Date Received: 2021-09-24
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 made a purchase in XX/XX/2021 for {$350.00} for vitamins. I received an empty envelope. I contacted my discover card and filed a dispute. They have taken the charge off and on since then I had text and proof of my purchase and photos of empty package. I did not buy web design as the vendor stated. I backed up my claim and discover received my backup. On XX/XX/XXXX they put the charge back on my card without telling me in writing or phone. I still have no letter or proof of vendors claim which is the law and no letter stating I can appeal I have called discover 3 times but they just stalled. I spoke to XXXX in exec office at discover. She never called back as promised. She finally said they sided for the vendor. I said you are taking his word over mine and they said he is a client too. Thats strange since Im the one missing {$350.00}. I am attaching backup of texts and my empty envelope and my emails claiming nothing was in the envelope.
Company Response:
State: NJ
Zip: 08723
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2021 I requested Discover Bank to provide all requested documentation pursuant to 15 USC 1692 ( g ) ( a ), 15 USC 1692 ( g ) ( a ) ( 1 ) ,15 USC 1692 ( g ) ( a ) ( 2 ), 15 USC 1692 ( g ) ( a ) ( 3 ), 15 USC 1692 ( g ) ( a ) ( 4 ) and 15 USC 1692 ( g ) ( a ) ( 5 ). I am disputing the validityof this alleged debt. I am requesting the name and address of the original creditor pertaining to this alleged debt. I am also requesting copies of a signed contract with Discover Bank pertaining to this alleged debt. As of XX/XX/2021 Discover Bank has still not provided all requested documentation. If all of the requested documentationis not provided I will be taking legal action against Discover Bank and XXXX, XXXX & XXXX for the continued violations of my consumer rights, continuedattempts to violate my U.S. Constitution IV Amendment rights and harassment. I do require Discover Bank to satisfy these demands immediately.
Company Response:
State: NJ
Zip: 080XX
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: COMPANIES RESPONSE STILL DENYING ME SPECIAL ACCOMODATIONS REQUEST... TO UPLOAD DOCUMENTS HERE. STILL DEMANDING FOR BANK XXXX NOTARY TO NOTARIZE BANKING STATEMENTS FOR THREE MONTHS ... ALONG WITH ID. NO XXXX BRANCH IS LOCAL. I HAVE NO PROBLEM UPLOADING DOCUMENTS HERE .... IM XXXX... I DONT DRIVE YOU ARE IGNORING SPECIAL ACCOMODATIONS REQUEST FOR MY PHYSICAL XXXX AND NOW FORCING ME TO TAKE CABS EVERYWHERE FOR XXXX NOTARY WHICH THEY DO NOT HAVE LOCAL BRANCH .... TO NOTARIZE MY 3 MONTHS WORTH OF BANK STATEMENTS ALONG WITH ID .... AS WELL AS DISREGARDING MY XXXX XXXX BECAUSE I HAVE INFORMED YOU IN WRITING I HAVE A BAD XXXX AND XXXX AND CAB COMPANIES ARE PLACING UNLAWFUL DEMANDS FOR PEOPLE TO WEAR A MASK... OR YOU CAN NOT RIDE. I HAVE HAD TO RESORT TO ONLINE GROCERY SHOPPING DUE TO THIS. THEN YOU HAVE MADE SURE TO STRING THIS ALONG ... AND STILL DEMANDING EVERYTHING BY XX/XX/2021 AND STILL MAKING INACCURATE STATEMENTS THAT I HAVE NOT FILLED OUT THE IRS FORM EVEN THOUGH I HAVE SUBMITTED PROOF THAT NOW I HAVE FILLED THIS OUT TWICE... AND SUBMITTED ... AND UPLOADED PROOF.. 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/2021, a transaction authorizations hold was placed on your account and our XXXX XXXX XXXX department emailed you an Internal Revenue Service Income Verification 4506 form and the process for its completion and review. On XX/XX/2021, the Internal Revenue Service rejected the 4506 form. In an effort to assist you regarding this matter, on XX/XX/2021, 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/2021, 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 I WILL UPLOAD BANK STATEMENTS HERE .... I WILL BLACK OUT EVERYTHING EXCEPT FOR MY NAME ADDRESS AND 3 MONTHS WORTH BEARING THREE MONTHS ... .WORTH OF BANK STATEMENTS... AND I WILL UPLOAD ID AGAIN SO YOU CAN STRING THIS ALONG SOME MORE SO YOU CAN CLOSE MY ACCOUNT UNDER THE GUISE OF ME NOT COMPLYING OR THAT I REFUSED TO SUBMIT DOCUMENTS.. WHILE THIS WHOLE TIME HAVE MADE MANY INACCURATE STATEMENTS.. AGAIN THANK YOU FOR KEEP DENYING ME SPECIAL ACCOMODATIONS REQUEST. AND AGAIN THANK YOU FOR TRYING TO PUT MY HEALTH AND LIFE AT RISK FOR TRYING TO DEMAND ME TO GO OUT HAVING TO WEAR A MASK WHEN I HAVE ADVISED YOU NUMEROUS TIMES IN WRITING I HAVE A BAD XXXX AND XXXX. AND THANK YOU FOR TRYING TO DEMAND THAT I WILL ALSO HAVE TO TAKE A CAB EVERYWHERE WHEN I HAVE ALSO ADVISED YOU I CAN NOT FINSNCIALLY AFFORD TO DO THIS..BEING ON XXXX. THANK YOU. XXXX XXXX
