Date Received: 2021-06-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX, a virus protection system, emailed me they were automatically renewing the service I had signed up for. The amount is small, only {$89.00}, but I did not agree to the charge and wrote to XXXX telling them not to renew the system. The XXXX system was using a credit card that was not in service, that had either been cancelled or replaced. The credit card company initially removed the charge while investigating, but without notifying me of their decision, decided to honor the charge and added back the {$89.00} charge to my Discover bill. I had previously notified Discover that it was impossible to reach XXXX either by email or by phone, and I had documentation saying I did not want this service removed, but Discover seemingly did not care either about my efforts nor did they verify the accuracy of my position.
Company Response:
State: FL
Zip: 34232
Submitted Via: Web
Date Sent: 2021-06-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-24
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: 11212
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have this account that does not belong to me and i want it t obe remove from my credit report asap. 1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine.
Company Response:
State: NJ
Zip: 07087
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Discover card is holding onto a payment of {$85.00} and not posting it account. I called Discover card customer service and I was told it could take two weeks. I have never had a returned payment in the past and account has been open almost two years. The funds have already been withdrawn from my checking account now for over a week. I feel this ridiculous. I want the payment applied immediately or the funds returned to my bank. Discover card or any bank for that matter should not be allowed to hold funds in limbo for 2 weeks or for however long they feel like it. This should be against the law and I feel further government regulations are required so banks such as Discover don't take advantage of consumers. I also had a slimier issue with XXXX XXXX but what XXXX XXXX did is the called my bank with me on the other line and they confirmed that payment cleared then they released the hold of funds on my XXXX XXXX credit card. Discover card should do the same as this is totally absurd.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: To whom it may concern, On XX/XX/XXXX, $ XXXX was ACH transferred from my account at XXXX ( XXXX ) to my account at Discover Bank ( XXXX ). XXXX is the original source of funds. On XX/XX/XXXX, I transferred {$74000.00} from my account at Discover Bank ( XXXX ) to my brokerage account at XXXX XXXX ( XXXX ), and my account at Discover Bank was closed. XXXX XXXX restricted my accounts on XX/XX/XXXX. They had not provided me with any reason or justification, until, finally, on XX/XX/2021, due to a FINRA complaint that I had filed against XXXX XXXX, I was informed that the reason for all the restrictions is that Discover Bank had sent in a request to XXXX to hold the funds, shortly after the transfer had occurred, and that they would not be able to release the funds until Discover Bank asks them to release the hold, or does a recall of the funds back to Discover ( please see attached, XXXX XXXX response to my FINRA complaint ). I contacted Discover Bank, on XX/XX/2021, and after talking to agents from the security department, I was told the reason they had sent in that request to XXXX XXXX was that XXXX ( original source of funds ) had sent in a recall request for the ACH to Discover Bank. I was told to contact XXXX to resolve the issue. As the background story, it is important to note that my accounts at XXXX were restricted due to suspicious activity on XX/XX/XXXX. However, after a complete fraud investigation, my account privileges at XXXX were restored on XX/XX/XXXX. Apparently, sometimes during the period between XX/XX/XXXX and XX/XX/XXXX, XXXX had sent out a recall request to Discover Bank for the $ XXXX that had gone out of the account, however, after their investigation was done, and my account was fully cleared, they had cancelled this request. This was confirmed to me, by the fraud agent at XXXX in charge of my case, Mr . XXXX, with direct number XXXX ext # XXXX, on XX/XX/XXXX. On XX/XX/XXXX, I contacted Discover Bank, and talked to their security department again. I informed them that I was told by XXXX that they have cancelled their request for the return of these funds. I provided the Discover Banks agent, direct contact information of Mr . XXXX from XXXX, in case they have difficulty confirming this information. After I was put on hold for a while, the agent was able to confirm that this information is indeed true, and XXXX is no longer requesting the funds back. I was then connected to another agent, I explained the situation once more, and asked for Discover Bank to cancel their recall request from XXXX XXXX, so that I finally have access to my funds. She noted everything down, confirmed with me that XXXX had cancelled the recall request for the ACH, and told me that she is sending this new information to the fraud investigator in their back office. I was told the investigation at Discover Bank is still ongoing, there is no time limit to these kinds of investigations, and I will be informed regarding the results via letter. I, however, do not find this response acceptable, since, as I was previously informed by Discover Bank, the main issue was caused by XXXX, and now that the issue has been resolved with XXXX, and it has turned out this was all a mistake, I must be provided immediate access to my funds that are being held away from me at XXXX XXXX by the request from Discover Bank. I have not had access to $ XXXX of my hard-earned money for over a month and a half. Now that the main cause of everything and all the issues at XXXX has been resolved, it is not too much asking from Discover Bank to just cancel their request from XXXX XXXX and allow XXXX XXXX to release my funds back to me. Please assist me. I have bills to pay, and I need access to my money as soon as possible. I, hereby, request Discover Bank to cancel their request from XXXX XXXX to hold or return the funds, and allow XXXX XXXX to release these funds back to me, and give me access to my money. Thank you for your time and consideration. -XXXX XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was a victim of XXXX crime. I am not responsible for this account.
