Date Received: 2021-11-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I contacted Discover Bank to dispute a {$25.00} fee that XXXX took from my account then lied to the CFPB and said they did not take it from my account for a NSF charge when the check had already cleared the bank! Complaint XXXX and my response to that complaint is below! Then the bank said they did pay it but I would be on hold for 45 min waiting to file the dispute or more! I told XXXX I could not wait as I work for the State of IL Dept of Employment and told XXXX her manager the same and asked them if they could file it for me as we are working 12 hour days and they only allow us two fifteen minute breaks a day and an hour lunch which I was calling on! So I am not able to call and sit on hold at any time and need to get the dispute filed, they would not do it and kept telling me to call back to XXXX. They will not listen. Please contact their corporate office and have them dispute and reverse the {$25.00} fee they paid to XXXX XXXX which was XXXX which was the fee they just told you they never received!! LIARS!!! I updated this complaint as well as the complaints I have filed with the FTC and the IL Attorney General with the letter I just received yesterday from these crooks all with screen shots for all transactions made on my account which show the exact dates and amount to taken from my checking account! The check was submitted XXXX times by XXXX XXXX Bank for XXXX XXXX and paid full on second attempt which is NOT and NSF! Then a week later these crooks stoled by ACH the {$25.00} fee for nothing! Yes they did get it my bank did not decline I have proof of all so do you as I sent all to your report fraud email address to give to you and so do the other regulators! I want my money back now or I will sue and for a whole lot more in fact! XXXX was sued by the FTC recently for the same fraud and had to pay billions as was XXXX XXXX, they have not learned and need to be shut down!
Company Response:
State: IL
Zip: 628XX
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: This is an escalation to the NUMEROUS billing errors and notices of dispute I have sent to DISCOVER FINANCIAL SERVICES since XXXX of this XXXX, which your organization failed to respond to.I am writing on my own behalf, with no help from anybody or anything but the law available to all people of these United States of America. I am well aware that my consumer rights have been and continue to be violated. From the start of the supposed business agreement, purported to be a contract, DISCOVER FINANCIAL SERVICES has engaged in fraudulent and abusive debt collection activities, infringing on my right to privacy and undermining my faith in the banking industry and economy as a whole, rights guaranteed to every consumer. Every credit sale after XX/XX/XXXX is subject to consumers ' claims and defenses for unfair or deceptive acts or practices pursuant to 16 CFR 433.3. The credit sale I engaged in with DISCOVER FINANCIAL SERVICES is no exception. Per the definitions in 16 CFR 433.1, DISCOVER FINANCIAL SERVICES is subject to consumers ' claims and defenses by way of being a seller. I, the consumer, was never apprised of the creditor 's business arrangement with the seller at the consummation of the original credit sale. Meaningful disclosure of the determination of the finance charge was not provided pursuant to the form of disclosure enumerated in 15 U.S. Code 1632. Documentary evidence shall reveal that my obligation was fulfilled upon signing/endorsing the instrument, the beneficial and security interest of which were not disclosed to me. As defined in 16 CFR 433.1 ( i ), the instrument I endorsed is the consumer credit contract when it was hypothecated and collateralized to fund the credit sale. Many instances of noncompliance occurred when it was subsequently sold and/or assigned to multiple transferees and/or assignees without mutual assent, consent, and notice to me as I have controlling security interest, constituting fraud in multiple ways : 1. Absence of consideration ( I received a " thought '' for my security- no benefit. All contracts must have consideration to be valid ). 2. Absence of disclosure of all facts regarding the use of a promissory note and my signature, violating the U.S. Code 's Truth in Lending Act ( TILA ) and Code of Federal Regulations ' Regulation Z. 3. Absence of disclosure of data-s haring provisions in violation of the Gramm-Leach-Bliley Act ( GLBA ), without the option to decline the sharing of data with furnishers, agencies, or servicers, along with reporting. 4. Monetization of the originating instrument was not disclosed to me. I was not told about the process to monetize a security interest or the secured transactions which were to subsequently take place concerning my chattel paper. 5. Denial of disclosure of the banks relationship to the " trustee and beneficiary, '' amounting to concealment and voidance of the contract. The debenture trustee was concealed from me. 6. I have reason to believe and do so believe that there was forged alteration of the original instrument because it could not have been monetized without augmenting my blank endorsement, even via the use of a special endorsement. 