Company Response:
State: OH
Zip: 445XX
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: 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 purchased two kicker speakers XXXX from XXXX XXXX when I got home connect the speakers I was having problems with them kept put my amp off on protection mode so when I purchased the speakers in the store and all over the store since you have 15 days to return them and thats exactly what I did I return them the only problem was I was denied returning them because the speakers had dust on them from inside the woofer box from the sawmill I guess and one of the boxes were damaged so the assistant managerRefused for me to return them I said I just wan na exchange refuse exchange them and then told me if I didnt leave you call security so I dispute this charge with Discover card Discover card found in my favor but then they just reversed it because XXXX XXXX told them so Discover is trying to tell me because I dont have written proof is the reason why it went back to XXXX XXXX watt if I go into a store and I try and return a purchase and they refuse it when you get written proof that you were there they could check their cameras if they want to see that I was there XXXX written proof or do you think summer is going to give me written proof so now the sun me to get a return and get your money back you need written proof that you were there XXXX XXXX states in her letter you dont get to have both you cant keep the speakers and get the refund I tried giving him the speakers back they refused them they denied me I was well within a 15 day. Now they want me to talk to you kicker about the warranty they couldve did that the store when I returned them I was just looking for an exchange them know we try to help me and told me to leave I already bought other speakers hes a no good to me broke when I bought them at the time I want to use them at the time not dispute them for two months and not get to use them so I bought new ones these are no good to me
Company Response:
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received a check for {$2900.00} from an advertising company to pay for installation of advert on my vehicle and payment to me for advertisement. My payment was to be {$500.00} out of this check, the rest was to pay installation.I deposited into my savings and did not take any money from it because I wanted to make sure check was good. After crediting my account for the amount of check, the following day it was taken back out by the bank who said check was returned. But all it says is returned check deposit on the transaction and I questioned that this would look as though it was me, income I received but I was told by bank that, No, thats how its done. ( This is second time this happens ) But XXXX shows it as income so Im inclined to agree since I was afraid of exact thing. Thank you
Company Response:
State: LA
Zip: 70560
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I being the consumer, natural person and original creditor have sent a debt validation letter to Discover Financial Services pursuant to 15 USC 1692g requesting validation not verification, those are two different things. I also requested Discover Financial Services to provide copies of their 1096 tax form, their 1099-OID, their INC and their PRC in reference to the account. I being the federally protected consumer, natural person and original creditor sent along with the debt validation letter, a cease and desist letter and a consumer enforcement settlement containing my statement of damages ( violations in accordance with civil liability ) for the debt collectors transgressions against me as a consumer under 15 USC 1692, TCPA and Identity Theft. Please review attachments.
