Date Received: 2021-05-19
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Discover calls me at least five and up to six times every single day for three months now They have changed the number they use to contact me multiple times so multiple numbers have been spam calling me and harassing me on the daily The numbers they have been literally harassing me with are ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX I am evidently a student as I have a student credit card, so they are spam calling me during times that are evidently inconvenient for me My voicemail is filled because of all of the voicemails they leave and I can not receive important phone calls because they spam call me This is literal harassment because they call me on multiple numbers, multiple times a day which is very illegal to do when collecting debt under the Fair Debt Collection Act
Company Response:
State: MO
Zip: 63021
Submitted Via: Web
Date Sent: 2021-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I have tried Communication with Discover Card, And The Credit Reporting Agencies Such As XXXX XXXX Who Authorized The release of my credit report And profile without my permission. I have had A security freeze And credit monitoring on my accounts for 6 years. Someone stole my information from my old Address I have filled over 7 disputes against the company And the collection company And I have tried to report that to them to close Any Accounts that are not mine ASAP.
Company Response:
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2021-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: XX/XX/XXXX : Received email from Discover regarding " Earn a {$45.00} statement credit this holiday season when you activate your offer and sign up for a new {$45.00} XXXX XXXX membership online or in club with your Discover card, nowXX/XX/XXXX. '' XX/XX/XXXX : Relevant purchase posted to credit card. XX/XX/XXXX : Contacted Discover customer support regarding statement credit not having posted. Escalated to a supervisor. Discover claimed I must not have met one of the conditions, but was unable to specify which one, and refused to credit my account.
Company Response:
State: CT
Zip: 06051
Submitted Via: Web
Date Sent: 2021-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-18
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: At XXXX on XX/XX/21 I received a call regarding a discover card. I do not have a discover card or want one. I have had this call multiple times per day. I told them I am on the XXXX do not call list but they keep calling.
Company Response:
State: IN
Zip: 47546
Submitted Via: Web
Date Sent: 2021-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Company : Discover The company convinced me to " go paperless '' and receive all statements electronically, but they do not keep statements or any account activity beyond 7 years. I am in a legal situation where I require a statement from XXXX 2013, and Discover has refused to comply and insist that they have no means of providing this historical statement or proof of account activity.
Company Response:
State: PA
Zip: 19460
Submitted Via: Web
Date Sent: 2021-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: An investigation was done falsely verifying the fraud on my discover card made several attempts to call and correct error. Have been discriminated against and hung up on and also being charged interest daily on fraud charges on my account
Company Response:
State: AR
Zip: 72034
Submitted Via: Web
Date Sent: 2021-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I recently sent a packet of Notices to you DISCOVER BANK to correct some errors in Billing as you are currently attempting to collect alleged debts from me, the natural person, private individual, consumer and Original Creditor involved in these consumer credit transactions/sales. As the original creditor I do NOT owe you any alleged debts and there is no documentary evidence of such allegations. After review of these statements I have discovered there is a serious error in Billing reflected on statements that have been sent to me so you have received a verified Billing Error form from myself in order to correct the errors that I have found with the referenced account. Your accounting records if maintained accurately and in accordance with Generally Accepted Accounting Principles as [ GAAP ] as required by 12 USC 1831n and highlighted by Federal Reserve XXXX XXXX XXXX XXXX, will show a total bank liability to me In the amount of {$22000.00}. You have been notified in this Billing Error Notice of this error and are required by Federal Law Pursuant to 15 USC 1666 to issue me credits as directed. You have also received a Notice Of Opt out which requires you to remove all reporting of my private, personal and confidential information to any credit bureau, credit agency or credit repository, again DISCOVER BANK you must immediately cease reporting of any information to the credit reporting agencies pursuant to the aforementioned section of Federal Law. Refusal to comply with these demands and Federal Regulations will result in further legal action. If your claims to this alleged debt hold any merit you will have no issues complying with the XXXX XXXX XXXXXXXX XXXX Notice and providing the demanded documents and appropriate attestations under notary seal as demanded in this document and pursuant to XXXX XXXX XXXX XXXX and FDCPA 15 USC 1692. Ignorance of the law is no excuse for your negligence and your Silence is Acquiescence! Should you default on these notices that Have been Notarized and are now legally applicable as evidence of your willful negligence I will not hesitate to pursue these matters to the full extent of the law. This is my attempt in good faith to rectify these matters and errors prior to taking any further required legal action.
Company Response:
State: FL
Zip: 32817
Submitted Via: Web
Date Sent: 2021-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-18
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I am receiving loan solicitations for a person whom does not live at my address ( XXXX XXXX, in this case ). I do not wish to receive these mailings and Discover Student Loans ' web site makes it difficult to find contact information to opt out of them.
