Date Received: 2021-03-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I had a discover card in college. I lost it XX/XX/2015. I thought it was shut down, but there were more charges on it and it showed up on my credit report as a charge off.
Company Response:
State: NY
Zip: 141XX
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am a victim of identity fraud. My Discover, XXXX XXXX and tax returns have been hacked. I have a pin # to use for the IRS
Company Response:
State: IN
Zip: 46032
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I connected with someone on XXXX who had a profile as an instructor at XXXX XXXX XXXX XXXX University XXXX XXXX, Florida and who later went on to say that he was being sent overseas again by the CIA on an undercover assignment for our country. He also said he had made me his sole contact and that his " handler '' would text me information to send to him once he was in XXXX so that he could access the XXXX account and send money through to my credit cards so I could take out cash advances and send them to him via bitcoins for him to conduct the project he was sent on assignment to do. Money started showing up in some of my credit card accounts and I was eventually sent a " promissory agreement '' on what appeared to be real CIA letterhead so I went forward with using my Discover card for balance transfers from other credit cards so I could get cash advances from them to send bitcoins to him thinking I was helping not only him but our country. Eventually it became clear that it was a scam after all of the money sent through to my credit card accounts was sucked back out after I sent him the funds and did a couple of other things he asked me to do with the money sent through. I contacted Discover about this when I realized that it was likely a scam, saw all of the money he sent through to my Discover card had been sucked out after I did balance transfers. They told me I am responsible for the debt even though they authorized the release of funds while apparently the money he sent through was still processing. I also sent them the attached letter by registered mail a few weeks ago and have not heard back from them regarding how they would be able to at least reduce the debt and interest being charged, or hopefully release me from being responsible for the balance transfers that occurred during the time he was ending funds through and then sucking them back out. The information below is from credit card statements Discover sent and the payments over {$1000.00} shown below are the payments he sent through to my account : XX/XX/XXXX CASHBACK BONUS REDEMPTION PYMT/STMT CRDT - {$63.00} XX/XX/XXXX PHONE PAYMENT - THANK YOU - {$500.00} XX/XX/XXXX PAYMENT - THANK YOU - {$10000.00} XX/XX/XXXX PAYMENT - THANK YOU - {$10000.00} XX/XX/XXXX PAYMENT - THANK YOU - {$10000.00} XX/XX/XXXX PAYMENT ADJUSTMENT {$10000.00} XX/XX/XXXX XXXX XXXX BUSINESS CARD XXXX M Balance Transfers {$3500.00} APR 0.00 % EXPIRES XX/XX/XXXX XX/XX/XXXX PAYMENT ADJUSTMENT {$10000.00} XX/XX/XXXX PAYMENT ADJUSTMENT {$10000.00} XX/XX/XXXX XXXX XXXX BUSINESS CARD XXXX M Balance Transfers {$1900.00} APR 0.00 % EXPIRES XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX DE Balance Transfers {$16000.00} APR 0.00 % EXPIRES XX/XX/XXXX BAL TRANS FEE {$57.00} BAL TRANS FEE {$490.00} RETURNED CHECK CHARGE {$29.00} RETURNED CHECK CHARGE {$29.00} RETURNED CHECK CHARGE {$29.00} TOTAL FEES CHARGED IN XXXX {$1200.00} TOTAL INTEREST CHARGED IN XXXX {$0.00} XX/XX/XXXX PAYMENT ADJUSTMENT {$10000.00} XX/XX/XXXX PAYMENT ADJUSTMENT {$10000.00} XX/XX/XXXX XXXX XXXX BUSINESS CARD XXXX M Balance Transfers {$1900.00} APR 0.00 % EXPIRES XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX DE Balance Transfers {$16000.00} XX/XX/XXXX PAYMENT - THANK YOU {$10000.00} SECURITY DISPUTE ADJUSTMENT XX/XX/XXXX PAYMENT - THANK YOU {$10000.00} SECURITY DISPUTE ADJUSTMENT XX/XX/XXXX PAYMENT - THANK YOU {$10000.00} SECURITY DISPUTE ADJUSTMENT XX/XX/XXXX INTERNET PAYMENT - THANK YOU - {$730.00} XX/XX/XXXX TRANSFER BALANCE - {$30000.00} The payments shown here were also sucked out but show as " Transfer Balance ''. XX/XX/XXXX TRANSFER BALANCE - {$30000.00} XX/XX/XXXX INTERNET PAYMENT - THANK YOU - {$800.00} XX/XX/XXXX TRANSFER BALANCE Other/Miscellaneous {$30000.00}
Company Response:
State: FL
Zip: 33196
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: First and foremost, Discover is in violation of numerous consumer credit laws. I used my credit card as defined by 15 usc 1602 ( l ) to enter into a consumer credit transaction with Discover. Since then, they have been sending me deceptive forms as described in 15 USC 1692j for me to pay on an alleged " debt '' when in fact, I am the original creditor and the consumer. Pursuant to 15 usc 1692c, I have informed them in writing that I wish to no longer pay on this alleged debt. 15 USC1605 ( a ) states that " the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges '', but in contrast, Discover has taken a plethora of comparable cash transactions ( ACH payments ) over a course of time.
