Date Received: 2021-03-20
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Tried to get a lower rate and payment today on Discover card. XX/XX/2021
Company Response:
State: PA
Zip: 15235
Submitted Via: Web
Date Sent: 2021-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Discover reported a business account late on my personal credit. I was not aware that any amount of money was owed on this Business credit card. My office has been closed since XX/XX/2020 due to the pandemic! I take pride in my credit and have NEVER paid any account late. This particular card is not used often and once the last payment was mailed XX/XX/2020 i thought the card had a {$0.00} balance. I just received notification from Discover to say check my account because a notice was sent regarding them closing my account for none payment. That same day i paid the account in full and asked to speak with a manager regarding the 30 day late payment.
Company Response:
State: CA
Zip: 94534
Submitted Via: Web
Date Sent: 2021-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Discover reported a business account late on my personal credit. I was not aware that any amount of money was owed on this Business credit card. My office has been closed since XX/XX/2020 due to the pandemic! I take pride in my credit and have NEVER paid any account late. This particular card is not used often and once the last payment was mailed XX/XX/2020 i thought the card had a {$0.00} balance. I just received notification from Discover to say check my account because a notice was sent regarding them closing my account for none payment. That same day i paid the account in full and asked to speak with a manager regarding the 30 day late payment.
Company Response:
State: CA
Zip: 94534
Submitted Via: Web
Date Sent: 2021-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
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: XX/XX/2012 I was locked out of XXXX to complete a transaction. After trying to contact XXXX for over 2 hrs. I finally reached someone believed to be an XXXX associate who told me my problem was verifying my credit card. I was then told to go to XXXX and purchase 2 gift cards valued @ {$200.00} each which they showed on my cell phone was transferred into my account. Then told they didn't take after giving them the number of cards and that I needed to go to a different store to purchase others. I continuing asked them about this unusual system XXXX was using to test my card however they convinced me that it would be fine and I would be able to get into the computer soon. Now it ended up being three XXXX cards for {$500.00} ea. same thing showing on my phone the exact amount was transferred into the charge card which had the exact last numbers that I use. Finally when they insisted one more card was needed this went onto Discover for {$500.00} I was worn out arguing with them. The previous transaction was on my XXXX card. Now I contacted the credit cards minutes after I got home and noticed my computer was now unlocked. Both XXXX and Discover were notified ; This people were man and wife and the call was from XXXX XXXX CA. and represented XXXX which to me is fraudulent however because they instructed me to purchase the cards both XXXX and Discover this to be a scam of which even though it was on a credit card will not remove the cost, I am a senior and live on social security and try to supplement by selling little items on line. I always pay any credit off monthly so as not to incur interest, however, this is impossible for me to do at this time, I went into XXXX and explained my situation to no avail and I even asked if they would keep the interest off if I paid it off monthly, answer was no. How cruel can they be as I have been banking with them for at least 4 yrs. and NEVER missed a complete payment. Discover will take the interest off for the first month only however, between the both I'm at a dead end. I gave XXXX complete information. I contacted all of the above within minutes after realizing I had been scammed. You are my final resort for help. No one can realize what a burden this has put on a senior who just wanted to supplement her income. I did nothing but believe crooks who found and knew everything about my address, banking, etc. Everything had to be deleted and new cards issued, Horrible lesson to learn in times like these when prices of everything is on the rise. PLEASE HELP ME!!!
Company Response:
State: TN
Zip: 37801
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: A representative from Discover called me at work, I work in a hospital and can not get personal calls at work. I had already told Discover that I can not be called at work. The representative spoke to one of my co workers, said that he was from Discover and that it was about my account. The representatives name was XXXX
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
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: In XXXX I was provided a copy of my credit reports which all 3 reflected a {$13.00} past due balance on a closed Discover Card account. This incorrect tradeline was having a significant negative impact on my credit scores and ability to purchase a new Florida residence. I immediately contacted Discover and they immediately credited my account the {$13.00} as I had paid and closed the account several months prior. However, Discover had refused to remove the late marker caused by the {$13.00} debit that was their error. A Discover credit representative suggested I dispute the issue with the credit bureaus which I have done. However, in the meantime Discover continues to allow this incorrect negative information to be be reflected on my credit reports and is impacting my ability to purchase my new Florida residence.
