Date Received: 2021-03-09
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: XX/XX/2020, my COVID-related benefits unexpectedly halted and paused my primary source of income. Discover contacted me within the same month and I conveyed clearly my financial situation, however still coerced {$180.00} to be debited from my bank before the end of that month. Again, I was very clear about the uncertainty of income and could not confirm having that amount available by then. The scheduled payment was inevitably denied. Since then, the company has called up to 6 times a day ( excluding Sundays ) and has relentlessly filled my personal voicemail box ; rendering it as unusable during the length of our national emergency.
Company Response:
State: IL
Zip: 60640
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Discover sent letter saying someone tried to open fraud account and refused to give me information. I closed account. Discover refuses to send refunds after account closed and bank statement requested several times.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX DISCOVER FINANCIAL SERVI XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX : Account number XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. I was going over my credit report and I wanted to get an account validation. Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. I am exercising my right to request validation on any debt that is alleged to me. In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Company Response:
State: AR
Zip: 72758
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Got letter from discove bank about opening account I did not XXXX. XX/XX/2021 2021
Company Response:
State: TX
Zip: 780XX
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have had my Discover card since XXXX and I have never been late ; I got this card for the sole purpose to rebuild my credit. I want you to know that I understand my financial obligations, and if it weren't for COVID-19 I'd still have an excellent payment history. I am applying for a mortgage loan and it's come to my attention that the missed payment on my credit report is hurting my ability to qualify. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a good will adjustment to remove the late payment on XX/XX/XXXX. Even if your company doesn't believe in good will adjustment according to Coronavirus Aid, Relief, and Economic Security ( Cares ) Act the late payment can be removed from my credit report especially since you have already refunded the late fee. My account is current and has been every since XX/XX/XXXX. Thank you for your consideration, and I hope you'll approve my request.
Company Response:
State: MS
Zip: 38654
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: DISCOVER FINANCIAL SER, XX/XX/2019 add a hard inquiry on my credit reports. But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response:
State: NC
Zip: 27591
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: We had a home equity loan with Discover Home Equity Loans. We sold the house and had a closing set for XX/XX/XXXX. The closing attorney pushed the closing to XX/XX/XXXX and the final payoff was submitted by the closing attorney. We completed closing and thought all was well. I received a call on XX/XX/XXXX from Discover Home Equity saying that we were late on payment and that they had not received a monthly payment since XXXX. After 3 hours on the phone with them and being switched around to many people, we learned that they received our final payoff from the closing attorney on XX/XX/XXXX. They said it had a {$120.00} shortage. They stated that a letter was sent to us on XX/XX/XXXX and that the letter was NOT sent certified. As of XX/XX/XXXX, we have not received this letter. They also stated that they called every day. We had no knowledge of their calls or received any messages from them until the call received on XX/XX/XXXX. They returned the entire payoff amount back to the closing attorney on XX/XX/XXXX which the closing attorney received on XX/XX/XXXX. Throughout all of this they started to hit our credit reports with late payments for our loan. The closing attorney re-sent the final payment with an updated amount and Discover received that payment on XX/XX/XXXX. As of XX/XX/XXXX the loan has been paid in full. However, there was no communication that any of this was happening, we never knew that there was a shortage on the original payoff, we have no idea why they sent the entire wire back which took multiple days, the closing attorney had no knowledge anything was amiss until they randomly received the money back on XX/XX/XXXX from the XX/XX/XXXX closing date. We are trying to get a mortgage and are not able to because of the late payments Discover Home Equity listed on our credit report from the closing situation. We have explained the situation and have even asked them to do a goodwill removal of the late payments. We had excellent payment history until the closing of the house. This is hurting us tremendously and we do not know how to correct something that was completely out of our hands. Discover has sent us a check for an overpayment on XX/XX/XXXX that was more than the original shortage that started all of this. We have not received any communication from Discover that the loan has been paid in full. I was only made aware of that by looking at my account online. Our credit reports are still showing the loan as open and with the payoff balance being owed. Also, I am not able to see any of the activity that took place in XXXX with the payoff being sent, a shortage and the full payoff sent back on my account online. Ive attached what I am able to see in my online account and have attached documents from our closing showing that closing was on XX/XX/2021.
Company Response:
State: SC
Zip: 29707
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I applied for a secured Discover Credit card and was approved. On XX/XX/20, {$300.00} was taken out of my credit union as a security deposit for this new card. Before I received the card, Discover canceled the card and kept my {$300.00}. I have written several times to Discover and have never received any response nor return of my {$300.00} security deposit.
