Date Received: 2021-05-27
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 have disputed a Discover Financial Service LLC item on my credit report from XXXX several times, the last time being XX/XX/XXXX. I just received an email from XXXX rejecting my dispute, claiming it is legitimate. I have not had a Discover Card since about XXXX and have no idea where the charge of {$7600.00}. comes from. I submitted all this info, along with proof of address and other information that they requested, to both XXXX and to Discover, and my dispute keeps being denied.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2021-05-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-26
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: My name is XXXX XXXX, taking care of estate for XXXX XXXX who died XXXX. He spent most of the summer in hospital. While in his cleaning lady stole a check and forged a $ XXXXcheck. She wouldn ; t pay it back so he filed fraud charges against her with XXXX county police. He ended back in hospital and 3 guns and a {$1400.00} genterator were stole, which he reported. Ok so after he died I went down there to settle thing, His household had been totally stolen. His mail bix was stolen so there was no mail. I find out his wallet and credit cards are also stolen. There were hundreds of charges on his discovery card. There were two cards. Discover said the one was fraud. Then I find out that there was another. Which now they claim is not fraud. I asked them to check the other card and they refused, saying its in a different department and they don't trade information. I charge they are playing a game. XXXX lived by himself, very independent. This last summer he got his meals from XXXX XXXX XXXX. The fire dept was there over 10 times last summer to get him up, It got so bad they just took him to the hospital. He didn't have a car, but credit card records show a bunch of gas purchases, some 3 times a day. there were hundreds of cash advances while he was in the hospital. XXXX XXXX had a bunch of charges of over XXXX that they wrote off saying they were fraud. But discover is fighting it. Other than getting the attorney on it, I don't knw what else to do. XXXX XXXX lived atXXXX XXXX XXXX XXXX, flXXXX He lived on social security, and small pension. He paid his bills every month Discover # XXXX and # XXXX
Company Response:
State: FL
Zip: 34974
Submitted Via: Web
Date Sent: 2021-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-26
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 I made an online purchase from " XXXX XXXX XXXX '' The next day I called to cancel the order, I was told it was too late to cancel that I could refuse delivery or return the item. The tree was never delivered to my home. I never received it. It could have been delivered to the wrong house or could have been stolen. The co. refused at first to provide credit. They filed a claim with XXXX, it was resolved in my favor and the co. provided me with a refund on XX/XX/2021 in the full amount of {$200.00}. Receipt attached. Discover still refuses to credit my account.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2021-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Discover has a XXXX EST cutoff time for payments to post on an account on the same day. On XX/XX/2021 ( my due date ), I submitted my monthly payment at XXXX EST. Despite submitting my payment on the due date, I was charged a late fee because it was after XXXX EST. This policy and/or practice is unfair to credit card customers. Even if payments submitted after XXXX EST can not post on the same day, customers who submit payments between XXXX EST and XXXX EST should not be charged a late fee if submitted on the due date. I have several credit cards with other financial institutions and Discover is the only institution I know that has this policy and/or practice.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-25
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have submitted a complaint with you about the incorrect reporting through Discover and XXXX XXXX. They are still affecting my credit and I haven't heard from either of them about these account. All they keep telling me is that they are working on " getting me the information '' Its been a month now. XXXX XXXX is the only on that gave me a date XX/XX/XXXX that I would hear back nothing about what that would be.
Company Response:
State: UT
Zip: 84096
Submitted Via: Web
Date Sent: 2021-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I disputed lots of fraudulent payments with discover credit card services and I called XXXX letting them know I never applied for a discover credit card and they put the payment in disputes and within months it was denied by XXXX XXXXXXXX payment systems and I lost lots of money and I never authorized these payments in my name and my checking account was takeover by a thief and XXXX XXXX has a history not giving people money backs in the past and they are not doing there job at all .discover credit card uses XXXX XXXX as there bank to collect payments and there bank has denied my claim and refused to refund me these fraudulent payments to me .. I never applied for a discover credit card and I would like my money back that was stolen from me or I will consider legal actions
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2021-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-25
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I was repeatedly harassed by Discover Card. They called me day and night, every day of the week and even holidays. They called my inlaws and family members and threatened to take me to court. I really want to complain about them and also XXXX XXXX XXXX ran by XXXX XXXX. I had sought them out to settle my credit card debts and instead they took all of my money and never settled my debt. Discover card people were incredibly cruel and harassing in the process. I did not answer phone calls of theirs, because I was advised by XXXX XXXX and his team not to. I blame them for my turmoil.
Company Response:
State: NC
Zip: 288XX
Submitted Via: Web
Date Sent: 2021-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Ive been a victim of identity theft several times. Ive explain that to discover numerous times. They still sending Back letters stating that is valid. This debt from identity Theft is hindering me from acquiring apartment and gaining new lines of credit. Its so unfair to me that Im being forced to pay a debt that I didnt acquire. I wasnt showed a signature or copy that I gave consent to open account with them. I had a fraud alert on my credit report prior of this account been open. The thieves were able to by pass that.Ive submitted the identity affidavit to this complaint please help.
