Date Received: 2021-04-17
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Discover bank account.There was fraudulent activity on account. Bank closed account. When they closed the account I received several incoming payments. They said they will pay it within two months this was in XXXX. They told me they owe me {$160.00} before they shut it down. Now their saying they owe me nothing. During the fraud they got all their money back, but I had 3 paychecks come during the account closure and their pretending they dont know about it. I just want my money.
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2021-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have reached out to this creditor and the credit bureaus on multiple occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and i have yet to get a response to my disputes. the Tradeline is outdated and paid in full. I would like the negative tradeline remove from my credit report.
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2021-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: To whom it may concern I am looking over my hard inquires with XXXX and there are a few inaccurate information that either should have been taken care of but for some reason wasn't. Today 's date is XX/XX/XXXX XXXX CARD in XX/XX/XXXX was fraud and XXXX XXXX on the same date XX/XX/XXXX was never authorized by me I never signed anything and I was told would be off my report asap. I understand that's newer so that might take some time. I also have a discover XX/XX/XXXX which i spoke to plenty of times and they removed it from XXXX and discover as i never authorized that either and was fraud. I wrote them letters and everything under fair credit report also so I am unsure why that is still on there. Than the last one that i never gave anyone any permission to run my credit was XXXX CARD XX/XX/XXXX. There customer service team was very helpful and removed from XXXX and XXXX but it is still showing on my XXXX credit profile.
Company Response:
State: NY
Zip: 10305
Submitted Via: Web
Date Sent: 2021-04-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have a hard inquiry from Discover that is incorrectly reporting on my credit. They also said it wasn't going to be a hard pull but now that I have access to my score/report, I see that is not the case. This is unfair because these major institutions already know the consequences of these things on your report yet they don't care to remove them when you ask. This limits my ability to attain funding for my business/investment in the United States. Furthermore, XXXX took a hard inquiry on my account when I was still immature about my credit. I asked them if it shows up on my credit score and the employee told me " No, it shouldn't ''. Now that I am looking at my score with more knowledge of how it works, I want to get my hard inquiries removed if at all possible.
Company Response:
State: IN
Zip: 46227
Submitted Via: Web
Date Sent: 2021-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-17
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I lost my job due to covid ans this bank didnt even let me know or offer me assurance which caused my account to fall behind and be delinquent now I called customer service they refuse to assist me they blocked my online access they wont even mail me statements they stopped sending me so how was I supposed to make a payment without a bill I asked they refused to send me a paper statement by mail to see my balance and offer hardship Assistnaxe I was a loyal customer until this happened to me
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2021-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XX/XX/2021 : Discover denied application denied due to : LACK OF RECENT REVOLVING ACCOUNT INFORMATION XX/XX/2021 : Discover denied the application due to : RECENT REVOLVING ACCOUNT ACCOUNT INFORMATION NOW PRESENT
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
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 purchased a stroller from XXXX on XX/XX/2020. Immediately upon receipt of my purchase, I noticed upon opening the package, not only that its not what I ordered, but that it was used and dirty. I contacted XXXX to let them know of what had occurred and was told by an XXXX representative to return the item with a pre-paid shipping label that they were sending me. I sent the item back through XXXX on XX/XX/2020. Tracking ( XXXX ) showed that the item was delivered to XXXX on XX/XX/2020. Weeks went by and I never received a refund. I then started calling XXXX to try to find out what was going on. First they would tell me that they havent received the item, even though tracking showed it was delivered and then they were saying that what they received is not what I purchased. I told them that I know, and that is why I am returning it. Long story short, I was unsuccessful trying to get a refund through XXXX. I then disputed with my credit card company ( Discover ) and initially was told that they ruled in my favor and then a few weeks later they reversed the credit and I am again being charged for something that first, I received the wrong item and second, I no longer even have in my possession as I returned it to XXXX. I ended up disputing twice through Discover and was not successful. They are asking me for the original XXXX label which I dont have and XXXX can not provide, as so much time has elapsed. I provided as proof, the email from XXXX customer service telling me to return the item back to them, an email showing my return summary from XXXX, the XXXX drop-off label showing I dropped the item off at the UPS Store and a XXXX tracking receipt showing the item was delivered. Still none of this is good enough for them. I am now accruing interest on these charges and Discover is unwilling to help me further.
