Date Received: 2021-09-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Discover knowingly closed this account because they know it was fraudulent this is not my account and I contacted them numerous times about this
Company Response:
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Our credit card was used for fraud charges through XXXX from the end of XXXX through XXXX.We started out as disputing the charges with discover card then we were told by discover that we had to go through the fraud department. My husband had an account through XXXX, where he did sports betting a few times, but that was it. My husband 's discover card and his XXXX XXXX card got compromised through his XXXX account and our discover card got charged over {$5800.00}. We tried to call XXXX with no response so we continued working with discover. We started the disputes in the beginning of XXXX for all of the charges from XXXX to then be told that we had to go through the fraud department. We filed through the fraud department in XXXX after 2 months of this going on with discover. We were told we had to go through XXXX. We were told it was not fraud the end of XXXX because my husband had an account with XXXX. Why do we have 24 hour protection? Just because someone has an account doesn't mean someone can't hack into your credit card. We continued disputing with discover for over a month going back and forth and being told it was not fraud but they were going to continue to investigate. At the beginning of XXXX we called for the 5th time in over a month to discover and were told that they did not investigate all of the {$5800.00} that they were told to investigate and they were going to look into it more. They put a hold ion our account for the transactions and did not make us pay anything after being on the phone with them for 3 hours. They told us we had a credit for XXXX and something they were putting on our account for some of the XXXX charges from the billing department, to later be told the middle of XXXX that it once again wasn't fraud because my husband had an account. The billing department said they found a lot of the charges in our favor and said that XXXX did not answer a lot of the disputes and this was why. It all came from the same account that my husband had through XXXX where he was hacked. Shouldn't all of the charges be forgiven then? We have called 3 times after this and have not paid our payment that was due XX/XX/XXXX and we are not paying anything until this is resolved. There are still {$1900.00} charges that are fraud on our discover credit card that discover is refusing to do anything about and is telling us we need new evidence to open up the case again and have to go through XXXX. I'm tired of dealing with this because it has been ongoing since XXXX and discover has not been any help. We are supposed to have 24 hour fraud protection and just because someone has an account doesn't mean they can't get hacked ; it happens everywhere all the time. If you could be of any help it would be greatly appreciated. After this mess is over with we are cancelling our discover card because of the way we were treated and we will not recommend them to any one again.
Company Response:
State: PA
Zip: 17044
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I subscribe to XXXX XXXX and XXXX XXXX to monitor my credit resport. I noticed a hard inquiry dated XX/XX/21 from Discover. This was not something of my doing. I contacted all 3 credit agencies and file and report in addition to calling Discover which they said they have no record of anything processed. How coild that be true if it clearly stated that my info has been ran. XXXX dispute file # XXXX XXXX dispute file # XXXX XXXX dospute file # XXXX XXXX is requesting a copy of the ftc dispute report to be faxed to them at XXXX
Company Response:
State: MO
Zip: 64030
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: ALLEGEDLY FROM SPECIAL ACCOMODATIONS AGENT FOR DISCOVER. ( STATEMENT BELOW ) Dear XXXX XXXX XXXX, We are in receipt of your recent correspondence to the Consumer Financial Protection Bureau. To ensure your concerns are properly addressed, your correspondence has been forwarded to my attention at the Executive Office of Customer Advocacy within Discover. We appreciate you bringing your concerns to our attention regarding the status and verification process of your above referenced Discover card account. Discover conducts regular reviews to evaluate our customers accounts. On XX/XX/XXXX, a transaction authorizations hold was placed on your account and our Customer Protection Services department emailed you an Internal Revenue Service Income Verification 4506 form and the