Date Received: 2021-07-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2021, I purchased two salt scrubs and two jars of body butter at the XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX. I authorized a purchase by giving my phone number and my electronic signature. At that moment, I did not see the final price nor the corresponding items linked to that price, nor the non-refundable policy notice. The final price was {$270.00} with the receipt of " no refunds, '' that I found in the bag later that day. A representative of the store then took my credit card and went somewhere, as she said, " there is no internet connection here ; let me try in my office. '' I followed her as she held my credit card. She told me to wait in some cubicle while she " was investigating '' the internet connection. She might charge my credit card two more times without my further awareness for the amount of {$370.00} and {$210.00}. I requested to return my credit card and stop giving me " complementary goods and services. '' She was pushy and insisted she would give me some " complementary goods '' anyways. Only when I insisted on leaving and refused to receive any goods would she mention no refunds were available, and I could only exchange the items. I left the store in shock. After seeing two more charges on the credit card account, I called the credit card, Discover, the same day, XX/XX/XXXX, to immediately close my credit card and initiate a fraud dispute for the amount of {$370.00}, {$270.00}, and {$210.00} ( including the initial authorized purchase ) because the store representative might use my credit card without my notice after the initial purchase. At first, the Discover Fraud Security and Protection Office escalated the issue with their department. They closed my credit card and provided the new one. After several phone calls with Discover, the issue was suddenly de-escalated to the billing disputes department. The Discover billing department temporarily credited the disputed amount during the investigation. Still, the Billing department bounced the {$370.00} back on XX/XX/XXXX to the personal account, stating that they can not charge back the disputed amount since they could only follow the merchant 's non-refundable policy. I inquired about escalating the issue back to the Fraud office. According to the fraud office representative 's knowledge, she could not do anything about the charges since the charges do not constitute any fraudulent activity. I'm afraid I have to disagree with Discover 's statement for the following reasons : First, the listed charges do not show the correct correspondent price/amount for the purchased goods. Secondly, the charges for goods were made that I did not accept, and they were not delivered as agreed based on the initial purchase. Thirdly, the merchant 's representative failed to provide any return policy before making the purchase and failed to mention the price of the goods upon request ( only discounted percentage rates and complementary goods were mentioned ). I made several attempts to communicate with the merchant by visiting the XXXX XXXX XXXX on XX/XX/XXXX. Unfortunately, there were no representatives of the store present. I communicated with the security officers to let them know that I would like to dispute the charge to witness that I was present there with the goods to return. Additionally, I attempted to call the local XXXX manager the same day, no response followed. Finally, I called the general manager of the XXXX XXXX XXXX on XX/XX/XXXX to initiate the investigation of the merchant 's sale practices upon Disover 's suggestion. I was provided with the following owner 's contact information : XXXX XXXX, XXXX, XXXX ( not a corporate email ). I was able to reach XXXX. They acknowledged that there was indeed an internet connection problem in the mall, " the technical difficulties happened, '' they were willing to refund me. XXXX told me that her secretary would call me back by XXXX XXXX local Eastern time. I called back around XXXX ; they told me they would call me later. After calling and waiting for the store owner and the XXXX XXXX XXXX manager, no further response or investigation on their end followed. I emailed XXXX XXXXXXXX Ohio too. I am contacting the Consumer Financial Protection Bureau as the last possible contact for help since Discover refused to initiate a fraud dispute. I am asking you to investigate the issue as soon as possible. I appreciate your understanding.
Company Response:
State: OH
Zip: 446XX
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This is the third complaint I filed against this company, and they still refuse to provide an answer/solution ( Please see XXXX and XXXX ). Although I understand the process behind the garnishment process, Discover has failed to explain the fact that they did not notify me of the garnishment, effectively denying me the opportunity to challenge the garnishment before the funds left my account. I never received any notifications, only an email indicating that an official check had been issued. It turned out that the garnishment order was illegal since it was based on a fraudulent tax return and I am now fighting to try to get those funds that were illegally released by Discover. This is the last attempt I am making to ask to discover to recall said funds, since they failed to properly notify me of the garnishment, thus denying me the opportunity to address this issue before the funds left my account. Discover must recall the funds from the state of California since it released them pursuant to an invalid and illegal garnishment order. This is my last attempt before filing a lawsuit.
Company Response:
State: NY
Zip: 11372
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
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 a purchase in the amount of {$1100.00} at XXXX XXXX XXXX on XX/XX/XXXX. Due to COVID-19 the vacation was delayed and eventually cancelled. XXXX refunded the amount of {$1000.00} on XX/XX/XXXX, minus the cancellation fee. I have called repeatedly for over a month inquiring about the return and was repeatedly told by Discover that the funds were never returned to Discover by XXXX. However, when I would call back to XXXX they would assure me that the funds were returned to Discover. In the process I have spoken to over 25 Discover associates and have been told either that they were looking into it and would call me back, but then I would never get a return call and would have to start all over, or they would forward me on through several associates until finally one would just tell me they did not have my money and could not help me and would refer me back to XXXX. I went back and forth between the two companies numerous times, with XXXX giving me more and more information about the return up to and including a screenshot of the refund capture screen. I have repeatedly offered to email on to Discover all the return information and proof I received from XXXX and was told by Discover that they could not accept emails. I finally managed to get someone from Discover to accept the emails 3 days ago and was told once again that they would look into it and call me back. This time I made sure they told me the date and time that they would call me back. It is now 4 hours past that time I was told they would call me back and I have not received a phone call nor have the funds been credited to my account. At this point, I am of the opinion that the company has no intention of ever returning my funds. Not to mention that I have been accruing interest charges on my account for these purchases for a month and a half even though they have had the funds the entire time. All I have received from their company is excuses, delays, and lies.
