Date Received: 2021-03-01
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 initiated a billing dispute over a charge I do not recognize. It would be refunded, then placed again on my account, then refunded, then placed again on my card. This occurred 6 times from XX/XX/2020 to XXXX XXXX in XX/XX/2020, I wrote a letter to the credit card company and the company that says they are due money. I have had no response. I don't recognize the charge, I was not provided with any information on what this charge is for. I truly do not understand how a company can allow a refund, then a charge - 6 times. I will be happy to leave Discover company, as they have not been in contact with me nor have they have been helpful. I have left this card open until I have this resolved with the CFPB.
Company Response:
State: OR
Zip: 97007
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received a email about a home loan I supposedly applied for I did not apply to any loans I am not looking to buy any homes and the inquiry is on both of my reports this is a error and I pray and home nobody has my info and is trying to purchase a home
Company Response:
State: CA
Zip: 94565
Submitted Via: Web
Date Sent: 2021-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-27
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: I missed a payment because somehow my automatic payment was turned off. The problem I had with the whole process was that Discover card never sent me any kind of special email to alert me of the situation. I think they should be required to send an email that has missed payment - " ALERT - MISSED PAYMENT " or " LATE PAYMENT '' information right in the heading of the email. They did send me my generic email that they send every month that says my payment information can be obtained by logging in to my account. I thought my account was still on auto pay and when I got the regular email from them the payment information can be obtained by logging in I assumed everything was fine- had some some sort of alert I would have taken care of it right when I found out the payment was late
Company Response:
State: WI
Zip: 547XX
Submitted Via: Web
Date Sent: 2021-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-27
Issue: Other transaction problem
Subissue:
Consumer Complaint: Dear CFPB : I used my Discover card to make a payment to a property manager to cover the rent for a friend who was subletting an apartment. One XX/XX/2020, I paid {$2000.00} to XXXX XXXX XXXX using the logon information given to my friend by the current leasee of the apartment. I did not share my credit card information with anyone else except directly with XXXX web site as required to make the payment. I never gave XXXX permission to keep my credit card information in their system. I indicated that I was making just one payment for {$2000.00} and only that payment. Apparently XXXX kept my card information and someone used my card to make two additional charges of {$5000.00} on XXXX and another {$5900.00} on XX/XX/XXXX. I discovered this on XX/XX/XXXX and called XXXX to alert them of. these two {$5000.00} charges that i never authorized. They attempted to reverse the transactions but said that they could not. They assured me that if I call Discover that they should be able to reverse the charges. XXXX also removed all of my credit card information from their system immediately. I did not intend nor was I aware that my card information had been saved in their system. Apparently, the current lessee admitted he logged on to the XXXX site ( the site that the property manager asks tenants to use to pay their rent ) to confirm that the payment was made. The lessee claims that he made an additional {$5000.00} payment using my credit card information by accident. He logged on the following day, XX/XX/XXXX and made another payment to his account with my credit card and has no explanation how or why that happened. I had my Discover card in my possession the whole time and never lost control of my card. I have in writing that the leaser made the two additional payments. The leaser never provided the signed sublet agreement and decided to cancel the whole transaction. he assured me i would get the full {$12000.00} plus fees returned. I called Discover and spoke to the fraud protection department and explained the situation and reported the unauthorized charges as fraud. They issued a temporary credit for the {$10000.00} charges ( plus the service fees that were charged by XXXX ) and began an investigation.. A few days later I discovered that my friend was never given the signed sublease agreement which was promised to be given to him as soon as the {$2000.00} payment had been made, I then called Discover and. told them to add the {$2000.00} payment to the charges that were. being disputed and reported as fraudulent as the agreed upon sublease was never delivered as agreed it would be after the payment had been made. I called XXXX XXXX XXXX to discuss with them the fraudulent nature of the payments that were made. Despite numerous calls to. their main number I was only able to get voicemail. I left the details of what happened on several voicemails. I never got a call back from XXXX. I began the process of filing a police report and communicated with the chief of the Larceny division of the NYPD, XXXX XXXX, who put in touch with one of his detectives. His detective spoke by phone and i. gave him a summary of what occurred. He was scheduled to meet me that day so he could take