Date Received: 2023-11-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Not my accoun, identitify theft victim. Stolen card an phone. XXXX XXXX XXXX
Company Response:
State: CO
Zip: 800XX
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I opened a new first card with Discover only to have them restrict my ability to pay my balance. Its a prepaid SECURED card with a {$500.00} deposit and credit limit. The current balance owed to me is {$500.00} minus {$310.00} which is {$180.00}. My earned cash back bonus is {$31.00}. Discover revoked my personal bank account as a payment option and did not explain why. They blamed 'issues with the website ' but that can not be taken at face value. I decided to close my account because of the hassle and they are making me wait on hold inexplicably in order to do so, they dont provide an option to close the account online, they limit the number of payments you can make within an arbitrary timeframe through various means, and they tired to get me out of an additional entire " balance '' payment over the phone. There is no option to close the account online and the wait time in total was over XXXX minutes. I am requesting the CFPB monitor this corporation very closely and forward this complaint to them, Discover, in case I need to take a trip to Maryland where they are based and speak to them in person, so you can update this complaint in the future. These excuses Discover gave me could easily be a customer harassments technique but if Discover does not close my account with them, assess no fees, and does not live up the exact words of their phone conversation I will be paying them a special visit in court or in their face. Ive been meaning to travel to the DC area. XXXX. No confirmation number provided for account closure of phone call made today at XXXX XXXX. Rep says they 'dont give them ' XXXX. Representative said they would send letter out with confirmation of account closure XXXX. The representative said there are XXXX people who handle account closures so I asked why their Interactive voice system forwarded my call to him in particular when he said he would have to forward my call to another department after waiting on hold, then he revealed that he could indeed close the account himself. XXXX. The company said XXXX calls are recorded ' 7 days to get balance of {$180.00} is what the rep said. this is by mail. XXXX billing cycles XXXX days to get {$31.00} 'cashback ' by mail.
Company Response:
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Discover Bank illegally and incorrectly reported several payments as late. As per the terms of the XXXX XXXX, their representatives misadvised that I would only be eligible to receive any payment relief/assistance programs/offers if I showed signs of hardship ( Missed Payments ) despite my reaching out to them ahead of being late on any payments to let them know that financial hardship was on the horizon. Under the sanctions of the XXXX XXXX, this is seen as any solution as misconduct, misinformation and unethical behavior.
Company Response:
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Trying to communicate with the company to fix an issue with the application process
Consumer Complaint: On or about XX/XX/2023 my wife and I began a home equity loan process with Discover Home Loans and were approved. We were going through the process submitting requested documents. On XX/XX/2023 senior loan processor XXXX XXXX XXXX XXXX XXXX ) stated that she needed me to contact my home owners insurance and add them as a XXXX XXXX holder. She specifically stated it could not be an insurance binder. They needed to actually be on the policy now. I contacted my insurance agent and he provided me with a binder. He stated that he could not add them until the loan was completely approved and closing paperwork was signed. He told me if the binder wasnt sufficient that they could call him and hed work with them on something that would work. My insurance agent called me a couple days later and stated that XXXX had just contacted him and she was trying to get him to add Discover on the policy. When he informed them that he wasnt allowed to do that, she got very inappropriate and began accusing him of fraud. He told me that he did not appreciate being treated that way and would not longer be working with them. I called Discover and they informed me that we wouldnt be able to proceed with the loan unless they were added now. Due to needing the loan, I then called the insurance company directly and added them. The loan process proceeded. On XX/XX/2023 I received an email stating that my loan was now denied and that my loan agent would be contacting me. I called Discover and my loan agent wasnt available so I spoke to another agent. She told me that my house didnt qualify for the loan due to having multiple buildings on my property. This didnt make sense because its a full house, a separate guest house and bath house and a garage. She told me it didnt qualify. I asked if they were going to take themselves off of my home insurance. She stated that XXXX had. I then emailed my loan agent, XXXX XXXX, and asked him to call me when he was available. As of XXXX, XX/XX/2023, I have not heard from him. I contacted my home insurance and they stated that Discover was still on the policy. Discover did not contact them to be removed. I explained that the loan never went through and asked that they be removed. At the beginning of each time I spoke to Discover they informed me that the calls were being recorded. So it is all documented on their side. This was a horrible experience and they missed out on customers with great credit scores.
