Date Received: 2023-11-03
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: Thursday XX/XX/XXXX, the company took the payment. After waiting for almost 2-3 months, I never received my service nor help from the institution therefore I thought paying upfront would change things. After trying to contact them, I haven't gotten any assistance. The whole thing felt like a scam so I decided it would be best to dispute the institution and apply somewhere else. Once I got the confirmation about the dispute going through, I then went ahead and applied to a different institution. This then effected my credit score from XXXX 's to XXXX 's. A month later, l all of a sudden now received a chargeback into my account. Ruining my credit score 2x than what it already did
Company Response:
State: TX
Zip: 78501
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Discover started off as a good credit card but the company started charging outrageous interest rates. More than what I had been charging on the card. I pay the payments faithfully but the interest is extremely high and I can never get the balance down. It's nearly double what it should be. So I find myself paying nearly 3x over to get the balance down. I've frozen my account to stop any unnecessary usage and the interest rate is still high. My limit was also cut and I have no history of late payments according to the customer agent I spoke with. Therefore I feel I've been discrimated against based on my financial demographics and location although I have no late payments with this company.
Company Response:
State: MI
Zip: 48141
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have a secured credit card. I made a payment to bring my credit back up on the card, this the payment I made would have been sent back to me and it wasnt even Discovers money. On XX/XX/XXXX, a day after I made this payment, I got an email stating that they werent able to take the funds so I spoke to support. They told me to wait for a week or so as it would transfer over soon. A few days later, on XX/XX/XXXX they closed my account. I wasnt notified of this by email, text or even in the Discover app. The Discover app was functioning as if the account was still there so I continued trying to fix it until XX/XX/XXXX when I just contacted support again. Thats when I found out that my account had been closed. I asked why they never notified me and they said that I should receive a letter about it within the next few weeks. I asked if I could take my money out of the account since it was my money to begin with and Discover just said that they dont even manage their own secured cards, another company does and they arent able to do that. Working with this company has been so insanely frustrating, at this point my credit score can take the hit from closing down an account I just dont want them to steal my money too.
Company Response:
State: CO
Zip: 80033
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
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 realized my discover credit card was being used by someone else after receiving a XXXX XXXX alert of a high balance in my account. I was surprised as I had logged into my account several times and nothing showed, my balance was {$0.00}. Never did I receive an alert from the bank about the constant used or used outside of my location. I contacted the bank to my surprise there were over XXXX in charges of most were not done by me. I explained to them that I had also checked my other banks and another credit card and debit card were used so I was dealing with multiple banks. There were tons of charges to which the discover representative disputes for me. This was back in XXXX. I started to receive letters from discover credit card requesting information to which I responded and sent police report. About a month or more into the investigation I received multiple letters stating my claims were approved to my favor and that a credit placed in my account would be permanent. My credit balance would constantly be changing, this was affecting my credit score a lot. I never have accurate information on my balance or transactions. Which made the entire process very confusing and I had to constantly check my account. I tried not using the card much because of this, because of the lack of accuracy on their part with the statement information. Last week I log in to check my balance and I see it went up to over {$4000.00} and I see all of the charges that I was told via letters from them were approved being put back into my account. So I called right away and they tell me that they were denied. I hadnt received any letters or them being denied, of the reason for the denial so after being transferred 6 times I speak to a rep who explains to me that because of 4 reason,4 transactions ALL of my claims were denied. She explained 4 of the many transactions the merchant replied so because of those 4 reasons ALL of my claims were denied.one of the reasons was that I logged in to my account the same day one of the transactions were done, I told her thats exactly the issue!! No transactions were reflecting on my account and I have proof because I took a screenshot showing my account at XXXX XXXX day I received the alert. I explained to her that when I called the representative submitted the claims I barely spoke and if there were any claims made in error they were not on my part and that fraud was even done in another county. I asked for a letter with the reasons for the denied claims they denied that, I also asked for proof of the 4 so transactions that were proven mine they said all they could do is send me the transaction information. I received one letter with one transaction. This bank isnt protecting my funds and hurting my credit a lot with their mixed information. All the other banks I had fraud in received the same information from me and everything was resolved within a month. Discover credit card sends me letters to not worry that all was approved in my favor and with no warning or letter put all the fraudulent charges back to my account. I need the charges that they could not proof were mine taken off.
Company Response:
State: FL
Zip: 33032
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I made a request to Discover to increase my credit limit and also applied for a balance transfer card. In response, on XXXX XXXX, I received the following email from Discover ( their email is contained within the quotation marks below ) : " XXXX, Discover Financial Services requires your consent to obtain income information from the Internal Revenue Service ( IRS ) to verify information on your account. Within 5 days, please click the 'Review and sign ' link above to provide consent via IRS Form 4506-C. Until this verification is complete, a temporary hold has been placed on your Discover Card account. If you do not provide the requested consent by the indicated response date, your account will be closed. This verification process will consider your tax information from the last two years. If you have not filed taxes during this timeframe, please provide consent as described and then contact Discover immediately to discuss additional required steps. We appreciate your prompt attention and cooperation. Sincerely, Discover Financial Services '' I have a new career where my pay has increased substantially, as such, I have also relocated from Texas to Colorado. This is not going to be reflected on my taxes for the previous year, as this change occurred only 2 months ago.
