Date Received: 2023-11-05
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: Purchase a wedding dress from XXXX XXXX XXXX in XX/XX/2023. In XX/XX/2023 when the dress was due to be delivered, we found that the store had a note on their door that they have been shut down due to not paying the rent. We then received an email from, the merchant letting us know to contact the designers warehouse to find our dress. Once I contacted the designer warehouse, I discovered that the money that I had paid XXXX XXXXXXXX never paid that towards the dress. I then had to find another XXXX and pay full price for the dress and have it delivered to them. I had made a payment of {$1400.00} which was never applied towards the balance of the dress. I then had to pay an additional XXXX to re-purchase the dress and veil. I had forwarded both the original receipt from the boutique that closed down as well as the receipt where I had to re-purchase the dress because it was never paid for. I then was able to get an email from the merchant stating that I did make the payment, I did not receive the merchandise and I was due a refund and Discover still saying that it is a valid charge him or not take that charge off of my card. I am basically paying for a charge that I did not receive any merchandise for. This made national news when XXXX XXXX XXXX XXXX affected several Brides for the same issue.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dear XXXX XXXX XXXX XXXX DISCOVER, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from DISCOVER. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon seven ( 7 ) days of this notice, as well as the associated chose in action insurance policy/ies. I am also requesting the governing XXXX instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. Sincerely, XXXX XXXX
Company Response:
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: In beginning of XX/XX/XXXX I was served with a small claims lawsuit from Discover Bank Credit Card representing them was XXXX XXXX XXXX a debt collection firm. I was in current negotiations with Discover about optional payment resolutions, when in XX/XX/XXXX they stopped trying to help me and sued me for a non secured credit card. Discover locked me out of my account and I could not get my financial statements and disclosures. I asked Discover and their debt collector XXXX XXXX XXXX. to send me a copy of my financial statements and disclosures and neither of them have sent me copies of my financial statements and disclosures. I asked Discover and XXXX for a debt collection validation notice in XX/XX/XXXX and neither of them have sent me anything. From XX/XX/XXXX to XX/XX/XXXX I received 3 to 4 phone calls per day, sometimes from a person, most of the time from a robot from Discover calling himself XXXX. I asked Discover to stop the repetitive phone calls and they did not. Discover annoyed and harassed me from XX/XX/XXXX to XX/XX/XXXX, the calls did not stop till they filed a law suit against me on XX/XX/XXXX. The credit card disclosures require to go through arbitration, mediation, or other alternative disputes before going to court and, this process was skipped and Discover filed a lawsuit against me without even providing a debt validation notice.
Company Response:
State: TX
Zip: 79925
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Fraudulent wire was made in my online banking account for {$28000.00} on XX/XX/23 XXXX AM XXXX to an unknown and unauthorized bank account. I caught it and called Discover Bank at XXXX PM XXXX and told them to cancel and stop payment immediately! This was within 4 hours of the wire attempt. They confirmed and said they put the wire on recall. I called multiple times in the next days and each time they said the wire was still on recall and I had to wait. I kept asking and requesting for a permanent stop, but they kept telling me they could only recall. The email I had received with original info of the attempted wire transfer ( that I did not make ) states, " A Wire Transfer Specialist will verify your wire details before the transfer is processed. '' No one ever called me or verified anything with me. Absolutely no money should have been sent without verified consent. But more importantly the wire should have been stopped as soon as I called them to inform them. Furthermore and worst, at XXXX AM XXXX on XX/XX/23 I received a notice from Discover Bank stating the funds have successfully transferred!!! How could that be possible if I told them it was fraud and to stop payment?! And they had already confirmed it was on recall. After many requests and demands, they would not make it possible for me to speak with a wire specialist or anyone that could give me the help I needed such as wire details, the bank account the funds were wired to, name, account number, or anything that could help me take action on my own. I was willing to do everything in my power, Discover Bank was not. This is my life savings and I am currently unable to buy basic life necessities like food and water and Discover Bank did nothing after I told them to STOP PAYMENT! It has now been over 4 full days since I originally called and the bank has not recovered the funds they wrongfully processed nor a phone call from an investigator or anything of the sort, and I am left with no time frame either as to when they will be returning the funds back into my account that I use for every day survival. Federal reference number for Wire transfer XXXX
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The following companies have made reports on my credit and shared personal data that was not consented to report, share or make public on my credit report. I have not given written nor verbal consent to any company to share, collect, sell or use my personal information on a credit reporting. This is a violation of 15 U.S. Code $ 1681c-2 and 15 U. S Code 1681b
Company Response:
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This account was oppen sometime earlier this year. It took about 3 or 4 months for me to catch it. I immediately contacted Discover. They notified whomever opened the account and I assume could not make contact. The account was closed immediately do to not being able to actually ID THE person who opened the account. Discover deemed they had not enough proof of if identity and shut it down. This was removed from my XXXX and XXXX reports. For some reason I'm getting a lot of trouble removing it from XXXX. The account was literally closed by Discover for not being able to identify the owner. MORE PROOF IT WAS NOT ME THAT OPENED THIS. THIS NEEDS to please be removed until Discover can provide actually proof of ownership.
