Date Received: 2021-06-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute over 30 days ago and have not heard nothing
Company Response:
State: VA
Zip: 22801
Submitted Via: Web
Date Sent: 2021-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The account was 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: 2021-06-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-13
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Signed up for the {XXXX} statement credit prom, after paying for a XXXX XXXX XXXX XXXX, using the discover credit card. Never received the XXXX} back at the end of the promo. Tried calling around XXXX, the rep told me I needed to make purchases using my credit card for 2 billing cycles, I did it. Called again today ( XX/XX/2021 ) - Supervisor said that all {XXXX} credits were issued by XXXX. If I didn't receive it, it means I didn't meet all promo requirements - She couldn't give me much more specifics.
Company Response:
State: FL
Zip: 32707
Submitted Via: Web
Date Sent: 2021-06-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-13
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 you informed me by e-mail that Discover Card responded to my previous complaint but I do not see that response. Moreover, Discover not only failed to resolve my dispute in the latest statement they added new charges for my refusal to pay their fraudulent charges. I therefore file this new complaint with addition of supporting documents. The full story is as follows : In early XX/XX/XXXX I purchased in XXXX XXXX XXXX 32 piece chess set as " XXXX XXXX XXXX XXXX XXXX XXXX. '' That set of chess had all figurines of major Republican and Democratic officials except for the Democratic nominees : XXXX and XXXX XXXX. Inside the box was a pamphlet that indicated that in order to get those two figurine I have three options : 1 ) make an order on a website XXXX ; ' 2 ) call toll free # XXXX ; or 3 ) mail check or money order for {$9.00} + {$4.00} S & H to : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. I chose the third option and mail a check approximately in the middle of XXXX. Regrettably I did not put the date on the check but surrounding that check other check indicates that it was dated approximately XX/XX/XXXX or XXXX, XXXX. I did not get any response not did I get any requested figurines of XXXX and XXXX. On XXXX I used the second option and placed an order by phone using that Discover card. I also used my e-mail for communication. I received a confirmation of that order by e-mail. Two pages of that confirmation is attached to this complaint. On XX/XX/XXXX XXXX submitted my check for cashing and it was cashed also on XX/XX/XXXX. ( copy of the cashed check is also attached to this complaint ). I was very upset when I discovered that because I wanted and needed only one set of Democratic nominees. I received that set but was charged twice for those two figurines. Moreover, on XX/XX/XXXX I was charged {$1.00} and {$13.00} for unknown " merchandise. '' Then on XX/XX/XXXX I was charged another {$12.00} for unknown " merchandise. '' I did indeed received two packages from the same California address from which I received original package with XXXX and XXXX 's figurines. I do not know what was in those packages. Without opening those packages I returned them back. Copies of front of the packages and XXXX XXXX XXXX receipt for accepting those packages for return are attached to this complaint.
Company Response:
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The amounts were for XXXX XXXX for XXXX XXXXXXXX and XXXX for discover during the pandemic I got sick with XXXX and lost my job i tryed to explained this to my creditors but they offered no additional assitance to me.. so i made an arrangment to pay the minium amount i owed on both accounts in return they promised me they wouldnt report anything negative to my credit report but instead they did and lied to me
Company Response:
State: CT
Zip: 06111
Submitted Via: Web
Date Sent: 2021-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-12
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I applied for a Discover card on XX/XX/21 and was approved. An email sent that day confirmed : " Congratulations, your application is approved! Your card arrives in 5-7 days, but you can see your credit line and approval details at our website right now. '' The email includes a link for " see my info '' which links to the Discover website. This info says : " Congratulations! You're approved for a Discover Card. Welcome! Soon you'll be earning rewards on every purchase with your new card. So watch for it in the mail - then activate it right away. Your credit line is [ redacted ] '' On XX/XX/21, I received an email from XXXX with an XXXX logo in the email, which stated : " Discover Financial Services requires your consent to receive tax information from the Internal Revenue Service ( IRS ) to verify information on your account. Within 5 days, please click the 'Review and sign ' link above to provide consent via IRS Form 4506-C. Until this verification is complete, a temporary hold has been placed on your Discover card account. Your account will be closed if you are unable to provide the requested consent by the indicated response date. '' The email looked like a scam, and I checked my account info on the