Date Received: 2021-05-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I WAS VICTIM OF IDENTITY THEFT, AND IN RESULT SEVERAL ACCOUNT HAVE BEEN OPEN UNDER MY NAME THAT ARE FRAUDELENT DISCOVER BANK # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX,, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX,
Company Response:
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Getting the loan
Subissue:
Consumer Complaint: I have held a Discover Credit Card with them since their first contact in XXXX, since then they have constantly sent mail to my home address, phishing for a personal loan up to a limit of {$35000.00}. Their phishing scams, always are headlined with " Congratulations on your preferred status '' and why not? I have never missed a payment, and since I came to this country I have continued to work on my credit. Anyway I finally took them up on their offer, we wanted to purchase a large deep fryer and we didn't have enough in savings so we opted for {$30000.00} over 60 months. We were supposedly pre approved, they already knew our credit score was XXXX and we had never missed a payment, we submitted our XXXX Tax return showing I earned {$110000.00} last year, we submitted our Bank Statements showing my employer paying into our account, and our statements showed that we had over {$24000.00} in savings in the bank, almost enough to cover the entire loan we were seeking and more than most people have in their accounts, but not enough for the equipment we had to purchase. Discover knew our history, knew our credit score, but hit our credit anyway, they did not ask any questions about our credit score, or my employment or the cash we had in the bank, instead they took aim at our legal status in the USA and declined our loan on that alone. It seems to me they have breached the Equal Credit Opportunity Act. I have 4 recorded phone calls with various people including XXXX and XXXX listed above from XX/XX/XXXX to XX/XX/XXXX. the first two calls were about sending documents like, pay stubs, bank statements etc, the last two calls were about my legal status in the USA only, one call on the XXXX and the last call on the XXXX, They asked for copies of my Visa which i sent, I also explained due to COVID we had been waiting on a renewal since XX/XX/XXXX but the XXXX have not completed their paperwork yet, I also sent a copy of the form XXXX to show this was the case, They called back again on the XXXX asking for more Information on my citizenship and my status in the USA, I explained again about waiting for the XXXX to send me the renewal, they then declined my loan on this basis. On the email sent the next morning XXXX XXXX the cause was listed as " Unable to verify Credit References '' which is XXXX, and " Documentation you provided is Incomplete/Unacceptable '' this means they denied based solely on my Legal status in the USA, they are in breach of the Federal Equal Credit Opportunity Act, and they discriminated against me based solely on my National Origin. The law is clear that they are not allowed to discriminate in such a way that they did, there is proof online that they approve loans to people with lower credit, and less savings in the bank than we have, but because they're US citizens they were approved their loan over ours. The recorded Phone conversations prove they were concerned with XXXX XXXX and not creditworthiness, The need to be held accountable and i fully intend to take this matter further. Out of the 5 additional reasons listed to the two already mentioned, 3 of the 5 additional relate to my time in the country as a legal resident, and nothing to do with creditworthiness. Discover Personal loans are in breach of the Federal Equal Credit Opportunity Act Discover Personal Loans, discriminated against me purely on National Origin Regards,
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: ON THE XXXX OF XXXX XXXX ADDED SOMEONE TO MY ACCOUNT AND DEPOSITED THEIR STIMULUS CHECK INTO THE ACCOUNT AFTER 3 DAYS THE FUNDS WHERE AVAILABLE SO I WIRHDREW HER XXXX. AND GAVE TO HER. THEN ON XX/XX/XXXX DISCOVER BANK WITHDREW XXXX OUT OF MY ACCOUNT AND SAID THE STIMULUS CHECK HAD BEEN CASHED SOMEWHERE. I HAVE ASKED THE BANK WHY THEY CLEAREDTHE CHECK AT ALL AND WHY AFTER 15 DAYS DID ALL THIS HAPPEN. ANS THEY WONT TELL ME WHY THEY CLEARED THE CHECK THEN 15 DAYS LATER WITHDREW IT OUT AND PUT ME IN THE NEGATIVE
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Without ANY notice, Discover locked my account and forced me to release my personal tax transcripts before I could ever use my card again, and for the first time after being a customer for 7 years and never having a late payment. I was forced to close my account as I have not filed taxes yet and was not able to release returns that were not filed, especially after COVID and my income being hit from the pandemic. I don't know how this can possibly be legal, so I just want this on the record of complaints for Discover, for when there is a class action or further action that can be taken by government agencies. They should verify income when creating the account, not lock my account RANDOMLY after 7 years of on time payment and good account history, during a pandemic.
