Date Received: 2021-03-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Discover Card- From XXXX XXXX XX/XX/XXXX i was on tour i have documents need to prove i was on tour at the time. I was charged a XXXX dollar delinquent charge without knowing while i was working. it increased and now i'm in a bind because i didn't have internet on my base
Company Response:
State: LA
Zip: 70403
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XX/XX/XXXX Discover Financial was paid balance in full. Afterwards, small balance reflected and gained interest and late fees. All information of balance, statements, and phone calls went to wrong address. In XX/XX/XXXX discovered credit score has decreased consequently. Paid Balance to settle account but should not report late from XXXX on and impact my score as I have had no awareness of such a balance. I have attempted to dispute with credit bureaus four times.
Company Response:
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Greetings from Oppressed person I am a man aged XXXX, and I have been employee for over 10 years, I have a Great track record in my life in America. I served the US Government in XXXX USAID ; I serve the US army in Kentucky Excellent security clearance, I pass any background investigation, no felon, no fraud, no driver license suspend, I am fill my tax every year. When I am park my car in any spot I do not like to hit the yellow line of car port, because I do like to broke the LAW. I am Married and father for XXXX years old girl she is in XXXX. I am the only income in my home because my wife she can not work has Health problem In XXXX XXXX my life was under risky health problem, my XXXX exploded, the XXXX going to my XXXX I set with XXXX for over three months, I loss over 20 pounds each week, The XXXX XXXX XXXX direct to my XXXX with XXXX, you can ask XXXX XXXX XXXX in XXXX XXXX I have to thank the doctor he did the XXXX for me. I am used all my credit card because I am without job for around 2 years, i cant let my family without food. I am with multi credit company XXXX XXXX XXXX XXXX XXXX, XXXX and Discover before XXXX everything on time excellent history, I do not have any fraud or bad sign. After XXXX for hard and tough situation I use all of this credit card, the total for them {$23.00}, Sorry for that but I do not have other choice, my income before with good scenario cover my family and home bill so I do not have any saving, when I did the XXXX, I use this money to feed my family, You can check all my bought history in these credits only I spent on FOOD, GAS, and BILL and I use around {$4000.00} for special class for my Daughter has XXXX XXXX before but thanks for XXXX she is doing very well, thanks for XXXX again. I am not buying car or home or anything. you can come to my home to see how I live, for 10 years ago I do not get any vacation I need to buy TV I can not because I do not have money ; I need to fix my car I do not have money. After XXXX the World enemy Covid-19 ) fight us and all the countries, America one of those Country, everything stop, no income, I have to help my wife and set with my daughter virtual learning. I understand the US Constitution or government system follow or work under capitalism system, This mean the corporates control the economy of the US, but under any mean they will not Owen the people if we back to the first two words of constitution WE THE PEOPLE. Discover bank sue me for {$3500.00} the main money, yes I agree, I am not say I will not pay, I am not destroyed the life for discover bank, but discover bank destroyed not only my life and my family life, whats the value or price for the life. This is the first time I feel, I see, and I Understand whats mean Financial Slavery, Racism, and discrimination why i say that, because discover attorney denied all of this offers : 1- settlement for {$300.00} - discover attorney denied 2- settlement for {$600.00} - discover attorney denied 3- settlement for $ XXXX $ XXXX monthly - discover attorney denied 4- settlement for my car title - discover attorney denied 5- settlement for {$800.00} - discover attorney denied 6- settlement for $ XXXX $ XXXX monthly this in court at meeting room - discover attorney denied. plus why from the first he sue me, i am not say i will not pay, how i will pay if they broke my credit history and sue me to the court, i am with multi credits company as XXXX XXXX XXXX XXXXXXXX XXXX, and XXXXXXXX XXXX, no of them sue me. i do not know what's the necessary think to do hearing court in XXXX and in covid 19, i am not a torririsom or bad person or make any threat for our country, i use the {$3500.00} credit yes i am not say no, i was called XXXX credit company they told me why he denied all this offer, it not make sense. finally, i am sorry to say that, Discover attorney he try to take the money by " GARNISHMENT / INCOME TAX REFUND AND BANK ACCOUNT '' i did my payment by court deal {$10.00} monthly on time you will see the attachment, he like to continue with discriminations, racisms, and exploit the critical time for the people in corona virus. for long years i face the discrimination in work, in my living area, but i was not speak, but when the discover attorney try to take my family money, i have to speak, the tax refund not only for me its for my wife and daughters. Dear Federal Bureau team sorry for my English language sorry for un professional words but really i cant not breathing with my family, for around a year we not get sleep, discover attorney destroyed not only my life even my family, and i will not accept that. I am sure you have children or grands, and I am sure you will feel how I am feel my request : Please Sir / Mam : I need your help to stop the process for Garnishment request from discover bank, the {$10.00} dollar monthly payment a lot for me but still I will continue do the payment let me live with my family secure and safe, pickup this from my credit report so i can get good job, so i can pay the all amount ( PLEASE PROTECT THE US FROM AVARICE, UNJUSTICE PEOPLE, and Inhuman I believe and trust your justice, and your conscience, XXXX BLESS YOU ALL TO AMERICA AND oppressed people about this question : What would be a fair resolution to this issue? I do like to contact them, because i did it before and they did nothing because, what i say before, the financial slavery and discriminations. Thanks in advanced for your patience, understanding, and help Sincerely, XXXX XXXX
Company Response:
State: MI
Zip: 48187