Discover website. Nothing had changed from the first check on XXXX, stating that my card was approved and on the way. I called Discover and was shocked to find that this was a real request being made, though it is not reflected in my account information online and the email does not come from Discover. I verified with Discover that my account was officially opened. And if I did not comply with the request to give access to my tax return, my account would be closed. My first complaint has to do with the system in place for making this request. The request should come from a Discover email, and my account information on the Discover website should reflect this request. My primary, second, complaint is that Discover should have requested this information BEFORE approving and opening my account. Asking for tax returns runs into myriad privacy issues. Customers should understand the request before the account is opened, giving customers the right to consider the request and the option to not move forward with opening the account. In this case, my only options were to turn over full access to my tax records, or to have my account immediately closed. The latter option would create a significant hit to my credit, if my account was opened and closed like this. I can not afford to take a hit to my credit, and I complied with the request of turning over tax documents, though I find this request extremely problematic. I felt forced into this option, and I would not have opened an account with Discover if the request had been made as a part of the application process. This system simply should not be allowed. A creditor should not be able to open an account and then request verification after the fact, threatening to close the account if not supplied. Further, customers should be able to verify income in other capacities, such as through employer paystubs. I asked for this alternative, and my request was denied. Researching Discover 's practices online, I see many, many other customers baffled and upset by similar requests. This needs to stop.
Company Response:
State: NY
Zip: 10011
Submitted Via: Web
Date Sent: 2021-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Called Discover after discovering that there were 3 unauthorized charges totaling more than $ 500+. I reported these charges as fraud and called Discover. I was worried that the charges would post to my statement, therefore negatively impacting my credit utilization, negatively impacting my credit score. The woman told me they would not post. I called the merchant and two of the charge were dropped off of my card. However, 2 days later I look at my credit card statement and the fraudulent charge is included on my statement. I called Discover back and XXXX told me that Discover had no obligation beyond refunding me to not include the fraud on my statement, and submitted the statement to the credit agencies including fraudulent charges.
Company Response:
State: PA
Zip: 161XX
Submitted Via: Web
Date Sent: 2021-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-12
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX I received a promotion via email stating that I could earn a {$45.00} statement credit if I activate the offer and sign up for a new {$45.00} XXXX XXXX membership from Discover for my Discover It credit card. The offer was stated to expire in XX/XX/XXXX. Sometime between XX/XX/XXXX and XX/XX/XXXX I activated the offer and then made the purchase on XX/XX/XXXX. I reached out the first time on XX/XX/XXXX about when Id receive the statement credit and was told that I would receive it within 3 statement cycles after XX/XX/XXXX. Now its been 6 months and I have yet to receive the {$45.00} statement credit. Today on XX/XX/XXXX I reached out via their messaging platform and called them, and was told that I did not qualify for the promotion but that the reason was unknown. I was told that since the credit was already applied to all accounts that were eligible, they could not manually apply it to my account anymore. I was given no further explanation.
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2021-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-12
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Today, I applied for a Discover card which offered a rate between XXXX and XXXX depending on credit history. I was approved for the card, but the APR came in at XXXX!!! I have XXXX plus scores on all my bureaus, low DTI, 30 % credit usage or better, Credit history over 15 years. I questioned the Discover agent and she stated that rate came back according to all their credit factors!!
Company Response:
State: OR
Zip: 97236
Submitted Via: Web
Date Sent: 2021-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-12
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I FOUND A DISCOVER CARD ACCOUNT ON MY CREDIT REPORT THAT I NEVER RECEIVED OR SIGNED UP FOR AND BELIEVE THAT IT IS A RESULT OF ID THEFT. I FILED A REPORT WITH THE FTC, CONTACTED DISCOVER DIRECTLY, SENT INFORMATION TO ALL THREE CREDIT BUREAUS AND ASKED FOR PROOF THAT I ACTUALLY SIGNED UP FOR THIS ACCOUNT WITH NOTHING OR NO RESPONSE FROM THE CREDIT CARD COMPANY. I CALLED ALL THREE BUREAUS AND NOTHING HAS BEEN DONE.
Company Response:
State: NC
Zip: 27320
Submitted Via: Web
Date Sent: 2021-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A