Date Received: 2023-11-17
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I lived with someone for a year and a half. The person I lived with used my social, date of birth, and all of my personal information, including applying from my laptop, to obtain several vpcredit cards.
Company Response:
State: CA
Zip: 93420
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I missed one payment for the first time in my length of credit. In doing this I was working with my bank to figure out the best solution for some type of balance transfer. I was doing this because when making my monthly payment, it was only covering the interest not deducting anything else from account. After missing one payment I was getting phone calls from Discover once to twice a day and on weekends. I feel I was being harassed after one missed payment. I talked to 3 different people on the phone and no one could give me a clear answer about taking interest off if a payment was made. Could not also get an exact amount for what was owed on the card to do a total payoff. The bank ran my credit score for a balance transfer to their credit card. I'm dealing with all this in XXXX month my credit scored dropped over XXXX points and cost me a denial of a personal loan. I feel like this is terrible business practice and felt I got mistreated as a valued customer who has had this credit card for years and missed one payment.
Company Response:
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
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 had learned earlier this year that my identity had been stolen, after doing some research I determined that several transactions on my Discover Credit Card were fraudulent, I had never done business with this merchant before, and so I immediately reported it to Discovers Fraud unit. They filed the fraud claim and then provided provisional credit to my account. I had explained to them that I had several documents including Police reports and other evidence to back up my claim. They told me an investiagtor would be contacting me and at that time I could provide the documents or they would tell me where to go to upload them. Well I waited and waited then I finally get a call from someone claiming to be my investigator, she tells me that all of the fraud claims were going to be denied and explained that one of the reasons was that I had done business with the merchant previously. Well I had never done business with the merchant, ever, I explained this to her and she did not care, I also asked why no one had contacted me about the documents and police reports I have so they could review them. She had no answer or response. Normally a fraud investigator would contact you right away and want to review documents and any other evidence you may have to do a full investigation. She only called me one time, never asked for documents, and then gave a bunch of inaccurate/false reasons as to why the fraud claims were being denied. Then on top of all of this, the fraud department had mistakenly credited my card with too much money, no one told me, infact they told me many times on the phone that I could use the funds, that all of the funds from the fraud investigation had been transferred or added to the account and I was good go. Well once someone figured out their mistake they added another XXXX dollars in debit to my account! Just because they credited my account by mistake now I am liable for this error? My credit score has gone down almost 200 points because of this, I lost my job because of it. This has been an absolute nightmare! No matter what I do or how many times I explain this, no one will fix it!
Company Response:
State: TN
Zip: 38104
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Spam calls I was unaware were Discover bank since I already receive so many spam calls a day. Sent documentation to wrong address so I was unaware still. I am willing to pay back I just do not want civil suit. I was also hospitalized when the court papers were sent. I got out of treatment on XX/XX/2023. Im struggling mentally and financially and am looking for mercy on this.
Company Response:
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Discover turned my account over to collections/attorney and a garnishment was issued against my paycheck. No paperwork or calls were sent/made to me before I received the garnishment notice from my employer. Discover will not give us any information since this is with an attorney/collections. Charges were made in XXXX, judgement made in XXXX. Garnishments started in XXXX. At no time was I contacted or made aware of this process until I received the garnishment and I have been told nothing could be done since it was already filed and approved. We dispute the charges of XXXX and need help getting this resolved. Again, no notifications were received.
Company Response:
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I submitted valid and up-to-date information after my Discover It Card verification process. Much later, I received an email about possible account deactivation, stating that the information I was presumed to be incomplete, illegible, or invalid. I have been waiting to receive my card in the mail after having this card on file for months. After an email stating they " were unable to verify personal information on your account, '' Discover closed my account without further notice. Now, I am ineligible to apply for a new Discover IT or Discover credit card after talking to three different customer service and account support, and from what I was told, even with my reasoning, I am now being excluded from reapplying and being accepted in the future for a Discover Card for which I was previously accepted. Even though I paid off the card before each due date and correctly used it, overall, it increased my credit score. From what I had been told, this error was address-related. This is likely regarding me moving over the summer for work, as I had changed the address on the account. I even submitted the correct form verification I was sent, yet my account was still deactivated. Now, with this being an issue, it has the possibility of lowering my credit score and making it increasingly difficult to apply for different credit cards. As a college student building their credit, I am attempting to apply for new Discover Cards. However, due to a simple miscommunication, my applications are now not equally considered.
