Date Received: 2023-11-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XXXX, I received a Discover Bank credit card for {$500.00}. I fell behind in payments for several months and the amount was placed in collections. I have reconciled this account and paid off the amount owed. The account still shows on my credit profile. I have attempted to reconcile this by contacting Discover Bank via phone and I was offered no solutions. Instead, I was told to get help from a " credit specialist. ''
Company Response:
State: AK
Zip: 997XX
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
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 XXXX I made an online purchase of a shower kit with my credit card Discover. I requested the item to be cancelled a few days after due to the long period of time to be delivered. I was advised by the merchant that I could refuse the package upon delivery and that I should get a refund after. The item was left porch without notice under the name of someone else but with my address.Since it was a large item there was no way for me to take it anywhere in my vehicle. I saw labels from XXXX XXXX with a number to call in order for the item to be returned. I called the number and was able to arrange a pick up that was done on XX/XX/XXXX. I contacted the merchant by Email which is a third party vendor named XXXX XXXX which apparently orders from XXXX XXXX and act as its the seller. I was advised that onces it got back to the warehouse I should be receiving a refund, which I never did. I then decided to open a dispute with Discover and submitted all my proofs of shipment labels and Email communications from this merchant for them to help me resolve this case. As of now, I still have not been able to get my refund back. Discover keeps stating that the merchant stated that the item was a final sale and it couldnt be refunded. Discover keeps referring me back to the merchant to get this issue resolved. But per Email conversations from the merchant I was advised and authorized to send the item back for a refund which I did. I was able to obtain receipts from XXXX XXXX that the tem was received and that the merchant received the purchase money back to his account but its not refunding my money. All those proof were submitted to Discover for them to resolved the dispute. No resolution has been made until this date. I recently reported this business to the bureau because I feel I was scammed. I was made believed that I could returned the item for the merchant to keep the money and the merchandise. Please help me get this resolved, this bank is not willing to proceed with doing anything else after multiple calls and speaking to different account managers. They are not considering that Im the consumer and customer suffering loss from this issue. I am a single mother with XXXX kids and can not afford this loss of money. I feel Ive been treated unfairly by this bank and need this organization to make things right since I dont have any hope from the merchant or this bank.
Company Response:
State: FL
Zip: 34638
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: Hi, I stayed in a hotel ( XXXX XXXX XXXX XXXX ), XXXX for a night during my travel. Booked in XXXX XXXX for XXXX night XX/XX/ ( checked in at night XXXX ) and checked out XXXXMy charge was right from XXXX However I gave my credit card in front desk for security deposit. Later after XXXX days on XX/XX/, I was charged additionally for XXXX. I tried reaching to hotel and discover credit card to dispute the transaction. Hotel has very poor customer service and mentioned that they dont maintain records. Discover started fraud investigation and they mentioned that it was charged for different person ( " XXXX XXXX '' ) whom I DONT know at all. I tried explaining this several times and whether it was an intended fraud or a mistake from hotel, I lost my XXXX dollars. Discover customer care is very bad and they say since I am the owner of card, I need to pay though it is fraud. I tried escalating the complaint to check with hotel people how can they charge someone's stay without informing me. And I have proofs that I was in different city altogether and my card is with me on the date of transaction XX/XX/. But poor customer service and they are charging me. Please help and let me know if any further details are required.
Company Response:
State: TN
Zip: 38018
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Discover continues to report a debt they claim was an error in their computer system, I reported the situation to the police in December of 2022 because they continued to tell me they were fixing the situation and they did not. I am requesting that the identity theft related debt be removed from my credit file
Company Response:
State: CT
Zip: 06053
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
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: Dear Discover Card Executive Office, I have needed help getting account resolution. I reached out last year regarding fraudulent activity and was told it would be investigated and resolved, but I am still waiting to hear back. I have continued to make payments as I have been XXXX and they were done automatically, but now I understand I should not have been making payments while in dispute. It is outside the dispute allowable time, which is a billing violation for the dispute process. I got a letter from you letting me know that a new card would be issued and the XXXX credit bureaus would be notified that I was not responsible, yet I see that still needs to be done. I will be released next month and would like this resolved. I can not call in or speak on the phone now and would appreciate an email reply that this is handled. The account balance reflecting does not belong to me ; it is outside the allowable timeframe to correct this. I would appreciate it if you resolved this right away. Thank you, XXXX XXXX
Company Response:
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX and XXXX of XXXX I called the company and asked if they would remove the late reporting from my account they advised me that they could not do that. I advised them that I had changed banks and did not realize the payment was from the old account. until XXXX. They advised me that there was nothing they could do.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Struggling to pay your bill
Subissue: Filed for bankruptcy
Consumer Complaint: I filed for bankruptcy XX/XX/2023. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 0 2 that states ; I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ). It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan for any purpose.
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX XXXX # XXXX, has violated my rights. 15 USC 1681 Section 602 states have the rights to privacy. 15 USC 1681 section 604 A section 2 : it also states a customer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Company Response:
State: RI
Zip: 02860
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Discover Student Loans used me as a co-signer without my Authorization. I was unaware of the situation until the missed payments on the loans and Discover reached out to me for payment. I had a conversation on XXXX XXXX XXXX ( they won't give their last names ) where she gave me the following information on the loans : 1st Loan XXXX opened XXXX XXXX current balance is {$10000.00} balance as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX current balance is {$4900.00} balance as of XXXX XXXX XXXX XXXX XXXX I asked how the Discover loan officer and the borrower could use my information without my consent. Discover would like me to open a police report and file a civil lawsuit. I am more concerned about how many victims are going through what I am going through regarding inadequate processes at Discover Student Loans to obtain approval. It's similar to the Banks XXXX XXXX XXXX XXXX XXXX XXXX etc. ) opening up accounts without the owner 's consent. I called to follow up today, XXXX, and spoke with XXXX ( they won't give their last names ). She told me that XXXX was the investigator assigned to my case and was told to file a police report and resolve the problem in civil court. I asked to speak to a supervisor, and no one was available to escalate the situation, giving me no choice but to file a formal complaint with the attorney general of Utah, as the corporate office is located in Utah. I genuinely believe that I am in the situation I am in right now due to the lousy process and procedures being allowed to get loan approval at Discover Student Loans. This is becoming an issue now as it will prevent me from purchasing a new home. I have also reached out to the Attorney General of Utah with a formal Complaint. the investigator recommended I open a complaint with the FTC which I am doing now. they also mentioned " XXXX refused to speak with me without you on the telephone. I am still trying to get some information regarding your account. According to the person I spoke to, the telephone I gave them XXXX XXXX XXXX XXXX does not relate to any loan in their system. they will attempt to send a second letter to XXXX and we'll see what happens. '' it's funny how Discover student loan tells the investigator that my number does not come up in the system while they call me to collect every other day.
Company Response:
State: NY
Zip: 11103
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A