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX at XXXX AM, 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 's club 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 XXXX XXXX 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 XXXX XXXX
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone at my old address of 5 years ago committed identity theft and opened a discover card under my name. I filed a report at XXXX and sent the report to all three credit bureaus. The others bureaus deleted the fraud but XXXX refuses to honor it as it remains on my credit via XXXX only.
Company Response:
State: CA
Zip: 91739
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: It says that I applied for attempting to apply for 19 different credit cards are most of them were denied but I am unaware of that and it needs to be fixed
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
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: XX/XX/XXXX XXXX my name is XXXX XXXX. I have been a customer with Discover credit card since XXXX of XXXX. A 30 day late payment was reported on my credit report XXXX of XXXX. XX/XX/XXXX the XX/XX/XXXX payment of {$20.00} dollars was due. I received a credit for {$20.00} dollars in XXXX and I was told by the representative that would cover the XXXX payment. I found out the information I received was incorrect. In order to get a late on your credit report it actually has to be 60 days behind. I am an XXXX and XXXX owner. This dropped my credit and severely affected my life in many ways. I could not get loans or credit cards. I spent over 100 hours calling Discover to ask to please remove it. I hired a company called XXXX to help me. I spent thousands of dollars over 2 years trying to have the late payment removed. On Friday XX/XX/XXXX I called in and told a supervisor the entire story. How my life and my family had been affected. How it was an error of one of the Discover customer service representatives and how Ive been trying to dispute this for years now. She said she would have the credit team look into it and get back to me. XX/XX/XXXX at XXXX XXXX I called in and the supervisor said they had good news. After the research and review of the account they said Discover will remove the late and it was a Discover error. XX/XX/XXXX at XXXX I spoke to another Supervisor and they confirmed that the late will be removed and it was a Discover error and they are sorry for all the trouble. I called in again asking for a letter to send to the credit bureaus for proof. I spoke to XXXX Friday XX/XX/XXXX at XXXX about the letter I received the letter dated XX/XX/XXXX saying thank you for your recent inquiry, we can not make the requested courtesy adjustment to our reporting on your account. I told her to please review the calls because this is the opposite of what I was told. I called back between 15-20 times asking to please have the calls pulled because I was told the late was being removed and its a Discover error. I took countless hours off of work. It was stressful and at times I wanted to give up. Many times Discover reps would say they couldnt find anything and they cant help me and hang up. I finally spoke to a Supervisor that said they would have someone that is Corporate or high up review the calls from XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX by XXXX XXXX I received a call from someone who said their name was XXXX from the office that is high up in Discover. She said she reviewed the entire calls from XX/XX/XXXX and XX/XX/XXXX and no one on the call ever says anything about removing a late payment and no one says anything about it being a Discover error. I asked again if she had listened to the entire call. It was impossible. The calls are recorded for quality assurance. She was very nasty, entitled, disrespectful and rude. No one should be treated the way she treated me that day. In the end she was claiming I was not telling the truth when the truth is all recorded. It turns out she was the one trying to cover the truth and she was deliberately dishonest. Her only job was to listen to 2 calls that she had the dates and times for. I had also called many times asking for the same call to be pulled that is very clear. She denied everything on a recorded call. XX/XX/XXXX I spoke to XXXX and told her what happened with XXXX not being honest and trying to cover up calls. I asked to please review all the calls including the one with XXXX. Someone at that lever should not be allowed to be dishonest, disrespectful and rude and represent a XXXX dollar company. XX/XX/XXXX by XXXX I spoke to XXXX and asked to please review the calls from XX/XX/XXXX and XX/XX/XXXX both