Date Received: 2021-11-22
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/2021 I attempted to make a purchase for a flight with XXXX XXXX. I made several attempts on the website but the website was glitching and continued to say that my transaction could not go through and that my reservation had not been confirmed. The flight was for the next day XX/XX/XXXX. I did not receive any email notification indicating that the booking had been received. The morning the flight was to be taken ( XX/XX/2021 ) I received XXXX email indicating I was ready to check-in for my flight. I called XXXX and explained that my flight did not show it was booked but I was receiving information about checking in. The woman indicated the flight had been cancelled. I informed her I am showing XXXX charges on my card for some reason and she indicated THAT THERE WAS ONLY XXXX FLIGHT they were showing and that this flight had been cancelled. By XX/XX/2021 both charges were shown on my discover card. I disputed both charges on XX/XX/2021 through the discover website. I also called discover and spoke to a woman to describe what had happened more specifically- that I was only attempting to make XXXX transaction and that I continued to get a message that my order had not been completed. That I did not make a second transaction and that I had ( obviously ) not gone on the flight because I was being told online that the transaction would not go through. The woman informed me to dispute both charges and she would add notes to the accounts to indicate what had happened. She did inform me that XXXX dispute would fail since XXXX had already refunded the transaction however we did not know which one had been refunded and to add the cancellation to both. XXXX dispute was resolved on XX/XX/2021 since XXXX had already refunded the amount. However, the last dispute was not resolved in 30 days, was not resolved in XXXX day but instead took XXXX days to be resolved. I received an email on XX/XX/2021 regarding my dispute number XXXX. The email indicated that I had won my dispute- which made sense since I did not do the charge. When I logged into my account on XX/XX/2021 I found that my account had been charged the {$660.00} disputed amount. Meaning that the letter they sent me- indicating I had won the dispute- was not correct information. I called discover to ask about what happened and they informed me that they could not fight the charge and that I was not getting refunded. I then asked why it took them XXXX days to resolve this dispute and this was not a timely fashion since now I am out nearly {$700.00} for failure on both their parts. The man on the phone indicated that XXXX responded in a timely fashion but Discover had not accessed the response. I informed him that he should request the audio from XX/XX/2021 where XXXX told me that there was no issue and that there were NOT XXXX tickets on my account. He said he could not do that and there was nothing that could be done. I then called XXXX again to see if anything could be done on their part and an extremely nice woman attempted to help me resolve the issues with the account. The issues have not been resolved but I do appreciate the effort she made and she also indicated they could continue looking into the matter ( which is contrary to what discover had told me ). I am requesting a refund from Discover and am working to close this credit account for fraudulent activity.
Company Response:
State: CA
Zip: 90017
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
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 made a purchase, from XXXX & XXXX, for furniture on XXXX XXXX and XX/XX/XXXX. For furniture totaling {$2400.00}, with my Discover XXXX Over the next months/years, the furniture never arrived. I called discover to see what my opitions were, concerning disputes. They said I could. dispute at anytime. But give some time because of XXXX. As of today ( XX/XX/XXXX ), I have not received anything from the company, nor any firm date of when I will. On XXXX XXXX of this year disputed the case. They ruled against me, saying the company said they would produce furniture. What timetable I asked, they had none. The credit card company, is not standing behind their card, for a purchase where I have received nothing. going on XXXX years.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
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: This complaint is to be filed against : Discover Financial Services XXXX XXXX XXXX XXXX XXXX, IL To Whom it May Concern, On XX/XX/2021 at about XXXX EST, I attempted to order over the phone XXXX airplane tickets for my wife and I to XXXX XXXX XXXX in the amount of {$950.00} from a XXXX agency using my Discover credit card. At the time of the order, the travel agent told me that I would receive an email confirmation of the purchase with ticket details within XXXX minutes of the transaction. I waited until around XXXX XXXX but the confirmation never arrived. The following day ( XX/XX/2021 ) around XXXX EST as I was checking my emails looking for the confirmation from the travel agency ( which hasnt arrived ) I only saw an email from Discover which arrived at XXXX EST informing me that a purchase attempt was flagged as suspicious and had been declined requiring my personal confirmation. To me this meant that the transaction was not successful and the tickets were never ordered as I did not provide any additional authorization