Date Received: 2021-12-04
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: On XX/XX/XXXX XXXX I was charged {$290.00} from XXXX XXXX XXXX. I call endlessly to reverse charge but no one answer the phone. On XXXX XXXX I open a dispute with my discover card. They told me they were going to try to fix the issue and in the meantime my XXXX was frozen, meaning I didn't have to pay it back. On XX/XX/XXXX XXXX the XXXX XXXX XXXX gives me the refund back. On XXXX XXXX discover says I owe them {$290.00} again. When I call the dispute department they said they didn't realize a refund was given to me back on XXXX XXXX and I have to give them back {$290.00}.
Company Response:
State: FL
Zip: 33185
Submitted Via: Web
Date Sent: 2021-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I started dispute ( XXXX ) on multiple Transactions in my credit card account starting in XX/XX/2021. Discover said they would look into the disputes and gave me my money back from these transactions. 3 months later they reversed all the disputes and said I owed them. The entire three months they reported balances on my consumer credit report. I told them they committed multiple violations under Title XXXX Chapter XXXX XXXX ( B ) and ( d ) Correction of Billing errors by taking more than XXXX billing cycles to finish the investigation, reporting to my consumer credit report the entire time incorrectly stating I owed a balance when in fact I disputed the transaction thus ruining my consumer credit report and once I brought up that issue they said they are going to close my account if I dont provide my Social Securty Number for authentication purposes. I demand payment of {$6000.00} for all the violations and my account to remain opened because I never gave them permission to attempt or to close my account.
Company Response:
State: OH
Zip: 44035
Submitted Via: Web
Date Sent: 2021-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. DISCOVERBANK & {$1700.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX - I called to inform Discover that there are new pending unauthorized charges XXXX - I was denied the right to pay the balance in full, Discover representatives say they can't take a payment due to the fraud activity If I don't pay the balance in full on XXXX XXXX will report my current balance to the reporting agencies and my XXXX will be negatively affected, I do not carry balances past the 30 day cycle periods which, for XXXX, occur the XXXX day of each month.
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I changed banks and therefore, checking accounts. My new bank provided 2 checking account numbers for the same account. One ended in an XXXX, the other a XXXX. When apparently one did not go through and Discover charges a XXXX man, at XXXX, {$29.00}. XXXX XXXX stopped charging overdraft fees all together, why can't Discover be more like XXXX XXXX? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are in Utah, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I used their secure messages and the chat feature, I asked for arbitration information per the customer agreement, but have received no reply.
Company Response:
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I was extremely XXXX today, XX/XX/2021 after attempting to use my Discover card to purchase an ink toner for my personal printer. When I inserted the Discover card, it was declined multiple times causing me to hold up the checkout line. This just added to the XXXX as I was already XXXX out because XXXX XXXX had me repurchase the ink toner after I had already purchased online and was just there to pick up. I did not bring the card I originally made the purchase with because I was there solely to pick-up. I thought it was a blessing that I happened to have the Discover card to pay, so I thought until it was denied. I drove 45 minutes from my house and had no other options but to be forced to use my business card to complete the transaction for personal use to avoid further inconvenience of losing my spot in line or having to drive 45 minutes to get my other card. I feel like I am being discriminated against because I hadnt experienced any issues or problems with my Discover card until I exercised my rights in good faith as a federally protected consumer informing DISCOVER FINANCIAL SERVICES of the billing error. I had reason to believe that this is an adverse action against me as defined by 12 CFR 1026.13 ( d ) ( 3 ) as my account appeared to have been closed or restricted without my consent or approval. This adverse action needs to be corrected IMMEDIATELY. DISCOVER FINANCIAL SERVICES has failed to comply with federal regulations in the subchapter of 12 CFR 1026.13 resulting in legally forfeiting their rights to collect as defined by 15 USC 1666 ( e ). In accordance with 15 USC 1666d, these past, present and future remittance coupons that they send in the mail to my place of abode need to be converted into checks monthly that are payable to me. This would have never happened to me if DISCOVER FINANCIAL SERVICES properly handled my account as an open end credit plan applicable with federal law as defined by 15 USC 1602 ( j ). Also, this would have never happened if the credit balance on this account was zeroed out monthly pursuant to 15 USC 1666d ( A ). The agent, XXXX, conducting business on behalf of DISCOVER FINANCIAL SERVICES confirmed that my account was closed as of today, XX/XX/2021 without notice and was unable to provide any specific reasons as to why it was closed outside of claiming an adverse action. The agent went on to tell me that DISCOVER reserves the right to close my account at any time after I told the agent that I never consented to have my account closed. I know for a fact that the adverse action was against me for in good faith exercising my rights as a federally protected consumer.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: {$100.00} My health insurance company has charged me twice for the premium for the month of XXXX, XXXX One dated XXXX and the other dated XXXX. On XXXX I asked a supervisor at discover Bank 's disputes department to specifically dispute the charge dated XXXX. I also told the supervisor not to dispute both charges because the charge dated XXXX is correct. Then why did you dispute both the charges?