Company Response:
State: NY
Zip: 14226
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
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 haven't received any investigation results.
Company Response:
State: OH
Zip: 43614
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
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 credit score dropped 100 points from XXXX in XXXX of XXXX to XXXX in XXXX of XXXX. It hasn't improved. The cause of this remarkable hit to my historically impeccable credit is deeply disconcerting as it concerns a {$20.00} payment, Discover Financial Services ' inability to contact me in writing ( they said they didn't have to ), and failure to get any relief in providing a statement to each of the major credit bureaus : XXXX, XXXX and XXXX. It's been over 4 years and my credit score has not improved at all due to this one matter in which Discover is culpable. Years ago I elected to receive Discover statements by email. For years, my statements arrived in that manner. In months where there was no activity ( most months ) I received no statement. I did not regularly use this card and had set up the paperless statements to alert me to when/if I needed to make a payment. Discover 's policy during that time was to only send a statement when a payment was due. From my perspective, the fact that I was not receiving statements was not unexpected. I apparently used my Discover card in XXXX of XXXX for a one-time XXXX order for {$19.00}. Theres no reason I would have held off paying the statement had I known about it. For reasons Discover is unable to explain, I stopped receiving emailed statements in XX/XX/XXXX. I therefore did not receive a statement about the {$19.00} charge, which was not a memorable event since my XXXX account is connected to another card I prefer to use. Discover proceeded to report a delinquency to the credit agencies in XXXX, XXXX, XXXX and XX/XX/XXXX relating to the {$20.00} XXXX $ XXXX interest ) payment that I missed because I was not seeing electronic statements. On XX/XX/XXXX I spoke to a representative at Discover and was told that they had stopped sending paperless statements to me in XX/XX/XXXX ( although I stopped receiving them in XX/XX/XXXX ). Why? Because he said they have the right to stop sending paperless statements when an account is in arrears. Their rationale is they switch to that in case an email is invalid, but they also say if the email is invalid they would know that, and so it doesnt make any sense that if the email is still valid that they just unilaterally stop sending the electronic statements entirely. It just made the situation worse. They did not send any kind of notice in writing, either. My credit had been above XXXX for years. Because of they stopped sending notifications, I missed the fact that I owed them a balance and it reduced my score from Excellent to merely Good. I contacted all three credit bureaus to indicate that I dispute the reporting by Discover and I also called Discover again in XX/XX/XXXX to initiate a formal dispute over how they handled the billing. They refused to take any responsibility and did not make any effort to address their part in failing to notify me. It's now XXXX of XXXX - almost five years - and my FICO score has not improved. Please help. This kind of reporting is not right. I'm XXXX XXXX XXXX. I had Excellent credit my entire adult life until I made the mistake of getting a Discover card.
Company Response:
State: CT
Zip: 06820
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I missed a payment with Discover Card due to having COVID-19. The charge was for a promotional service who automatically charge my card for {$10.00}. When I became aware this account was past due I made a payment right away on XX/XX/XXXX. I called Discover and explained I had COVID and was not aware of this charge. They removed the late fee and said they would update my account. Instead of updating my account they reported me late to the credit bureau and now my credit was reduced by over 50pts. I disputed the late payment through XXXX and Discover reported I was late and it should remain on my account. I called Discover on XX/XX/XXXX asking if they could remove this from account due to me having COVID along with me being a loyal customer for over 20 years. They told me no because it was not their error. I explained again the payment was missed due to me having COVID and not being able to check my mail they refused to remove it.
Company Response:
State: TX
Zip: 77545
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I applied for a loan with discover Financial and decided not to accept their terms! They continue to pull my credit report I think it's been 10 times in the last 6 weeks! I've called and asked them to stop to no avail
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A