Company Response:
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2021-05-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Discover credit card account : XXXX or my last 4 ssn # XXXX was originally opened by me solely. In XX/XX/2015, when my home was burglarized, a charged alert email/text informed me that someone was using my Discover Card at the next city over in XXXX ( I was living in XXXX XXXX and a copy of the XXXX City Policy report attached for this identity theft ). It was then that I realized that my cards including my passport and social security card ( that were in a portable safe ) were stolen. I called Discover card within hours of my home burglary and informed that my identity will be compromised due to the items that were stolen on the SAME day of the incident. My credit have been compromised and credit reporting from Discover Card does NOT reflect that the charges and balances were from someone else using my identity because they stole all my valuables in my home. Please removed the negative credit reporting fr om Discover Card from my credit reporting to reflect that my identity was stolen from the police report and FTC report. Thank you and I appreciate your help with this matter. Sincerely, XXXX XXXX XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Hello, My name is XXXX XXXX. I have a personal secured credit card line with Discover credit card. I have been a customer since XXXX. In or around XXXX of XXXX. I enrolled in a deferment payment program that was supposed to lower my interest and give me lower minimum payment terms, due to my losing my employment due to XXXX. I was told that upon entering this program, my spending privileges were going to be suspended until such time of the balance has been paid or time on the program has expired. After requesting an option that would better fit my financial ability, this option was the only one that was offered to me. In good faith, I reluctantly accepted the offer to stop the collections calls from Discover. After enrolling in the program, the collection/harassment calls continued. On XX/XX/XXXX ; I was able to pay the entire balance of the card, after receiving my stimulus payment. At this time, I was told my enrollment in the deferment program had been voided as the balance was paid off. I was also informed to be aware of the monthly interest on the amount that was paid. On XX/XX/XXXX ; I paid off the existing current interest due for the previous amount paid ( {$1900.00} ). At that time the program should've been completely voided to its entirety, as the card has a zero balance. I spoke to representatives from several different department ( Customer service, Collections, Account Review & Credit Operations ) on the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, & XX/XX/XXXX. All calls were pertaining to either reinstating my spending privileges so that I could freeze my account. Or refusing the account review process as it forces a credit check that I decline to participate in. I am currently trying to purchase a home and checking my credit or having a newly financial account opened or closed is detrimental to my credit standing. Once my home is purchased it is my desire to close this account if a resolution can not be obtained for this specific issue. Today, XX/XX/XXXX, I was told by a csr on the account review team and the credit operations department that my account is being reviewed monthly and my credit is being checked without my consent. At this time, I asked what the results were, as my credit is in a better standing today than it was when I initially opened the account! If credit is the sole decision maker to reinstate my account, then technically there is no reason why my spending privileges should be suspended. I was told that my account has been reviewed twice since I paid the entire balance and that because of the deferment program my credit standings will determine my spending privileges. At that time, I then expressed my concerns of possibly being retaliated against or discriminated against due to race. I told the csr that I felt I was being retaliated against because almost every CSR that I have enacted with has become aggressive towards my questions about my account. Defiant to give any written information concerning my account. Combative when asked to speak to a superior, and reluctant to resolve my issue by forwarding my call to the correct superior with decision-making abilities. And I feel discriminated against because they are privilege to my XXXX demographic information from my credit report and from me revealing my race over the phone. When asked If the decision to extend credit to existing accounts were the same for everyone, I was assured they were. But when asked about the decision-making process. I was declined this knowledge and was told it was under their proprietorship, and not for public knowledge. In conclusion, I am filing this claim today to receive a resolution about how to reinstate my account. I would like to see a reinstatement on my account that does not involve my credit worthiness being jeopardized. I do not feel that credit standings should be a sole decision maker for current account holders who are NOT requesting to increase credit limits. ( FYI- my credit standing is in a better predicament today than it was when I opened this account in XXXX. ) How are the credit requirements different today, than just 2 years ago? I also would like to see current account holders who are experiencing fragile credit situations, the option to decline or suspend the decision for account review or credit checks for a limited time. This will give customers the options to stabilize credit worthiness. And if this cant be done, then Discover should offer credit management operators to help customers to overcome such overwhelming situations. Discover should not willing involve itself in the detriment of its customers credit worthiness. Especially if that customer doesnt owe a debit to their company. A credit card company should be a benefit to its consumers as well as a financial entity.
Company Response:
State: AZ
Zip: 85395
Submitted Via: Web
Date Sent: 2021-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A