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
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: A " product/service not as expected '' dispute/claim was opened with Discover ( # XXXX ) for just under {$28.00} against XXXX XXXX XXXX XXXX XXXX on XX/XX/21. To-date, the Hotel has outright refused to acknowledge or discuss the matter with me, both during the stay, as well as in the weeks following. Copies of attempted correspondence, showing where the hotel was reading my messages, but refusing to respond, were submitted as additional documentation -- further proving my claim of poor service / no service from the Hotel. The Hotel allegedly sent Discover documentation both irrelevant to the substance of the dispute, but also that contained no valid signature and apparently some sort of contract with the " signature box '' superimposed over the document. It's my position that I never saw or signed this document. Regardless, Discover CLOSED the dispute, and found in favor of the RESPONDENT, never once requiring that the Respondent make a good-faith effort to address my concerns. Discover clearly had knowledge that the dispute was concerning quality of service. Not only does this conduct fly in the face of the cardholder agreement and federal regulations, but IF Discover 's conduct were allowed to stand, it would signal that a consumer has no recourse for not receiving service ordered and paid-for. My position and updated claim is as follows : Discover can not make a decision on respondent 's claim because Respondent has not touched substance matter of dispute as filed by me. 1. Dispute was opened on a transaction involving XXXX XXXX XXXX XXXX XXXX, on the basis of refusal of service entirely. Additional submittals were included, showing where Hotel was actively reading, and ignoring my calls for help. 2. The Hotel never responded to me, either in person or in writing, during or after my stay. In fact, they did not even respond to Discover until AFTER Discover initially decided in my favor ( as a result of Respondent not doing anything about the dispute ). 3. Although the Hotel continued to ignore my complaints of not receiving the service/product ordered, it is important to note that their submittal to Discover treats the claim not as a failure to deliver service/product ordered, but claims they are 1 ) not a party to the dispute, and 2 ) fails to address their conduct with regard to failure to service, despite having paid good and valuable money for such service. 4. Discover erred in closing the dispute, claiming that the dispute was " found to be valid. '' Discover CAN NOT make a decision on Hotel 's submittal as the Hotel has not addressed the substance of the claim : " product/service not delivered as expected. '' Note : it is important to understand that the claim made is/was proper as my claim is directly with the Hotel for their actions and NOT XXXX or any other entity. The {$30.00} charge is the proper avenue to dispute Hotel 's actions as they are the responsible party and the issue at-hand occurred AFTER XXXX had handed the customer over to Hotel for handling.
Company Response:
State: OK
Zip: 73034
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Discover on XX/XX/2021 drafted out of my checking account for a payment of {$100.00} this wasn't authorized by me. After with my bank paid the item but charged me {$35.00} overdrafted fee and now my account is negative. Talked to rep on XX/XX/2021 at Discover and after review stated it was their error and I should call the bank and explain. Also stating that Discover will send a check to me for the amount of {$100.00} for the error. Now not only was this not authorized but I made a payment of {$500.00} just prior to the XX/XX/XXXX. This is a great inconvience to me and can't use my bank account now because if I deposit money it will go towards the negative balance.
