Date Received: 2021-08-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: 3 charges totaling {$1400.00} were made against my discover credit card. I have submitted a fraud complaint to the company which they closed. I have asked for copies of signed purchase receipts, which they have failed to supply.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Fraud or scam
Subissue:
Consumer Complaint: I purchased a secured discover card, but discover refuses to activate it ( XXXX ) last four #
Company Response:
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have a credit account with discover and they wont send me my card. its showing up on my credit report but I cant get them to verify or allow me access
Company Response:
State: NC
Zip: 27295
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
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 from my credit. 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. XXXX. Identity Theft XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: The XXXX XXXX XXXX XXXX IL charged me {$1500.00} without authorization, will not and have not provided a bill for the {$1500.00}. Also, the {$1500.00} amount does not show as a payment on any of XXXX XXXX XXXX accounting records provide to me. I filled a dispute with Discover Card and they investigated it, the XXXX XXXX XXXX did not provide authorization proof or bill showing what the charge was for to Discover Card. Later Discover Card told me over the phone that, I waited to long to file a dispute and they could not get the money back from the vendor so, Discover was not going to cover the cost of repaying me the fraudulent charge. The charge occurred on XX/XX/XXXX and I filed the dispute on XX/XX/XXXX. Discover Card validated the XXXX XXXX XXXX fraudulent charge on XX/XX/XXXX, telling me that the XXXX XXXX XXXX had informed them it was a valid charge without providing any proof. In addition, Discover Card informed me that I could file a dispute up to 5 years from the charge and I filed 9 month after the charge was made.
Company Response:
State: IL
Zip: 60641
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
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: When I contacted Discover Card regarding a refund from XXXX XXXX for bait and switch tactics they were at first very nice and cooperative and sympathized with me. Then they decided the opposite and went against me and then claimed they were no longer a credit card company but a " document company '' and thereby reversing my refund. XXXX has bribed Discover to never allow refunds, which is legalized theft. Bogus " credit '' with an airline simply is a lie as I have shown Discover and they continue to ignore the theft. Keep in mind I'm being punished for NOT allowing myself to be stolen from hence the cancellation of my trip when the price kept going up and up and up for no real reason so I just stopped the whole transaction and have to pay them for nothing and their claim of a credit is a lie.
Company Response:
State: CO
Zip: 805XX
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Once again, XXXX is reporting incorrect negative credit information regarding my mortgage with Discover Home Loan. They are stating we have been late for XXXX XXXX and XXXX, which I have consistently paid before the required date. There is a grace period which I have not gone past. Obviously no-one is going to pay their loan exactly on the XXXX of the month, and I am getting fed up with this consistently happening with Discover, who happens to be my second loan lender. My Primary lender, whom I have been paying the same time each month never seems to show up as a derogatory report. this is totally unfair and is affecting my ability to apply for new loans. I want this to stop. Past last fees should not be included as late payments, especially since we have been paying then off a little at a time. This is totally uncalled for. This loan in the amount of {$67000.00} is not even a quarter of the value of the home. This seems to be an attempt to punish us for past complaints we have filed with both Discover and XXXX.