say it's a Discover error and the late payment will be removed. XX/XX/XXXX by XXXX I spoke to a supervisor named XXXX. She said she reviewed the calls from XX/XX/XXXX, XX/XX/XXXX and the call with XXXX XX/XX/XXXX. She said someone did tell me it was a Discover error and someone did say they would remove the late but it was a mistake. She also said that XXXX denied that was said on the call we had XX/XX/XXXX. XXXX said sorry but it's not a Discover error and we wont remove anything. XX/XX/XXXX XXXX XXXX I spoke to XXXX and she confirmed they do have the notes that multiple representatives of Discover did tell me the late would be removed and it was a Discover error. The notes also say they are not going to remove the late payment regardless of what I was told on recorded calls. I was transferred from XXXX to a night supervisor named XXXX who was really nice. I told her the entire story and asked to please document everything. I told her I would be filing a report with the Federal Trade Commision and working with my Attorney because this is all wrong. XXXX said sorry for all the trouble and whats happening is not right. She said she can see all the notes where I was told one thing then another. She said she will be sending an email to the corporate office. XXXX & Discover should be held accountable for lying, being deceitful, deliberately hiding the truth and being disrespectful on a recorded call. Discover needs to remove the late from my credit report and pay for the all the damage that has been done, time I took away from my work and money invested trying to get this resolved. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Contact Information for Discover Discover XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX
Company Response:
State: CA
Zip: 92113
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: It was Sunday, XX/XX/2021. I had read through some card offers, through my XXXX online account, after checking my credit score. ( which was XXXX XXXX. I seen DISCOVER was offering a pretty decent one for 11.99 to 22.99 % variable APR w/ no annual fee plus 5 % cash back on certain purchases per a rotational basis, 2 % on gas and dining out and 1 % on everything else. So I unthawed both my XXXX and XXXX accounts temporarily, XXXX because the offer was seen originally through their site and XXXX because that's where it was stated in their terms they ran the credit check, and applied online. About 60 seconds after applying I was approved for a {$500.00} credit limit with the payments being due the XXXX of every month. I was informed that i should receive my new card in 5-7 days. Two days later I get a suspicious email from " verification services '' ran through XXXX XXXX who I didn't unthaw nor gave any type of permission to share any of my info with anyone ) requesting two years of tax returns by e-signing a 4506-C document. It further stated in the email that DISCOVER was the one requesting the information AFTER I had already been approved. So i called DISCOVER customer service and spoke to a lady there and she said there was absolutely no record of verification services at DISCOVER requesting that info, and that i should not click any links within that email. she said my account was approved and everything was fine. There wasn't anything else there. So a bit relieved I just went on about my business. That is until I received a second email from that " VERIFICATION SERVICES '' requesting the same information again. This time I called the number on it. It was DISCOVER and it was them requesting 2 years of my tax returns. I asked the woman on the phone why they needed two years of tax returns for a simple XXXX credit limit and why this info wasn't requested during the application process and before the approval process if actually a requirement. She DID NOT answer either of those two questions. She just kept apologizing, but at the same time told me that they request the information with and from existing customers. I was a new customer that NEVER had a card with them before. Still finding her inability to answer my two previous questions and being dodgy made me very suspicious. So I told her to just close out the account i had just been approved for and that i would be filing a complaint with the CFPB. And here I am.
Company Response:
State: MO
Zip: 65301
Submitted Via: Web
Date Sent: 2021-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-02
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I reported fraud and sent police report. Have not received the following finds : XXXX {$78.00}. {$5.00}. {$53.00}. {$20.00}. {$200.00} XXXX XXXX {$20.00}.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A