my report. This was around XX/XX/XXXX, and the protests had begun after the death of XXXX XXXX. The detective was not able to meet. me. at the arranged time and I did not reschedule, as it seemed like the NYPD had their hands full dealing with the protests. In addition to reporting these charges to Discover fraud protection and having the three charges disputed I also cancelled my Discover account and opened a new account with a new card and new account number. I received letters later from Discover indicating that they never got verification from the. merchant ( XXXX and /or XXXX XXXX ) and that my temporary credits would become permanent and the case closed. Everything was apparently settled until mid XXXX when i noticed that my balance to Discover had increased by over {$20000.00} with no explanation from Discover. I called and was told that the merchant XXXX had finally responded to the written request Discover had sent them asking if the charges were legitimate or not. The response indicated that they were legitimate. Discover had no further information about the charges, what they were for or why they were legitimate despite my clearly indicating they were not. They sent me nothing in writing to demonstrate the legitimacy of these charges. When I referenced their fraud protection program that the customer is responsible for {$0.00} for any unauthorized charges, they claim that because I provided the credit card information that was necessary to make the initial payment of {$2000.00} to XXXX, that any subsequent charges were considered a billing error and not a fraudulent charge. This seemed preposterous and not in accordance with their fraud protection policy. The additional charges of {$5000.00} and {$5000.00} were absolutely not authorized by me and in no way reflect a billing error. They could not explain why this occurred after I had already been told the credits were permanent ( over 90 days after the charges were made ). They were reminded that the law limits the customers responsibility as long as the customer has the physical card in their possession when the disputed charges were made ( which was the case ). They were not able to adequately explain why the charges put back on my card were in excess of {$20000.00} when the disputed charges were only {$12000.00}. They offered to submit an appeal which would take 30 to 60 days, This discussion took place around XX/XX/XXXX. Discover has left all the charges o my account ( currently at {$25000.00} ) and has not communicated with me at all about the repeal. Several calls I made to get an update were not returned, no one was available to speak with me at the times I called. This situation has negatively impacted my credit score and my ability to refinance my mortgage. I submitted in writing another request to Discover about a week ago to update me about the appeal but they have not responded. Discover said there is nothing they can do. They claim that XXXX verified the charges. XXXX wrote me that the charges were fraud. I believe XXXX is at fault for keeping my credit card information in their system without my permission and allowing it to be used for additional chargess that I did not authorize. I believe that XXXX XXXX XXXX was the beneficiary of my money and they are in possession of stolen funds totallin {$12000.00}. I notified both XXXX and XXXX that the charges were not authorized and should be returned. XXXX would not even respond to my many calls and letter. XXXX admitted in a letter to me that it was fraud and indicated that they notified XXXX. i demand XXXX return my {$12000.00} and XXXX return the associated transaction fees immediately or be prosecuted to the full extent of the law. Thank you very much. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
Company Response:
State: NY
Zip: 10011
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: When I called up late in 2020 to resolve another issue, the Discover representative noted a recurring charge on my account. We looked into this further as I should not have ANY recurring charges - as i never allow them. It turns out the company - XXXX XXXX - a firm that I never used or gave permission to bill me - had been billing me {$16.00} on my card. ( When I looked on line, XXXX has pages and pages of complaints on this very issue, and a class action law suit against them for this. ) To avoid further fraudulent charges, I canceled this card, and got a new one with a different number. In addition, Discover started a fraud investigation. However, they did not back me up on this case and said that i did not prove fraud - even though i do not know who this company was, never knowingly gave them my information, and never received any services from them. Further, Discover said that the fact that this company was known as a fraudulent enterprise was irrelevant, something which i found incredible, as it went to the crux of the issue - particularly as they now have ads on TV touting Discover Cards commitment to combating fraudulent charges. While I understand it is not their sole responsibility to monitor my account - it is unnerving to know that I am " in it alone '' in dealing with this. A consider their actions in this to be disingenuous and unhelpful. Having been a customer for nearly 3 decades and having had great relationship in the past, i was deeply disappointed. I no longer trust Discover and will be cancelling my account. In addition, I am contacting my attorney to check on other possible actions.