Company Response:
State: NJ
Zip: 08611
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-15
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: Consumer struggling for refund of COVID-19 cancelled travel-On XXXX XX/XX/XXXX, I purchased an Airline Ticket through XXXX on XXXX XXXX traveling on XX/XX/XXXX ( XXXX ) on my Discover Credit Card for {$980.00} for my wife and I. XXXX notified me on XX/XX/XXXX that XXXX XXXX had made a schedule change and my flight was no longer available. Once I canceled I would receive a refund. It noted that I should receive a refund within 8 weeks. I canceled and called XXXX XXXX and made another reservation ( XXXX ), since I had already made arrangements traveling on the XX/XX/XXXX with the XXXX Embassy on my travel date to include a Certificate of Entry, Visa, Hotel Quarantine, Covid-19 RT-PCR Test, and fit to fly medical certificate-I did not want any changes to become problematic by changing my travel date of XX/XX/XXXX. I went ahead and notified Discover Credit XX/XX/XXXX via a dispute ( # XXXX ) with all documentation where XXXX XXXX I would receive a refund. XXXX XXXX chimed in on XX/XX/XXXX that the Transaction has been found to be valid, no refund is due and I had one year to travel on that original ticket. Well I was surprised that Discover sided with XXXX XXXX even with all documentation of XXXX processing a refund. I already have met their arrangement via my second purchase of tickets on XXXX XXXX within the one year requirement and Discover still will not give me a documented XXXX refund. I expected to get my money back because I was not the person who cancelled the trip, " I am still owed a refund when an airline significantly changes or cancels your flight. Getting your money back for a vacation cancelled due to COVID-19 remains a real battle, especially with online travel agencies. You need to know what is going on with these Covid-19 Scams. Next stop is the Florida Attorney General and the Department of Transportation.
Company Response:
State: FL
Zip: 32812
Submitted Via: Web
Date Sent: 2021-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-15
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: On XX/XX/XXXX I received a suspicious email from Discover Credit Card / Discover Protection Services XXXX. The email was requesting that I open a link in the email and complete IRS Form 4506 - C. My first thought was, why & under what authority does a creditor have to request access to my tax returns. I called Discover Credit Card at XXXX ( XXXX ) XXXX even though the email stated if I had any questions, I should call XXXX ( XXXX ) XXXX. I spoke to the Discover Representative and shared my concern regarding the email, the request of my tax returns, & phone number provided in the email. She advised me to ignore it because it was a scam, but I felt that the Discover Representative was not taking the matter seriously, so I asked to be transferred to the FRAUD DEPARTMENT. When I spoke to the Discover Representative in the fraud department, I was advised that Discover is demanding that I complete IRS Form 4506-C so they can review my previous 2 years of tax returns. I asked the Representative under what authority does Discover have to request the tax returns of one of their clients & I was told in a patronizing & sarcastic tone " IN THE CREDIT AGREEMENT '' I asked them to hold while I obtained a copy of the credit agreement & once I did I couldn't locate the wording of Discover asking & requiring a Client to complete & submit IRS Form 4506-C. I asked the Discover Representative to please guide me to where on the credit agreement it states that Discover can at any time demand a client to complete IRS Form 4506-C and have access to a clients IRS Tax returns. The Discover Representative stated, " I don't know where it is ''. I then asked to speak to a Supervisor and was placed on a extended hold. When the Discover Representative came back on the line, he stated that a Supervisor is not available & if I don't comply my credit card ending ( XXXX ) will be permanently closed & I will be responsible for any outstanding balance. I have two Discover Credit Cards, one ending in XXXX ( {$3500.00} Credit Limit ) & the other ending in XXXX ( {$5500.00} Credit Limit ). Since I was granted both Discover Credit Cards, I have an excellent payment History with no missed payments, late payments exceeding 30 days, & always paying more than the minimal requirement. On XX/XX/XXXX I filed a complaint with CFPB ( XXXX ) regarding Discover arbitrarily reducing my credit limit on my Discover Credit Card ending in ( XXXX - same card in this complaint ) EMPHASIZING that Discover actions has had a negative impact on my credit score, credit worthiness & resulting on my debt to income/available credit rise in a significantly. A discover representative contacted me after I filed my complaint with the CFPB & advised me that Discover is going to reverse their decision and restore my credit limit to it's original amount. It's been 4 months now since that incident and now I'm facing another incident with Discover regarding the same credit card ( retaliation for my original complaint filed against Discover with the CFPB??????? ) I refuse to comply with Discovers request to have access to my Tax Returns. Allowing Discover to have access to my confidential IRS data is insane. They already have access to my entire credit reports from the credit bureaus as well as my excellent purchase and payment history accumulated during my time with both Discover Credit Cards.If they have access to my IRS tax history, they'll know my charitable and political donation recipients, my investment practices including stock investment gains/losses and financial firms that I use for investment purposes and they'll know my deductions and expenses. Discover already have a privacy policy that allows them to share anything they know about me with their " business partners and affiliates '' for any purpose they want including marketing products and services & it's not in my best interest to empower any 3rd party marketing firms to target me. In the response from Discovery I will like them to direct me where I can read for myself that at any time they reserve the right to ask for my tax returns because I cant find it. Please refer to the attachment and view the Discover Credit Agreement.
Company Response:
State: MT
Zip: 595XX
Submitted Via: Web
Date Sent: 2021-04-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Company Response:
State: FL
Zip: 32305
Submitted Via: Web
Date Sent: 2021-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A