Date Received: 2021-06-29
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response:
State: NY
Zip: 10952
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX XXXX, 2021 Discover Financial submitted a hard inquiry and pulled my credit without authorization. I spoke to Discover Financial and they removed this hard inquiry off my XXXX and XXXX and they refused to remove it off of my XXXX credit report. I filed a police report to investigate this fraudulent activity back in XXXX. Discover Financial did not have my permission to pull my credit.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone stole my identity and opened many accounts without my permission or authority.
Company Response:
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: My card was declined even though I knew I had just paid the bill and was in good standing. I called Discover Card customer service and they told me they had closed the account because the Social Security office had reported me as deceased on XX/XX/2021. My husband did die on XX/XX/2021. Discover Card representative told me I could have the Social Security office conference them in and give them a verbal authorization, then they would simply reinstate the card. After several days of trying to reach the Social Security office, I still have been unable to speak to anyone who can take action on this. In the meantime, not only do I not have my husband 's survivor benefits, I also have no credit card. The soonest the Social Security office ( and apparently this must be done locally ) could speak with me was in a telephone conference on XX/XX/XXXX, nearly two months after his death. I am unsure at this time how many other of my credit cards may be affected although I know that my XXXX XXXX and XXXX XXXX cards were cancelled immediately. I pride myself on having excellent credit and this in addition to being unable to order things I need until an unknown future date is financially and emotionally a hardship.
Company Response:
State: KS
Zip: 667XX
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies. 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 7. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 8. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 9. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 12. Identity Theft DISCOVER FINANCIAL SER Date of inquiry : XX/XX/XXXX This is not mine. 13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 14. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 15. Identity Theft XXXX Account Number : XXXX This is not mine. 16. Identity Theft XXXX Account Number : XXXX This is not mine. 17. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 18. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 19. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 20. Identity Theft XXXX Account Number : XXXX This is not mine. 21. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 22. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 23. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 24. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 25. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 26. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 27. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 28. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 29. Identity Theft DISCOVER Date of inquiry : XX/XX/XXXX This is not mine. 30. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 31. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 32. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 33. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 34. Identity Theft DISCOVERBA Date of inquiry : XX/XX/XXXX This is not mine.
Company Response:
State: NJ
Zip: 07108
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Have been a Discover Card holder since the XXXX 's and somehow missed a payment for a {$110.00} purchase in XX/XX/XXXX. I schedule my payments in advance so don't know why it didn't go through - perhaps a glitch in their software. Paid for the {$110.00} purchase but was charged {$31.00} ( 27 % of purchase ) in late fees. When I didn't pay the exorbitant fee, another {$31.00} in late fees was charged the following month ... no purchases had been made ; it was simply a late fee and interest on the prior month 's late fee and interest only - now accumulating to {$60.00} in fees on a {$110.00} purchase ( 52 % of purchase ). When I called to get fees credited, I was told they could credit the first {$31.00} but I would have to pay the second fee on the first fee that was being credited! I am a XXXX XXXX and have been a long time cardholder with an immaculate payment history. I told them to close the account and that I would not pay it and was told the fees would just keep accumulating month after month. Discover used to be consumer friendly - seems like they're more into bullying these days.
Company Response:
State: MO
Zip: 63128
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I had a previous Discover credit card account that was discharged in bankruptcy court under Chapter XXXX bankruptcy on XX/XX/2020. I have applied for a Discover Secured credit card so I can build my credit. Discover keeps denying my applications for credit due to the previous Discover credit card account I had with Discover and the fact, the previous account was discharged in bankruptcy court. Discover is discriminating against me by denying me credit. Thiss a major infraction and violation of the Equal Credit Opportunity Act ( ECOA ) under federal law. A representative from the U.S. Department of Justice informed me they are going to investigate my complaint against Discover and open up a federal investigation into Discover business practices.