Company Response:
State: VA
Zip: 22042
Submitted Via: Web
Date Sent: 2021-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-27
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: On XX/XX/XXXX a personal loan with discover personal loans I applied for was finalized. The payoff amount for a loan I have with XXXX was in the amount of XXXX. I provided them with the account information. I offered to pay this off myself but they said they would do it. This money was instead sent to another creditor that I do not have debt with and have never been a customer of theirs. I did not provide them with this information or authorize them to send any money to them. This was a complete error by the Discover employee. When I realized this, I called and was told that they have to recover the money before correcting the loan disbursement. I was told it should take about 3 days but to call back after 5 days. I called back after 6 business days ( XX/XX/XXXX ) and was told that there has been an issue with getting the money back and I will have to wait up to 90 days as they go through the recovery process. In the meantime, I am responsible for this debt ( for the funds of {$8200.00} that I never received ) and the original debt I had wanted to pay off. This has doubled my unsecured debt and may negatively impact my credit score through no fault of mine. I understand that mistakes happen. But this was not my mistake. Yet Discover is making me pay for their error. They offered to credit my loan with them for the amount of my other loan payment each month until resolved and are waiving interest. However, that does not change the fact that my unsecured debt is now XXXX higher than it was before I took out this loan. This was not a reasonable solution.
Company Response:
State: TX
Zip: 76048
Submitted Via: Web
Date Sent: 2021-02-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On Friday XX/XX/2021 I made the minimum {$20.00} payment due for : XX/XX/2021 at Discover. I used XXXX bill payment next day service that I have used periodically for years with no problem. Discover maliciously Stolen my {$20.00} payment because they have hatred of XXXX Consumers ( as stated by Discover customer service ). I called prior to confirm this payment was on the way but Discover choose not to do business with XXXX where a business can see and monitor " Incoming Payments ''. Discover took back my {$20.00} payment in the form of a Fraudulent {$20.00} Late fee which is total Theft. When I call to have the fees reversed I get a hate speech condescending lecture about using XXXX bill pay by Nasty Discover customer service reps. Disrespectful arguments that have nothing to do with the issue, Discover is hateful of XXXX because they make money in fees from these form of bill payments. Money Discover doesn't get ( and they know it ) so they decide to Abuse and Steal from there customers as reprisal which are unfair business practices. I will file a Police Report to this as well. Enough is enough.
Company Response:
State: MN
Zip: 55429
Submitted Via: Web
Date Sent: 2021-02-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a letter from a lawyer 's office regarding a credit card debt. The creditor is Discover Bank. I reported this account to the creditor and the credit bureau as a fraudulent account that I did not make. I stated that the account was applied and made by identity theft. Once I discovered the account 's existence, I reported a police report with an FTC identity theft report. Also, I requested proper verification to be processed for the fraudulent credit card account. Unfortunately, the credit did not provide any documents to me suggesting that I applied and used the account. The only documents I received were monthly statements of the fraudulent accounts. I requested a specific document, which was a written contract/agreement that was made between me and the discover bank. I do not understand how Discover bank can sell this fraudulent account to the collection agency when they clearly failed to conduct a proper verification process of this fraudulent account. Also, the date XXXX and XXXX posted on the upcoming lawsuit is XX/XX/XXXX and stated that I must reply back within 30 days. I only received the letter today, which is XX/XX/2021. I know by law I have 30 days to respond back to them, but I only received the letter today. XXXX and XXXX are playing games with me in order for them to not to provide any verifiable documents to me.
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2021-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: At XXXX XXXX today I was contacted by Person Calling : unintelligible They said that they were calling about a Discover credit card from XX/XX/XXXX-XX/XX/XXXX, that multiple collections agencies had tried to contact me over the matter and that they were going to sue me for XXXX dollars unless i paid them XXXX dollars. They threatened to have the papers served to my home TODAY. Then they read me my social security number and birthdate and asked me to confirm them. The DiscoverAccount number they provided me is : XXXX XXXX XXXX XXXX Frustrated and angry about being threatened so harshly I hung up on the lady ( XXXX ) and called Discover. They confirmed that this was in fact a scam and that i never had a credit account open with Discover. The information i have on the people that contacted me is : Issuing firm XXXX XXXX XXXX Refer to Case number MI XXXX They also harassed my husband while at work ( we were not married until XX/XX/XXXX, how did they get his info? ) and said that their Field agents would be dispatched to our residence as well as verified place of employment That if I dont call them today I would be in non compliance and this would be filed with courts under failed action to serve and evasion of delivery.
Company Response:
State: MI
Zip: 496XX
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have on my credit reports items that do not belong to me and I have no knowledge Of them and need them removed immediately.
Company Response:
State: FL
Zip: 33012
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A