per Discovers email communication. However at XXXX XXXX I received another email from Discover stating the following : Thanks for confirming your recent purchase. Upon seeing this email, at XXXX XXXX, I immediately called Discover card services, explained the circumstances and was reassured by the Discover customer service representative that the transaction at the time of the call had still not gone through. At this time I asked that any further attempts of processing the order were blocked and that the transaction was canceled completely. I was reassured by the Discover representative that the transaction was indeed cancelled noting that there was nothing to worry about and there were no further action required on my end. After the live communication with Discover representative I continued to search for other tickets as we were going to a family reunion and we needed to secure our flight. I proceeded to order online thru a website recommended by my son XXXX Later that day ( XXXX ), as I was checking my emails and to my surprise I received a ticket confirmation from XXXX at XXXX EST. Additionally, at XXXX EST, there was another email from XXXX notifying that the credit card used had been declined for the booking and the transaction needed further action in order to be completed. Given the assurance in the morning by the Discover representative and the final email communication from XXXX notifying me that the transaction was declined, I was led to believe that no charges had gone through. On XX/XX/2021, I received the statement from Discover, with a charge from XXXX included. I proceeded to call Discover card services to dispute the charge and explained what has occurred a week prior. I was once again reassured by multiple tiers of Discover customer service representatives that the charge would be marked as disputed and removed from the statement. It was recommended that I also attempt to call the vendor ( XXXX ) directly to see if there was anything they would be able to offer but despite my trying, the vendor blocked my attempts by being unresponsive, asking me to call back numerous times and essentially giving me the run-around. On XX/XX/2021 I received an email confirmation from Discover card services that the circumstances were investigated and that they had ruled in my favor. On XX/XX/2021 I received a statement from Discover and I was surprised to see that the charge was still there. After reaching out once again to the DiscoveXXXX customer service I was notified at that time that decision had been overturned in favor of the XXXX this being done with no further conversations with me to provide additional context or explanation. Over the last several months, I have called and talked to Discover representatives over ten times to try and resolve the dispute but despite several promises to reopen the case and rectify, little to no action has been taken on Discovers part. Several representatives have apologized to me about the mistake and made promises that it would be resolved and that I would receive a phone calls from Discover supervisors within 48 hours. Despite the promises, with weeks and months passing by, I was left to call back yet again and again. The lack of professionalism and due diligence from Discovers side is unacceptable ( as was acknowledged by Discover representatives on several calls held ) and should not be how long-time customers and consumers at large should be treated. As is likely evident, this situation has caused me emotional pain and suffering been much more stressful than what anyone should endure when a mistake was made by a credit card company ( allowing a transaction to go through after being asked to cancel and assuring that direction would be followed ). I am seeking resolution to this situation and would like to be refunded the amount I was charged, as Discover has promised over several months. Regards, XXXX XXXX
Company Response:
State: NY
Zip: 128XX
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
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: To whom it may concern : I had made two purchases from the same seller on XXXX, on XX/XX/2021 and XX/XX/2021. The purchases were for the same item, a security camera. The first purchase was made by " making an offer '', and the second purchase was done by using the 'buy it now ' option. Despite purchasing two cameras, from the same seller, the seller only shipped one camera. They initially disputed that I purchase ( 2 ), given they are a new and ignorant seller that isn't aware how to operate the XXXX platform. After numerous secure XXXX messages back and forth, they finally realize and admit that they made the mistake. All correspondence was provided to Discover during the dispute process, since the seller never returned the money for the camera they did not send. Despite this, Discover sided with the merchant, XXXX, in a highly discriminatory favor. XXXX provided Discover with a tracking # confirming receipt of the package -- clearly missing the fact that delivery does NOT MEAN EVERYTHING WAS DELIVERED. Only 1 of 2 cameras was delivered. Again, secure, original, XXXX messages from the seller admitting they didn't realize XXXX cameras were purchased was provided and still Discover chose to neglect this information and allow a fraudulent transaction to remain on my account, violating the member agreement to accurately and properly investigate and advocate for their customer.
