Date Received: 2021-06-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: This Discover account has been reporting to my credit file since 2018. I have fi police reports with my local police department and an identity theft report with the Federal Trade Commission. I sent all these documents into Discover and they are still reporting this fraudulent account to the credit bureaus! This is crazy! I had my identity stolen and these people are still harassing me over what a criminal did in my name. Discover should have stopped reporting this account once they received my police report.
Company Response:
State: FL
Zip: 33905
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: 2021-06-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
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: 11235
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Purchase date : XX/XX/XXXX Amount : {$4300.00} I purchased a designer purse from XXXX on XX/XX/XXXX & the XXXX seller listed the purse incorrectly. The seller admitted to listing it incorrectly & agreed to return it. All communications are documented between XXXX, XXXX & Discover. After getting really nowhere with XXXX & XXXX on the return, I opened a dispute to my credit card company ( Discover ) for help. XXXX : Dispute submitted to Discover after getting the run-around from XXXX for almost 2 months from the transaction date Uploaded all documentation providing details from XXXX that they would issue a full refund on XXXX once the purse was received back XXXX : Uploaded documentation to Discover dispute site to show that the address provided by XXXX was wrong & emailed seller directly for her address XXXX : Uploaded documentation to Discover dispute site to show that the package came back to my home & requested what to do with the package XXXX : Uploaded documentation to Discover dispute site to show that the seller agreed to the return & included the screenshot from XXXX XXXX : Seller agreed to the return. The seller provided a notification from XXXX that they sided in my favor XXXX buyer : XXXX ). The money would be deducted from the sellers account on XXXX XXXX : Uploaded documentation to Discover dispute site to show that the accepted the return & that the case should be resolved in my favor since the seller had confirmed the purse was returned in perfect condition which would warrant a full refund XXXX : Discover said they sided in favor of XXXX XXXX representative stated on XXXX that the money was removed from the sellers account & back to XXXX on XXXX Ebay screenshot of this communication showing the money was deducted from the sellers account Seller confirmed on XXXX that the money was deducted XXXX : Spoke with Discover account manager Apologized that a previous account manager told me to return the purse Arbitration did not side with me/sided with XXXX & XXXX XXXX deducted the money from the XXXX seller on XXXX Reiterated that I had uploaded documentation Discover dispute site on XXXX stating that XXXX would refund the money XXXX Spoke with Discover dispute specialist to follow up with the status of my case Account Specialist said they would escalate to HQ since Discover account specialist said to return the purse Discover dispute specialist stated a dispute supervisor would call me in <48 business hours - supervisor never called Ongoing communications to Discover in XXXX & XXXX spoke with account specialists, they told me to return the purse. The purse was returned & confirmed return on XX/XX/XXXX. All conversations were recorded by Discover Documentation uploaded to Discover dispute Subject line : XXXX status update - XXXX seller confirmed receipt of package.pdf.pdf In summary, I wouldnt have returned the purse until I received a refund from Ebay>Paypal>Discover. The only reason I returned the purse is that I was strongly encouraged by Discover account specialists to work with the seller to return the purse - all of these calls were recorded. I do not have the purse & I am out the money + paying interest on my credit card - Discover has done very little to help the consumer in this situation. Discover closed the dispute after countless documentations outlining that the purse had been returned & XXXX had agreed to refund my money on XX/XX/XXXX. The seller confirmed receipt of this purse on XXXX. All documentation was uploaded to Discover.
Company Response:
State: AZ
Zip: 85018
Submitted Via: Web
Date Sent: 2021-06-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-26
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 XX/XX/XXXX, XXXX, through their payer source XXXX charged a deposit of {$2400.00} for a river cruise to my Discover credit card. The cruise did not happen due to the covid crisis. On XX/XX/XXXX, XXXX, through their payer source XXXX refunded {$2700.00} to the same Discover account. I never received the refund to that account because the account had been closed in early XXXX due to a fraudulent charge made on that account. I was issued a new credit card number through Discover. Discover claims they can't see any information involving the initial account. I have spent hours on the phone and in on-line chats with a whole host of Discover personnel since XXXX. I have gotten nowhere - Discover denies having received the money and then the last time I spoke with a Discover representative I was told they had returned the money to XXXX but refused to provide any proof of this transaction. XXXX states they have not received the money from Discover. I am attaching my letter to Discover on XX/XX/XXXX, the statement with the initial charge, a letter from an XXXX represnetative, and transaction records of both the charge and the refund from XXXX. I need help and am hopefully you can assist me.