Company Response:
State: CA
Zip: 90038
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Discover bank as violated my consumer rights according to the FCRA. Under 15 U.S.C 1681a ( 2 ) ( B ) Exclusions from a consumer report. This account is in violation. Any credit transaction suppose to be excluded from a consumer credit report if a social security was used in the transaction. Under 15 U.S.C 1681- Permissible purposes of consumer reports. I never gave discover bank any written consent to report anything on my consumer reports. No consent is identity theft
Company Response:
State: FL
Zip: 33073
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I submitted a complaint with the attorney general on or about XX/XX/21. Case # XXXX. The complaint was in regards to the secured card Ive had with a DISCOVER for over a year. A response was sent from the XXXX office ( XXXX XXXX ) stating the companys right to hold the deposit at their discretion. I followed up with both the XXXX and DISCOVER asking that my deposit be returned Pursuant to XXXX XXXX Code XXXX. Transactions involving finance charges shouldnt involve cash. I asked that my credit be switched to an open-ended account Pursuant to XXXX code XXXX. I also reminded DISCOVER that any adverse actions against me because of this request is a violation as I am a federally protected consumer. On XX/XX/21 I received an email stating my account had been closed at my request. My complaint and response specifically stated that I wanted to keep my account active. I never requested my account be closed. A few calls have been made to DISCOVER in regards to this matter. The only response was that of the adverse action taken on XX/XX/21.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Hello, I have automatic payments set up on my Discover card for the minimum monthly payment. I know when I set up the payments, I was advised that if I make the payment prior to the payment coming out automatically then it would not go through. I like to make my payments in advance if I can so that it's withdrawn sooner. However, I was not sure of how far in advance the payment needed to be made so that a duplicate payment is not withdrawn, so I contacted them by phone to confirm. Long story short, after speaking to two representatives to confirm it would not be withdrawn, both payments were withdrawn from my account and caused my account to go into the negative. I called for a resolution and the only resolution I was provided with was we can refund the payment once it's posted. I asked if my credit card account could be credited with any fees I receive from my financial institution and my question was not addressed. I asked if the payment can be pushed to the following due date and the question was not addressed. I asked if they could provide me the funds to cover my fees and I was told the only thing they can offer is to refund the payment. This was a BIG error on their part, and I do not feel they attempted to assist me with all possible options. They were able to offer and credit my account {$40.00} to set up the auto pay but they could not push out my payment and offer a credit in the amount of my fees from my financial institution. Below are the dates and summary of the events : XX/XX/21 approx. XXXX : Spoke with a representative to confirm my payment would not be withdrawn twice. The representative stated that if I made a payment that day I would be in the clear and an additional payment would not be withdrawn. As a matter of fact, she offered to take the payment, so I made the payment by phone with her. XX/XX/21 : I checked to see if the payment was withdrawn. It was not so I checked the Discover account online. I saw the payment pending along with my automatic payment, so I contacted Discover again via chat. XX/XX/21 @ XXXX : Spoke with representative via chat and he also confirmed my payment would only go through once. XX/XX/21 @ XXXX : I reached out again to advise the payment is being withdrawn twice and I need to stop it while it was pending on my account. She advised me that it could not be stopped, and she could only issue a refund once it's posted which could take up to 7 days. This last chat went on for about an hour but to sum it up, even though it was an error on their part, they were only able to provide me with the option of a refund after, the damage was done, and the payment was withdrawn twice. Even after I provided and asked for other options, not to mention calling beforehand to prevent this.
Company Response:
State: MI
Zip: 48239
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A