Date Received: 2021-04-12
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: XXXX, XXXX, I was cyber scammed, I had Discover card agent on the phone telling them do not except this charge, they still gave the bad guy the money. Please help me.
Company Response:
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
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 called Discover to alert them that someone is re-aging my account XXXX I personally have not made a payment on this account since XXXX when the account was closed for no reason and flagged as a security breach and threat to the company. They closed a perfectly good account with no explanation. For this reason I stopped paying and using the account in XXXX. The account was due to fall off my credit so I called Discover to find out when the derogatory account was going to fall off due to the 7 year statue of limitation. All of a sudden from XX/XX/XXXX to XX/XX/XXXX. ( TWENTY ONE UN ANSWERED PAYMENTS DONATED TO MY ACCOUNT OUT OF THE BLUE ). Re-aging the account til XX/XX/XXXX. This is down right dirty if I made the payments what card or bank did I use to make such payments There has to financial records to prove this if they got payments. This was intentionally done by DISCOVER because XXXX on earth knows that I did not make those payments it makes no sense when the account was closed by Discover in XXXX. 21 payments made by someone other than myself this is a shame. Who would make payments 120 days past due. I'm going to the FTC this is wrong dead wrong. I want proof of these payments because I'm the only one that would have made them.
Company Response:
State: IL
Zip: 60443
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
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: My discover account was paid off, payments were made but it is still reported that there were late payments. I'm asking for this to be corrected. I attempted to speak to discover regarding this and they neglected to work with me on any months that payments were received. I also tried to satisfy the payment with this creditor prior to it going to a debt collector and discover was unwilling to do so. Due to the covid pandemic and lack of employment I was unable to satisfy this immediately.
Company Response:
State: MI
Zip: 48507
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
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/XXXX discover alerted me of unusual activity on my card as soon as I looked at my account and saw what was there I call my family to see who was using the card. At that time my sons discovered his wallet was stolen or missing. I immediately called discover to dispute they were friendly at first and reversed the charges. 30 days later and get a notice saying that since we didn't fill out forms there was no fraud and service rep told me the places were local you have been there before you are reasonable for the charges. I again said we received nothing nor any calls .she said she would reopen the investigation she said she did and wait 2 weeks for now forms ... i waited 3 weeks nothing I called back she didn't do anything the rep said and sent the forms when I got them I promptly sighed them and got police report incidents number as they requested. I waited 2 weeks later I called again oh yes we got your papers would you like to continue? I said of course why else would I have sent then. They have sent me a notice saying there done investigating and i am still response for these charges. this is after the police report saying the card was stolen. The following charges were not authorized by anyone on my account and discover can not sent me any proof showing me that these were done by anyone on my account. XX/XX/2020, a transaction from XXXX # XXXX XXXX FL in the amount of {$84.00} o XX/XX/2020, a transaction from XXXX # XXXX XXXX FL in the amount of {$51.00} o XX/XX/2020, a transaction from XXXX # XXXX XXXX FL in the amount of {$28.00} o XX/XX/2020, a transaction from XXXX XXXX XXXX # XXXX XXXX FL in the amount of {$230.00} o XX/XX/2020, a transaction from XXXX XXXX XXXX # XXXX XXXX FL in the amount of {$210.00} o XX/XX/2020, a transaction from XXXX XXXX XXXX # XXXX XXXX FL in the amount of {$75.00}
Company Response:
State: FL
Zip: 33021
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: This is additional information for Discover Card. For 4 years I have been claiming theft and fraud of the Discover Card. The card was stolen and fraudulently used. Attached is my XX/XX/XXXX Sheriff 's Report. Also attached is XX/XX/XXXX XXXX County Judgment and felony conviction for credit card abuse and references my card. Also attached is XXXX Mississippi arrest for false pretenses, forgery, and credit card abuse. This should be important to Discover. It reflects how she impersonated her own father and how she manipulates. She was even writing large hot checks to buy cars. She has to have a XXXX loose and is a mean twisted person. I am also attaching a FTC fraud report on a dealership. XXXX XXXX convinced them to pull my credit report without permission to check me out and then forged an application and purchase.
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: This is additional information for Discover Card. For 4 years I have been claiming theft and fraud of the Discover Card. The card was stolen and fraudulently used. Attached is my XX/XX/XXXX XXXX 's report listing XXXX XXXX as the thief. Also attached is XX/XX/XXXX XXXX XXXX XXXX and XXXX Conviction for credit card abuse. The conviction was one of my cards as referenced in documents. Also attached is her XXXX Mississippi arrest for false pretenses, forgery, credit card abuse. This should be important to Discover. It reflects how she had impersonated her own father and how she manipulates. She was even writing large hot checks to buy cars. She has to have a XXXX loose and is a mean twisted person. I am also attaching a my fraud report on a dealership. XXXX XXXX convinced them to pull my credit report without permission to check me out and then forged an application and purchase.
