Date Received: 2021-08-26
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: On XXXX, Customer opened a dispute with credit card, Discover for the amount of {$120.00}, merchant, XXXX. On XXXX, Customer ordered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, advertised cost {$110.00} from subsidiary merchant, XXXX. XXXX, XXXX, XXXX XXXX and/or merchant ) authorized order from customer and XXXX XXXX XXXX, confirmed order and confirmed charge customers credit card, Discover Card for in the amount {$110.00} plus {$7.00} tax, for a total charge of {$120.00} ( as referenced under XXXX XXXX XXXX ). - Exhibit XXXX, XXXX, at XXXX PM, Order Confirmation from XXXX On XXXX of XX/XX/2021, customer cancelled order when merchant XXXX XXXX XXXX changed delivery date to XXXX instead of XXXX. - Exhibit XXXX, XXXX, at XXXX PM, Order Cancellation Confirmation On XXXX, XXXX and XXXX cancelled order before shipper could deliver the merchandise, the merchandise was returned back to XXXX XXXX XXXX. XXXX requested if customer could receive {$120.00} minus {$17.00} for shipping costs? However, customer denied request because XXXX did not fulfill their obligation to the customer. Customer rightfully requested a full refund in the amount of {$120.00}. - Exhibit XXXX, XXXX, at XXXX PM, XXXX : Message from XXXX Customer : Request Refund, XXXX On the XXXX, merchant XXXX indicated that merchant XXXX issued a refund of - {$110.00}, for the order XXXX that was cancelled on XXXX. - Exhibit XXXX, XXXX, at XXXX PM, An adjustment for your recent XXXX order XXXX - Exhibit XXXX, XXXX, at XXXX AM, An adjustment for your recent XXXX order XXXX Unexpected to customer, XXXX XXXX XXXX only refunded customer a partial credit of {$110.00} instead of {$120.00} that customer and merchant agreed upon. XXXX, customer contacted XXXX and XXXX requesting merchants cooperation for complete refund for {$120.00}. The following day, XXXX and XXXX indicated that a full refund would be issued and an additional {$7.00} would be refunded to customer in XXXX days. - Exhibit XXXX, XXXX, at XXXX AM, Your Message was sent to XXXX : Request Refund, XXXX - Exhibit XXXX, XXXX, XXXX AM, XXXX : Message from XXXX Customer : Request Refund XXXX However, after 3 days merchant did not refund the full amount as promised. Therefore, customer followed up with merchant. According to XXXX, XXXX indicated that XXXX failed to issue the remaining credit of {$7.00} and that XXXX opened a dispute claim with XXXX, under case number is XXXX. - Exhibit XXXX, XXXX, XXXX AM, XXXX : Message from XXXX Customer : Request Refund, XXXX PLEASE NOTE THE FOLLOWING : XXXX years prior to this incident, a class action lawsuit was filed against XXXX under, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX XXXX XXXX. Mo. ). As a result, XXXX proved that XXXX XXXX failed to comply with Federal statutes regarding fair trade for consumers and illegally kept monies that were due back to customer/s from merchandise return/s and/or exchange/s. The plaintiff, XXXX argued that when customer/s purchased an item from XXXX through a subsidiary merchant, the subsidiary merchant collected the money as advertised and an additional tax charge was collected by XXXX from customer/s. As customer/s returned the item/s under terms and/or conditions of the online purchase agreement, the customer/s was rightfully entitled to a full refund that includes any tax and/or shipping charged from XXXX. The subsidiary merchant would refund the base price however it was discovered that XXXX stores illegally withheld the tax charge/s owed to the customer/s and failed to refund the customers tax charge/s and therefore breached terms and conditions of the agreement and violated federal and state sales practices, and federal trade laws. - Exhibit XXXX, XXXX XXXX, XXXX. # : XXXX, Filed XXXX - Exhibit XXXX, XXXX XXXX Representing Plaintiff, XXXX XXXX XXXX XXXX XXXX XXXX {>= $1,000,000} Class Action Settlement Hence, in this case, XXXX violated customers rights by keeping customers {$7.00} charge for pre-tax. XXXX, XXXX is in violation of a court order agreement, under case XXXX v. XXXX XXXX XXXX XXXX and violating customers rights and in violation of sales practices and federal trade regulatory statutes. Customer is asking for XXXX to refund {$7.00} back to customer to complete the entire refund for an order that was cancelled and not delivered to customer. XXXX is in violation of a Supreme Court order filed on XXXX, under XXXX v. XXXX XXXX, Case XXXX, Doc. # : XXXX. XXXX XXXX XXXX, has violated customers rights and XXXX XXXX XXXX, is illegally withholding customers refund of {$7.00}.
