Date Received: 2021-09-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XX/XX/XXXX we agreed to a Discover Card Direct Pay agreement which would draft XXXX our checking account monthly. We had just been enrolled in the HAMP program and need to stabilize all our expenses. The agreement was for one year. In XXXX of XXXX, without notice, letter or even a call Discover drafted {$430.00} from our account. We called and asked that the above {$300.00} amount be returned immediately. They said no, it was " a past due '' amount. Nothing could be done. In XX/XX/XXXX without notice again, they drafted {$710.00} from our account. We were shocked and called again to no avail. They subsequently closed the account and demanded full payment. Our position is that their Direct Pay agreement does not allow them to withdraw whatever amount suits them. Their credit agreement does not allow it either. We can not believe we are the only ones to suffer this fate.
Company Response:
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Discover financial services- Inquiry XX/XX/2021 This is a fraudulent inquiry on my credit report Ive been trying to get it off for months now I reached out to all 3 credit bureaus and the company about this
Company Response:
State: MI
Zip: 48331
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have submitted a previous complaint regarding this matter. Discover has continued to fail to uphold their end of their contract. Discover has ONLY 90 days to resolve a credit card dispute. It has been over 90 days and Discover still hasn't made a final ruling despite ruling in my favor. According to XXXX, " The card issuer must complete its investigation within two complete billing cycles of receiving the dispute, which generally means two months, and can not take more than 90 days. '' XXXX XXXX XXXXXXXX How much longer must this dispute go on before a final resolution? It's passed 90 days. It's unfair for Discover to rule in my favor yet continue to drag this on way past 90 days. The dispute number is : XXXX THIS TRANSACTION WAS NEVER UNATHORIZED, THE MERCHANT NEVER REPLIED WITHIN 90 DAYS.
Company Response:
State: PA
Zip: 15237
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been told and have had my Discover Student Loan account accordingly notated, that Discover did not report student loans delinquent to credit at 30 days, instead, they reported delinquencies at 60 days. This policy was due to their issues not being able to properly track student loan delinquencies and updates to payments in a timely manner. That being said, Discover, out of the blue reported me two x 30 days and 1 x 60 just recently this year. I spoke to multiple representatives about this and was advised that Discover could arbitrarily change their reporting policies at their discretion, but in order to assist me, would escalate the matter. It has been about a month now, and Discover has not resolved any issues and now I have multiple late reportings on my credit where now Discover is the only account I have this type of derogatory reporting issue. I have record of having made my payment for the past 6 months or so and will attach it. This company has become very difficult to work with since COVID happened and I believe that this is an attempt for Discover to disproportionately preclude people from refinancing their loans out of Discover by giving them this unwarranted and illegal black mark on their credit.
Company Response:
State: CA
Zip: 92808
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
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: We dropped a vehicle off at a repair shop. The employee who took the car in did not say anything in writing or verbally about a diagnostic fee. When we picked the car up the shop added {$75.00} to the bill for a diagnostic fee. This came as a total surprise as it was not disclosed. The owner refused to remove the charge from my invoice so I disputed the charge through Discover Card. The merchant provided an invoice and statement that effectively said their terms and conditions provide for a diagnostic fee, so Discover disallowed my dispute on XX/XX/2021. I disagree with Discover 's decision because the merchant did not provide documentation to prove that they disclosed the fee to me. General terms and conditions that were not provided is not proof that the charge is valid. The charge is invalid because it wasn't disclosed before the work was done and we didn't have an opportunity to decline it and take our vehicle to a different shop that doesn't impose such fees. The burden should not be on me to know every detail of this businesses terms and conditions when their terms weren't made available or disclosed when we dropped off the vehicle.
Company Response:
State: TX
Zip: 75035
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have these accounts that are not mine adn iwant them to be removed. 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX Account Number : XXXX This is not mine.
Company Response:
State: NJ
Zip: 07501
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: In early 2021, I contacted Discover to inquire about a credit line increase. I provided my estimated income, and submitted the form. I was denied a credit request and told a letter would come in the mail. The reason for the denial was that I did not spend enough money on the card. A few months later, I submitted a second request, repeating the above steps. This time, I was denied because I spent too much on the card. My closing balance was {$400.00}, and my available Credit was {$1600.00}, of {$2000.00} of the credit line in XX/XX/2021, I submitted a third request for a credit line increase. I was again denied, this time because of lack of information on a mortgage, or installment loan. Its interesting that a credit card company can decline an application for lack of mortgage, or installment loan, when that can not be a determining factor It seems that Discover wants to send me dozens and dozens of letters, and emails asking me to sign up for ID protection, or student loans, or mortgage information, but they refused to help me with something that might actually work for my needs. I applied for a new Discover credit card, the Discover it XXXX card. My application was denied, because of lack of mortgage or installment loan information. The unfortunate thing is a hard inquiry was placed on my credit file, when I was already a Discover customer. A hard inquiry is not necessary when I am a current customer.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
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 reservation of airline tickets through XXXX on XX/XX/ for XXXX round-trip. They immediately charged my Discover card. They never booked with the airline and never sent me airline confirmation number. Only their own confirmation number and XXXX e-ticket number. One week later this company sent me a message that flights were canceled. Instead they offered much more expensive options which also take at least 10 hours more each way. It was unacceptable. When I tried to apply for refund, they asked me to agree to possibly receive refund in " XXXX money '' in 3 month (! ). They also would not pick up the phone or correspond via email. Of course, I could not agree to this : I need my money back to book through another service. I disputed with the Discover card, uploading the following documents : 1 ) Booking confirmation without airline confirmation number ; 2 ) Policy of XXXX saying that they refund ( if they cancel flights ) immediately in cash 3 ) Screenshot where XXXX states that it will take them 3 months and they may pay with XXXX money ; When I was making booking I have read terms and conditions very carefully. It did not say at the time of booking that XXXX can cancel and refund in their own money. I filed the dispute with Discover on XX/XX/ and they turned down the dispute on XX/XX/. Discover said that since " they provided services of booking, I can not dispute this charge ''. I told Discover that there was no actual booking with XXXX. These particular flights never existed. This is fraudulent documentation. Discover said that there is nothing they can do with this. This completely negates the point of credit card protection against fraud.
Company Response:
State: CA
Zip: 92122
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on DISCOVERBANK. Also, I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response:
State: PA
Zip: 19038
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have these accounts that are not mine and i want them to be removed. 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A