Company Response:
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2021-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-25
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: This complaint concerns my Discover 1 credit card and an unauthorized charge of {$250.00} made to a CLOSED credit card account on XX/XX/2021, and then, without informing me, was transferred to my current open Discover account. I immediately contacted Discover to dispute the charge, and they re-edited my account and supposedly stated an investigation. However, when they contacted the billing agency, they were told that the agent indeed had the CLOSED account information and the administrator mis-informed Discover that they had requested permission for use of that account for recurring charges, which was untrue. But, Discover restored the original unauthorized charge to my account balance and added interest for the period of time from the initial complaint to the next months bill. When I contacted them to dispute their action, Discover told me that I had to obtain a letter from the billing agency admitting to the unauthorized nature of the charge and they would then remove the re-instated charge and associated interest. I obtained such a letter ( attachment # 1 ) from the billing agent, who admitted that she had recently taken over billing for the association and had just assumed that authorization for recurrent billing had been obtained by the organization. Discover refused to accept a digital copy of the letter admitting the error from the Billing agency, so I had to mail it via the USPS to their Delaware offices, even though Discovers headquarters are in suburban XXXX. Since I heard nothing in response to the documentation requested, I called regularly and after many hours of being transferred to people who claimed they were not in the proper Department, many hang-ups, and hours waiting to be transferred, all the while they kept the charge and added additional interest each month during the period they were supposedly investigating. Finally, after more than 60 days after they received the first letter documentation, the person I finally reached who would tell me something, told me that since the biller hadnt indicated the $ amount of the unauthorized charge, my documentation was incomplete and no investigation had been done by them. Totally frustrated, I recontacted the billing agency, where the woman told me that the monies had been withdrawn by Discover in XXXX, and she provided me now with a more detailed letter about the refund to Discover and a copy of a letter from the charge processing service also stating that the monies had been refunded to Discover in mid-XXXX. By now, it is early XXXX, and Ive been charged increasing interest on the disputed charge on at least 3 monthly bills ( I continued to pay Discover the full authorized balance due each month ). These letters ( attachment 2 ) were mailed to Discover on XX/XX/2021, and I was promised a call back within 5-8 working days, but never received any communication. So, I started calling Discover again, each time asking for a Billings Dispute Supervisor, as no one else would help me. After 5 calls totaling 10-12 additional hours of waiting, dropped transfers and wrong Department connections, I finally got a Supervisor today XXXX XXXX ) who put me on hold for 30 minutes to review my complaint # XXXX ( apparently for the 1st time ), and she finally admitted that my last set of documentation was complete and adequate, and she would credit me back the original unauthorized amount of {$250.00}, but she refused to credit me any of the $ XXXX in interest charged over the 5 month period on this disputed amount. When I asked to speak to someone above her who could authorize the interest refund, she hung up on me. Then, in this afternoons USPS mail, I received a letter from Discover ( attachment 3 ), dated XX/XX/XXXX, stating that Discover had reviewed my additional documentation and had rejected it, recharged my account for the full unauthorized amount plus interest and reported that decision to all four credit report bureaus!
Company Response:
State: IL
Zip: 60640
Submitted Via: Web
Date Sent: 2021-05-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-25
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX at XXXX XXXX I received an email from Discover with a promotional statement saying that if I purchased a {$45.00} XXXX 's XXXX membership by XX/XX/2020, then I would earn a {$45.00} statement credit back in 3 billing cycles. I had read through all the terms and met them all and proceeded to buy the {$45.00} membership on XX/XX/2020 with my Discover card. I have attached the statement on my discover account and the receipt from XXXX 's XXXX I had not received the promotional credit by XXXX still, so I proceeded to call Discover on XX/XX/XXXX. The first representative I had spoken to could not find the credit on my account but only found the memo that discover sent to me, which is also attached. She said that if I had to received the credit by now, then I do not qualify. I asked her why, and she said she did not know. From there, she escalated the situation to the supervisor, XXXX, who went line by line with me through the promotional statement and ensured that I met each term and condition. He believed that it was because the purchase on my discover card was {$47.00} and not {$45.00}. I said that this was due to sales tax, and he asked me to email him the receipt from XXXX 'XXXX XXXX to ensure that this {$2.00} was sales tax. I emailed him and attached the email. He said that he would call me back within 24 hours to follow up, and I never received a follow up call. Since I did not receive a follow up call, I called Discover on XX/XX/XXXX to ask about my credit. In this call, I was ensured that I would be receiving the credit by the XX/XX/XXXX billing cycle. It is currently XX/XX/XXXX, and I still have not received the credit. I called Discover today, XX/XX/XXXX, and the first representative I spoke seemed to not know what she was doing and had me on hold the entire time. She immediately directed it to a supervisor who stated that if I had not received the credit, then my account did not qualify. I asked why, and she said she did not know and there is no specific reason. She then proceeded to tell me that if I was told on XX/XX/XXXX that I did not qualify, then even if I was told on XX/XX/XXXX that I would be getting the credit, it does not matter. I told her that I was never told a direct yes or no if I qualify, only that the supervisor, XXXX, would be following up with me. I told her that I never got a follow up call, and she said that she would look back at the calls to ensure I was told " no '' I would not be getting the {$45.00} statement credit. She gave me the number to directly call a supervisor back in 24-48 hours. I received a response from Discover which is attached. They said that, " We were informed that you already had an existing business account with XXXX XXXX. Per the terms of the promotion listed in the email you received, our offer excludes Plus memberships, membership renewal, membership upgrades, add-ons, additional memberships, pre-paid memberships, or XXXX XXXX XXXX XXXX XXXX. '' This is entirely false that I had an existing business account with XXXX 's XXXX. I am XXXX XXXX XXXX, I do not have and have never had a business account with XXXX 's XXXX. I would like proof of this " existing business account. ''
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2021-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A