Date Received: 2021-12-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was erroneously set up for automatics payments, by Discover card, without my consent. On XX/XX/2021 when I went to pay the full balance as I did in XXXX and XXXX, I was automatically charged the minimum due without my knowledge so I overpaid my bill by the minimum payment. I realized this when I checked my statement and saw a negative credit charge which I was told was because I overpaid and I was still not informed that I was set up for automatic payment. On XX/XX/2021 I went and paid my full bill of XXXX XXXX I only have enough funds in my account to pay my credit card bill each month. I was erroneously charged the minimum balance due of XXXX XXXX I was not informed I was being charged this amount so when my actual payment of XXXX $ went through I did not have enough funds to pay it so it was returned. I received a notification from Discover through the app and email on XX/XX/2021 at XXXX XXXX indicating that my payment of XXXX $ was received. Because Discover withdrew the XXXX $ without my knowledge I was charged XXXX $ overdraw fee from my bank. Discover then re-withdrew XXXX $ again, without my knowledge, which was returned again so I was charged another XXXX $ return payment fee by Discover and another XXXX $ from my bank. I was unaware of any of this. I checked my statement after purchasing an item on XX/XX/XXXX at around XXXXXXXX XXXX. When I checked my statement I saw a XXXX $ fee and that I was recharged XXXX XXXX I called Discover card at XXXX XXXX and the call lasted 16 minutes. While on the call I was transferred to different agents 4 times. No one gave me their name or explained to me what happened with my payment. I was told I did not pay my bill and was recharged. I asked why I was not informed of this payment not going through the first time and why I had to find out after two attempts and 4 extra fees from Discover and my bank. The last woman I spoke to notified me that " this was a business call '' when I became upset because XXXX $ of my hard earned money has now disappeared. I was to call my bank and figure it out so I hung up and tried again the next day. On XX/XX/2021 at XXXX XXXX I called discover card again and explained the situation and asked what happened. I was informed that I was set up for automatic payment which is a self serviced. ( I never set that up I do not even know how to so that right there is fraud ). I was told that I did not have enough funds to pay so it was returned and I was charged the XXXX $ which occurred twice. I asked the woman why I was not notified and she told me it is not Discover cards responsibility to notify the person of returned payment or fees charged because of it. I then asked where my money went since it was not returned to my bank account and was directed to call my bank. The lady reversed XXXX XXXX $ returned payment fee but would not reverse the other and was rude on the phone. The phone call lasted 10 minutes. When I called my bank and explained the situation they told me they could not do anything and it was a matter with Discover and I needed to call them. I told my bank I did call Discover multiple times and they informed me the inly thing they can do is stop any future transactions with Discover and have them approved by me. I then asked where the XXXX $ went and they said it was taken out to pay discover and I need to call them about that too. My bank gave me back one XXXX $ overdraw fee but refused to give me back the second and told me to ask Discover for it back. I am not out XXXX $ in fees and am not sure where my payment of XXXX $ went and where that money was returned to. I am very frustrated because I work very hard for my money and I do not miss payments. I refuse to pay these erroneous fees because this mess up was solely on Discover card.
Company Response:
State: PA
Zip: 19026
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
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: Dear Discover Bank, Subject : Disputing Information in Credit Report, I am writing to dispute the following information that your company supplied to the credit score companies. My credit report shows 3 late payments on my credit score. Discover bank reported 3 late payments on my credit score for the months of XXXX, XXXX, and XXXX for the year of XXXX. I was under the impression that I had paid off the balance of the credit card. During that summer, you can check on your records that I tried to login to the mobile app online multiple times but the website was not working and kept giving me errors. I even had a talk about this with discover bank with a rep and paid the bill over the phone. A few months later, I had not received any bills in the mailbox. I understand that the account is registered under electronic billing but when the matter is about unpaid balance for 30 days, I should at least get confirmation of communication that I am told there is a balance. 60 days passed, and then 90 days passed and the account was unpaid. The email that the bills or statements were being sent to was a college mail. The college student email was no longer valid and have no access to that email for a very long time. I graduated college in XXXX of XXXX. And the unpaid reporting to my credit score was for XXXX, XXXX and XXXX right after. I had not even received any phone calls for late payments. Even I did receive the phone call, I paid the balance immediately over the phone. There were no money issues, I can show my bank statements for the months that the balance was not paid, you will see that I had more than enough capital to cover the balance. Discover bank was one of my first credit cards I applied for when I was a student in college. I believe I got the card in XXXX with a credit limit of only {$500.00}. I paid the bill on time and even early every single month for years and my credit limit even went up to {$3300.00}. I have never made a late payment on any of my credit cards with any bank. I have a very good record. I was so disappointed because I've tried to contact discover about this issue but I have had no luck. I have been a very loyal credit card user or years since I was a college student but the problem came when I graduated and had no loner access to the email account or the bank login on the mobile app for some odd reason. My phone number on the account might have been different even though I've reported a different number change to the bank many times. During the time I was also out of country, in XXXX. During my visit I had conceived the XXXX XXXX XXXX and was sick for a very long time during XXXX and XXXX. I was in the XXXX XXXX XXXX XXXX and even missed my flight due to it. Then I was stuck in XXXX for many more weeks as there was a travel ban on all the flights. It was one of the worst times of my life and I was really worried about paying rent and bills as I was not ready for the unexpected events. I was not receiving paychecks from work due to extended time away from the country and I didn't truly know when I would be able to fly back due to the emerging DELTA variant. At the moment, due to the credit reporting of late payments, my credit score that I was worked on since I turned XXXX and started college with discover bank student credit card, the score went from the high XXXX 's to now the score is XXXX. It dropped over XXXX points. Last year I saved up my life savings and put it as an earnest deposit on a house for my family. The deposit was a large amount and the house will be ready in a few months. After talking to a loan officer today, I am told I may not be eligible for a house loan mortgage anymore due to the three late payments reported on my score that caused this sudden drop in my score. Please I request you as a loyal customer for years, as a new college graduate starting my new life, and for everything I've ever worked for, for many years or hard work and working on my credit score. When I signed the house contract my credit score was in the high XXXX 's. Now it is XXXX. My entire live saving is at risk because I will lose the deposit if I do not close on the house mortgage. Please I request you to remove the late payments on my credit score reporting bureau companies. Please reinvestigate this matter and contact the national credit bureaus to have them delete the late payments as soon as possible. I have made every payment to discover bank and the late payment reported on my account was due to non communication, errors in login attempts, student email no longer valid, stuck in another country due to XXXX XXXX, there were just so many things going on and the unpaid balance for the discover credit card was so little! For so little amount that was reported paid " LATE '' my entire life Is being wasted. Everything Ive worked for since XXXX, my life savings, my dream house for my family are all in risk. Please I request you to remove the 3 late payments and I can provide you with any documentations you require. My bank statements, hospital records, flights records. My phone number is XXXX. Thank you and look forward to hearing from you, Ive only used consumer finance because I had no other way of working this out with your bank and the reps on the phone. Please take a look at this, it is a time of holidays and XXXX XXXX and my life is so disturbed from this news I don't know what to do. its my humble request.