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: all credit agencies reporting fraud, under age during time account opening and outdated accounts not my mines and never done business with companies : " DISCOVER FINANCIAL SERVICES, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX '' ... .REMOVE ALL FROM FILE ASAP
Company Response:
State: CA
Zip: 91730
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My husband passed away in XXXX of XXXX. He was the sole card owner of a Discover Credit Card account on which he owed {$14.00}, XXXX. I was an authorized user of the card. It was NOT a joint account. Upon his passing, I notified Discover, so that they could close his account. It was then that they claimed I was a joint account holder and that I was responsible for paying off his debt. I spoke with Discover on the phone a number of times in XXXX, informing them that I was only an authorized user of this card, and had never been a cardholder. Discover claimed that I had been added as a joint cardholder to my husbands credit card back in XXXX. Knowing that this was incorrect, I asked them to produce any proof or signed contract to substantiate their claim. To this request they replied that I had given verbal permission to be added as an account holder via a phone conversation back in XXXX. This is completely false. They said they could provide no physical proof of this event. To this day, they have never supplied any evidence to substantiate their false claim. I was only an authorized user of the card. It was NEVER a joint account, and I never took any actions to be added to this account as a card owner. Therefore I am not responsible for payment of this account. However, my credit has been decimated by years of my husbands Discover debt being falsely attributed to me as a Charge Off after his passing. Discover harassed me by phone and mail for months, threatening that I was responsible for this debt, and that if it was not paid it would be sent to collections. I refused. The account has never been sent to collections. As this was never my account, and they have NO signed contract to support their false claims, they are likely unable to sell this debt to a collections agency. After our request to see evidence of a signed contract, Discovers constant harassment came to an abrupt end. Unfortunately, this debt continues to reflect negatively on my credit report. My family and I have reached out to Discover representatives multiple times, by phone and mail, requesting that they absolve me of the wrongful debt attributed to me. In XXXX of XXXX, I submitted credit disputes with all three major credit bureaus in an attempt to correct years of false late-payment and charge-off claims associated with this account. These credit disputes yielded no results. Immediately after the resolution of these disputes, I received a 1099-C form from Discover ( dated XX/XX/XXXX ), effectively discharging the debt of {$14000.00}. However, my credit score has been completely and unjustly decimated by this debt. Additionally, the IRS is now charging me a tax of {$3000.00} for the cancellation of a debt that was never mine to begin with. This situation has resulted in a debilitating financial burden and has taken a tremendous emotional toll on my family and me. I have always paid my bills promptly and have no other outstanding debts. Discovers false claim has unjustly tarnished my reputation, questioned my integrity, and hindered my ability to utilize a credit score that accurately reflects my payment history.
Company Response:
State: NY
Zip: 10009
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Failed to verify debt. The account is not accurate on my credit report. information is different on XXXX & XXXX. its hurting my credit score and its not accurate. information is breaking the Fair reporting Credit Act
Company Response:
State: FL
Zip: 33028
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Failed to verify debt. The account is not accurate on my credit report. information is different on XXXX XXXX XXXX. its hurting my credit score and its not accurate. information is breaking the Fair reporting Credit Act
Company Response:
State: FL
Zip: 33028
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
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: I have been a customer of Discover for 4 years, this was my very first credit card and this situation right here has proven to be the end of that relationship. Thanks to Discover, I am out of XXXX of my hard earned money with no recourse in sight. The merchant I purchased furniture + assembly from shipped and had the furniture delivered but never actually performed the assembly I paid for. They continued to push back the appointment date ( which turned into dates ) until I eventually decided to purchase from elsewhere. I attempted multiple times to contact the merchant but I'd be on hold for so long the call would disconnect and they did not respond to numerous emails. Due to the amount of the charge, I decided to file a dispute on my Discover card hoping Discover could try and remedy the situation. Even though I provided documentation showing the numerous cancelled appointments, all the merchant did was submit my order confirmation and Discover found in their favor multiple times over the period of a few months due to supposedly finding the charge to be " valid '' which was never what I was disputing. I've been lied to by Discover 's customer service agents and have had my chain jerked around until I reached out to their supposed " executive office '' which is nothing but another call center full of even more useless agents. I've been promised call backs, that more research would be done on my situation, but nothing has been done. Discover hasn't even tried to get me a partial refund for the services that were never performed or tried negotiating an actual return/refund from the merchant who refuses to respond to me but will respond to disputes filed.
Company Response:
State: WA
Zip: 98106
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have tried several times to remove inaccurate and unverifiable off of my report. This is hindering me and family from a financial goals and purchasing a home in the near future.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2021, XXXX XXXX initiated a ACH pull out of my Discover Bank XXXX account into my XXXX XXXX account in the amount of {$10.00}. However, XXXX XXXX realized that my XXXX XXXX account has been closed, so they returned the {$10.00} back to Discover Bank ( see XXXX XXXX response to the CFPB attached ). Now that it is XX/XX/2021, the returned {$10.00} still did not show up in my Discover account.
Company Response:
State: CA
Zip: 95051
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A