process for its completion and review. On XX/XX/XXXX, the Internal Revenue Service rejected the 4506 form. In an effort to assist you regarding this matter, on XX/XX/XXXX, an Enhanced Verification Notarized form was sent to you via email in order to complete the verification process. Please note, this form with all required steps and requested documentation including the completed 4506 form and 3 most recent months of bank statements, must be uploaded at XXXX, faxed to ( XXXX ) XXXX, or mailed and postmarked to Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX, by XX/XX/XXXX, otherwise your account will be closed to further transactions. I have also enclosed a copy of the Enhanced Verification Notarized form for your reference. We regret any inconvenience this matter may have caused you, and we have forwarded your concerns and experience as you have detailed in your correspondence to the CFPB to leadership in the appropriate area. Thank you for allowing me the opportunity to be of service. If you require additional assistance in this regard, please feel free to contact me at ( XXXX ) XXXX, Monday through Friday, from XXXX XXXX. to XXXX XXXX., ET. Sincerely, XXXX XXXX. Executive Office of Customer Advocacy Enclosure CC : Consumer Financial Protection Bureau XXXX XXXX Response Internal Revenue Service Income Verification 4506 form I HAVE FILLED THIS FORM OUT TWICE AND SUBMITTED IT. FILLED IT OUT AS HILIGHTED. SUBMITTED PROOF OF FILLING IT OUT AND SUBMITTING IT. I HAVE NOT FILED TAXES SINCE XX/XX/XXXX I KEEP TELLING YOU THAT. YET YOU KEEP DEMANDING THE Internal Revenue Service Income Verification 4506 form TO BE FILLED OUT THEN HAVE MADE INACCURATE STATEMENTS IN WRITING THAT I DIDN'T COMPLY. WITH YOUR DEMANDS. NOT SURE WHY A COMPANY KEEPS DEMANDING TWO YEARS OF IRS DOCUMENTS FOR THE LAST TWO YEARS WHEN I KEEP INFORMING YOU I HAVE NOT FILED TAXES SINCE XX/XX/XXXX. BECAUSE IM NOT REQUIRED TO. I HAVE UPLOADED MY SOCIAL SECURITY 1099 FORM AS GOOD FAITH TRYING TO RESOLVE THIS MATTER. AS YOU CONTINUE TO DISREGARD AND IGNORE MY WRITTEN REQUEST FOR SPECIAL ACCOMODATIONS. DUE TO MY PHYSICAL XXXX. AS YOU CONTINUE TO DEMAND THAT I TAKE CABS EVERYWHERE TO HAVE DOCUMENTS ( BANK STATEMENTS AND ID ) NOTARIZED BY A NOTARY OF WHOSE BANK DOESN'T EXIST IN XXXX OHIO. THAT I ALSO ADVISED YOU IN WRITING. AS YOU CONTINUE TO DEMAND ME TO SUBMIT TO HAVING TO WEAR A MASK BECAUSE OF THE STATE THAT I LIVE IN AND CAB COMPANIES ARE FORCING YOU TO WEAR A MASK OR YOU CAN NOT RIDE. HAVING NO CONCERN FOR PLACING ME INTO FINANCIAL STRESS AND HARDSHIP BECAUSE I AM XXXX AND DO N'T XXXX. AS YOU CONTINUE TO DEMAND AND IGNORE MY PHYSICAL WELL BEING AND SAFETY FOR DEMANDING BANK STATEMENTS AND ID BE NOTARIZED. AFTER ADVISING YOU IN WRITING OF HOW BAD MY XXXX XXXX IS AND HAVING A XXXX XXXX AND XXXX .... WILL PLACE ME IN XXXX DANGER AND EXTREME XXXX TO MY BODY. NOT TO MENTION ALL THE EMOTIONAL AND XXXX XXXX YOU CONTINUE TO PLACE ME UNDER. FROM A SIMPLE MISTAKE, AND AFTER NUMEROUS DOCUMENTS I UPLOADED TO PROVE MY IDENTITY PER FEDERAL LAW. STILL HAVE DEMANDED AND CONTINUE TO PLACE ME UNDER EMOTIONAL XXXX. STILL REQUIRING NOTARIZED DOCUMENTS FROM A NON EXISTENT BANK LOCATION. I WILL BE SUBMITTING AN EMAIL FROM A NOTARY PUBLIC INCLUDED IN THE DOCUMENTS I AM UPLOADING HERE. FOR MY SAFETY AND PROOF SO YOU CAN NOT MAKE INACCURATE STATEMENTS SAYING I DIDN'T COMPLY..OR YOU DIDN'T RECEIVE... I WILL BE UPLOADING XXXX XXXX BANK STATEMENTS.. FROM MY ONLINE XXXX ACCOUNT BECAUSE THEY DON'T HAVE A PHYSICAL LOCATION IN XXXX OHIO XXXX. UPLOADING ID AGAIN .... WITH PROOF OF THE WORLD TIME CLOCK FROM CELLPHONE. ALONG WITH DISCOVER CREDIT CARD. AS MORE DOCUMENTATION TO PROVE MY IDENTITY AS I HAVE ALREADY UPLOADED BEFORE UTILITY BILL ID SOCIAL SECURITY XXXX 1099 FORM ALONG WITH NOTARY PUBLIC STATEMENT .... SAYING THERE IS NO WAY TO NOTARIZE BANK STATEMENTS AS YOU KEEP DEMANDING. BECAUSE XXXX DOES NOT HAVE A PHYSICAL BRANCH. AS IM SURE YOU ARE AWARE OF THE PROCEDURE OF NOTARIZED BANK STATEMENTS. YOUR BANK HAS THEIR OWN NOTARY THE BANK STATEMENTS GET PRINTED OUT IN FRONT OF THEM INSIDE THE BANK THEN THE NOTARY ONLY THEN NOTARIZES. SO NOT ONLY HAVE YOU DISREGARDED MY NUMEROUS WRITTEN REQUEST FOR SPECIAL ACCOMODATIONS. NOT ONLY DEMANDING TO PUT ME IN FINANCIAL HARDSHIP AND PUT MY HEALTH AND LIFE AT RISK. DEMANDING SOMETHING THAT SEEMS ILLEGAL BECAUSE THERE IS NO WAY FOR A NON BANKS NOTARY TO KNOW THESE DOCUMENTS ARE LEGAL. NOW IF DISCOVER HAS A NOTARY THAT WILL SIGN OFF ON MY XXXX BANK STATEMENTS SEND THEM TO MY HOUSE WITH THEIR PRINTER SO THEY CAN NOTARIZE. IM SURE YOU GUYS HAVE NOTARIES YOU USE IN DIFFERENT CITIES AND STATES. AND HAVE THEM CONTACT ME THROUGH EMAIL TO SET UP APPOINTMENT ....