Company Response:
State: MN
Zip: 55343
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In the response from the XXXX stated that I offered to pay to the delete never did say that maybe you should listen to the recorded call, I asked did the company offer a pay to delete never did I offered to pay the debt or agree to the debt. Your company is providing false information.
Company Response:
State: OK
Zip: 74055
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
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 off XXXX for {$1800.00} on XX/XX/2020. The item was received in a used state with a damaged delivery box. I began the return process to refund the item as it was not safely useable due to possible shipping damage. XXXX gave me an RMA, and I returned the item in a undamaged and smaller box. After a two week time period, XXXX did not refund me my money. They stated they never received the item. I have three forms of Proof of Delivery from XXXX showing the item was delivered and signed for by XXXX Dock personnel. XXXX instructed me to dispute the charges with my bank/credit card as they would not refund me the money. I opened a dispute with the credit card holder, Discover Card, and on XX/XX/XXXX, received a chargeback credit. Due to the fact that XXXX had an open return/refund on that card, the chargeback registered as a refund in XXXX 's system, despite it being a temporary credit. I submitted many documents to Discover Card including the three forms of proof of delivery. Discover card immediately sided with XXXX. We went through three separate investigation 's each time, I received a temporary chargeback credit that was taken away and the funds reapplied to my account the second XXXX replied. XXXX responded every time with a different story. First, the item wasn't received. The second time, the item was the wrong item cause the weight was off by .XXXX. This weight difference taken from the XXXX proof of delivery was caused by the fact that I had to send the item back in a slightly smaller box due to the fact the original was destroyed. The item itself weighed XXXX. Then they stated they had already refunded me on XX/XX/XXXX. Discover Card stated this was not a refund but it was the chargeback credit. The dispute was settled in XXXX 's favor despite my overwhelming evidence that I had returned the proper item and followed all of XXXX 's rules. I tried on multiple occasions to settle the matter with XXXX but they continued to tell me they couldn't find the item. Discover Card told me there was nothing more they could do and I would have to pay the charges. So I went to XXXX again and attempted to work a settlement. They stated that since they were in the process of refunding me when I started the dispute, this interrupted their refund process and essentially canceled it. Due to the fact that the card is now associated with a dispute, it is considered a compromised account and they can't send another refund. They also state that they never received a credit back from Discover Card and it shows that they refunded the money to my card on XX/XX/XXXX. Despite that, I still have a charge for {$1800.00}. Discover Card states they processed XXXX 's charges. I have asked four times for them to send me documentation regarding this matter, and I have received nothing. Discover Card refuses to email me any form of proof, insisting it all has to be done by mail. They won't talk to XXXX, and XXXX won't talk to Discover Card. I have been playing middle man since XX/XX/XXXX, trying to resolve an issue within their systems. As of now, XXXX has told me they are escalating my case ( This is the tenth time I have been escalated and never contacted via phone or email ). I have no item, and still have a {$1800.00} on my card. During the time of all of this, the original card ending in XXXX was flagged for other fraudulent charges by their system and Discover Card immediately sent out a new card with a different number. They stated this would not affect any refunds applied to the old card. Discover Card should never have sided with XXXX in this dispute. I gave irrefutable evidence of returning the item. XXXX could never get their story straight. This item was either lost or stolen in the XXXX Nevada Sorting Facility and I am being stuck with the bill.
Company Response:
State: CO
Zip: 80134
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Opened unfunded checking account with Discover Bank on XX/XX/XXXX with intent to fund account with deposit of check on XX/XX/XXXX. After submitting mobile deposit on XX/XX/XXXX, got message that funds would not be available until one week later on XX/XX/XXXX. Had not been informed of hold on check deposits when I opened account or before I submitted the mobile deposit. Was informed today by issuer of check I deposited that Discover has my money but they refuse to make my money available to me before XXXX. Direct deposit of my social security check will also be made to this account on XXXX and I will be closing this account on XXXX. Stay away from Discover Bank
Company Response:
State: VA
Zip: 23701
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A