Date Received: 2021-09-17
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Your pre-prepared catagorization of complaints doesn't well fit my complaint, which I will express below by ( 1 ) & ( 2 ) expressing absolute facts about consumer credit, then ( 3 ) asking what should be rhetorical question and provide what I think is an reasonable and appropriate answer. ( 1 ) Canceling a credit card damages a person 's credit rating. This is an absolutely accurate statement, although certanly not an intuitive or obviously logical fact. ( 2 ) A credit card user agreement is imposed as terms by a credit issuing company for the customer to voluntarily accept. This is also an accurate and factual statement. ( 3 ) Do you think it is appropriate, in good faith, or even legal for a user agreement to essentially state that credit extending company reserves the right to tangibly damage a card holder 's credit for any other reason than non-payment? Such a condition likely fails a reasonable consideration of appropriate, good faith, or legal activity. Discover 's user agreement doesn't say outright that they reserve the right to damage the customer 's credit rating, but that is the factual and inevitable impact of their agreement stating a card will be canceled if it isn't used often as often as they want. Said a different way, their " agreement '' essentially hides the authority for them to damage their customer by canceling their credit card for reasons other than non-payment. My two points are very simple. ( 1 ) Discover 's user agreement literally allows them to damage a customer for reasons other than non-payment, something no customer would likely agree to, so Discover disguises the deliberate intent to harm and the customer 's so-called permission to allow Discover to cause harm through accepting the user agreement. ( 2 ) It is predatory, not in good faith, and hopefully illegal to intentionally craft a user agreement knowing that hidden implications could be used to tangibly harm the other party, and to not very clearly and up-front expose and express such threats. There is a difference between the cost of doing business and harming someone. Choosing to not use an available credit card may represent to the credit card company a temporary small cost of doing business, but NO certain harm to anyone. However, canceling a credit card causes CERTAIN harm to card holder 's credit rating. Further, Discover considers that supposedly sending a routine, non-accountable postal mail letter notification to use or lose my card ( a letter that I never knowingly received ), represents that I intentionally allowed them to cancel my card and hurt my credit rating by not using my card. In summary, these are the facts : I was a good customer, paid my balances on time, but my credit card was canceled without my knowledge and my consumer credit was harmed because I chose to use credit priviledges infrequently. Credit regulations and simple contract law should never allow contracts that give one party the ability to damage the other without reasonable due cause, and simply electing to use credit infrequently should never qualify as due cause.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I paid off my account in full in XXXX and canceled my card because a political organization kept putting {$50.00} donations that should have stopped in XXXX and the credit card company said they would stop putting them on my card on XX/XX/2021 but didn't. I am still getting {$50.00} put on every month by the credit card company even here in XXXX after my account was closed in XXXX. I contacted the political organization in XXXX or XXXX but they had no record of my account so they said they could not stop the charges. Why is the credit card company harassing me after all these months. I am a XXXX year old former retired XXXX with XXXX XXXX and XXXX XXXX XXXX and I feel like I am going to have a XXXX or XXXX XXXX every month when the credit card company sends me another email saying I owe them money. I owe nobody anything and have paid every bill I ever made. I was a loyal customer for 20 years and they treat me like a deadbeat trying to beat them out of {$50.00}.
Company Response:
State: SC
Zip: 29349
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts affect my credit report, please remove these accounts.
