Date Received: 2021-05-14
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Discover closed my checking account without any notice. I had just transferred {$130.00} from my XXXX account prior to them closing my account and in response to my complaint, they said that they sent all funds in my account to the State of Maine Unemployment office. This included the {$130.00} transfer from my XXXX account. I received a check for {$3.00} today, which is nowhere close to the {$130.00} I had transferred. I do not understand why they would send MY funds to the State of Maine Unemployment office. It had nothing to do with the State of Maine so I don't know why they would send my money to some other business.
Company Response:
State: ME
Zip: 049XX
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
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 applied for credit card through the telephone. I own 2 homes. The Discover rep completed the application using the incorrect address. Security flagged account for address discrepancy ( that was good ) I called and was told the problem would be resolved and I would be receiving a new form to fill out to fix the discrepancy 2 or 3 weeks l received communication that the card was closed ( I never could activate it so I do not understand how it was closed if it wasn't activated ) they reported to credit agency. I do not think this should effect my credit. Discover did not address my complaint beyond " maybe someone will call, maybe not "
Company Response:
State: IL
Zip: 615XX
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: DISCOVER IS REPORTING A LATE PAYMENT FOR THE MONTH OF XX/XX/2020. THIS IS A COMPLETE ERROR AS I PAID THE ENTIRE ACCOUNT BALANCE ON XX/XX/2020. THEREAFTER, I WAS EVEN GIVEN A INTEREST REFUND. HOW CAN I POSSIBLY BE LATE AND THEY GIVE ME A REFUND? I HAVE ATTACHED A COPY OF MY DISCOVER STATEMENT TO SHOW PROOF. PAGE 3 UNDER THE TAB " TRANSACTIONS '' WILL SHOW WHEN I MADE THE PAYMENTS AND WHEN I GOT THE REFUND.
Company Response:
State: CA
Zip: 95610
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Recently audited my annual bank statement to better ensure my taxes for business expenses. I noticed a closed DISCOVER account from 2002 still auto-drafting $ XXXX/mo. I have learned from Discover card that I am paying approximately $ 30-35 in interest towards about a $ XXXX balance. They can't determine the original balance because it is too long ago. I have not received a bank statement, email or call regarding my account balance or summary. I have lived in my home for 6 years ... there has been no attempt to reach out to me regarding the returned mail. Instead, they have collected my auto draft payments for 20 years. I am flabbergasted a credit card company is not required to notify me of my balance at a monthly or annual basis. Much less, inform the consumer with balance, interest and principal payments. Today, I have paid about $ XXXX in interest for 20 years with little to no principle reduction. Discover offered me 3 months credit on interest which is approximately {$97.00} reduction to pay off {$1800.00}.
Company Response:
State: TX
Zip: 78724
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/2020, I informed Discover that I would not be able to make my student loan payments due to being without an income as the grace period ended. I did complete two payments but was laid off shortly after and informed them right away. I was told that I needed to call a number to report my request to defer payments. I replied promptly that I am XXXX and unable to verbally communicate. I was not offered an alternative accommodation to request this. This has continued for months. They have no reported this on my credit report and put me under default.
Company Response:
State: NY
Zip: 136XX
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: On XX/XX/XXXX I get an email again letting me know that I have been approved and should be getting a card in the mail within 5-7 days. On XXXX XX/XX/XXXX I received another email stating a new credit injury has been detected and was from Discover. This all happened before I have even received my card in the mail. On XX/XX/XXXX my card came in the mail and stated to call In order to activate it. Right away my husband and I noticed my last name was spelled wrong and I also wanted to add him onto the card. I called the number and asked them if they could change the spelling of my last name because it was spelled wrong and I wanted to add my husband and they told me before they could do that I would be sent an email to fill out a form. While waiting for the form I continued talking to the lady and she told me once I filled the form out they could do the changes or I could fix it on my end by using the website. When I received the email it was a pre filled out form where I inputted my name and then signed but it was odd that it was a IRS form. When I signed and sent it back I called them back to ask about the form. They told me the form was to verify my identity and to make sure what I put on the application matched what IRS had. So, I asked how long does it normally take before they would receive what they needed back from IRS and they stated the time frame is unknown. So, every few days I would call to check in. On XX/XX/XXXX I called to see what the status was they told me that they received the information back on XX/XX/XXXX and that my account was closed. I was confused because I have never asked for them to open the account to begin with and asking why the account was opened if more information was needed? Then I asked them what was still missing that made them close the account? The response I received was that they do see what made them decide to close the account but they can not give me that information. With me asking what was the reason and they are looking at it but can not give it to me did not sit well with me. I asked them if this will be reported to my credit report due to me not even activating the card at all and they stated yes it would be on my credit as a closed account but thats not fair. I was told that it is a disgrace on my end and that there is nothing they can do or I can do about it. This is poor customer service and is fraud to have people get approved and then a injury is put on their credit before they even get the card to activate but then when they call the activate it they have to fill out a form and then wait for the information to get back to them just to find out your account has been closed based on something you cant even know. When reviewing the form that was sent to IRS it asked for the taxes for XXXX year taxes and not even XXXX which would of matched up with the information put on the application to begin with. So, innocence they played us and knew what they did and they are doing it to so many others out there.