Company Response:
State: OH
Zip: 445XX
Submitted Via: Web
Date Sent: 2021-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing to dispute an incorrect charge on my discover credit card. The charge I dispute is the amount of {$730.00}.
Company Response:
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2021-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-25
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: Hi CFPB, On our around XXXX I applied for a Discover Credit Card. In XX/XX/2021, I experienced fraud on my XXXX & Discover accounts. My accounts were compromised, specifically my XXXX phone number was forwarded by the scammer through XXXX Customer Service & my discover card was charged even though card was in the mail or in my possession. During the claims process, I advised Discover that my phone number was compromised, that I did not set up a pin via phone on XX/XX/XXXX, that I was out of town on XX/XX/XXXX, & that these charges were fraudulent. Additionally, in a signed affidavit I explained that my phone number was compromised & that the charges were unauthorized. XXXX the Supervisor said I am currently responsible to make these payments as their investigation found that I was the one who made these charges. Discover Credit Cards has reversed the unauthorized charge temporary credit, and held me responsible for the $ XXXX in fraudulent charges. Please have someone help me as Discover has not honored their identity theft / fraud protection program which I expected to cover me. I can not afford {$1400.00} in charges so please help.
Company Response:
State: CA
Zip: 90015
Submitted Via: Web
Date Sent: 2021-09-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-25
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On the morning of XX/XX/XXXX I received an email that my Discover card account had been closed. I called Discover and it was mentioned that a letter and email had been sent ( XX/XX/XXXX ) regarding the account status, however neither of those had been received nor exist. I have received several other account-related emails from Discover during this time. The representative to Discover sent me to a non-responsive team who she believed could assist me with the account, but she actually just terminated the call. I reached back out to Discover and was escalated to a supervisor shortly after my interaction on XX/XX/XXXX. The supervisor reiterated the dates but stated that the account had been terminated, they could not assist. They could not verify the address the letter was sent to regarding the account status. Despite having their app, numerous emails and letters about my account, and activity within their products, I believe my account was incorrectly terminated by Discover and they display anti-consumer negligence in their consumer outreach and customer service.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2021-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-25
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: On XX/XX/21 Discover Financial Services added a derogatory mark on my credit report per checking my credit report from the 3 credit bureaus. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was no form of written communication, contract, or signature for accused of this debt at all. A bill without a signature does not validate the debt and anybody can send a bill claiming it belongs to me. According to the FCRA Discover Financial Services has violated my rights as a consumer and I am requesting legal action to remove this immediately.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2021-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-25
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had applied for a Discover Card and actually received the credit card in the mail. When I called to activate the card, the representative said it was still under verification. The rep. suggested there was an address issue pertaining to the spelling of my street name. I thought my conversation at that time resolved the issue. I never heard from Discover until today, as I received an email from Discover stating the account had been closed. I called today and spoke to a rep and then a supervisor and they indicated the account was closed and reported " closed by credit grantor. '' The account was never opened as I was unable to use the card. I don't feel Discover should be able to report this account as " closed '' when I was never allowed to open it even though I have the card in my possession. I feel the manner in which this card will be reported to the Credit Bureaus will reflect as derogatory on my file.
Company Response:
State: WI
Zip: 53081
Submitted Via: Web
Date Sent: 2021-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: recieved a call from a man claiming to be from Discover Bank 's Fraud Detection Dept regarding two charges that were made on my account that they flagged as fraudulent due to the billing address that was used for these purchases being in a state that is across the country from where I live. I asked him to verify that he is from Discover and he told me to look at the back of my debit card and verify that the customer service phone number listed on my card is the same number that he was calling from. It was. The number that came up on caller ID when he called was XXXX which is the main customer service number for Discover Bank. He then told me that he wanted to cancel my existing debit card and have a replacement card expedited to me ASAP. He asked me for the last 8 digits of my card number, the exp date, security code and for the number on the card that starts with an X-. I was XXXX enough to believe him, and provided my card information. He then told me that ne needed to send me a one time code to verify my account ( which Discover ALWAYS does ). I got the text message and gave him the code ( without reading the entire text ). Then he asked me for my SSN and I immediately hung up and called Discover to report the call and report probable fraudulent activity. The text message that I received that included the verification code that I GAVE TO HIM read as follows : " Please enter code XXXXXX to use your Discover debit card in XXXX XXXXy. If you did not request this code, please call us at XXXX. '' How stupid am I for not even noticing that before I gave him the code. The guy proceeded to call me back 8 times, repeatedly while I was on the phone with the ACTUAL Discover fraud without leaving a voicemail once. I also called XXXX to have them remove my card from any payment activity through XXXX XXXX. I was sceptical about the call because I've never gotten a call like that from Discover before, but obviously not skeptical enough to not give him my bank account information without much hesitation. It's unnerving how legitimate this call seemed until he asked me for my full social... .but by that point, he had all of my checking account info. Don't fall for this.
Company Response:
State: MA
Zip: 01702
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A