Company Response:
State: CO
Zip: 80504
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Discover credit card has been doing many legal activities in last 4 months. They don't explain anything about my account or information on any accounts on they opened under fraud team or investigation for whole situation. They had me wrote off as a dead individual recently and can't even call about that either. Discover credit card owes XXXX on unauthorized payments still, got a personal letter from XXXX XXXX Bank about it. Stop with games, lies, stories Discover credit card. Discover credit card has many issues with other customers at my bank
Company Response:
State: SD
Zip: 575XX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: we moved cross country and my online login uses my old phone number [ landline ] for two part verification so I was unable to access my A/C I called multiple times and identified myself with DOB/Mother 's maiden name etc etc. They wouldn't accept this to change the phone number for two part verification. They insisted I supply a notarized statement. I took their form to a local [ OR ] notary and sent it off to Discover No response after 3 weeks so I called in again only to be told no one has looked at my notarized statement.Called back several times and got the same response. Insisted that all I want is to close my A/C and be done with Discover Finally, got the respnse that my notarized statement is incomplete. Was told a supervisor would call me and no call was received. The " incomplete '' issue may be the result of OR notary law requiring notaries to use their own form and NOT the form provided by Discover. All the same info is included. Hilariously they have changed my mailing address based on my Postal change of address but will not acknowledge they have identified me. I just want to close mt A/c and never have anything to do with Discover again
Company Response:
State: OR
Zip: 97702
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/2023 I utilized a promotional check from Discover, which I had done before, to transfer a balance of about {$2400.00} from XXXX XXXX over to them for 1 year at a 0 % interest rate. I have never paid any interest on a credit card nor have I ever had the need for a cash advance. I have worked for three banks myself and am very familiar with the industry and how everything works. I set up my auto pay immediately for {$200.00} a month with Discover and do not need to check my account monthly as I have the autopay and I do not use the card for purchases. I was about to transfer a small balance for dental work over to Discover when I noticed the balance was still quite high. I looked at a statement and noticed {$55.00} of interest had been charged so I immediately called to find out what had happened. What they proceeded to tell me is so outrageous and fraudulent, I am still in shock. I expected to hear that maybe I had confused the length of the promotion, which is not likely with how diligent I am with my finances, but they went on to tell me that I had been charged interest for a CASH ADVANCE. I asked them how that was even possible when I had used their own Discover card check with the balance transfer rate posted on it to pay off the balance with XXXX XXXX and transfer over to them. She said she understood perfectly that I had used the correct check, it was for a balance transfer for a year for 0 % but ... .here 's where the insanity begins .... '' XXXX XXXX cashed it as a cash advance, so it was posted and charged as a cash advance by Discover because of XXXX XXXX. '' This makes ZERO sense in every capacity imaginable. They acknowledged the check was for a balance transfer, but it was XXXX XXXX 's " fault '' for cashing it as a cash advance. This is not how a cash advance works at all. Discover told me they would not refund the interest they had fraudulently been charging me this whole time, and that I was out of luck. I asked them how in the world this was a cash advance, and she would not answer me, just kept casting blame on XXXX XXXX. I asked them to explain to me what a cash advance was and how this qualified as one when this was an existing BALANCE, not new money being issued to me by anyone. i never agreed to this, this was not the offer or what the check was for. They would not answer my questions. Yes, I got irate because they were refusing to answer my questions or take responsibility for THEIR mistake. I asked how in the world they could charge me for a cash advance when no new money was issued to me or without my knowledge or consent, and again they blamed XXXX XXXX. First of all, XXXX XXXX simply accepted payment and transferred the balance over to Discover. They had NO IDEA what the heck Discover was even trying to say by claiming they " cashed it '' as a cash advance when they simply accepted payment by check. There would be no penalty nor any kind of labeling of a cash advance on a payment! They were RECEIVING payment, not issuing money and they also pointed out that Discover collecting interest on money they did not issue was fraudulent. How could they claim it was a cash advance when they NEVER issued me any money, they simply accepted a balance transfer, knew and admit it was a balance transfer, but refuse to honor it. I called my other two banks and they said what they did is completely fraudulent and they owe me my interest back. I have lost {$410.00} and have no intention of paying off that part of the balance when i close the account tomorrow. I will provide anything if requested but am having a hard time getting anything from Discover to defend why they fraudulently charged me as a cash advance.
Company Response:
State: FL
Zip: 32168
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Repeated calls, during all hours. Up to 4 times a day.
Company Response:
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In accordance with the Fair Credit Report Act account DISCOVER BANK Account XXXX XXXXXXXX Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency Can not furnish an account without my written instruction. also, I have requested multiple times for this company to provide me with a signed copy of the contract to show proof of ownership and never have received it.
Company Response:
State: FL
Zip: 33126
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A