Company Response:
State: NJ
Zip: 07011
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: what are these remarks by DISCOVER on my CREDIT REPORT XXXX : Account previously in dispute - investigation complete, reported by data furnisher Good evening, XXXX. I'm XXXX, a supervisor in our Utah billing department. I apologize for the frustration you've experienced with your attempt to close the dispute with XXXX 's. Our intent is not to over complicate the request and I appreciate you bringing this to our attention. I can confirm that the dispute was closed as of earlier today. In regards to the remarks that you mentioned - all disputed transactions found in favor of the merchant must be reported " as disputed '' to the credit bureaus by Discover. That would have been placed on your account with the dispute previously ; however, because the case was closed at your request, I will update that and you will receive written confirmation of the update via mail. Is there anything else I may assist you with at this time? I never knew a dispute with a credit card was reported to the credit bureaus and now Discover is affecting my credit score it dipped 39 points in a month! Why are you reporting something and since the first dispute I won because that business refunded me I was in the right and I won the XXXX dispute too as the franchise owner sent me vouchers that equalled the whole amount of my purchase. So are you reporting false information to the 3 credit bureas? I will soon be buying a new home and you better be reporting this correctly as this is my livelihood. Discover has been horrible to work with. I have NEVER had these issues with any of my credit card companies. XXXX is the best one I have and everytime I have a dispute especially if it under {$50.00} they simply credit me and a dispute is automatic. I do not have to email you people everytime to trigger it. Once I pay this credit card off I will not be using it. You have been treating me very poorly. The only reason I had Discover is because of the foreign fees, but now you are affecting my credit scores and it is not acceptable. I will report you to the CFPB if you can not confirm HOW you resolved and reported to the credit bureas for the past two disputes.So you are stating you found the dispute to be in favor of the merchant? Ummm no the XXXX XXXX REFUNDED ME for the dispute I have records of my XXXX case and everything and XXXX the same thing! I sent you a message twice for these when they sent me a credit stating that they gave me a credit. WHY ARE YOU FILING THE DISPUTE IN FAVOR OF THE MERCHANT?!
Company Response:
State: WI
Zip: 53402
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I have a discover credit card where i make a XXXX minimum monthly payment. I recently have gone through financial hardship and have been late on making a monthly payment.
Company Response:
State: CA
Zip: 95240
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Discover violated my Federally Protected consumer rights. XXXX XXXX also committed identity theft and 10 other violations under the FDCPA. Violations included : 15 USC 1692e 15 USC 1692b ( 5 ) 15 USC 1692c ( a ) ( 1 ) 15 USC 1692c ( b ) 15 USC 1692d ( 2 ) 15 USC 1692b ( 2 ) 15 USC 1692f ( 1 ) 15 USC 1692f ( 7 ) 15 USC 1692e ( 10 ) 15 USC 1692j ( a )
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Discover closed my consumer credit card XX/XX/2021. I called them on XX/XX/2021 to obtain a reason on why they closed my account. As the consumer I never gave them consent to close my consumer credit account. I mailed off a letter to dispute the validity of the alleged debt and to show proof that I owe the debt. Discover received the letter on the XXXX of XXXX. I have the federal right under the consumer credit protection act to dispute anything about my consumer credit account. Discover is in violation of 15 USC 1691a ( 3 ). Discover discriminated against me because I exercise in good faith my rights. Discover rep stated that their policy overpowers federal law when I called them. I need this to be handle and corrected because I know that I am the consumer and the original creditor of this account. When I entered into this consumer credit transaction, I used my credit card which is my social security card pursuant to 15 USC 1602 ( l ). Which I used to extend myself credit from my open-end consumer credit plan pursuant to 15 USC 1602 ( j ). According to 15 USC 1601a congress requires all financial institutions to inform the consumer on the use of their credit. Which Discover failed to do so which makes them in violation of the Truth in Lending Act as well. I will also be doing a complaint with the CFPB, XXXX, Illinois Attorney State General, Connecticut Attorney State General, United States Attorney State General, OCC, SEC, FDIC.