Company Response:
State: NY
Zip: 10308
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I was in the hospital from XX/XX/XXXX until XX/XX/XXXX. During that time, my debit card was used very often, including online purchases, a XXXX XXXX, an {$1800.00} lobster dinner with two bottles of {$500.00} champagne, two packages for tanning, two packages for cryotherapy, a {$3300.00} cosmetic spa ( appointment/ day/ trip ), a XXXX item costing {$1400.00}, absurd lunches and dinners, a yacht cruise where the alcohol maximum was ordered as well as everything that could possibly come with it, a {$400.00} cake ( I called and the man there that day remembers two women or girls coming in to buy it. having sent him the card number from email and commented that he asked where the party was at and one of them replied " at my cousin 's house I get to do whatever and she's going to probably drop dead soon so if you want to come ) and then gave him my address, which when I asked if he would recognize the address if I told it to him, he said, I have it because they emailed me the card number and billing address, which was mine. The total amounts of all the unauthorized charges left me with {$8.00}. I was completely and totally put out with morphine because of the severity and I had gone through h*ll. I saw the texts from Discover the day I was discharged on the XXXX of XXXX, logged into my account and started to panic, scream and cry so I called Discover Bank, explained my situation and I had told them only to report unauthorized if it WAS NOT XXXX XXXX. I went to my local police station and made a report. The officer gave me a card With an incident number in his name but when I asked if I could have the police report he said you'll have to apply for that and it can take up to 45 days so I did and I paid for the report as well. I uploaded a picture of my request to obtain the police report in full because although I was told my medical documents, in which I sent five, would be enough as opposed to waiting 30-45 days, to make it enough to finalize the provisional credits they gave me which added up to {$42000.00}. The officer who took my report went over all my statements by having me email them to him and he printed them all out. He told me to go through all of them and whatever I didn't buy or authorize to mark. I found that mostly all things purchased including {$100.00} worth of gas three different times when I do not drive. He looked at the statements and said there are back pages to all the statements after taking a good look and calculating everything. After he noticed the back pages he said that something wasn't right. There was a week long break in charges of any kind, and that some of them were processed with my card present and even a few ATM withdrawals meaning he she or them had my PIN number, which I guess isn't that hard because it is my anniversary. But, still, it meant the person knew me and asked if I have a caretaker and I said I had one but as soon as I was rolled in a wheelchair to my spouse 's vehicle and I kept getting text after text about the debits, I told her to go have fun and not to worry about me and thanked her. I started calling her and got a generic voicemail every time and left message after message. I decided to call the agency she came from provided to me by XXXX XXXX and was free for me. They answered the phone eventually and I inquired about her. They said we have many first name matches but no last name. They said maybe she has a married or maiden name. I said thank you, but I knew in my gut that those two scenarios just couldn't be- one because she had facial piercings everywhere ( I am only judging her age by these observations ), she was tattooed from head to toe but especially because of large tattoos on her neck, one on her face and many on her fingers. She was never dressed in " women 's '' attire, but looked like she often wore purposefully ripped clothing and pants with black straps attached. I thought about those things that led me to believe she had not been married nor divorced, but I may be wrong of course. No matter the case, she wouldn't pick up the phone until I finally called and it was shut down or no longer in service. That is why I think it was her since she had opportunity and told the police so. The officer calculated {$16000.00} I had missed in money that was spent from my account. This person had to have had my checks, account number and my PIN at which time the officer explained " cloned cards '' to some degree. I showed him my medical documents stating the date of submission and the date of discharge and that no time during the period had I been discharged. I updated the Discover fraud department, they had already sent me a new card via XXXX that came in two days. Everything was looking a little brighter until XX/XX/XXXX when I began getting text message after text message from Discover ; however, this time they were one by one the reversals of my provisional credits. The entire fraud department had been wonderful to me and always said how badly they felt that someone would take advantage of someone having several surgeries inside a hospital room. They made me feel like it was their pleasure to solve this once and forever and that my medical documents absolutely proved I did not and could not have made those transactions in question. I contacted XXXX, my main point of contact and told her all my credits were reversed and she said, " oh no! Let 's see what's going on here ''. I held on the phone line and she came back on the line and said what they really need is that police report. I called the records department all week long and finally they released it to me about three weeks after applying to obtain it. I immediately called XXXX and while on the phone with me I uploaded to Discover the two page report and she went to get them and put me on hold, then came back on the phone and said she would speak with supervisors about reversing all the reversals of my credits. She told me to call back the next day, which is today and XXXX was not at work, but another fraud representative helped me out, I held the line three times then said he was going to call me back in 10 minutes. I said okay. He called me back and told me it is Discover Bank 's business decision to close my 11 year old Money Market Savings account accruing the entire loss of the charges made unlawfully, giving me no access to my accounts and also closed my online savings. I asked why and how they could do that and he said the supervisors feel it is in the best interest of the bank not to provide me with service anymore from today and therefore does not have to disclose anymore information nor receive phone calls from me at all ever again. These phone calls were al said to have been recorded and I am out {$42000.00} with no justification we to why they would keep my money like that and aren't I FDIC insured and the gentleman on the phone hung up. This is why I am writing this report.