Company Response:
State: TX
Zip: 75208
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have been a XXXX to Discover Card for years. I only use it for emergency purposes, and my account is automatically debited for payments, so I'm never late. Although I pay every month, on time, my balance never decreases, and the minimum payment on the account always increases. My credit rating is good, and I don't use the card much. However, because of the high interest rate on the card, my account balance never goes down. Except for one time, when I paid off the account completely, I can never pay off the account. I called DISCOVER to discuss this situation, and they transferred me to their " XXXX XXXX '' department. I spoke with XXXX. She asked me if I could pay more - my minimum payment is already in excess of {$200.00} / month. I asked if she could lower my interest rate ; she indicated that she was not authorized to lower the rate on my card. She stated that she could only lower the interest rate on new purchases. Discover Card charges a usurious rate of interest. DISCOVER automatically debits my bank account each month, but my balance NEVER goes down, and my monthly minimum ALWAYS increases because of the exorbitant interest rate they charge.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2021 DISCOVER CARD SERVICES denied me a credit card after receiving incorrect information about me and using that to make their decision. Before they sent the denial letter, I contacted them via their website chat and alerted them that the information they collected about me was false and they said my social security number was wrong at first and ran my credit again only to deny me a second time. When the denial letter came they had my name incorrect. They willfully collected incorrect information about me, used that to make a credit application decision and did not give me full disclosure that my social security number/card was not being used as identifier but as a promissory note solely for the purposes of obtaining a loan.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: About a year ago, my credit card was maxed out and I proactively reached out to Discover and enrolled in a payment plan. I have since always paid at least the minimum payment due each month without fail. Unbeknownst to me, when I signed up for the plan, Discover 'suspended " my card and disallowed my available credit to change. During this 'suspension ' period, I lowered the total balance due from $ XXXX to ~ {$1300.00}. Also unbeknownst to me, Discover has been 'monitoring ' my credit reports and just a few days ago 'made the decision to close ' my account without any warning or deadline to pay the full balance. During the beginning of the pandemic, my income decreased significantly, but in the past few months my income has stabized and increased higher than it has ever been. I have reported the increase in pay to Discover and was planning to start making higher monthly payments. When I received notice from Discover of their plans to close my account, I immediately called the customer service department and inquired about the reason for the closure. The woman advised me that the decision has already been made and the card is already closed. There is nothing I can do. This is the shadiest practice I have ever been dealt from a credit card company. During a time when I reached out for help, they took advantage of me and closed my account without even a warning.
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2021-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I gave Authorization to XXXX by a signed notarized consent for CFPB to investigate my complaint. Authorization was mailed in and called in. I also attached a copy of my authorization with my complaint. I XXXX XXXX have contacted XXXX and Discover Card now for over an year to delete the following account and it has been refused to be deleted. I mailed a dispute for this same account more than XXXX times. I have submitted XXXX Affidavits. This information still remains on my credit report negatively affecting me from pursuing purchases or credit cards. For the following Identity theft Account. Discover was also notified. Im unable to apply for a Discover card due to this fraudulent account. XXXX XXXX XXXX XXXX ( {$1700.00} ) XXXX XXXX XXXX, XXXX, XXXX XXXX Opening date : XX/XX/2019 This is not mine. I am a victim of ID Theft
Company Response:
State: WI
Zip: 53202
Submitted Via: Web
Date Sent: 2021-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-20
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/XXXX at XXXX am I made an online order for pizza for around {$100.00}. Discover Card declined the transaction and made me 'verify ' the purchase through email. Discover is comprimising the security of my account making me unable to use my card for legal purchases without the use of the internet and a computer and an email or a telephone service. I have 60 days under XXXX XXXX XXXX Reform and Consumer Protection Act of XXXX to dispute a fraudelent credit card charge yet Discover requires me to reverify a purchase within XXXX seconds. It is an unfair burden of my time and resources to make transactions, further to use this card the consumer has to have access to expensive resources such as : internet, email, phone, from other parties not associated with the account and for which the consumer has no control over. Technology is supposed to make life easier, not more complicated. Computers are supposed to serve humanity, humans do not need to submit to robot masters or algorithms to interact with each other.
Company Response:
State: VA
Zip: 22310
Submitted Via: Web
Date Sent: 2021-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
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: I called XX/XX/XXXX to get my lost card .However, I talked to supervisor who decided they would help me with the removals of the late payments as we were talking she agreed to remove late payments of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. We talked about our kids our relationship with credit improvement and other potential good things coming up in our life XXXXShe told me she would transfer me to department to get them removed. She even told me it help boost my scores once they removed them. She told all they do was remove the late payments. Then once I transfer I told another story. Again I wasn't calling about late payments this agent wanted to help and told me they remove them. I was very upset I stayed on the phone with them for 3 hours got transfer 4 times and no results as promised. Then another supervisor told me file a complaint against the company so I am doing so now he said if I was his family member he file a dispute against them.
Company Response:
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A