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I noticed that my credit card account has been marked as closed despite paying it in full and having access to credit. The account has been inaccurately marked as " CLOSED ''. I would like to have it marked as " CURRENT '', as it should be because it is an open account.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: YET AGAIN IM RECEIVING EMAIL CORRESPONDENCE AFTER NUMEROUS TIMES TO BE CONTACTED THRU THIS AGENCY REGARDING THIS MATTER. BECAUSE I NO LONGER TRUST THE INDIVIDUALS INVOLVED IN THIS INCIDENT WHICH ALL STARTED FROM A SIMPLE MISTAKE AND LACK OF AGENT INFORMING ME TO MAKE SURE I SCROLL DOWN FOR XXXX CREDIT PORTION OF THE APP. ( MAYBE YOU SHOULD TAKE THIS HORIFIC INCIDENT AND UPDATE YOUR TRAINING PROCEDURES INSTEAD OF TRYING TO CLOSE YOUR CUSTOMERS ACCOUNTS. ) BUT I UNDERSTAND ITS LOT CHEAPER TO CLOSE YOUR CUSTOMERS ACCOUNTS FROM A HONEST MISTAKE. SO IM ATTACHING CORRESPONDENCE AGAIN. IM ATTACHING THE IRS CONSENT FORM 4506-C THAT I RECEIVED YET AGAIN WITH THE DEMANDS TO FILL OUT AGAIN ... BECAUSE DISCOVER IS TAKING THE STANCE I NEVER FILLED OUT ... THEY DIDNT RECEIVE ... IT WAS INCOMPLETE.. ALSO ATTACHED CONFIRMATION OF EMAIL STATING ITS BEEN SUBMITTED AGAIN ... WHICH I HAVE ALSO UPLOADED PREVIOUSLY IN OTHER COMPLAINT. ALSO ATTACHED COMPLETED FORM SO ALL PARTIES CAN SEE ITS BEEN COMPLETED... AND ALL HILIGHTED AREAS FILLED OUT. AGAIN I HAVE BEEN ON XXXX SINCE XX/XX/2010 AND I HAVE NOT FILED TAXES SINCE THEN ... .BECAUSE XXXX NOT REQUIRED TO. BUT YET AGAIN DISCOVER IS DENANDING THE LAST TWO YEARS OF MY TAXES. AND AFTER STATING MY EIN NUMBER IS BRAND NEW... ALONG WITH IRS LETTER FOR EIN SHOWING DATE OF THE ORIGINAL EIN ... AND THE NEWLY FORMED FROM XXXX XXXX TO XXXX..AND UPLOADED THAT PREVIOUSLY... AND YET AGAIN DISCOVER IS DEMANDING THE LAST TWO YEARS OF TAXES AND THREATENING TO CLOSE ACCOUNT ... THEN AFTER COMPLETING... SAYING I NEVER DID... WAS INCOMPLETE... ETC AND AS WELL AS THE SECRETARY OF STATE ARTICLES OF ORGINIZATION.. AND MY ACCOUNT HAS BEEN FROZEN NOW FOR ABOUT A MONTH NOW... AND I HAVE UPLOADED MORE THAN ENOUGH PROOF OF MY IDENTITY... STILL RECEIVING THREATS OF CLOSING MY ACCOUNT UNDER THE GUISE IM NOT CO-OPERATING IN PROVIDING DOCUMENTS .... WOW ... AMAZING... AND I HAVE XXXX AND XXXX .... REALLY BAD ISSUES WITH MEMORY... XXXX XXXX I THINK THE APARTMENT WAS XXXX XXXX NH BUT I DO NOT RECALL FOR SURE...
Company Response:
State: OH
Zip: 445XX
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Tuesday, XX/XX/XXXX @ XXXX ; i received an email stating, " Thank you for your recent inquiry regarding your Discover it Account. As requested, your Discover it card Account is now closed. '' the problem is, I never called discover to close my account. i called discover several times to let them know, it wasn't me. I did not call you guys to close my account., how could someone just close my account without my knowledge. discover stated the call was made, Saturday XX/XX/XXXX @ XXXX... i advised them i was in an appt., i never called. they stated, they would do an investigation... i called back today XX/XX/16 ** they said theres nothing they can do .. i can reapply. they will not reopen my account. this is unacceptable., i am the victim here.
Company Response:
State: MI
Zip: 48174
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A