Date Received: 2021-03-18
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Discover Home Loans took our application XX/XX/XXXX, said it would take 6-8 weeks, they strung us along, harassing us with multiple requests for the same info. After two months and getting to underwriting we were declined credit because of " XXXX XXXX Type '', XX/XX/2012. Whatever that means. Having reached out for an explanation and how we could fix whatever problem it is we have not heard back from anyone. They have not removed themselves from my home XXXX and on one call to them to try and understand the problem they said that the loan number printed on our decision letter was not a loan number of theirs and they could not help us. Very poor customer service and no ability to understand our denial nor get our wasted time or credit scores back.
Company Response:
State: AZ
Zip: 85008
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: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: " Hi this is a import message for _______ _________ this is not a solicitation call it important for you to please take a moment today and return my call toll free at XXXX. We are available from XXXX XXXX to XXXX pm eastern time Monday - Friday. I do look forward to speaking with you and I appreciate you're time and my name is XXXX, have a great day. '' This is a recording that was left on my office voicemail on XX/XX/2021 @ XXXX XXXX in the morning central time. I was told that creditors could not call you're employer unless they have a lawsuit pending with you. This came from DISCOVER CREDIT CARDS.
Company Response:
State: AR
Zip: 72120
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
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: THE CREDIT CARD COMPANY DICOVER CARD, IS CHARGING ME FOR AN AIR TICKET, THAT THE AIRLINE CANCELED, I HAVE SENT YOU PROOF THAT IT DOES NOT ACCEPT ANY VOUCHER, SEND YOU A NOTIFICATION FROM THE XXXX XXXXXXXX XXXX WHERE IT SAYS THAT A TICKET TICKET SAYS US, DIRECTLY WITH THE AIRLINE, I HAVE THE RIGHT TO A FULL REFUND AND THEY DO NOT WANT TO DO THAT ALSO THEY WANT TO REPORT ME LATE PAYMENTS FROM THE CARD BECAUSE I HAVE NOT MADE ANY PAYMENT CORRESPONDING TO THAT TICKET THAT WAS CANCELED
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX Have a sales rep from Discover til me to open Business Discover Card as it's better for business owners. I said I have great credit and confirmed it will not be reported on personal and is true Business Card reported on my ein. The rep said it would not. 2 weeks I see my credit has gone down from XXXX to XXXX XXXX Inform Discover Business its being reported on my personal and new rep states he is not aware of how that works and I let it go XX/XX/XXXX *Discover Business account has log in problems and balances do not seem accurate Call Discover Business to ask XXXX released deposit hold and no charges were made from them. Rep confirms no charges are on from XXXX XXXX Call to confirm no charges were placed from XXXX. XXXX says no charges were placed XX/XX/XXXX I finally able to log-in and see had transaction from XXXX for XXXX placed which was mistake as Insurance had paid them directly, Call Discover to start dispute XXXX Call Discover to confirm on dispute for XXXX double billing and and to open dispute for merchant that had gotten me sick from health code violations. -Discover rep is constant giving me misleading info and ask to speak with his XXXX. He continues to argue and tell him I am sick ask him please to pass me to his supervisor as it's difficultfor me to talk. He keeps me on hold for long periods of time and we get into argument. XXXX After getting no help and being misled, Call Discover Baxk to ask about my current balance for payoff and now getting different answers conflicting and ask to speak with supervisor for commutation of many direct matters from misleading sales reps, in accurate information, log in issues. I said this is illegal and as consumer and shareholder of 4 years demand a call back from executive office. XXXX Get letter with no warrant outside I was being rude that Discover is closing both my accounts. I speak with someone finally in executive office and the investigator has no facts or knowledge of what actually transpired. I let them know I been great customer of consumer card and was misled into signing up for Discover Business and the reps in Discover Business are very unknowledgable and often contradicting what another reps says. I signed up for Discover Business to help my business not only did effect credit as consumer but never get honest answer. I have had many credit cards including Discover Consumer and never been misled to this degree. Them closing both my accounts will only damage my credit and in statements made by rep feel this is retaliatory against my credit and grounds for defamation. If I did not have near perfect score and looking to buy house and feel this threat and illegal as credit card and bank.