Company Response:
State: IN
Zip: 47401
Submitted Via: Web
Date Sent: 2021-06-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
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: CA
Zip: 90278
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
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: 10950
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-26
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 XX/XX/2020, through a third party ( XXXX ), with my Discover credit card through XXXX, I purchased a hotel reservation for the dates of XXXX XXXX XXXX at the XXXX XXXX XXXX in the amount of {$1100.00}. On XX/XX/2020 due to the Covid pandemic, XXXX XXXX XXXX and its XXXX closed. I contacted XXXX requesting a refund and it was denied. I sent multiple correspondence requesting a refund or a credit to use at a later date and was denied. I filed a dispute and complaint for a refund from my Discover card stating that I did not receive this reservation because the resort was closed. According to XXXX 's terms and policies ( which I will attach ) if the hotel is closed, XXXX and its supplier will find me equal accommodations. Since this was not possible, XXXX was to refund my money, which they did not. Discover, investigated my complaint for months and found it to be a valid charge and refused to refund my money. There was no dispute that I made the purchase, the dispute was that I did not receive the product/service I paid for. After I received Discovers final refusal decision, I contacted XXXX again and they agreed to give me a voucher for another reservation. I went to their website to redeem the voucher and their website no longer exists. XXXX is based out of XXXX and I was unable to contact them via telephone. I will upload all correspondence and emails verifying closure of the resort and XXXX and Discovers refusal to refund my money. Thank you for your time with this matter. I was unable to upload this initial communication document, so I copied and pasted it here. Messages Ticket ID # XXXX XXXX XXXX Customer Support Specialist XXXX ( you ) XXXX XXXX, XXXX XXXX XXXX ( you ) XXXX XXXX, XXXX XXXX XXXX ( you ) XXXX XXXX, XXXX XXXX XXXX ( you ) XXXX XXXX, XXXX XXXX XXXX ( you ) XXXX XXXX, XXXX XXXX Due to the Corona Virus, XXXX XXXX XXXX will he closed until XXXX. This was not our choice and I want a full refund for our reservation. Please advise D I am still waiting for my credit card to be credited for the amount of this reservation because XXXX XXXX closed due to the Coronavirus ... ..please let me know what is going on. D XXXX XXXX resorts are closed. Please refund my money. D I originally created this ticket XX/XX/XXXX and haven't heard anything. I need someone to respond back and let me know when I will be credited for this reservation. D I will have to contact my attorney and my Discover card to force you to respond to me and refund my money! XXXX Dear XXXX XXXXGreetings from XXXXPlease kindly be informed that we have contacted our hotel supplier as per your cancellation request and we will be updating you as soon as we get their response.Please note that we can not guarantee the refund, however, we will do our best.Please do not hesitate to contact us if you need further assistance.Best RegardsXXXX XXXX ( Mr ) Customer Experience SpecialistA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX - XXXX : XXXX XXXX Dear XXXX XXXXGreetings from XXXX.We regret to inform you that despite our best efforts, cancellation fee waiver request was rejected by our partners due to the strict voucher conditions.We appreciate your kind understanding.Please don't hesitate to contact us for any further inquiries.Best regards.XXXX XXXX ( Mr ) Customer Experience SpecialistA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX : XXXX XXXX XXXX ( you ) XXXX XXXX, XXXX XXXX I DIDN'T cancel!!! The hotel closed due to the Coronavirus! How can you not refund my money!!! This is absolutely ludicrous! Sent from my XXXXOn XX/XX/2020, at XXXX, XXXX XXXX & XXXX ; XXXX XXXX XXXX ; wrote : Dear XXXX XXXXGreetings from XXXX.We regret to inform you that despite our best efforts, cancellation fee waiver request was rejected by our partners due to the strict voucher conditions.We appreciate your kind understanding.Please don't hesitate to contact us for any further inquiries.Best regards.XXXX XXXX ( Mr ) Customer Experience SpecialistA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX - XXXX : XXXX XXXX ID : XXXX ID : XXXX XXXX Tracking Number : XXXXXXXX XXXX XXXXXXXX ( you ) XXXX XXXX, XXXX XXXX It wasn't my request!!!! The hotel closed! How was I supposed to go!?!?! Sent from my XXXXOn XX/XX/2020, at XXXX, XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; wrote : Dear XXXX XXXXGreetings from XXXXPlease kindly be informed that we have contacted our hotel supplier as per your cancellation request and we will be updating you as soon as we get their response.Please note that we can not guarantee the refund, however, we will do our best.Please do not hesitate to contact us if you need further assistance.Best RegardsXXXX XXXX ( Mr ) Customer Experience SpecialistA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX - XXXX : XXXX XXXX ID : XXXX ID : XXXX Tracking Number : XXXX
Company Response:
State: OH
Zip: 44266
Submitted Via: Web
Date Sent: 2021-06-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-25
