Date Received: 2023-11-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: For over one year Discover has claimed I owe them money for charges I never made. They have continued to harm my credit report, after telling me they made numerous errors in dealing with my fiances. I owe discover nothing and when I get the time as now I can not even get a place to live because of discover, I will make it very clear that they intentionally harmed me. XXXX, XXXX and XXXX continue to put fraudulent information on my credit file reported to them by Discover. Today is XX/XX/2023 and the issue after one year has still not been fixed as Discover promised and apologized for their computer error dozens of times.
Company Response:
State: CT
Zip: 06053
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: Applying for a mortgage or refinancing an existing mortgage
Subissue: Application denials
Consumer Complaint: On XX/XX/XXXX I applied for a Discover refinance home equity loan. I was given nine point interest-rate and everything was going smoothly until XX/XX/XXXX when they said I was in a flood zone which I am not. I submitted all the documents from XXXX showing Im not in a flood zone. I then been followed up with a call to the document loader because I was willing to even buy flood insurance and then cancel it later so that this loan would go through. She stated that all the documents looked good and then now we wait for them to reject and to give us Extended deadlines to prove otherwise. My first mortgage does not have flood insurance and it is not required because Im not in a flood zone. They told me that XXXX reported that I was however when I called XXXX XXXX said that XXXX not in a flood zone and that many of these lenders use third-party, conservative underwriters that will demand flood insurance if you are close to a flood zone. This sounds like a cash grab and seems to be illegal Forcing me to buy flood insurance when Im not in a flood zone. Meanwhile because its another month it is now XX/XX/XXXX. They canceled my loan application even though it wasnt my fault and there have been two rate hikes so now I have to reapply with a 9.8 % interest rate. And still fighting to prove I am not in flood zone
Company Response:
State: OH
Zip: 45373
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: 2023-11-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My Discover Card was closed due to a verification done last month, after almost 3 years of having the card. I received an email from, XXXX which i verified my discover information but did not receive any responses. I found out my account closed when i received an email about my identity protection was longer active about a week later. I asked why is there a verification being done was it because a payment bounced? At first they said it was XXXX requesting the info, then they said it was the IRS. Which I contacted both and found out discover themselves are doing these verification. I called back and they said they review taxes from 2 years ago. Which XXXX couldn't verify my information because i changed address and my marital status. I asked why they didn't contact me directly. They said because myself phone number wasn't under home but is under cellphone. They said they only called house numbers. I quickly responded letting them know they could have emailed me, called my cell, or even messaged my from the app like they done before for any issues. I've also provided them my check and ID number because they never increased my credit limit from XXXX XXXX and i was 100 percent on time with payments and my credit score was XXXX any balances on my credit were from an authorized user. This was done a month prior. the closure of this card has brought my credit to the low XXXX. it was one of my oldest cards that i worked hard on building my credit. It is not fair the credit card companies can advertise increases for one time payments and building credit then close your account without warning. This is the second time its happen to me and this low score and decrease in availably credit has affected me financially now having to pay higher limits on accounts i was working hard to refinance. One of the reps went as far to say that people had the card for 20 years and had their cards closed.
Company Response:
State: NJ
Zip: 07024
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Every month, I pay more than the minimum payment on my card ( in smaller payments that add up to more of the minimum ) and every month, I am charged a late fee. I called and complained about it once and they told me it was something to do with the timing of my payments and took some fees off. I changed up the timing of the payments per their suggestion and I STILL get charged a late fee. Regardless of the timing of my payments, if the statement shows that I paid more than the minimum in the month that the statement is showing, I should not be charged a late fee. This weird " cut off '' is both hard to understand and seems like a way to trick people into getting late fees. I've attached my XXXX statement showing my minimum payment for XXXX was {$83.00}. I've attached the XXXX statement showing that I paid {$120.00} during that month and was still charged a {$41.00} late fee. It looks like they basically don't count XXXX of the {$50.00} payments towards the total payment for the month because of the " timing '' but that should not be the case, If the {$50.00} from XX/XX/29 isn't going to " count '' because of " timing '' than the {$50.00} from XXXX, should have. If the minimum is paid in a billing cycle, it should not incur a late fee. XXXX. How have they been getting away with this and how many thousands of dollars have they bilked from people this way????
Company Response:
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I was trying to purchase a house and realized that I had major issues with my credit file. According to the 15 u, s, c 1681A law states that late payments are illegal. My late pay came during the pandemic which I thought that the government had expressed to the bill collectors to be more lenient. Also 15 USC Section 604 states rights to consumers ' privacy. Reporting agencies can not furnish an account without my written consent. The resolution to this is to delete the listed accounts. Discover Bank XXXX With XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Upgrade XXXX XXXX, XXXX and XXXX
Company Response:
State: NY
Zip: 11435
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I contacted Discover about an account on my credit report in XXXX and I have heard nothing back, and the account is still reporting. The account was opened in XXXX, but I don't remember opening an account with Discover that year. I also informed the credit bureaus as well as Discover that my personal information was compromised in a data breach. I requested documentation for this account over 60 days ago. I am demanding that this account be removed due to clear violations of the FCRA. I want to also point out the inaccuracies in the date last active. I will attach my credit report as well as my XXXX data breach claim. Please remove this account within 15 days.