Company Response:
State: TX
Zip: 75189
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
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. I am submitting a complaint for a previous issue that was not fully resolved. Please do not close my complaint. I had two fraudulent charges made for {$1000.00} each on my discover card. Cfpb and discover resolved one of the {$1000.00} charges, but the other {$1000.00} charge is currently being reviewed by discover, which is why the cfpb complaint did not help. Currently, a {$1000.00} charge is REAPPEARING on my statement, which is why this issue is now a valid case for the cfpb to solve. This charge was fraudulently made and I would not like to be held reliable for this. This charge is currently damaging my credit and I would like discover to dispute this charge immediately, Discover also closed my credit card account, but thinks it is okay to make charges reappear on my account. This is absolutely ridiculous. I was first told to submit a police report. I happily obliged and submitted the report. The report did absolutely nothing and I was then asked to contact USPS in order to start an investigation due to suspecting that someone had been stealing my mail. I currently do not have time to go out of my way and contact USPS for a job that the police is currently aware of. This charge needs to be disputed and taken off my credit report immediately. This is extremely unfair and I would also like my minimum payment refund. I was told that I would receive a refund check, but never did. I would also like for my account to be reopened and have a new card sent out. Discover clearly is capable of reopening my account and trying to make me pay for fraudulent charges, which is why my account and card and should be reinstated. Please resolve this issue asap and do not close my complaint. I have reported this fraudulent charge multiple times, but agents do not correctly file the fraud claim. This charge is once again appearing on my account.
Company Response:
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Discover Financial Services indicates that I opened an account in XXXX of XXXX. At this time, I was working in the XXXX since XXXX, XXXX XXXX for the poor fishermen of a small remote island, destroyed by a Super Typhoon. When I returned to the United States in XXXX, I had recently had a XXXX XXXX in the XXXX, and returned to the U.S. to recover. It was at that time that I was notified that Discover had attempted to collect a debt that I knew was not mine. I sent a letter to Discover in XXXX of XXXX, notifying them that this was not my debt, but was likely my son 's, who was also XXXX XXXX XXXX, and had been living in my home at the time the alleged debt began with Discover. My son has been suffering with extreme XXXX, and XXXX use from his XXXX XXXX XXXX XXXX. I noticed that Discover is still listing this debt as mine, and shows that the account is open with a balance of about {$1500.00}. This reflects on my credit report as open, with the balance still open and active, though Discover also shows the debt charged off in XX/XX/XXXX. Discover never replied to my request to validate this debt as mine, and not my son 's. I asked for a signature on a contract, and copies of the original debt, but I was never given these documents by Discover. This debt is now affecting my ability to obtain medical coverage and prevent me from getting the care I need for my XXXX XXXX. This debt is also indicated to be seven years old, and should have been removed from my report, by this time. I am asking that Discover remove this debt from my record and stop showing that the account is still open and the balance each month is reported as open and collectable in my name. I want the status changed and removed immediately from my credit file. You can attempt to collect this debt from my son.
Company Response:
State: AZ
Zip: 85635
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Discover has contacted me about an allege debt. I have informed them that I participated in a consumer credit transaction pursuant to 15 USC 1602i. I have informed them to cease and desist pursuant to 15 USC 1692c ( c ). Also informed them that I would like my account to be XXXX as this extension of credit was only extended to me through them ( Discover ) by me, the original creditor pursuant to 15 USC 1692b ( 4 ). I gave them my credit card ( Social Security Number ) pursuant to 15 USC 1602 ( l ) and never asked them to send me a bill or request for payment from me, on my behave. I've never gave them permission to contact me and much less never gave them permission to contact me multiple times through ANY medium. I received communication from them on XX/XX/2021, which I labeled " Exhibit A '' through the mail about this allege debt, they used obscene and profane language during in the letter they sent me as words that I found offensive such as " DEBT '' was used and that I owe THEM a payment, which is a violation of 15 USC 1602p, because as the card holder ( 15 USC 1602n ) I will not receive any benefit by making a payment to them on something I issued them, which is credit. The statement they sent me was in a positive amount indicating I, in fact, have a credit instead of a debt, which is a violation of 15 USC 1692 e ( 2 ) ( A ) false and misleading the character, amount or legal status of any debt. I asked them to validate the debt pursuant to 15 USC 1692g. I have yet to receive any contact from them. They contacted me at a time I was busy and being that I NEVER told them to contact me it was INCONVENIENT, which is a violation of 1692c ( a ) 1. Also I have made multiple payments in the pass and require that money back pursuant to 15 USC 1692h, as I have to direct them where to put the money, and I want the money to be place in a check addressed to me. Also being that I've been receiving correspond from them its a clear invasion of my privacy. The other violations are in the file I uploaded marked as exhibit A. Also they have been in communication with a consumer reporting agency which is a violation of 15 USC 1692b, communicating with someone else besides the consumer about a debt violation of 15 USC 1692b ( 2 ). I responded on XX/XX/2021 which they received which was confirmed by the USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/21, telling them to not contact me about an allege debt, that they have no right to try and collect, the content of the letter I sent them was a cease and desist letter pursuant to 15 USC 1692c ( c ) ; an affidavit of truth, a request of debt validation pursuant to 15 USC 1692g AND an invoice with the amount of damages they have done to me the consumer, when they tried to collect on this allege debt. I have yet to receive any correspondence or money for the violations to these aggressive and deceptive practices to collect a debt that has not been validated or verified pursuant to 1692g.