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: My Claim Letter Against Discover and XXXX In XXXX I incurred a health emergency that left me unable to work until the fall of XXXX, albeit part-time was all I could find. When I first became ill, I had no idea that it would not be weeks to heal but months to even regain my strength. Instead, I had to use my savings and credit cards to help me with necessities and eventually had to go on food stamps and other forms of government assistance to get by. This financial hardship lasted longer than I expected, and there came a time when I overdraft my bank account over and over again. I was broke. Then, Hurricane Florence hit, and I was displaced. Because of the kindness of a neighbor, I did not become homeless and was safe. However, I still didn't have any money coming in for another month. Thus, I still couldn't pay my bills. With the exception of Discover, companies and people went out of their way to work with me. They allowed me to rebuild my life until I could pay them back as I promised -- as soon as I got back on my feet and could take care of myself again. However, Discover ended up " selling '' my debt to XXXX and XXXX, XXXX. after Discovered had charged it off. Before I knew that, I had reached out to Discover multiple times in the past, explaining my dire situation. Yet, every time, they asked me to pay at least three to four-figure amounts, which I did have. By the XXXX of XXXX, I had all of my debt paid except Discover. Even though the amount was charged off, I wanted to make it right and try to settle for less by making a lump sum of XXXX ( that took me months to save ) and then pay about another XXXX in payments. I didn't expect to settle an XXXX debt for XXXX ; it was just where I could start. Although, when I called Discover to make arrangements, they told me that I would have to deal with XXXX. So, I called them, explained the situation. They asked me if i could pay them XXXX to settle ... XXXX sigh ) They accepted my lump sum of XXXX and then payments of {$200.00} for five months. The person I spoke to, " XXXX, '' told when my debt was below XXXX, they would consider making a settlement with me. I expected that I would be contacted in XXXX with an offer or a letter to call them -- that is what I understood. I am on a " Do Not Call List ''. However, I welcomed them to contact me via email or D.M. They sent me monthly notices, so the company knew they could contact me by sending me a letter. However, instead of sending me an offer, they served me a summons on XX/XX/XXXX. I called the company to get clarity. I was hoping to speak with the attorney who filed the claim. However, " XXXX '' picked up the phone and proceeded to " strong-arm '' me with words such as, " You've missed your last two payments. '' Even after I told her that I did not. I paid what was agreed to and would like a new offer. She was aggressive when trying to get me to make a payment. But, my main focus was trying to find out why they chose to serve me rather than send me a simple letter. Moreover, I didn't have any information that if I made a payment, they would not sue me. Hence, I didn't feel comfortable making a payment of any kind. I wanted to talk to a lawyer to know my rights in this situation. As I was trying to hang up because I wasn't being heard, someone named " XXXX '' interjected himself, abruptly, into the conversation. In seconds, he told me they were starting papers to sue me. I said, " You already did. I got the summons tonight, which is why I called. '' I told him I would call back tomorrow after I had more information and checked my budget to see what I could pay because I don't get paid much during the summer. I am a XXXX XXXX XXXX teacher, and I work at a small private school. I don't get benefits, paid for holidays, nor any breaks. I am teaching XXXX XXXX, but I am not working any more than 15 a week. Yet, my bills are all the same, and my rent will increase in XXXX. I am still trying to rebuild my life from my hardship, which began in XXXX and lasted until late XXXX. I am a single XXXXyear-old woman, and I have no one but me to rely on. I have no family or friends who can help me with money. It's just me. Because of what happened to me, I have no savings or retirement. I am scared every day that I'd be ruined again if I have another emergency, as I did in XXXX. I am not expecting to get the XXXX or so all written off, albeit that'd be a miracle. I know the amount has already been charged off and taken as a loss by the company. In some ways, the tax law allows them to benefit from these losses. So, I don't understand why they can't settle 30 % to 40 % of what I owe, allowing me to make the payments, which I know I can make.
Company Response:
State: FL
Zip: 34232
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-25
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Beginning XX/XX/2021, I received an email regarding my Discover card account that it was suspended from use, pending verification of some kind of tax records for the IRS. I submitted the required forms, then called Discover customer service or two different occasions on XX/XX/2021 to get an explanation of why my account was suspended. I have paid off my account monthly without hardly ever carrying a balance and have used it responsibly. If they wanted to verify my current income, I could have easily provided pay stubs from my employer, but instead they have not given me a reason as to why this sudden verification must take place, and the explanation was that it was a random automated verification. However, I noticed I was singled out after a request for a credit limit increase, which they provided instantly online with their system online, as well as approving an additional card to use. Both times I spoke to the accounts verification team I was terminated from the calls. I was upset and told them I may want to just close the accounts due to this inconvenience, and they I was abruptly hung up on, and no return call was attempted. I have also messaged them through their app with resolution, and they told that I was informed my account would be suspended for 5-7 days verbally, but never was informed verbally of this action, only by email after the account was already suspended. Pursuant to local state and federal laws, I believe I am singled out for discrimination.
Company Response:
State: TN
Zip: 37323
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Discover is reporting an account on my file that I do not recognize. I recently took a look at my credit and noticed there is an old account there that it says I'm an authorized user on. I do not recall ever being added as an authorized user and this account was not put by me.You have nothing bearing my signature. This needs to be removed.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A