Company Response:
State: TX
Zip: 75007
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX has several inquiries on my credit report that are on authorize or fraudulent and they are refusing to remove them And also a Discover card decreased my current credit limit from the incorrect information that they received from XXXX XXXX which I totally believe that is unfair. But then they turn right around and approve me for {$3000.00} credit card after they just decrease my credit limit because they said I had several inquiries and credit issues
Company Response:
State: MD
Zip: 21239
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-27
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: I had a discover card that went unpaid to to becoming XXXX I recently paid and settled the account with a collection agency who o never had an account with. I also spoke to someone at discover. Its really strange that the sent me a check if I owed more than what o settled for. If Im forced to get and attorney I will.
Company Response:
State: GA
Zip: 30815
Submitted Via: Web
Date Sent: 2021-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XX/XX/2020 I was unable to make payments on my insecure debts due to another illegal collections action which set all of this in motion. I hired a third party debt settlement group to handle my collection yet this company did ignore and did not respond to them and started calling my place of employment twice daily and my bosses started getting upset with them and me they were harassing me at my place of employment and continued to rack up late fee charges and interest to my account Now I have a XXXX XXXX court hearing to set aside a default judgement I had no prior knoweledge to being served any court papers of but I did get court papers of a default judgement
Company Response:
State: MI
Zip: 48219
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-27
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2021 Discover Bank closed my savings account containing a balance of {$10000.00}. They provided no reason on why they closed my account. After contacting them several times regarding returning my {$10000.00} back to me they are telling me that it will take 60 to 90 days before they send a check back to me.
Company Response:
State: CA
Zip: 90731
Submitted Via: Web
Date Sent: 2021-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-26
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have had this account since XXXX. I have never missed or had a late payment. In XX/XX/XXXX, the company arbitrarily decreased my credit limit by almost 30 %. This decrease had nothing to do with my account history and has caused my credit score to drop
Company Response:
State: CT
Zip: 06708
Submitted Via: Web
Date Sent: 2021-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-24
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 used my Discover Business Credit card to pay for services from a website developer. The website was not delivered to me - I do have access to the credentials or have ownership of the work. I paid {$3900.00} to have a custom website plus other branding, graphic illustration etc. created for my company on XX/XX/2021. When the work had not been completed in XXXX I filed a dispute with Discover Card that but they charge it back stated that the work had been done. I explained to them that first of all the work had not been finished, and that more importantly I was no given ownership of the website or other assets that I paid for so that does not equate to services rendered because it was not delivered to me. Since I do not have access to the files and right to them I can not not use them. They advised me to take legal action against the company but they would not credit my account,
Company Response:
State: FL
Zip: 33431
Submitted Via: Web
Date Sent: 2021-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Was charged {$1000.00}, by someone who hacked one of my accounts. I called my credit card company, told them it was fraud, and they have refused to do anything about it. Every time I call, they say call back in 10 more days. I'm being charged interest for a fraudulent transaction and they insist on giving me the run around. When I told them that they're giving me the run around and that I've provided the proof they asked for they said to quote, " I'm not going engage that conversation. '' And " it's your responsibility to keep calling in because its your account. '' When I asked, what I'm supposed to do about the interest I'm being charge for the fraudlent transaction I was told, " after the investigation is done, which will take 30 days, we'll see what we can do. '' This is unacceptable. They don't care about {$1000.00} that was stolen from me.
Company Response:
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2021-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Discover card closed my accounts even with perfect payment and even paying before payment dates just to keep the accounts healthy. It is wrong and should be illegal to close someone's account without valid reason especially when the account is being taken care of better than most customers. This feels discriminatory as I am of XXXX descent. This resulted in lowering my credit score which therefore harms my chances of being approved for credit at good interest rates. Closing my account also lowered the average age of my credit itself. This alone is an erroneous report on my credit report as I do have over 2 years of credit history with Discover. Discover should reopen my account or delete my account altogether. This just isn't fair in the middle of COVID 19. In addition, I also have perfect credit history with all my other credit card companies. In fact, they are all paid off.
Company Response:
State: CA
Zip: 90012
Submitted Via: Web
Date Sent: 2021-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A