Company Response:
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
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: I applied for a discover balance transfer card a few weeks ago, and their system froze up during the application process and made me do it twice. I did not want to send {$5400.00} to my XXXX card. I only needed {$2700.00}. Yet, Discover charged me twice for the transfer and maxed out my Discover card. They refused to credit me after their phone rep said they would. I believe they are double charging people to get extra money in transfer fees.
Company Response:
State: MI
Zip: 48183
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Discover Card sent a promo email saying that they would issue a {$45.00} credit for purchasing a XXXX XXXX XXXX membership, and that the credit would be issued within three billing cycles. However, after 4-5 billing cycles, the credit has not been issued.
Company Response:
State: CA
Zip: 90042
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: By Discover Financial Services, continuing to report Misleading/unverified information as a consumer my rights have been violated and I attempted to allow discover to remedy the issue but it has not currently. My forms were sent to Discover, clearly outlining the violation of the FDCPA, never acknowledged despite me proving and providing them with documents such as : Validation of Debt, Cease and Desist, Affidavit of truth, Notarized by Notary, Examples of violation. My affidavit of truth and these other documents has been Notarized and sent off on XX/XX/2021 to Discovers Executive office, certified mail, return receipt. Additionally, a separate incident, proof of phone calls which clearly shows Violation of the FDCPA ( fair debt collection practices act ) The Report number : XXXX is for that issue and I sent invoice for. These are some of the violations 15 usc 1692a. 15 15 usc 1692b. 15 usc 1692c. 15 usc 1692d. 15 usc 1692e. 15 usc 1692f. 15 usc 1692g. 15 usc 1692h. 15 usc 1692i. 15 usc 1692j. 15 usc 1692k. The specific violations are in pdf form as proof. After sending my complaint, discover is now wanting me to submit forms or they will close out my account on XX/XX/2021 despite me sending a cease and desist and no remedy as been offered.
Company Response:
State: MO
Zip: 63118
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX I received an email from Discover. The email was requesting that I complete IRS Form XXXX XXXX XXXX. I first thought why & under what authority does Discover have to request my tax returns. I called Discover Credit Card & spoke to a Discover Representative & shared my concern. She advised me to ignore it because it was a scam, but I felt that she was not taking the matter seriously, so I asked to bespeak to the FRAUD DEPARTMENT. The Fraud Dept. Rep. advised me that Discover is demanding that I complete IRS Form so they can verify mt identity and taxes. I asked the Representative under what authority? I was told in a patronizing & sarcastic tone " IN THE CREDIT AGREEMENT '' I looked at the agreement & couldn't locate the wording. I asked the Rep.To please guide me to where on the agreement it states that Discover can at any time ask for my tax returns. The Rep.stated, " I don't know where it is ''. I asked to speak to a Supervisor and was told that a Supervisor was not available & if I don't comply my credit cards will be permanently closed. I had one Discover Card & since day one I have an EXCELLENT payment history.i had the card from XX/XX/XXXX until XXXX. I refuse Discover to have access to my Tax Returns. Allowing Discover access to my confidential IRS data is insane. They already have access to my entire credit reports from the credit bureaus & the authority to share all my private information with their business partners & affiliates.
Company Response:
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A