the overwhelming debt load I have as well as legal fees being incurred for my ongoing divorce and child custody battle are just too much.
Company Response:
State: CA
Zip: 93312
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I opened a secured credit card through Discover at the suggestion of my mortgage lender to slightly increase my credit score by a few points so that I could qualify for a better rate on a mortgage. I paid the card in full every month by the due date and never carried over a balance to the next billing cycle. Discover began reporting 100 % credit utilization to the credit bureaus decreasing my score by almost 100 points. Being as I never carried a balance on the card, I never had revolving debt, and therefore I had 0 % credit utilization. Also, Discover changed the terms to which they would give me a credit line increase without notifying in writing 30-days prior. They were supposed to review my account after six months of on-time payments for a potential increase and when I asked for one I was advised that this actually happens around month seven or eight and possibly even nine. I am a meticulous planner and never would have agreed to something like this.
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A