7. My accord and satisfaction instrument, USPS Postal Money Order # XXXX, was cashed ( see attached exhibit ) and the balance was not credited to the account pursuant to UCC 3-603 and UCC 3-311 . A formal notice of dishonor was not issued to me in the event of a defect or dishonor of my special indorsement. I am aware that I am entitled to a refund of alleged repayments and damages of at least twice the finance charge for the violation of 15 U.S. Code 1635 due to my right of rescission never being boldly, simply, and clearly disclosed to me. I was never given a rescission form at the closing of the contract. I have reason to believe and do so believe that DISCOVER FINANCIAL SERVICES is a creditor engaged in communication in violation of multiple cease and desist notices from me, and is in violation of debt collection consumer protection laws pursuant to 15 U.S. Code 1692c ( a ) ( 1 ) and 15 U.S. Code 1692c ( a ) ( 3 ). As the consumer, I am aware of the definition in 15 U.S. Code 1692a ( 6 ) that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts. '' I have never given express consent to DISCOVER FINANCIAL SERVICES to communicate with me for the purpose of debt collection, thereby violating 15 U.S. Code 1692c at large. DISCOVER FINANCIAL SERVICES has violated 15 U.S. Code 1692c ( b ) by sharing my personal private information, including location information with consumer reporting agencies. I do not give DISCOVER FINANCIAL SERVICES or any party permission to bring legal action against I, the consumer, as this would be a violation of 15 USC 1692i ( b ). DISCOVER FINANCIAL SERVICES have furnished deceptive forms to instill in the consumer the belief in the consumer that a debt is owed, in violation of 15 U.S. Code 1692j. I consider every word that DISCOVER FINANCIAL SERVICES have uttered in connection with debt collection to be obscene and profane language in violation of 15 U.S. Code 1692d ( 2 ).
Company Response:
State: CO
Zip: 80031
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I called Discover to apply for a home equity line of credit. The representative asked for my name, social security, home address and the value of my home. Which I provided. The she asked me for my race and gender which I reluctantly provided. I informed her that the value of my home was between {$370000.00}. After providing my information she put me on hold. Then moments later she returned and told me my loan application was denied. She alleged that my home was valued {$340000.00}. I informed her that the value she quoted was wrong. I then disclosed that I had two certified appraisals with my home valued at {$370000.00}. She put me on hold then when she came back on the phone. She stated that Discover policy states all appraisals for the State of Texas have to be done from inside the home. I then asked her why she had not adhered to Discover Policy. Her response was vague at best. Then she continued by telling me that I wont qualify because my debt to income ratio was too high and that she would have to deny my application. She made mention of a XXXX loan that was on my credit. She continued that my income to debt ratio was over by about {$40000.00}. I informed her that the XXXX loan had been paid off and asked if she would be willing to put my application on hold to give me time to submit supporting documents from XXXX. I also asked her if paying off my house which would better my chances. She stated that paying off my house was no guarantee for approval. I then asked if she could place my application on pending status to give me time to submit proof of payment from XXXX. She refused insisting that application would have to be denied. I asked to speak to her supervisor. When they supervisor came on the line. I informed him that I needed time to provide the XXXX document and all the other documents which I knew would be needed to complete my application. I suggested that I can provide the XXXX documents along with other documents ( paystubs, home mortgage, insurance ) which are the norm for all home loans. The supervisor agreed. When I informed the supervisor that I was uncomfortable working with the representative who transferred me to him. The supervisor glossed over my discomfort as a mistake. I informed him that it almost seems like the representative 's knee jerk reaction was to deny my application without do her due diligence. I asked the supervisor if it was Discover policy to deny an application from the State of Texas without an interior appraisal he replied no. I then asked him why my application had been denied prematurely he didn't have an answer and repeatedly tries glossing over my concerns as a big misunderstanding. I then informed the supervisor that it seems applications from people like me were not welcomed. I informed him that I thought such biased, prejudicial practices were ancient. I then asked for my application to be withdrawn. I also demanded that the hard inquiry that Discover had placed on my credit report be removed immediately. He indicated that I provided verbal consent for my credit to be pulled. I responded by telling him that I provided consent to be treated fairly not to be denied even before my application was complete.
