Date Received: 2021-10-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was retreated extremely unfairly by Discover Card and one of their representatives. After XXXX on XX/XX/XXXX, my entire wallet went missing from my purse while I was out with friends. Inside of my wallet, I had my Discover Card, XXXX XXXX, an old school ID, my driver 's license, my insurance cards, my XXXX debit card ( which wasn't activated ). I also had a metrocard in there, along with some business cards and some receipts. On XX/XX/XXXX at XXXX, I received a fraud alert from XXXX XXXX a charge of {$920.00} was attempted on my account at a money transferring service called " XXXX XXXX XXXX '' - I immediately reported it fraud and checked on my Discover Card as well. Sure enough, there is a temp auth of the same mount, {$920.00} on my Discover card. I immediately logged into my Discover account via the mobile app to freeze the account so that the perp can not make any more charges and called Discover Card. I was on hold for a very very very long time before getting someone - I would say 40 minutes or so. When I finally got someone they told me I wasn't liable for the charge- whew! On XX/XX/XXXX, I looked at the Discover statement, and the charge was back on my account! I called them and spoke with a " securities '' rep. She berated me and basically told me that they have determined that this was not fraud, that the merchant supplied my phone number and email address, and questioned me in a condescending tone, " well, if you didn't make this charge, then how could they have your email and phone number?? '' I was shell shocked at that moment! I felt violated both by the perp having access to my personal information and also feeling like I was being interrogated by my own bank representative. She also questioned why I didn't file a police report, and that this whole thing seems odd and suspicious coming from my end. In retrospect, YOU are the fraud department - YOU TELL ME how the perp got my personal info!! Discover rep also questioned why it took me over 30 minutes between freezing my account online and reporting this fraud -- really??? If you didn't have that hold time, I wouldn't need to have waited over 30 minutes! I alerted Discover of this IMMEDIATELY hoping they would block the charge from coming in and was on hold! I have been a Discover card customer since XXXX - for 17 years! I believe I had this particular card since XXXX. I also have a savings account, checking account, a CD and an IRA with them. For a loyal customer of 17 years who has never filed fraud before, this is how they MISTREATED me. The Discover rep also told me that they sent letters to me during their " investigation '' - I never received a single letter of trying to get in touch with me. However, despite not receiving any letter regarding the investigation, I sure received a letter about closing my complaint that says " Upon reviewing the facts of the case, it has been determined that no fraud occurred on your account. You will be responsible for the entire balance on the account ''
Company Response:
State: NY
Zip: 10012
Submitted Via: Web
Date Sent: 2021-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Discover Financial decided to close my account and when I had regularly posted payments on time for years. I feel I have been discriminated against and that its against the law of 15USC ss1666. I told them I lost my job in 2020 and got set on a payment plan well when Ive started working again they just closed the account and they refuse to reopen it. This is negatively impacting my credit score.
Company Response:
State: OH
Zip: 435XX
Submitted Via: Web
Date Sent: 2021-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a credit card with Discover card services and I requested a credit line increase 0n XXXX, I was shocked when they denied me because I have excellent credit. I waited for denial letter which states they received report from XXXX. All of the information is wrong I immediately called XXXX, XXXX rep told me Discover has not checked my credit and that my last inquiry was in XXXX and not from discover card. XXXX told me to call them when I called they are denying it and claim they got information from XXXX. Not sure where discover card received their information from because I have no inquiries on my XXXX report from them. The information they are providing me is completely wrong, I have NO outstanding balances on any of my credit cards, my credit rating Is exceptional and very good.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX , DC XXXX Ref : XX/XX/XXXX Discover Card Charge to XXXX XXXX # XXXX i/a/o {$700.00} ref Complaint # XXXX Dear XXXX XXXX : I am disappointed that Discover Financial Services, Inc. upheld the charge for the above captioned charge. 1. Check-In-Details a. Host states Renters check in on XX/XX/XXXX. This is not correct. b. Renters contact both the Host and XXXX on XX/XX/XXXX via phone. The call was to state the property description was inaccurate. c. Renters never stayed at the property nor received any value for the disputed charge. 2. Cardholder has not received advisement or promise of credit directly from XXXX. a. This is incorrect. Cardholder contacted both Host and XXXX on XX/XX/XXXX. Host stated credit was the responsibility of XXXX and XXXX stated responsibility was the Host. b. XXXX Cancelation Policy, dated XX/XX/XXXX, and obtained via XXXX web site states 4. Minimum Quality Standards, Host Responsibilities and Reimbursement to Guest 4.1 If you are a Host, you are responsible for ensuring that the Accommodations you list on the XXXX Platform are accessible, adequately and accurately described in the Listing description, safe and clean, and do not present a Guest with Travel Issues. c. Prior supporting documentation clearly show the property was not described accurately on the XXXX website. The Host admitted via the two phones calls with the Cardholder on XX/XX/XXXX that the property was in a working class neighborhood and that no photographs of the outside of property were listed on the site. However, the property is listed as a resort property. Again, photographs submitted to Discover by the Cardholder on XX/XX/XXXX show the property is not a resort and further submission of recent crimes in the area ( not disclosed by Host ) affirm the property description was inaccurate. 3. XXXX Cancellation Policy was provided to Cardholder in electronic delivery at reservation. a. This is incorrect. cardholder was not permitted time to review the policy and reserves the right to determine if delivery of such policy is recognized as legal notification by the XXXX of Virginia, State of Ohio as well as federal statutes. b. However, the policy again states that if the property was not accurately described XXXX and Host are required to provide a refund or substitute property mutually agreed upon be the Renter. c. Neither XXXX nor the Host provided this option when contacted XXXX 4. Customer has been an XXXX member for XXXX ( XXXX ) years and accepted the XXXX Terms of Service. a. This is incorrect. Customer has not ever been a member and has never received XXXX Terms of Service agreement. This includes the Cancelation Policy. b. Cardholder failed to contact customer service. i. This is incorrect. Cardholder contacted Host, XXXX and Discover on XX/XX/XXXX. Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX Discover Financial Services , Inc.