Company Response:
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
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 opened a case with Discover Card 3 times, I submitted requested information. There were phone calls, & letters by both parties too numerous to list, but recorded. I was a victim of gift card scam and Discover has said that unless I have new information, not to make another case. Discover has said that because I authorized the transaction, I am responsible for the debt and no fraud committed. The scammers posed as XXXX and then Discover. I was threatened with child XXXX on my computer and a {$10000.00} charge to Discover from XXXX for child XXXX. I was told not to talk to anyone and only talk to Discover man in my car. He told me to go to XXXX and purchase 20 gift cards in {$500.00} denominations. I was crying and in my pajamas and went to XXXX. He told me to leave my phone on and purchase gift cards. I went inside and the clerks gave me the gift cards without hesitation or any questions about my appearance or condition ( crying, in pjs and disheveled hair. ) I got really upset because the purchases scared me and I stopped at 11 cards & {$5500.00}. I went to my car and he said to read the numbers on the back of the cards. He said that was not enough and to go to another XXXX, leave the phone on and drive. I drove to another town to XXXX. The clerk would only give me one {$500.00} gift card because of scams. I went out to my car and the man put me on hold and then said to go to XXXX XXXX with the phone on. I drove back to my town and went to XXXX. They did not want to give me the cards and said because of scam. I convinced them to give me {$4000.00} worth of gift cards. I was terrified and told him I was going to the FBI and he said the FBI and my bank were in on this. I didn't know what that meant but I was crying heavily and very scared. I was in my pjs and it rained all day. He kept me on the phone for five and a half hours. I have it documented and I had verified both the XXXX & Discover persons credentials. I thought I did my due diligence but they had me held up on the phone and threatened me with child XXXX and jail. I recovered the {$4000.00} from HD because scammers hadn't spent yet, XXXX XXXX has said forgiven {$3000.00}, but Discover Card has said I am responsible for the {$6000.00} debt because fraud was not committed, I gave permission. I WAS HELD UP ON THE PHONE AND THREATENED WITH CHILD XXXX AND JAIL. NOT ONLY ME BUT MY SON TOO. I AM ELDERLY AND ON FIXED INCOME. I CAN NOT MAKE THE MINIMUM PAYMENTS. THIS IS FRAUD. PLEASE HELP ME. THANK YOU IN ADVANCE.
Company Response:
State: MO
Zip: 63028
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
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: During XXXX - XX/XX/XXXX we had our credit card stolen. We never used the card and never realized the charges. Upon finding the charge we called Discover and disputed. They were very helpful and unwound all the charges in a timely manner. When that was done we found a positive $ XXXX on the credit card. This was a combination of monthly payments we had made on the balances over the year and the total amount of the disputed charges. I called them and asked if this was my money to withdraw to my checking account. This conversation was had both on virtual chat and over the phone for confirmation. The answer both times was yes. However I wasn't able to do it myself they had to transfer. So I provided my account info and in 3-5 days the money was in my account which we used to pay off unwanted debt. 1-2 weeks later I got a notification on my phone of over balance. I looked at my app and there was a balance of over - $ XXXX!!. I called Discover and they said my case was opened back up and all deposits had been unwound. After endless calls in to Discover. Some being very helpful and others just being told there is nothing they can do. We are at a loss. It's almost a year later and they are now saying there is nothing I can do all the money is my responsibility and they won't open it back up. We filed a police report right at the start as instructed. The person was arrested with video evidence and still awaiting federal charges and trail. Both the courts and Sherriff have been in contact with Discover and Discover have confirmed this. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, Pending ( active ) Reference Case cross references Prosecutor Case Management XXXX Police Agency XXXX As we sit I have a $ XXXX balance on my credit card with a $ XXXX limit. My credit is shot and I'm making {$500.00} - $ XXXX monthly payments on money I NEVER spent!
Company Response:
State: IN
Zip: 467XX
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I am a victim of identity theft Due to my mother opening an account with Discover Bank. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account and I shouldn't have to pay for something i did not authorize.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: As the XXXX I have begun the process of correcting records, discharging and notifying all entities employing the ALL CAPS name of the new stipulations. XX/XX/2023 Discover was noticed of new stipulation as the XXXX. XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX a notice of tender was sent RE XXXX XXXX XXXX XXXX XX/XX/2023 Payment was tender with {$21.00} money order RE : XXXX XXXX XXXX Money order was redeemed with instructions to use for special deposit on acct. The money order was put into general deposit commingling funds. XX/XX/2023 statement of discharge was sent RE : XXXX XXXX XXXX XX/XX/2023 a Debt Assignment by XXXX was sent RE : XXXX XXXX XXXX XXXX XX/XX/XXXX a final statement of discharge was sent XXXX : XXXX XXXX XXXX XX/XX/XXXX A rescission of signature was XXXX RE : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 2023 Exoneration from debt was sent cert mail # XXXX The debt amount is {$2300.00} To date Discover has not responded to any notices or rebutted any notices.
Company Response:
State: LA
Zip: 70461
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A