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: As most American, lve been deeply affected by the Pandemic and my ability to stay afloat financially has been quite challenging. Ive contacted discover back on XX/XX/2020 and just today. I also just received a certified letter from Discover indicating that legal actions will begin on XX/XX/2020 from which legal judgment against me will follow. I was previously set up on a payment of close to {$300.00} for a balance on XXXX. I failed behind on those arrangement and called on both occasions to find payments alternatives, however, on both occasions, I felt as if discover was trying to coerce me into payments agreement I can not afford or maintained. They concerned is to try to prevent the charge off the account, even though me, the customer, can not afford. They keep stating that the dont want to exacerbate my ongoing hardship, but payment of close to {$300.00} for 24 months is something I should be able to do, according to discover, which is crazy as my finances paint a different story. The offered two settlements options today, one for over XXXX and another one, of over XXXX, both to be paid within 24 months. However, these range from close to {$300.00} to over {$200.00}. When I asked a longer than 24 months settlement for the reduced balance for over XXXX, discover stated it could not be done. Not an option for me at the moment, they say. The representative I spoke to a moment ago wanted me to accept a hardship payment for {$35.00} for 90 days, then paying the entire XXXX balance at the end, which and again, is not an option, but he wanted to know why I was not accepting this offer as he was trying to avoid the account from being charged off. He became aggressive even though I clearly indicated I wasnt comfortable with the hardship plan as it didnt address the main issue of paying back the XXXX owed, which I take full responsibility for. I dont have XXXX laying around today for Discover Credit card, I doubt Ill have that in 90 days to give to discover. The representative got so heated during the call that I politely thank him for his time and advise that I was terminating the call. Which I did
Company Response:
State: OH
Zip: 43223
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-11
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 XXXX XXXX on XXXX on XX/XX/2020, this is an electronic device that processes transactions for cryptocurrency and you are rewarded for your participation with cryptocurrency in your account. The day after the sale I messaged the seller because the XXXX ad said free shipping, but I was being charged shipping. The seller said he will cancel the transaction because the shipping charges were substantial, I agreed with this. I got a message from XXXX saying the seller canceled the transaction. After a week, I was still not seeing my payment refunded to my account so I called XXXX. The XXXX representative told me to try canceling the transaction my self because there was no option to request a dispute. I cancelled the transaction on my end and after another week, there was still no refund. The next XXXX representative told me to file a dispute with Discover, which I did on XX/XX/2020. I filed the dispute and uploaded a document for the dispute that I tried to cancel it but it could not cancel because the refund process failed, discover removed the charge from my account pending the decision of the investigation. Since the seller canceled the transaction, they never did send me the device that I paid for. After a month or so Discover put the charge back on my account and and sent me an email stating the investigation was found in favor of the seller, attached was a file that had the XXXX ad and a statement from the seller stating the problem was with XXXX and I should call XXXX. I called to complain on XX/XX/2020 and they took the charge back off until they performed another investigation. Once again after a month, they reapplied the charge to my account and sent the same email with the same attachment. Once again I called to complain on XX/XX/2020 so they removed the charge again and continued the investigation. After month Discover once again reapplied the charge to my account and sent the same email and attachment. This time when I called on XX/XX/2020, they stated that the investigation had gone to arbitration and the dispute was found in favor of the seller who cancelled the transaction and never sent me anything because the XXXX ad stated that " Due to the volatile nature of XXXX and the many scammers, there is no returns '', this statement by the seller made them believe the item was shipped to me and I was unhappy with it due to me not uploading more documentation ( which during their investigation I was never asked for more documentation ). I have called several time trying to resolve this, but they are completely unwilling to consider the new proof I have uploaded, the only they did was call the seller and 3-way me on the call to talk to him about where the money was, the Discover representative never said a word during this call. I have called XXXX XXXX many times about this also and was always told they could not tell me anything about this transaction since it was in dispute from Discover, except for the last time when the representative was able to tell me they released the funds to the seller on XX/XX/XXXX when Discover ended their arbitration in favor of the seller, the representative ended the call saying she will send this to their legal department since they released the funds to the seller without proof of shipping the product. Calls to XXXX have been fruitless as well, they show the transaction was cancelled and no refund was issued. I paid for a product that I never received, the transaction was canceled by the seller and Discover, XXXX, and XXXX are not willing to accept the fact that this was a fraudulent transaction.
Company Response:
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2021-04-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have reached out numerous times via phone and by mail to get a clear copy of the original contract and initial paper along with ALL Statements/Bills with no success. I am simply reaching out to them to get these documents for my records.
Company Response:
State: NC
Zip: 27105
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account DOES NOT BELONG TO ME
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A