Company Response:
State: NY
Zip: 122XX
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-28
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 have made an online purchase from XXXX with my Discover credit card on XX/XX/2021 for {$200.00}. I have been checking up with the merchant website and the delivery was still in transition. On XX/XX/2021, I called and the merchant. The merchant does not have any additional info as the package was showing up as on route. On XX/XX/2021, I got an email stated the package was delivered on XX/XX/2021. I tried to work with merchant right away as I have never received the package but was told to file a dispute with my credit card company, Discover Card. - On XX/XX/2021, I have called XXXX to start the dispute process - I have created a letter with the break down and time line of this purchase and the attempts to resolve the issue with merchant but was unsuccessful. - I also uploaded the supporting documents to show I have not receive the package and that I wasn't notified of the delivery until 7 days after the package was supposedly be delivered - In the early XXXX, I called the Discover and spoke to the billing/dispute department to make sure they have receive all my documents and to check on the status. I was told that they have received the documents from me and is pending the merchant to respond to the dispute. The discover reviewed my documents with me over the phone and understand the sequence of events but advise me to wait until the merchant respond first. - On XX/XX/2021 I got an email from Discover reject my dispute - I called Discover card request for consideration as I do not believe Discover has conduct a fair and good faith investigation. I have stated that I have never received the package. However Discover based their investigation on the merchant 's delivery company who did not advise XXXX and the customer until 7 days after. And based on the delivery 's company 's tracking log, the package was never updated when the package was on route/out for delivery - However Discover refused to look into this matter more and to review my response to the merchant 's respond. - The Discover rep stated nothing they can do and transfer to me fraud department for further clarification - I spoke to Discover Fraud department who again refused to look into the case and stated that it was me who made the purchase so they are not going to investigate -On XX/XX/2021, I had to go back to the Merchant for dispute reconsideration and called Discover who again refused to provide me with any additional support and would not let me to speak to a supervisor at the time and will have a supervisor call back - On XX/XX/2021 and XX/XX/2021 I have again called Discover to check on the status of the supervisor call back as I I have not hear back from Discover XXXX and no voicemail left XXXX. I was placed on over XXXX minute hold before the call got dropped. - On XX/XX/2021, I have filed a complaint within Discover card with the above issue and also I was not able to be talking to the supervisor per my request. The customer service rep stated that she will file a complaint in Discover on my behalf. Still have no resolution at this time I am disappointed at Discover Card 's bad faith investigation and failed to provide the consumer with reasonable assistance and protection after the customer has provided all the documentation indicated the package was missing and was never received.
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2021-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX of XXXX XXXX mistakenly used my discover card on file. The discover card on file with them expired in XXXX so it makes no sense that they charged it or how they even did since it was expired. Since I paid my discover card off and haven't used it in years I never knew to check the account and even had my old checking account setup for auto-pay. I closed that checking account a couple years ago so when they charged the closed account it was rejected which caused more charges. I disputed the charges with discover and they agreed to refund the charges and fees associated with it but for some reason refuse to remove the delinquency on my credit score. I only learned of the delinquency when I tried to refinance my house and discovered my credit score took a dive. I have talked with many people at discover card but they keep blaming me for not opening mail and emails from a credit card company that I haven't used in years and had no reason to think I had any problems with. I don't understand how they can agree to give me back the money for the charges but then still refuse to remove the delinquency problems that arose from the charges.
Company Response:
State: ID
Zip: 83713
Submitted Via: Web
Date Sent: 2021-03-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Debt of {$1900.00} from discover from a credit card I did not open.
Company Response:
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2021-03-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-27
Issue: Other transaction problem
Subissue:
Consumer Complaint: We sold a home and were advised by the buyers attorney that the wire transfer was sent to our Discover Bank Account on XX/XX/XXXX at XXXX XXXX EST ( XXXX XXXX Mountain time were the wire department of DIscover/ customer service is located ). On Thursday, XX/XX/XXXX at XXXX XXXX EST we called Discover to verify receipt. We were told that the wire transfer department was closed ( it would have been XXXX XXXX MT. We called the next day, XX/XX/XXXX at XXXX XXXX as advised, they see the transfer and the deposit should appear in our account by XXXX EST. When we did not see the deposit, we immediately called and were assured it would show at XXXX XXXX. Each time, we were advised that the wire transfer was in process and we should see the money in our account soon. Our final phone call to Discover started at XXXX XXXX EST and continued until after XXXX XXXX as we spoke to one representative and her supervisor. During this conversation we were told that all the information provided to us all day was " inaccurate, and the Discover representatives misspoke, and should not have said the money was processed. If we were told this at XXXX XXXX, XXXX XXXX or XXXX XXXX, we would have immediately notified the attorney. It is now XXXX XXXX on Friday night, we were told the wire transfer was returned due to inaccurate information. When we reviewed all the information that we provided regarding the wire transfer / Discover information, it was correct, so we don't understand where the error was, nor could Discover provide this information to us. Because the money was returned, we notified our closing agent, who advised us to tell the new owners to vacate the premises as the funds did not go through. The new owner is an XXXX year old woman and her daughter. it is concerning that Discover will immediately notify us if we travel, alerting to " unusual activity '' for a {$20.00} purchase at a gas pump, but no one thought to call us about returning a check/ wire transfer for {$230000.00} because of a typo?
Company Response:
State: NJ
Zip: 08742
Submitted Via: Web
Date Sent: 2021-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A