Date Received: 2021-04-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I had issues with the account setup and the holds to make money available that takes so XXXX long to become available and the fact I cant go to an atm to deposit money to my account. it has caused so much XXXX XXXX with transfers and holds to available to my account and even paying my credit cards are late!!
Company Response:
State: CA
Zip: 91767
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had this account closed. I was refunded security deposit in the amount of {$1000.00} via check. Im requesting that this account be removed immediately. It has no use showing on my credit report.
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
Date Received: 2021-04-11
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: Discover Bank advertised an APR of 6.99 % - 24.99 % for personal loans based on CREDIT WORTHINESS. At the time of my loan request, according to XXXX Bank on XX/XX/2016 my FICO Score was XXXX. My loan was approved but my APR for the loan was 14.99 %, when it should have been much lower based on my exceptional credit rating at the time of the loan. I feel that the APR applied to my loan was not fair based on my credit history but, rather it was based on my race, as an XXXX-American.
Company Response:
State: AR
Zip: 72315
Submitted Via: Web
Date Sent: 2021-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-10
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: A person has been trying to get my identification and social to open accounts and etc., they tried to withdraw over XXXX XXXX dollars from my account which was reversed but now the credit I was giving by my bank reversed it and left my account in overdraft and its tAking my deposits to get me through daily and I need my money back
Company Response:
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2021-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-10
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 am an elderly, XXXX female and I signed up for a COVID19 related program with XXXX XXXX XXXX. I was given the month to start to pay again so when I paid when the lady to me the pay they said my account was pass due bc the total amount was not paid. I explained that it was a misunderstanding and that I have never ever been late & that I pay more than minimum sometimes but it didnt matter. Anyone, can make an error, Im old but am a good customer and should not be punished for a misunderstanding. It was their error and their responsibility to notify me by email when the program was ending an payment would be due. Now that they corrected my account, they will not Correct my credit. My credit history speaks for itself & one misunderstanding shouldnt cause me to have bad credit. We are struggling and I notified them, I didnt just stop paying ... its a PANDEMIC! I would appreciate any assistance that you can give me.
Company Response:
State: AL
Zip: 35244
Submitted Via: Web
Date Sent: 2021-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: 1. Identification of the issue The case revolves around seven transactions charged to my credit card account, which I do not recognise as valid. They are as follows : ( a ) XXXX : XXXX XXXX XXXX WA XXXX ( b ) XXXX : XXXX XXXX XXXX WA XXXX ( c ) XXXX : XXXX XXXX XXXX WA XXXX ( d ) XXXX : XXXX XXXX XXXX WA XXXX ( e ) XXXX : XXXX XXXX XXXX WA XXXX ( f ) XXXX XXXX XXXX XXXX XXXX WA XXXX ( g ) XXXX : XXXX XXXX XXXX WA XXXX As of today, transactions ( c ) , ( d ), ( e ), ( f ) and ( g ) have been charged to my account and the relevant amount collected by Discover. I am left bewildered by Discovers complete refusal to acknowledge or respond to letters stating all these seven transactions were unauthorised. 2. Initial action on my part I first noticed these transactions on XX/XX/2020. I did not recognise them and thus dispute all seven through Discovers online portal. 3. Initial response from Discover Six of the transactions were registered on the Disputes page of Discovers web portal. Temporary credit was applied to five of the transactions transactions. Transaction ( a ) received an automated permanent credit as a courtesy adjustment. Transaction ( f ) was neither recognised as disputed in that webpage, nor was there any temporary credit applied. Over the month of XXXX, Discover also sent three letters : One dated XX/XX/XXXX, referring to transaction ( e ), with case ref. XXXX One dated XX/XX/XXXX, referring to transaction ( d ), with case ref. XXXX One dated XX/XX/XXXX, referring to transaction ( g ), with case ref. XXXX Please find all these documents attached. I will note the letter XX/XX/XXXX was a communication of a decision that the transaction was valid, while the two subsequent letters expressed doubt that the transactions were genuine and asked for clarification on that regard. 