Date Received: 2021-09-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: please check the following account that appears on my credit report, it is not mine, it is hurting me DISCOVERBANK Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XX/XX/2021, my Discover Credit Card was stolen and purchases were being made without my permission. From XX/XX/2021 to XX/XX/2021 my card was charged {$11000.00}. When these transactions took place Discover failed to notify me that these transactions were happening. They did not call me or message me asking if I was making these purchases. One of the charges included was a hotel charge in Florida of over {$4000.00}, how can they charge me for that and not call me to confirm it was me. In addition, I only have a {$9500.00} credit limit on my account, so how in the world did my balance jump to {$11000.00}. They have deemed that the transactions are valid, even after I provide proof that I was in CT with credit card statements that showed my presence in CT through purchases I made. I have cooperated with them to the best of my ability, yet they have failed to help me in this terrible situation. They have failed to protect me in this situation and have left me in a position with a debt that I can not afford. The negative impact on my life will be astronomical from this situation, and the only thing they care about is themselves and taking advantage of their customers. They also provided zero proof that I benefited from any of the transactions. In addition, there were two fraudulent plane ticket purchases and two fraudulent hotel rooms both booked during the same week. Discover was claiming that I was in two different places during the same week, their only explanation was that my name was on there providing zero proof of their claim. After speaking with XXXX XXXX from the executive office of discover he told me that the only way that they would open the case up is if I file a police report. I went to multiple police stations to try and get someone to write a report for me and they all said the same thing, " We do not write police reports on credit card fraud because of its international nature. '' Yet Discover continues to tell me that I need one. They have pinned this debt to my name with no worry in the world. XXXX XXXX from discover has not been helpful to resolve my issue and has not returned my phone calls. Discover does NOT protect you if you are a victim of fraud. This is my third time writing a complaint with them and its been close to 6 months since the fraud occurred, nothing has changed.
Company Response:
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Hello, Im a co-signer on my daughters student loans with Discover Student Loan. She became delinquent while trying to get her unemployment monies during COVID. She called Discover numerous times to go on record letting them know she was trying to get the pin number re-set on her funds from Unemployment Compensation. She had {$2000.00} in Unemployment Money that would have paid her student loans. She was laid off due to COVID. Unemployment was inundated with telephone calls, and it was practically impossible to get through on their phone lines. She was never offered help through Discover. They found multiple call logs from my daughter calls/discussions with their representatives to insure she would be paying. She was assured by a Customer Representative that she would not be turned over to the Credit Bureau. If she had been informed otherwise, I would have stepped in and paid the loan as I am the Co-Signor. Anyway, we spoke w/Discover multiple times, and they admitted an Employee stated this to my daughter in error. They stated they contacted the Credit Bureau to request the reporting be updated, and were advised that there is nothing that can be done to change the reporting. I am not confident that they actually took this step. We received so much misinformation, no call backs, and representatives that stated they could not speak to me, etc. I really do not trust that they made any attempt to correct the reporting. They record all of their calls, and they found the conversation, yet the refused to take responsibility for the misinformation. Anyway, shortly after that statement from their employee my daughter received her unemployment and paid the past due amount bringing the account up to date. This is a case of a company not offering any leinency during COVID, and more importantly not standing behind the information that THEIR employees provide to their customers. Please provide feedback to my request. Thank you!
Company Response:
State: PA
Zip: 19038
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: discover offer my, one year 0 interest with 2 % fee transfers, my bank XXXX XXXX offer my same offer, I decided transfer to my bank, my bank pay to discover {$5000.00} dollar for the total, but '' discover charge another {$5000.00} dollar, total {$10000.00}, after 2 month and many time to call all and they toll me they send a check to my home, that is 2 month ago, discover continuable lying to me and not send any check, they damage mi credit, my My score credit was XXXX, now for this problem is down to XXXX, discovery doing this action wend someone no continue used they credit card after the one year offer. I Ready speaking with a supervisor name : XXXX : phone : XXXX XXXX XXXX, same problem, lying to me
Company Response:
State: FL
Zip: 33166
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Someone I do not know hacked my computer and made fraudulent charges on my account amounting to {$8700.00} and was made on XX/XX/2019.
Company Response:
State: NY
Zip: 10950
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Discover card changed my product from a discover it to a discover miles card, without my permission to do so. I called and requested that the card be converted back. This apparently never happened. Instead, they closed my account and retained the negative balance owed to me without notifying me that they closed the account, refunding the credit owed, or making the previously mentioned product change. Even on my attached billing statement it does not state the account is closed, but when I call customer service they tell me it was closed inXX/XX/2021 without notice to the consumer.
Company Response:
State: CA
Zip: 94551
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-11
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: I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-11
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: This is an update to complaint that was filed against Discover XXXX - 1. This complaint/issue should be referred to the appropriate regulatory agency for review. 2. The last that I heard from Discover representative was an email dated XXXX which will be attached. 3. As of today, XXXX, I have been billed in the amount of the dispute, {$400.00}. This is still in dispute and I should not be billed for items not delivered. 4. Also, I noticed that my credit score has taken a hit as shown in the attached, on the Discover website. How can this be on a disputed item? 5. For clarification, the original complaint should be updated to show there were to be 3 pairs of shoes that were purchased instead of two. To be clear, I have never received any shoes from XXXX XXXX that were to be sent to my second address at XXXX XXXX XXXX XXXX GA XXXX. I have now tried in good faith to resolve this with XXXX XXXX and Discover. Discover is acting in bad faith by prolonging this process and ignoring Federal law. Not sure why Discover would treat a long term customer this way.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2021-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have this account that is not mine and i want it to be removed from my credit. 1. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A