Company Response:
State: WA
Zip: 991XX
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
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, I scheduled a procedure and paid in full. On XX/XX/XXXX, The XXXX center informed they could not perform my procedure for medical issues ( XXXX XXXX ), and to request a refund in the portal/ I spoke with them advising them that they may have misread my results, but I would request refund, per their instruction. On XX/XX/XXXX ( immediately in their system ), they denied my request, although they informed me to request the refund. I contacted Discover informing them of the incident requesting to reverse the charge as services were not rendered. Discovered denied my request indicating the procedure was cancelled within 30 days, which was false. My procedure was shceduled on XX/XX/XXXX, I requested the refund on XX/XX/XXXX per their request. In good faith, I tried working with the company and rescheduled the procedure for XX/XX/XXXX. On XX/XX/XXXX I called to verify I was clear for XXXX before I flew to FL and was told yes, all prerequisites were met. On XX/XX/XXXX, I arrived in Florida on XX/XX/XXXX, did the pre-op visit on XX/XX/XXXX and arrived on XX/XX/XXXX for the procedure. On XX/XX/XXXX, I was told that no surgeon could/would perform my procedure due to XXXX XXXX found in XXXX ( XXXX issues ), and to again request a refund, which I did while I was in their office. On XX/XX/XXXX, they again denied my refund immediatley in their portal. Note : This is after I paid for flights, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was laughed at by the staff who told me no way I was getting my money back, although they could not medically perform the procedure. They told me that Discover was on their side although I followed all their procedure. I called multiple times and kept getting hung up on ( calls recorded, emails sent and text messages available as proof of all attempts ).
Company Response:
State: TN
Zip: 37040
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: 1. Discover Credit Card- $ XXXX XXXX XXXX XXXX {$280.00} ( collection company ) 2. Discover card response this credit card was opened, delivered XXXX XXXX. 3. I reported Identity theft to 'Federal Trade Commission ', 'Consumer Finance Protection Bureau ' and 'Local Police Station- Sheriff 's Office ' 4 . Discover card, XXXX XXXXXXXX XXXX denied my request that I am not in any relation with these company accounts and removed and deleted accounts on my personal credit file. 5. Discover card response card delivered address is verified with my public record and my email and phone number used to open this credit card. *** My personal information was exposed due to the " XXXX XXXX XXXX XXXX ''. This is why someone can use my personal information but card delivered address is never associated with me. This is a key point the card delivered address was not cleared proof and the Discover Card only mentioned that address stated my public record. " MY PERSONAL INFORMATION EXPOSED BECAUSE XXXX XXXX XXXX XXXX '' 6. I submitted and provided all Identity Theft reports to Discover Card but they ignored them. 7. Discover Card and XXXX XXXX XXXX THREATENED ME, they will keep filing this account to my credit bureau until I cancel my dispute request for this account myself.
Company Response:
State: CA
Zip: 913XX
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was advised my social security number and other financial information was leaked through the XXXX data breech. Ever since then, most of my banks end up with unrecognized charges. Someone is fraudulently accessing my accounts and doing major damage to me financially. My discover checking has more unauthorized transactions than I can count and my XXXX was also hacked. XXXX XXXX sent me $ XXXX worth of payments but I didnt receive the first two, ( {$4000.00} & {$8400.00} ). Those two were stolen by a XXXX XXXX sent numerous emails and calls to XXXX and XXXX and I still havent got my money. You can see in the XXXX photos uploaded there is the name XXXX XXXX listed at the top of the notifications. This individual added my phone and email to her account so she could reroute my funds into XXXX account. XXXX advised my insurance company to take action and they have dropped the ball claiming that when they contact the issuing bank, which is XXXX XXXX XXXX for XXXX XXXX XXXX XXXXXXXX does not give them any access to the insurance companies financial information however, I have a document from XXXX instructing XXXX XXXX XXXX to take action, and to dispute the first two payments and question and XXXX would voluntarily without any issue. Go ahead and Refund those payments and send them to me, however, travelers insurance claims that their bank does not give them the option to do so If somebody could hold XXXX responsible and demand that they resend the {$12000.00}, I would be satisfied with XXXX, however, Discover, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX all have outstanding balances
Company Response:
State: KS
Zip: 66212
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
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 decided to go to XXXX XXXX shop in XXXX XXXX for an issue i had with my car overheating. they held my car there for 2 weeks, and when i got my car back i had to pay XXXX dollars out of pocket and my dad paid XXXX with a total of XXXX in payment. leaving the lot i realized my car not only was overheating still, but my engine light turned on along with the AC not working. i tried calling back they answered and when they said theyd call me back they never did. they arent trying to give me a refund and when i called discover to dispute this, they proceeded to tell me time and time again they couldnt help me because service was provided but it wasnt. because my car isnt fixed and they wont give me a refund.
Company Response:
State: FL
Zip: 33543
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Discover aka XXXX has violated savings account laws by not disclosing publicly the data breach that occurred resulting in individuals accounts being charged without their consent
Company Response:
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Account XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. I ask to verify the debt XXXX didn't do any investigation on my behalf they also gave out my addresses to the company. My right been violated 15 U.s code 1692 the not helping creditors they selling my information to the company that owes the debt lying not providing details on the contract or verifying the debt above on my account.
Company Response:
State: CA
Zip: 90302
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A