Date Received: 2021-04-24
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: In XX/XX/XXXX of 2020 I received an email soliciting an " offer '' from Discover credit card. It said If I registered to XXXX 's XXXX and use my Discover Card..I 'd get a {$45.00} credit.I activated this offer and went to XXXX XXXX on XX/XX/XXXX ( the offer expires XX/XX/XXXX ). XXXX 's XXXX activated my account and I paid {$45.00} to XXXX XXXX XXXX because that's what Discover told me to do in order to get a {$45.00} statement credit from Discover. After that, I spent over {$600.00} at XXXX XXXX XXXX over the next few days. However i never received my {$45.00} statement credit from Discover. I called in XXXX and was told my Discover rep that it takes 2 billing cycles. So I decide to wait 4 billing cycles. I called today, XX/XX/XXXX and spoke w a rep who advised that I didnt get the credit from Discover as " XXXX XXXX XXXX " forgot to register me and Discover needed me to call XXXX 'XXXX XXXX and correct this. She advised thar once I do that to call back and ALL the notes were in the system in case someobe else annswered. She said that by callinf Idsocver bsck AFTER calling XXXX 's XXXX, I'd get my statement credit. I asked the rep many times why i needed to do that as it didnt seem to make sense. It felt like " brush off ''. But, the Discover rep assured me once i did that and called Discover back to confirm i had done that, then Discover would be able to provide me w my long overdue {$45.00} Statement Credit. I called XXXX 's XXXX and explained the situation. He asked me a few questions and then told me " you're all set Mr.XXXX we now have you registered. Its odd since you were already registered and already made multiple purchases at XXXX XXXX XXXX AND you used your Discover card each time '' I called Discover and spoke to a new rep. She advised a conflicting report and none of the notes the previous rep wrote were there. I couldn't believe my ears. The first Discover rep gave me a clear/concise set of instructions on what to do in order to receive my credit. The 2nd rep and her subsequent manager made NO effort to even understand my case and immediately admitted she knew that Discover and XXXX 's XXXX made an error that she couldn't help me. Her name is XXXX XXXX of XXXX, AZ. In the end, regardless of any mistakes or blunders caused by XXXX, Discover or XXXX 's XXXX i did what I was required by Discover to do in order to receive my {$45.00} statement credit. They enticed to go out and spend money at a specific business and for that, they would reward me. And now they dont want to pay and people like XXXX XXXX of XXXX, AZ make smug comments and tell me she and Discover could care less about me.
Company Response:
State: FL
Zip: 33181
Submitted Via: Web
Date Sent: 2021-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-24
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/XXXX, I received an offer for {$45.00} cashback when I signed up for a new XXXX XXXX XXXX account. On XX/XX/XXXX, after ensuring I activated the offer, I signed up for the new XXXX XXXX XXXX account. Since it's been more than XXXX billing cycles and I didn't receive a cashback, I contacted Discover. They told me I did not activate the offer, despite getting the message that I did activate the offer. I opened a complaint with XXXX this month. This time, Discover said I did activate the offer, but that I was renewing my membership rather than creating a new membership. I've never had a membership with XXXX XXXX XXXX, so I don't know how they can say that I was renewing a previously existing membership.
Company Response:
State: TX
Zip: 77598
Submitted Via: Web
Date Sent: 2021-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have call XXXX, XXXX and XXXX to let them know I was pair of they error in there system the representative told me I was not part of the error the representative from XXXX hung up the phone in my face they remove the inquires off but they put them back on I am also have been a victim of identify where I had a fraud alert on my credit to state that and the representative didnt seem to care
Company Response:
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-24
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: One the week of XX/XX/2021 I made two payments of {$130.00}. and {$360.00}. The following day on XX/XX/XXXX, Discover shut off access to my card. I was never notified of this action. I only found out when I attempted to log in to my account on XX/XX/XXXX and I was not able to log in and was instructed to call customer service. The customer service agent informed me that I had to submit some paperwork from the Social Security Administration to verify my identity and that the paperwork would be processed in a few days. I received an email stating that my card was ready to use on XX/XX/XXXX. That day I attempted to use my card and it was declined. On XX/XX/XXXX I called Discover and was informed the my payments from the week of XX/XX/XXXX have not processed. Even though the money is no longer in my checking account. The agent then informed my that there is nothing they can do. So I requested that my account be closed. The agent said I would get a letter in the mail and hung up on me.