4. Clarification that transactions were not genuine After receipt of the first two letters on XX/XX/XXXX, I replied with a letter dated that same day. Please find it attached as well. In that letter, I do the following : i. I identify the transactions ii. I make clear I did not authorise these transactions iii. I asked for clarification regarding the status of transaction ( f ) iv. I directly responded to cases XXXX and XXXX v. I made clear what steps I requested Discover take for resolution I did not receive a response to that letter, so I sent a new letter, dated XX/XX/XXXX. Please find it attached. In that letter I reiterated the points above and questioned the decision to reverse the temporary credit on the majority of the transactions. 5. Discovers subsequent ( absence of ) response As of today, I have received no response to either letter. In fact, I have not received any non automated communication from Discover since their letter dated XX/XX/XXXX. This is particularly problematic for two reasons : Discover has made a tacit acknowledgement of my letter dated XX/XX/XXXX, for a pdf copy is listed on the web portal, under the dispute cases cases ref. XXXX and XXXX. I will note that this has not prompted Discover to revisit its decision on either those cases or any other. Discover has made decisions on all six disputes listed ( I will note once again that transaction ( f ) is nowhere to be found ) and reversed the temporary credit in four cases. Please find attached a screenshot of the portal which shows the decisions for each of these cases. I will also add that all temporary credit reversals have taken place before XX/XX/XXXX ; and that in all cases except for transaction ( e ) I have not received any formal communication of the decision to enforce the chargebe it by letter or " via secure message at Discover.com ''.
Company Response:
State: NJ
Zip: 07105
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have over {$1300.00} from discover opened in my name. I also one from XX/XX/XXXX opened 3 months from the other one being closed for likeXX/XX/XXXX and 2 more fromXX/XX/XXXX. and now I have a " serious deliquency '' on my report that should not be on there and I have been fighting this for almost 3 years.
Company Response:
State: FL
Zip: 34668
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX XXXX XXXX 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: NY
Zip: 11210
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: The Verification section claims that their closed the credit card because they were unable to verify identity. In their own findings, the account was not founded as valid. They actively closed the credit card with a balance due without providing purchase review support with fraud department in 2018. After reaching out many times and reporting to police, Fraud support section claims they were unaware of account verification problem at account opening and any subsequent purchase review needs.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
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: On XX/XX/XXXX me and other 500 clients were scammed by The XXXX XXXX/XXXX XXXX XXXX. They promised to render services as of the date the purchase and contract was made, they never did. The services were for them to open up my XXXX business, administer my business, and file any other paperwork on my behalf and they would also get paid 30 % from my earnings. My XXXX business was opened until XX/XX/XXXX and I did all the filing they never helped me with none of that. They only provided brief information on what I had to do to open my LLC. Their service fee was XXXX plus XXXX to a " lender '' who told me I he would help me get approved by credit card companies. This lender by the name of XXXX XXXX and XXXX from XXXX worked with the XXXX to get people approved within 30 to 45 min. Later on I found out they were also charging these fees to get extra money from customers. I got approved for XXXX {$11000.00}, Discover {$10000.00}, XXXX XXXX XXXX {$5000.00}, and XXXX {$4000.00}. My XXXX business was only up from XX/XX/XXXX till XX/XX/XXXX I notified my cards after I saw that my business was put on vacation mode for far too long with no explanation. I later found out by another client that the 4 owner/managers of the XXXX were suing each other. XXXX who was in charge of managing all orders for each store had stolen our personal information as well as card information. Later on XXXX, one of the owners posted on a XXXX group what was going on between them. He only put out that all stores would be put on hold. Most of the clients and myself did the buy back provision before the deadline and never received our money back. I only got the response from XXXX saying he could not sign the document to give back my money because he didn't have anything, to speak to his lawyer. He later on explained that they were suing XXXX to get all customers paid for since he had been stealing all the funds. I provided all information that the credit cards needed from me and made a dispute and they told me they could not help me since it had been more than the 60 days. I understand its more than the 60 days but these people promised me and signed contract which they fail to fulfill. As to what I understand these four credit card companies were contacted by them so I could get approved. I do not have the funds to keep paying for a debt that I got scammed and never had full service rendered to me.
Company Response:
State: TX
Zip: 791XX
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A