Company Response:
State: NY
Zip: 12553
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I received a form 4506-c from discover on XX/XX/XXXX. After I realized that it was not a spam email and was in fact from discover, I filled out this form and submitted to discover on XX/XX/XXXX. I was taken to a confirmation page, but received no confirmation email. I expected to receive a response, but no response was received from discover. On XX/XX/XXXX discover closed my credit account with them. I sent an email regarding this erroneous account closure on XX/XX/XXXX. They called back saying there was nothing they can do to reopen the account. I have tried to resolve the issue by calling into the discover executive office on several occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and providing proof of income or paystubs to verify my income due to the technical issue with XXXX not receiving my 4506-c form, but I keep getting vague or inaccurate answers on the next steps to take to dispute this error. On XX/XX/XXXX I spoke with an agent that informed me she would be asking a supervisor to reach out in 24-48 hours, but that most likely the account will remain closed as I never received a confirmation email from XXXX.
Company Response:
State: TX
Zip: 765XX
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Company Response:
State: CT
Zip: 06610
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
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. I has been well over 30 days and I have not received any investigation results.
Company Response:
State: NJ
Zip: 07008
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: The first dispute occurred while I was on XXXX XXXX for the XXXX in XXXX and XXXX of XXXX. I was not allowed to use a computer or able to access my mail to pay my Discover card bill during this time. I made a dispute with all 3 credit Bureau and Discover Card and they refuse to help or remove the error based on the circumstance. My account has been paid and in good standing since then and shouldn't be on my credit report due to the fact that I was not aloud to use a computer per orders from the US Govt at the time. I have uploaded my orders to this file. The second dispute I have is with a company called XXXX XXXX XXXX Account XXXX which was just placed on my credit report as of XX/XX/XXXX. The debt is from a company called XXXX XXXX. They say that I owe them {$1100.00} for a normal physical I had got last year XXXX. A physical that my XXXX XXXX should have paid for. Even XXXX shows I had active and valid insurance during this time. XXXX had sent me a bill for this physical for {$260.00}. I made a complaint with them about this because was and issue with my XXXX insurance not being active at the time because I had just got off XXXX XXXX orders in XXXX of XXXX. I ended up paying the out of pocket cost of {$260.00} back in XXXX of XXXX. I uploaded and provided a screen shot of the paid bill and a XXXX balance on my XXXX account per their app. Which is the same cost for the physical that I had one month ago. This is related to complaint # XXXX
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Hello, this is the following complaint of XXXX ( complaint ID ) which is Discover Card. There is no progress at all and I do not know how to update the complaint so I am making the new Complain. They told me that I made a purchase/payment in XX/XX/2020. However, I have been explaining this to Discover and also to XXXX multiple times that it is impossible to make because I closed the credit card in XX/XX/2020. Also, they guided me through everything so I just followed that how I got the account closed confirmation email. ( I attached closed confirmation email for the last complaint ) However, they were keep insisted on me that I made that transaction in XX/XX/2020. Therefore, I asked them the transaction detail ( not just the balance but the transaction detail ) about it before paying. I explained to them multiple times that it is unfair to say that I just need to make this payment without even knowing what happened because I was not even in the U.S and closed the account. ( I can provide the flight history as well ). XXXX agent told me that they will send the transaction details by mail and also email as well. Sadly, I have been lied again and again by the corporate. I have been doing this for three months now and when I got a call from XXXX yesterday, they did not even have an updated address when I provided multiple times from XXXX through XXXX. Also, I just talked to the Manager at XXXX and they were saying the same thing that they want me to just pay the amount without even showing me the transaction details. I think this is an obvious scam especially when I actively engaged and even call back to XXXX. Also, they said they will provide me the information but now they change the words and they just want me to pay without giving me the information. I told them multiple times that I want the transaction details, not just the balance. Even worse, I have been doing this for three months now and I can not even describe how frustrated I am.
Company Response:
State: CA
Zip: 90005
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have a charged off credit card reporting on my credit report for Discover ( card ending in XXXX ). I reached a settlement with them on XX/XX/2019 to pay a one time payment of {$7300.00}. In the settlement they stated that once the payment clears my bank account that they would consider this account settled for less than the full balance owed which was {$10000.00}. This was in a settlement from XXXX XXXX XXXX.
Company Response:
State: MN
Zip: 55904
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A