Company Response:
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-31
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 am hoping you can help assist me in recouping my funds from XXXX XXXX / Discover. Please note we never received any product or service from the seller, the order was canceled and the seller was to refund the full amount less the restocking fee. As far as I understand it, the seller never purchased the unit and has stated the refund was returned to Discover and XXXX XXXX shows no transfer back to Discover or to my account. We had a 3 way call with Discover and XXXX and at the time Discover had not ruled in any one 's favor. XXXX advised they had ruled in ours, but because we we had a dispute with Discover they were unable to continue the dispute and canceled it. This has been on going since XXXX and we have not been able to get a resolution yet. We were told that Discover came to the conclusion on their part XXXX should refund {$200.00} for a restocking fee to seller XXXX XXXX XXXX XXXX and the remainder of {$4400.00} to have a check written to us. Full amount of the payment was {$4600.00}. XXXX stated ( Discover rep and myself in a conference call ) that they returned all the money to Discover on XX/XX/XXXX, and they no longer have our money and that Discover has it and needed to disburse it back to the card balance. We were advised that Discover had not received the funds and that XXXX had sent the funds to the Seller. In speaking with the seller they advised their bank is still in deficit the full amount. I am attaching documentation from Discover, as well as the conversation between XXXX XXXX XXXX XXXX and I. Any help with this would be very much appreciated as we have gone back and forth with all parties involved and can not seem to get a valid resolution and we are paying on something we never received. If you have any questions or need clarification on anything please reach out to me to discuss further.
Company Response:
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2021-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I would like to report a possible violation of the Fair Credit Billing Act by Discover Bank, with respect to its recent reporting of my account being 30-days past due, despite the fact that the balance, previously XXXX, accrued a balance on the basis of transactions ( and associated fees ) that have now been determined to be fraudulent. Subsequent to the identification of this unauthorized activity on XX/XX/2021, the charges and fees have been appropriately credited back to me, leaving the balance again at XXXX ( in the absence of any payments by me over this time ). Therefore, obviously the account would never have been late, if not for the fraudulent use of the card. I have voiced my concerns on this reporting matter several times to Discover specialists, both on XX/XX/2021 and on XX/XX/2021. I have been assured the credit report entry will be correctly re-entered, but as this has not occurred yet, I am concerned as to whether this situation will need to be escalated to achieve the outcome I was promised. I see no evidence from my recent review of my credit report, or in discussions with the Company, that this data has been corrected as of yet. The original reporting of this lateness has had a catastrophic impact on my credit score, causing it to immediately crash by 96 points. In these challenging economic times, it can not be overstated the potential impact of this outcome to my finances. As it is based on an inaccuracy, it needs to be corrected immediately by Discover.
Company Response:
State: NJ
Zip: 08816
Submitted Via: Web
Date Sent: 2021-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Notice, I have reason to believe and do so believe that DISCOVER and anyone from the CFPB needs to respond to this affidavit POINT for POINT so reasonable rebuttal and sign under penalty of perjury that debt exceeds the amount of credit on this account that was created from MY original endorsement ; and notice again review all journal and ledger entries and please supply evidence showing cause that debt exceeds the amount of credit so be it all from the CFPB XXXX XXXX, XXXX XXXX, XXXX XXXX, and all from DISCOVER XXXX XXXX XXXX shall respond within the next 10 days as this matter has been ongoing for over 110 days. Notice, I have reason to believe and do so believe it would be impossible for DISCOVER to be the first creditor if i never signed as an endorser and gave my extension of credit.