Company Response:
State: OH
Zip: 44236
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Discover Financial Services open an account by extending my open credit line not by actually lending me money and then turn around and tried to make me pay on a debt I technically lent myself. I sent the CEO and company an affidavit of truth stating all the federal codes and laws they broke, a cease & desist, and a bill of particulars with certified mail on XX/XX/2021 from XXXX XXXX XXXX XXXX in XXXX, Az they never responded to any of it. I then sent out another Affidavit, cease & desist, and bill of particulars with resisted mail On XX/XX/2021 and they still never responded. My account balance is {$1700.00}. I called them today XX/XX/2021 and they informed me that my account was closed but I haven't even missed a payment while going through this administrative process with them, and according to 15 USC 1691 ( a ) that is another violation
Company Response:
State: OH
Zip: 43609
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
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: Discover was given the tracking number in a dispute I opened with them -- they seem to be siding with XXXX who I also filed a complaint on with another agency for how they stated that they handed to me an order when in reality it was refused for being late. I never got the package - never opened it etc, and XXXX knows that but is lying to Discover. Discover could EASILY look at This is what XXXX says Order placed XX/XX/2021 Total {$22.00} Ship to XXXX XXXX XXXX Order # XXXX View order details View invoice Delivered XX/XX/XXXX Your package was delivered. It was handed directly to a resident. But the tracking number is Shipped with USPS Tracking ID : XXXX And if DISCOVER was to simply put it into USPS tracking ( not that hard just pop in usps track a package into XXXX -- they would see this : XX/XX/2021, XXXX XXXX Return to Sender XXXX XXXX, MA XXXX Your item was returned to the sender on XX/XX/2021 at XXXX XXXX in XXXX XXXX, MA XXXX because it could not be delivered as addressed. XX/XX/2021, XXXX XXXX Refused NORTH XXXX, MA XXXX So it could not be handed to me on the XXXX like XXXX says DISCOVER because it is in the USPS 's possession going back to the original sender. So if I don't have it and you can see that then I expect the credit of XXXX because you and XXXX are incompetent! You have issues you and XXXX take that up with the USPS not me who never even got it handed to me as XXXX lies to you and you are just as stupid to believe them.
Company Response:
State: MA
Zip: 02760
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Early XXXX I fell victim to identity theft. The people now have a picture of my drivers license and SSN. XX/XX/XXXX I saw an inquiry on my XXXX XXXX app to Discover Credit Card that was not made by me. I called Discover to dispute this inquiry, but it leads me to an automated system that just asks if I would like to create an account and apply for a credit card. I then tried to dispute the inquiry with both XXXX and XXXX. XXXX states they need an FTC documentation in order to process my dispute. My credit report dropped significantly due to this inquiry.
Company Response:
State: NM
Zip: 87123
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had an amount for {$570.00} that was due on my credit card ( discover ) that I was trying to get paid on the XXXX of XXXX but I was unaware that the payment was attempting to come out of my savings and not checking. So due to this issue it caused my card to be put under a late payment when in actuality I was trying to get it paid before the due date and statement date. I called my bank, credit card and tried to dispute it thru the credit bureau.
Company Response:
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I lost my brother due to a murder and I got behind on my cc bills but since then I have paid off all my debt and Discover continues to try and keep me from moving on with my life. This has been more than ten years and they continue to have it listed as a derogatory mark against me on my account that it is affecting me from getting a better house and a better house which is costing me thousands in interest e every year due to this hardship that I have been trying to rectify the last 15 years of my life and it continues to linger on my credit report as a sore to remind me that even though I have made the payment it shouldve been removed after 10 plus years because this is obsessive and unreasonable
Company Response:
State: OK
Zip: 741XX
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Im aware that DISCOVER has closed my account and from what federal laws states in 15 USC 6801S-2 ( 4 ) ( 7 ) If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 15 USC 1681a ( p ) of this title furnishes negative/closed information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative/closed information, in writing, to the customer. As a natural person and consumer clearly, Ive been abused by your corporation. I found out my account was closed through third-party companies which is a violation. I didnt give your company permission to close my account or expose my privacy. Since closed my account please send my rescission forms for my remedy and Im demanding you to remove this closed account from all three of my consumer reports from all three consumer agencies.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A