Company Response:
State: NY
Zip: 10952
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
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. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
Company Response:
State: CA
Zip: 95355
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: Transactions are re-sequenced and come out of a my account a week later than they occur. For example, I purchased XXXX tickets on XXXX, XX/XX/2021 in the amount of {$97.00} and the amount wasnt withdrawn yet as of XXXX, XX/XX/2021. Almost all of my transactions are this way, and barely anything posts on the actual day the transaction was made. My previous bank closed but they didnt do this.
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
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: 11234
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2021 I lost my wallet at a gas station and upon receiving a message from Discover that I reported my card lost or stolen, which I did not, I contacted them and was told that someone found my card and wanted my # to contact me and was planning on dropping off my wallet to my leasing office, which he did. Since they were unable to supply my personal info, they took precaution and reported it lost or stolen on my behalf but when they did that, a new account number was created and reported to my credit with my current balance during my statement cycle. I have kept my utilization under 10 % at the time balance is reported to the credit bureaus on the XXXX of each month. I am not sure why they would report someone's balance during a statement cycle and before the payment is due knowing that the card may have been used. My score decreased by 72 points and they said the only alternative was to make an early payment so that they could report the new balance sooner than later but the update will not raise my score 72 points to its original score. The purpose of the Discover IT card is to help rebuild one 's credit so why when a card is reported lost or stolen, the account is submitted to the credit bureaus with the current balance which hurts one 's credit? My basis for this complaint are based on the below : Unfair Acts or Practices 2 ) The injury is not reasonably avoidable by consumers : I am unable to have my credit rescreened for a lower auto insurance premium and will have to pay a higher premium due to a new vehicle that I purchased. I will not be able to apply for loans, etc while I am in school due to the significant drop in my credit score. I was unable to avoid this situation because when my card was lost at a gas station, a customer found it and called Discover to try and get my information to contact me to retrieve the wallet. Discover took it upon themselves to report lost without notifying me. The customer was nice enough to use the address on my DL to drop it off at my leasing office but could have decided to not do anything if he did not want to take the effort to drive to the leasing office. This was also not reasonably avoidable because the Credit Reporting and Unauthorized Use section of the cardholder agreement does not state that if ( in this situation ) someone calls on a customers behalf to report it lost/stole that Discover will close the account, open a new open a new one and then report the current balance to the credit bureaus during a statement cycle which will have a negative effect on the credit score and utilization. Discovers current policy is deceptive due to the omission of the procedure and the fact that that it was acknowledged by 2 executive parties that they were unaware of this sort of complaint and the credit liability it has on its customers. The lack of information on the cardholder agreement and website is more than likely to mislead consumers. As noted on a phone call with XXXX, the Discover executive and the response received in a BBB complaint filed, Discover agrees that my reaction to their policy is reasonable and understandable and unavoidable due to their lack of disclosing their lost/stolen credit card policy. This act or practice is abusive because there is ( according to Discover ) no remedy to this situation.
Company Response:
State: TX
Zip: 75082
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A