Company Response:
State: WA
Zip: 98801
Submitted Via: Web
Date Sent: 2021-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-07
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 I ordered two XXXX watches from XXXX 's online store - at the time of purchase, when I created a new account, I received an email stating that a 25 % discount coupon was added to my wallet. However, I tried multiple times and the online store wouldn't allow me to retrieve the coupon and so I put the order thru ( using XXXX as the payment gateway on my XXXX Credit Card ) and immediately contacted one of their online agents who advised that due to a system glitch, the coupon was not applied, but he manually adjusted the order value and confirmed that the coupon was applied and I would receive a confirmation email within 24hrs confirming the adjustment. That never happened, so I ended up speaking with multiple XXXX 's agents over a period of 10 days who all confirmed that the 25 % discount has been applied on their end and that I would have to wait till the items were shipped out ( XXXX 's event triggered a revised invoice at the time of dispatch which had the 25 % adjustment ) and then someone from their team ( by the name of XXXX ) would be in touch to manually issue the 25 % refund to my credit card. That never happened, so I reached out to XXXX 's phone agents for assistance but they were unable to retrieve any of the online chats, so refused to assist. I then reached out to XXXX and lodged a dispute with them - at the time of dispute, XXXX issued a provisional credit of {$490.00} on XX/XX/XXXX with the condition being that the credit would be reversed if the case was not decided in my favor. This provisional credit reflected in my credit card statement. However, they didn't investigate the dispute thoroughly and declined my dispute stating the transaction was authorized ( when the dispute lodged with XXXX was under the category of " incorrect '' amount charged by the merchant ). I appealed the decision twice with them, but they yet declined. On XX/XX/XXXX, XXXX sent an email stating that the provisional credit that was applied was now going to be reversed in the form of a negative balance on my XXXX which I then would have to pay thru my bank account by adding money to my XXXX account. Here 's XXXX 's notice of debit : XXXX Notice of Debit We previously issued you a provisional credit as of XX/XX/XXXX for yourtransaction ( s ). We now need to debit the full amount of the transaction ( s ) in the amount of {$490.00} USD from your XXXX account. This debit will occur on XX/XX/XXXX. We will email you, to let you know when this debit is complete. You May Need to Add Money to Your Account If there's not enough money in your XXXX account to cover the full amount of the transaction ( s ), please add money to your XXXX balance. If there's not enough money in your XXXX account to cover this debit, it may result in a negative balance and possible limitations to your XXXX account. To add money, simply log in to your XXXX account and click Add Money on your Account Overview page. ============================== So I then lodged a dispute with Discover Credit Card team and asked them to investigate and provided them all the possible documents. They applied a provisional credit in a week 's time and on XX/XX/XXXX, I received the below email : ========================= We're writing to inform you that XXXX XXXX XXXX issued a credit for the disputed transaction that we also previously credited. This means your account has been credited twice for the same transaction. To correct this, we have reversed our previous credit, which you will see on your next billing statement. ========================= I immediately reached out to their disputes team on XX/XX/XXXX via chat and XX/XX/XXXX via phone, and explained to them as to why they were seeing a credit from XXXX on the statement and also walked them thru the XXXX 's notice of debit policy and advised them that XXXX had reversed the provisional credit in the form of a debit on my XXXX account, which I had to pay thru my Discover checkings account. I even asked them to validate this thru my Discover checkings account as well, but the phone agent repeatedly kept insisting that coz they were only seeing a credit on my statement, they were treating this as a permanent credit and therefore the case was not decided in my favor - irrespective of how XXXX goes about with their policy of reversal of provisional credit.
Company Response:
State: IL
Zip: 60564
Submitted Via: Web
Date Sent: 2021-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-07
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Around XX/XX/XXXX I requested the closure and distribution of IRA CD Account Number XXXX.The amount distributed was {$12.00} less than the balance of the account on XX/XX/XXXX. I was not notified about the reduction and reason. The deduction was for excess payment of interest in XXXX & XXXX. Upon research I learned due to system problems the interest posted every month in XXXX and XXXX was incorrect, therefore the yearly detailed statements I received for XXXX & XXXX are incorrect. I am entitled to correct accurate statements for XXXX & XXXX and requesting a detailed statement for both years showing the interest each month. The statements I received for both years are not valid.
Company Response:
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2021-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A