Company Response:
State: FL
Zip: 32404
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Company Response:
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
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: When i got my statement for XX/XX/2023. They want me to pay them for a credit of {$180.00} they say they gave until my dispute was solved. I have e-mails from Discover & the sealer where XXXX XXXX played games with Discover about given me a credit & then retract it then but it back. Now they want me to pay Discover {$180.00} by XX/XX/XXXX I talked to twelve different agents.some say i do not owe it.When ask them to take off of my bill for XXXX. They set me to some who has the power & means to do that but they look at the account they say i owe it But they agree i got two credits & when i tell them since i have not used Discover XXXX XXXXXXXX XXXX take XXXXXXXX XXXX & pay Discover But what got me, they told me after one of them that i did not have to pay the {$180.00} and a supervisor would call me in 24 hrs. & when i called this morning no one there new any thing about that procedure
Company Response:
State: GA
Zip: 301XX
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: DISCOVER BANK has committed Securities FRAUD against XXXX XXXX. I have never invested in DISCOVER BANK or consent to pay this company. DISCOVER BANK has take out securities out in my name with out my knowledge or consent. DISCOVER BANK has committed 18 U.S.C. 1348 securities fraud is the unlawful practice of using manipulative or deceptive tactics to purchase or sell a security. Fraud is a commonly prosecuted federal crime in the United States and securities fraud charges. DISCOVER BANK has taking {$250000.00} per transaction from FDIC Insurance policy that I did not content to and need to return all funds that belong to XXXX XXXX. I, XXXX XXXX revoke all securities interest that DISCOVER BANK has taking. Please use the GAAP accountant system for my refund of my funds. ALL ACCOUNTS ARE PREPAID Senate document NO.43, 73rd Congress The ownership of all property is in the State, Individuals, so-called ownership is only by virtue of the government, i.e., law, announcing to mere user and use must be in accordance with the law, and sub-ordinate to the necessities of the state. Congressional Record, March 9th, 1933, on HR1491, pg. 83 Under the new law, the money is issued to the banks in return for government obligations, bill-of exchange, drafts, notes trade acceptance, and bankers acceptance. The money will be worth XXXX cents on the dollar because it is backed by the credit of the nation. It will represent a mortgage on all the homes and other property of the people of the nation. Title 18 8 Obligation or other securities of the United States defined : The term Obligations or other security of the United States includes all bonds, certificate of indebtedness, national bank currency , Federal Reserve notes, coupons United State notes, Treasury notes, gold certificate, silver certificate, fractional notes, certificate of deposit, bills, checks, or draft for money drawn by or upon authorized officers of the United States, stamps and other representatives of value of whatever deamination, issued under any Act of Congress, and canceled United States stamps. FRNs are obligations of United States HJR 192 : The term obligation means Federal Reserve notes and circulating notes of the Federal Reserve banks and national banking associations. Title 31 3123 makes a statutory pledge of the United States government to payment of obligations and interest on the public debt. Title 31 3123 Payment of obligation and interest on the public debt ( a ) The faith of the United States Government is pledged to pay, in legal tender, principles and interest on the obligation of the Government issued under this chapter. ( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt, As the Secretary considers expedient, the Secretary may Pay in advance interest of the public debt by a period of not more the one year, with or without a rebate of interest on the coupons. Therefore, the government pledges to pay government obligations which Federal Reserve notes are and pay them in FRNs which is legal tender. Taxes and all bills associate with corporations are all government obligations which they must pay when we accept them for value and return them to the government that has an obligation to settle the debt dollar for dollar. It is a fact : Title 31 3130 further delineates in its definitions a portion of the total public debt, which is held by the public as the Net public debt, 3130. Annual Public Debt Report
Company Response:
State: FL
Zip: 34711
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I applied for a Discover loan on XXXX and got denied regardless of the reason for being denied I have the right to credit. Denying me access to my credit under the Equal Credit Opportunity Act is discrimination. Withholding my access to my securities is securities fraud you are violating the Equal Credit Opportunity Act and the Consumer Credit Protection Act. Since you are denying me, my credit please retract my application thank you. XXXXXXXX XXXXa attorney in fact For ; XXXX, XXXX
Company Response:
State: VA
Zip: 23602
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A