Company Response:
State: ID
Zip: 83713
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: XX/XX/XXXX Discover contacted my mother about an owed debt. They are trying to reach me. They gave her the last 4 of my social and the amount owed. He said the last charge was XX/XX/XXXX at XXXX and it was opened in XXXX. He told her that it had to be paid by XX/XX/XXXX or its going to legal.
Company Response:
State: NC
Zip: 28806
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: i CONTACTED DISCOVER CREDIT SERVICES BECAUSE I HAD A HARD INQUIRY ON MY CREDIT REPORT THAT I DID NOT MAKE. I SPOKE WITH A REPRESENTIVE AND SHE GOT MY SOC SEC NUMBNER AND COULDNT FIND ANYTHING IN HER SYSYTEM WITGH MY SOC SEC NUMBER. I WAS DIRECTED TO GET IN TOUCH WITH THE XXXX CREDIT REPORTING AGENCIES. AND SHE MADE A NOTE ON HER COMPUTER AND TRANSFERED TO A WOMAN WHO WAS VERY ABRASIVE AND DID NNOT WANT TO HELP STATING " I DEAL WITH PEOPLE WHO HAVE ACCOUNTS.. '' AND I WAS DISCONNECTED
Company Response:
State: PA
Zip: 18102
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I closed this discover account in XXXX XXXX XXXX and there was heavy fraud on the account and to find out the card was being used since and now has a high balance of {$11000.00}. And they're trying to make me responsible for this.
Company Response:
State: CA
Zip: 95377
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is my statement to report four offenses. Data breaches, violations of FCRA law, Identity Theft, & fraudulent addresses reporting to XXXX, & XXXX. I have taken matters into my own hands with hiring of private investigative resources that have supplied me and my legal team concrete & substantial evidence related to the Identity Theft, fraudulent addresses and compromised identity that had to be reported stolen. I filed a DS-64 report for the compromised stolen ID to prevent any damage and had new GOV issued identification issued out of an abundance of caution. Given new evidence that has been presented to me if these violations are not corrected, I'm prepared to pursue legally made pursuant to Section 615 ( f ), Section 623 ( a ) ( 2 ), 623 ( a ) ( 6 ) & Section 605B of the FCRA. Please update your records and stop reporting inaccuracies in relation to these offenses. The new evidence supplied to me by my team overwhelmingly links the fraud and proves that my information was exposed in not just 1 but multiple data breaches which have caused me massive turmoil.
Company Response:
State: TX
Zip: 75080
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I received a bill from Discover indicating I owed payment after I refinanced loans in full with a different company. I paid off loans that I co signed via a refinance through XXXX. XXXX issued Discover Student Loans one check in the amount of {$60000.00}. The refinance specified my account number consistent with this amount. Discover claims they only received a portion of the payment ( $ XXXX ) and paid off only one of the loans under my account. The rest of $ XXXX can not be located according to Discover. They claim they only received $ XXXX although the XXXX issued one check to Discover in the amount indicated above. XXXX verified the disbursement with Discover on the phone line and verified the account the check was to be applied to. Discover claims they do not have record of receiving the check for {$60000.00} although the applied $ XXXX to one of my accounts.
Company Response:
State: OH
Zip: 43607
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-11
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: XXXX XXXX charged my credit card for XXXX. Discovery send code to verify purchase to my old phone number which I change XX/XX/2019. I sent Discovery Fraud my XXXX phone records to show them They response after their in gestation my phone my number and said if I get more proof send it to them. HOW MUCH MORE PROOF DO YOU NEED.Phone records are good enough Police case number District Attonery XX/XX/XXXXFTC case number
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: I, XXXX XXXX, have taken actions to close my Discover Bank account from XX/XX/XXXX. A scammer/criminal gained unauthorized bank codes and identity verification codes and submitting a fraudulent cashier 's check into my mobile banking app on XX/XX/XXXX. From XX/XX/XXXX, XXXX XX/XX/XXXX, suspicious activity was present considering specific transactions such as unauthorized wire transfer and using the XXXX client under Discover Bank mobile app under two different alias. The sole intent was a scheme to defraud and mislead in order to cover up their true identity. Both of my accounts have been officially closed on XX/XX/XXXX.
Company Response:
State: NC
Zip: 28540
Submitted Via: Web
Date Sent: 2021-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A