Company Response:
State: IL
Zip: 60126
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: XX/XX/XXXX I received my property tax information in the mail. On the tax information was included a line saying my mortgage company had requested this information. I checked online and Discover home loans had, again not updated the information sent to them and decided to pay the incorrect amount, which will in turn be sent back in a month to them. I faxed the information and also send the file over to the contact department that day. Discover has no record of either of these items yet I kept the copy of the fax being received. The problem is EVERYTHING that escrow is supposed to be paid is not paid by Discover in the right amount which I have to pay with my own funds and wait for a refund from Discover a month or two later. Discover has been doing this for the life of the loan. The fact that I send them the information and they ignore it makes me wonder how much interest they are making on other peoples money from their escrow accounts while the people have to take extra money out of their own accounts to pay the bills so they will not show up as delinquent. I am getting tired of losing interest and the headache of having to do this EVERYTIME insurance or Taxes are due. If the company can not do the job, they should not require escrow accounts so that homeowners can pay the bills themselves and not have to go through the headache and higher XXXX XXXX that comes with this.
Company Response:
State: CA
Zip: 936XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to 15 USC 1681 ( A ) : ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I never gave Discover Bank or any known affiliates the right or authorization to report the balance of any credit card in my possession onto my credit report. I disputed through XXXX on their online portal and was denied. Discover Bank is in direct violation of 15 USC 1681A by reporting this information to my credit report.
Company Response:
State: OK
Zip: 73064
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XX/XX/XXXX Discover Financial Services XXXX XXXX XXXX XXXX, DE XXXX Subject : Unethical Practices | Internal Blacklisting of Accounts Dear Discover Financial Services, I am writing to express my concerns regarding what I perceive as unethical practices within your organization, specifically related to unexpected and unfair account closures and the internal blacklisting of accounts with inaccurate derogatory notations. I have been a Discover Bank account holder since XXXX XXXX during which I was in the process of rebuilding my credit. My account was abruptly closed in XX/XX/XXXX under the pretext of an inability to verify my identification, despite my provision of the requested documentation. This closure was made with no opportunity for reconsideration or resolution. Fast forward to the present day ; I am still a Discover Bank customer, yet I am limited to banking services only. My attempts to prequalify for another Secured card account have been automatically denied due to an internal flag on my profile. The sole reason provided for this denial is " Status of Existing / Prior Discover Card Account. '' This issue is not unique to me. Since XXXX numerous customers have publicly reported similar experiences of unexpected account closures. There is a growing concern amongst former and existing customers about this particular issue. Furthermore, I have previously filed a formal complaint ( CFPB Complaint ID : XXXX ) against Discover Bank for similar unethical practices, which remains unresolved to date. In light of these issues, I am requesting the following : A comprehensive review and removal of the flag from my profile, allowing me to reapply for credit products without automatic denial. A manual review and/or reconsideration ( recon ) of the closed card account, focusing on the possibility of opening a new account, rather than necessarily reopening the old one. An explanation and review of the policies leading to such actions against customers. I look forward to your prompt response to these concerns and hope for an amicable resolution that reaffirms the trust in your services. I appreciate your efforts in addressing this matter. This letter will serve as documentation for the formal complaint to be filed against Discover. The complaints will remain active, and I will consider retracting them if Discover provides a fair resolution in an urgent manner. Regards,
Company Response:
State: TX
Zip: 77379
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: During my time in the hospital someone had stolen money from my account. Discover bank decided to only credit XXXX dollars and close out the XXXX and XXXX dollars that were also stolen from me. They were not responsive and i have submitted a refile of the dispute 3 times. They allowed someone to take all my money almost in 2 days and now are not providing any info or credits.
Company Response:
State: MD
Zip: 20906
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A