Company Response:
State: CA
Zip: 904XX
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Dear Sir or Madam, With this message, please receive my most cordial of salutations, together with the best of wishes for you, your staff, and all your loved ones, during these challenging times. Today, I seek assistance from your agency, as exhaustive efforts have been made on my part in order to resolve this issue with both of the financial institutions, as well as the three credit reporting agencies - XXXX, XXXX, and XXXX. Last year, I attempted to apply for two secured credit cards. One was from XXXX XXXX XXXX, XXXX. and the other from Discover Financial. Given that both cards are secured offerings, I did not consider that my applications would actually generate inquiries. This was in part, due to the fact that I was on a mobile device. Nonetheless, both applications generated a hard pull to my reports. It appears that due to having no credit history, both triggered the need for additional steps to be taken. Where at one time I had stellar credit, I ended up having it ruined in the real estate crash of XXXX. For me, it was a source of embarrassment and I lost the motivation to try to plead my case with the bank. The fact that the credit report was pulled was a matter that did raise red flags, and I attempted to have these removed. More than anything else, it is the way that these inquiries are handled, for dispute/resolution purposes, with the credit reporting agencies. Normally, there is an option on their portal where one can simply dispute it there. In the case of these secured cards, this option is not available. Instead, one is required to take the additional step of reaching out directly to the bank and/or mail the separate agencies. Where in theory this seems perfectly fine, it does create an additional challenge that is not present in a traditional credit card product. The purpose that is both primary and universal of government is to protect the public. Credit affects one 's ability to obtain additional credit, finance endeavors, and contribute to the economy. Regulations are shaped, in a format of cause and effect and reflect the prevailing practices of the private sector. If this extra step were usual and customary for normal products and the challenges of removing these inquiries were commonplace, the public would speak and the respective government agencies would create a framework of laws that would create further protection for the public. Even in cases where the lender is not entirely to blame, and the consumer carries some degree of responsibility, that gray area is often tipped in favor of consumer protection. Coming from the actual consumer, this may be seen as a desire to have one 's way. Prior to arriving at such a position, as a seasoned traveler, I invite you to look up the Supreme Court case of United States v. Martinez-Fuerte. Here, the Court dilutes how strictly constitutional rights are to be applied at the border and within 100 air miles thereof, creating an advantage for the government. For further clarity please bear in mind that more often than not it is the other way around and may be argued, is expected to be. If the banks and agencies held consumers this strictly to their policies, legislation would reflect this. That is to say that they too benefit from this by avoiding further regulations and benefiting from this, in specific cases which we do not hear of. In the attached screenshot, what you will find are both inquiries and absent from them are the typical link to be able to directly dispute them on the portal. This holds true for all three agencies, and for the purposes of brevity, I won't burden you with all three. However, I do ask that you reach out to : 1. All three reporting agencies. 2. Both banks. The policies need to be reviewed with them and this needs to be corrected. Should you have any questions, please do not hesitate to contact me. The best way to reach me is via e-mail at : XXXX You may also write at : XXXX XXXX XXXX XXXX XXXX, Florida XXXX Thank you for your assistance in this matter. Sincerely, XXXX XXXX SSN XXXX -XX/XX/XXXX XXXX
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I, XXXX XXXX, entered a consumer credit transaction on XX/XX/2015 with Discover Financial Services. A consumer credit transaction in which a finance charge was involved. 15 U.S. Code 1605 defines a finance charge to be the sum of all charges. Consumer credit transactions do not require the exchange of federal reserve notes. Discover Financial Services has taken federal reserve notes since XX/XX/2015 from I, the consumer. Discover Financial Services, did not disclose all that was supposed to be disclosed to me during the consumer credit transaction like the opt-out option for third party communication pursuant to 15 U.S. Code 6802. Discover Financial Services have willfully and knowingly participated in abusive debt collection practices to I, the consumer which pursuant to 15 U.S. Code 1611 is a crime and shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Company Response:
State: MA
Zip: 01845
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A