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2021-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-24
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 husband and I are both XXXX, at XXXX and XXXX, and have lived very frugally all our lives. now the problem : I've had a discover credit card since 2009. We travel back and forth for the winter. about 5-6 years ago fraudulent charges showed and we had to get a new card. I tried to assist with the local police then, since they figured out it was a 'steal ' probably from a gas station. We just arrived back this year on Monday, and already on Tuesday or Wednesday morning I saw a pending charge I know I hadn't made. called their fraud dept. they couldn't do anything til it was as actual charge, vs a pending one. Called back the next day and they closed the account and transferred all charges to another card ( number ) and we received those cards within 2 days. Last night I started changing our automatic payments to the new number and this morning, another fraudulent pending charge. I Called, and was told they could again transfer to a new card and another 2 days, but I decided that was ridiculous. Why do I have to spend hours each morning cuz a new pending fraud pops up. I decided to close the account entirely. They did. Now, in order to open a new discover card, I find out the benefits have changed, and now I'll be charged for cash advances I wasn't charged for on the original card. Tried to get the cancellation reversed -- -no go. Tried to expedite a new card and account expedited so I can maintain our credit score and pay all bills online AND onetime as we have done by using a credit card. When I found out the benefits had changed, it was too bad, so sad. 'they have to treat everyone the same and yada yada XXXX so Im left being charged for cash withdrawals, if I open a new credit card, because they snuck a rule change in on me. I am now looking at all credit card offers, and see that many if not all of them have similar rules and regs, so I'm not grandfathered into my previous benefit of no charge on cash advances if paid in full every month, as we've done for years. XXXX 's a XXXX XXXX XXXX vet, a XXXX XXXX XXXX XXXX for XXXX years and I have a XXXX XXXX in XXXX XXXX, but worked at mostly nonprofit agencies helping underserved and underpaid people, so never made much and don't receive a pension Puny though it seems, I liked the feeling that I was contributing a bit more to our finances by earning stupid frigging cash rewards on credit card charges. We've donated all through our careers -- well, I donated our money -- -to food banks, overseas programs to help third world countries ' residents have a chance at the golden ring. and Wham!!! This year especially was a high donation year for us because we received the stimulus money and hadn't lost anything financially as a result of the pandemic, except for total social isolation, which has been indescribably difficult for me, like so many others in the world We're fully vaccinated as of last XXXX and grateful, but I want to be re-instated to my old discover card account with the old benefits I 'earned ' because of the time I '' m used them, and too bad, so sad. It seems that once again, the big corporations get all the accommodations and WELFARE, and the little people are denigrated. I should be grandfathered into a brand new discover card account because I didn't CAUSE the fraudulent charges, I just wanted to alleviate my aggravation at possible future fraudulent charges. I'm probably made my case ad nauseam to you, but I had to get rid of this frustration some way!
Company Response:
State: OH
Zip: 44256
Submitted Via: Web
Date Sent: 2021-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: After viewing my most recent credit report I notice that there is late payments, which I'd like to get removed as soon as possible. According to my research the federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit so there should have no late payments in my credit report. In addition, the amended law Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) SEC. 4021. CREDIT PROTECTION DURING COVID19. States that you shall report the account as current the program regulations states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.
Company Response:
State: TN
Zip: 37917
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: discover bank has falsified debt collection against me, so they obtained judgement against me in Ohio state on XX/XX/XXXX, while I was live in anther state so they have used unethical attorney to falsified address for me in Ohio that i have never ever lived in. and some how they obtained that judgement against me on XX/XX/XXXX, I have prove of address that I have never lived there plus they are demanding that money frorm person called XXXX XXXX, XXXX A BUT MY NAME IS { XXXX XXXX XXXX } SO THEY HAVE FILED WITH THE COURT TO GRANISHEMENT MY WAGES ON XX/XX/XXXX, SO EVERY THING WAS FRAUD TO GET OVER MY WAGES
Company Response:
State: OH
Zip: 44111
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Discover bank is reporting late notations for XX/XX/20 and XX/XX/20 and I would like them removed. During this time I got XXXX and fell extremely ill. I was out of work for over 3 weeks. Once I was finally able to go back, I had to pay the absolute necessities as I am the head of the household. It took me a couple of months to finally recover financially and I tried my very hardest to pay all my dues. I do not expect them to waive fees but it would be of great help if Discover bank could make a goodwill adjustment of these lates as I am now trying to buy a home. I have been punctual since and this would be a great help.
Company Response:
State: UT
Zip: 84095
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Company Response:
State: FL
Zip: 33157
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: on XX/XX/2021 I found an unauthorized transaction XXXX XXXX XXXX XXXX charge {$85.00} XXXX on my Discover credit card. I called and disputed this charge with Discover. They investigated it and they said this charge was valid and refuse to reverse {$85.00} to me. The Discover told me I need to contact with XXXX XXXX to get a solution. It is just because the XXXX company have provided some documents to Discover? so I have to pay this charge? It is unfair for a customer like me. Case Number : XXXX Merchant Name : XXXX XXXX Dispute Amount : {$85.00} I think the credit card fraud use is not a consumer 's faulty, right? My vehicle is small XXXX XXXX XXXX XXXX the full tank is about 15 gallon at most XXXX and never can add over 25 gallon, {$85.00} XXXX unauthorized transaction by somebody ). After this unauthorized transaction, I was frozen the credit card so nobody will be continue to use it again. But on XX/XX/2021, I found somebody used the card again on XXXX gasoline station - XXXX XXXX and fortunately I blocked it. Please advise me how should I do for this situation? Thanks you very much XXXX XXXX XXXX
Company Response:
State: CA
Zip: 91006
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A