Date Received: 2021-06-17
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In XXXX, XXXX, I received an offer from Discover about " {$45.00} back when you join XXXXXXXX XXXX XXXX ''. In the offer, it says " Get a {$45.00} statement credit when you activate this offer and sign up for a new {$45.00} XXXX XXXX XXXX membership online or in club with your Discover Card by XX/XX/XXXX. '' I did exactly what the offer asked for. However, I still haven't get the statement credit back after 6 months. Then I contacted discover card on XX/XX/XXXX, I was told that I wasn't qualified for the offer because I was an existing XXXX XXXX member and my XX/XX/XXXX transaction was for a renewal of my XXXX membership. However, the CSR stated that without any evidence and lied to Consumer Financial Protection Bureau ( CFPB ). I have contact XXXXXXXX XXXX XXXX and confirmed that my membership purchase in XXXX XXXX was for a new membership.
Company Response:
State: WA
Zip: 98682
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: on or about XX/XX/2021 i was given an adjustment of about XXXX by a supervisor in ohio ... named XXXX ... he said the adjustment would show in 2 business days ... after 2 days the adjustment, still was not on my account ... i called and another supervisor in arizona told me they would have to verify this by listening to the call.. they listened to the call and verified my balance was XXXX .... the supervisor than told me she refuses to honor this ... .so they think they can go back on there agreement .... even after verification ....
Company Response:
State: AL
Zip: 35601
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Discover is reporting on my XXXX that in XX/XX/2018 was a 30 day late, in XX/XX/2018 was a 60 day late and XX/XX/2018 a 30 day late. This is not accurate payment history. They also stop reporting in XX/XX/2018 and XX/XX/2018. Then started reporting in XX/XX/2018 without informing me. This is a inaccurate and a violation.
Company Response:
State: FL
Zip: 33073
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
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: 1 of 2 : {$420.00} ( Discover Card Dispute # XXXX ) Cancelled trip totaling {$680.00} booking with XXXX XXXX ( trip # XXXX ) under one hour from booking ( and far below 24 hours DOT refund policy ). Airline only gave partial refund of {$250.00}. Credit card Dispute department tricked by false documents from Airline and closed dispute. Credit card refuses to inquire with Airline for accurate documents
Company Response:
State: OH
Zip: 43017
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: review the following accounts that appear on my credit report, without authorization Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 3. Identity Theft DISCOVERBANK Account XXXX : XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine.
Company Response:
State: NY
Zip: 11717
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
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: DISCOVERBANK XXXXI requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Company Response:
State: NY
Zip: 10977
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
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: NJ
Zip: 08701
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A credit card was opened in my name without my knowledge. These charges do not belong to me.
Company Response:
State: TN
Zip: 37211
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone opened frauduletnt card
Company Response:
State: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Effected b y XXXX XXXX. Contracted XXXX XXXX in XX/XX/XXXX, was effected until XX/XX/XXXX. It's still an ongoing battle struggling with my XXXX health which took a hit as a result of hardships created by XXXX XXXX. After loosing my job in XXXX because I caught XXXX and it wasn't really a thing yet that employers understood or recognized then. I became suicidal and have been under the care of doctors since that time. I have no memory of opening this account or making payments towards it. I have asked for verification from discover that I opened the account. They have sent me zero evidence that I opened the account. Their only response was that it was an online application, but sent me zero verification that I opened it. If they could prove to me that I opened it, that I spent money on that card, and that this wasn't the result of identity theft I would gladly make arrangements to pay it, and ask that they respect the cares act, and remove all late payments .... BUT first I need verification from discover that I actually opened the debt. During this same time frame there was another credit card that was opened and investigated that was the result of identity theft. I am a verified victim of identity theft, and would appreciate the added assistance I need to verify the debt is legitimate from discover. I do not feel that this is too much to ask. Especially for one effected by XXXX and identity theft all at the same time. Thank you in advance for the help you gave me during these extremely troubling times.
Company Response:
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A