Company Response:
State: VA
Zip: 23454
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: When I signed the original promissory note ( which by law is the negotiable instrument and is considered legal tender after the Bankruptcy Act of 1933 was enacted ) for Discover to complete the credit sale, the consumer credit transaction should have been paid in full. According to 16 CFR 433.1, the creditor and the seller got into a business arrangement and gave me a purchase money loan in exchange for a finance charge. According to CFR 433.2, In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. According to 16 CFR 433.3, every seller who has taken or received an open end consumer credit contract after November 1st, 1977 are not exempt from a consumer asserting his rights against any holder of the contract all legally sufficient claims and defenses which the consumer could assert against the seller of goods or services purchased pursuant to the contract. So therefore, I am asserting my rights against DISCOVER for goods purchased. According to 16 CFR 444.3, in connection with the extension of credit to consumers in or affecting commerce, as commerce is defined in the Federal Trade Commission Act, it is a deceptive act or practice within the meaning of section 5 of that Act for a lender or retail installment seller, directly or indirectly, to misrepresent the nature or extent of cosigner liability to any person. It is also considered an unfair act or practice within the meaning of section 5 of that Act for a lender or retail installment seller, directly or indirectly, to obligate a cosigner unless the cosigner is informed prior to becoming obligated, which in the case of open end credit shall mean prior to the time that the agreement creating the cosigner 's liability for future charges is executed, of the nature of his or her liability as cosigner. I am competent of understanding I am the cosigner for my principal obligor. I also never received the " Notice to Cosigner '' before becoming obligated. This was also unauthorized use pursuant to 15 USC1602 ( p ). I received no benefit of my credit card being used by DISCOVER. DISCOVER committed aggravated identity theft under Title 18 U.S. Code 1028A on four separate occasions as DISCOVER BANK has knowingly used without lawful authority, a means of my identification in order to compromise my bank account instead of directly communicating with me first about the confusion in how to correctly apply my payment for four separate times. Each case of aggravated identity theft under Title 18 U.S. Code 3571, is a felony and a fine in the amount {$500000.00}. DISCOVER BANK created a false and deceptive form under 15 U.S. Code 1692j. The delivery of a false and deceptive form constitutes mail fraud pursuant to 18 U.S. Code 1341. Pursuant to 18 U.S. Code 1341, whoever, having devised or intending to devise any scheme or artifice to defraud for obtaining money or property by means of false or fraudulent representations, obligation, security for the purpose of executing such scheme or artifice or attempting so to do, places in any POST OFFICE for mail matter to be sent or delivered by any private or commercial interstate carrier, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing that affects a financial institution ( in this matter XXXX XXXX ), such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. I made payment to DISCOVER by way of an qualified indorsement with the words " without recourse '' on the negotiable instrument that was sent to meant to me via mail. According to Uniform Commercial Code 3-415, if I indorse with the words " without recourse '' all liability is off of me. Also, if a notice of dishonor is not given to me, the liability is discharged.
Company Response:
State: FL
Zip: 33032
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of Identity theft/fraud. I have notified Discover Bank, XXXX XXXX XXXX XXXX and XXXX XXXX several times that these accounts do not belong to me, I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft Affidavit signed and notarized along with my sworn statement regarding the fraudulent account. These accounts were reportedly opened online with someone using my ID and ss card which were both stolen and reported to the authorities years ago. Documents submitted to Discover Bank : affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA XXXX Discover Bank, XXXX XXXX XXXX XXXX and XXXX XXXX continue to report these fraudulent accounts on my credit report although I have provided these documents with no response from the companies or any representatives. This account must be removed immediately, as it is in clear violation of the FCRA.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
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 purchased online 4 car wheels which had defects from a merchant. I requested the merchant send me a prepaid shipping label to return those wheels but they refused, I then submitted a dispute through my credit card bank to help with the dilemma. My credit card bank did not obtain a pre paid shipping label from the merchant so I could ship the wheels back without any expense, since the wheels were defective and of no use to me. Thank You
Company Response:
State: MA
Zip: 02720
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Hi there, I applied for a credit card " Discover it '' from Discover on XX/XX/XXXX and got approved on XX/XX/XXXX. Afterwards, they asked me to file an XXXX form and upload a picture of my SSN card to verify my information. I filed the form and submitted the picture. However, afterwards, I got informed by my employer that the information on my social security records was incorrect. I called Discover that my date of birth was wrong on my social security records and telling them I will update my information on social security records as soon as possible. They told me that as long as it can be fixed by XX/XX/XXXX, it would be fine. However, on XX/XX/XXXX, I received an email from Discover telling me that my account was closed because of not abling to verify my information. They closed my account and will report the account closed by creditors to credit bureaus, which would hurt my credit score a lot. I called them several times telling them I've already corrected my information on social security records. They refused to verify my information for me, and insist that I can only re-apply the account again. Thank you!
Company Response:
State: OH
Zip: 45242
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A