Company Response:
State: CA
Zip: 92374
Submitted Via: Web
Date Sent: 2021-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX I just received the report sent to us by Discover about their findings which are completely irrelevant from my previous complaint. It broke down everything from the payments we made to the disputes/fraud charges with XXXX. We made payments during the fraud/dispute charges because we had previous purchases that we had made on our discover card that we were trying to pay off. That is the only reason we made those payments. We did not discover the XXXX charges until we received our bill in XXXX in which we called discover and my husband called XXXX about this. When XXXX would not call us back that was when we kept calling discover. We did billing disputes first because we were not sure what to do since this had never happened before. We were then told by the billing department that we needed to do fraud charges. I added my husband as a user in order for him to bring his credit score up for when we build a house. His credit card through XXXX XXXX was also hacked and his account through them is currently closed because of this. I have new findings that show there was XXXX deposited and XXXX withdrawn. I wish we had this money, but obviously we don't because we did not do this. If we did obviously this would be paid off and wouldn't be an issue. It also shows a credit card listed on his XXXX account ending in XXXX. We do not own a card ending in these 4 numbers. My guess as to what happened is whoever hacked my husband 's account withdrew the winnings to his XXXX XXXX account then to the credit card ending in XXXX. This shows that this was fraud. I am going to upload the new finding documentation below. I am not paying this amount of XXXX that us currently on my discover card because they are fraud charges. When my husband first opened his XXXX account he did sports betting only and hasn't done that since XXXX. He did upload his winnings then to his XXXX XXXX account ending in XXXX. He has not used his account since XXXX and since all of this has happened he has closed his XXXX account-to where he can't do anything, and his XXXX XXXX account.
Company Response:
State: PA
Zip: 17044
Submitted Via: Web
Date Sent: 2021-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I have been an outstanding customer and absolutely enjoy my Discover Card. However this year and last year have been incredibly difficult as I know it has been with everyone. I am a XXXX XXXX and in XX/XX/2021 caught XXXX XXXX and I missed my XX/XX/2021 payment. The next month my husband and I brought the account current and worked very hard to stay on top of everything. However in XX/XX/2021 my husband lost his father due to XXXX XXXX. The unexpected funeral costs impacted my family heavily. I have been working extremely hard to keep my good payment history and account in good standing. I called the customer service phone number on XX/XX/2021 to ask if a one time goodwill exception for the late payment in XX/XX/2021 could be removed from my credit reports due to XX/XX/XXXX and how it has effected my family this year and I was given incorrect information and the lady was not very nice or helpful at all. Not knowing who to call or my next direction as it relates to this matter this was the only place I went to for my next step. I am trying very hard to move into a new home and start fresh and leave the grief behind. My husband is currently working three jobs right now to pay off my balance and we have a scheduled payment in the system to do just that on XX/XX/2021. I know these last two years have impacted everyone. But I am just trying to keep my good payment history and status with my Discover card in good standing.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I have been an outstanding customer and absolutely enjoy my Discover Card. However this year and last year have been incredibly difficult as I know it has been with everyone. My wife is a XXXX XXXX and in XXXX of 2021 caught XXXX XXXX and I missed my XX/XX/2021 payment. The next month I brought my account current and worked very hard to stay on top of everything and in XX/XX/2021 I lost my father due to XXXX XXXX. The unexpected funeral costs impacted my family heavily. I have been working extremely hard to keep my good payment history and account in good standing. I called the customer service phone number on XX/XX/2021 to ask if a one time goodwill exception for the late payment in XX/XX/2021 could be removed from my credit reports due to XXXX and how it has effected my family this year and I was given incorrect information and the lady was not very nice or helpful at all. Not knowing who to call or my next direction as it relates to this matter this was the only place I went to for my next step. I am trying very hard to move into a new home and start fresh and leave the grief behind. I am working XXXX jobs right now to pay off my balance and I know these last two years have impacted everyone. But I am just trying to keep my good payment history and status with my Discover card in good standing.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you claim I owe. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Additionally, please be advised if XXXX XXXX XXXX XXXX XXXX has or continues to report invalidated information to any of the three major credit agencies ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. As such, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for violating the FDCPA and defamation of character.
Company Response:
State: IL
Zip: 60473
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A