Company Response:
State: NV
Zip: 89117
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Discover card is trying to make me pay for fraud charges that they refused to investigate. Now a year later they have added the fraud charges back on the account and demanding me to pay. I spoke with XXXX today with Discover Executive Office of Customer Advocacy who informed me that the person who had been investigating my case closed it. I have several complaints with the XXXX and I have also filed a complaint with consumer finance.gov. Discover had two departments making changes to my account the fraud dept and the billing dept. Because of them not investigating the fraud charges and both departments making errors now they want me to pay for fraud charges a year later and I refused to pay any more money. The total amount that I owed them was {$3900.00} when the fraud charges for the amount of {$1300.00} is deducted that left a balance of {$2500.00}. XX/XX/2020 through XX/XX/2020, I made total payments of {$900.00} leaving a balance of {$1600.00}. In XX/XX/2020 I made a final payment of {$1700.00} that's a total of {$2600.00} which I added interest. I had frozen my account in XX/XX/2020 Discover continued to post charges to my account, they also let fraud charges post to my account. After contacting them and asking them to stop all reoccurring charges they allowed them to come through also. Now they are telling me that my case is closed. Discover have refused to send me a detailed billing showing me what my charges are. I never received a report showing that they investigated the fraud charges. XXXX at Discover today XXXX XXXX refused to go over my billing questions. Everything that they have done is illegal and that needs to stop. Now they have sent a letter to the XXXX stating that I owe them {$800.00} for fraud charges that they refused to investigate. They need to show me on my statements how they come up with a different figure than what I have provided. Now they are sending negatives reports to the credit bureau stating that I owe them {$800.00}.
Company Response:
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: On XX/XX/2020 I purchased a {$500.00} XXXX XXXX card from XXXX located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX using my Discover credit card. Upon returning home, I tried to redeem the card and found out that the card had no balance and with closer inspection I could see that the card has been tampered with. I reached out to the XXXX store who did nothing, reached out to Discover who investigated it and XXXX provided receipts saying that the card was purchased and activated and closed the dispute. This occurred around XX/XX/2020 ). Because of the time that have lapsed ( and my ignorance of not knowing who else to reach out to I can not access the rejection of my dispute. ) I reached out to XXXX who's response is attached. After my final email with XXXX I heard nothing else.
Company Response:
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: My discover account was disabled because discover was doing an IRS check to verify my information so I couldn't access my account to pay my bills online. After two-three months they got their report back and I called to fix the login issue so I could pay the balance off my cards. I paid the balance off but because I was unable to access my account and pay the bill discover put my payment as late for like two months. I called them yesterday and they said that even though I was locked out I could have made the payment over the phone or letter. I have paperless banking and all my info is on the discover app. So by not letting me have access to the app, I couldn't pay. I made this case but they said it's my fault and not theirs that my payment was not made. I do not understand how but this doesn't make sense because they locked my account because they had their investigation. I could not see my balances and I had no access to my information yet they blame me for their mishandling of the situation. Now my credit score is drastically lowered and another credit lender closed one of my accounts because of this. Please help. I couldn't access my account to
Company Response:
State: NY
Zip: 11801
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )
Company Response:
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-16
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: A company verbally told me a lesser fee *much smaller than they charged ( XXXX vs XXXX ) and gave no receipt, operates under no real name and has had a lot of these complaints over the past two years. I made two purchases in their store ( same day and time ) and one XXXX blocked them from the overcharge, and carefully researched and allowed my dispute, the second Discover Card did not. One researched carefully ( XXXX ) one did not ( discover ) or I wouldn't have two different outcomes on same fraudulent activities. Discover told me they were provided a signed receipt, I argue this is a fraudulent receipt because I didn't sign one.
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-16
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: Discover has colluded with XXXX to defraud me of {$310.00} for an item that I returned for a full refund to XXXX on XX/XX/20. I submitted proof form XXXX that the item was signed for and delivered on XX/XX/20. I was never refunded by XXXX and Discover has continually failed to fairly and correctly rule in favor for my dispute. I submitted 10+ documents as proof that the item was returned and that XXXX never refunded me.
Company Response:
State: CA
Zip: 90501
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A