Date Received: 2021-02-16
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: My Husband, XXXX XXXX, applied to multiple Credit cards companies without my knowledge. He financially XXXX me and did not let me have access to see the debt on the credit cards. We are in the process of a divorce now, and I discovered all these cards under my name after filing for divorce and checking XXXX XXXX. I have filed a police report that is attached. I have filed fraud for the cards as well.
Company Response:
State: TX
Zip: 75025
Submitted Via: Web
Date Sent: 2021-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: 1.On XX/XX/XXXX, through Discover Online Saving 's Transfer Money function, I initiated an ACH deposit of {$50000.00} from my XXXX checking account to Discover. Due to the insufficient fund in my XXXX checking account, this tranfer failed. ( From XXXX transaction : RETURNED ITEM FEE FOR AN UNPAID {$50000.00} ITEM - DETAILS : DISCOVER BANK ETRANSFER XXXX WEB ID : XXXX ). 2. On XX/XX/XXXX, after I saw the transaction of XX/XX/XXXX transfer failed showed in Discover account, I made a {$50000.00} ACH deposit transfer from XXXX to Discover, and this time the {$50000.00} fund left XXXX ( XX/XX/XXXX DISCOVER BANK ETRANSFER XXXX WEB ID : XXXX ) and arrived Discover Saving on XX/XX/XXXX. 3. On XX/XX/XXXX, I noticed from Discover account, Discover issued a reverse ACH deposit of {$500000.00} to XXXX without my authorization. I called Discover in the same day to check, and was told the reverse deposit is for the transaction I made on XX/XX/XXXX, even though they did not received any fund due to insufficient fund, they still somehow posted it in my account. Therefore, I was told nothing need to do as they already received the {$50000.00} ACH deposit on XX/XX/XXXX. Note : I never received any Reverse Deposit from Discover in my XXXX checking. 4. On XX/XX/XXXX, I noticed that Discover issued another Reverse Deposit of {$50000.00} to my XXXX checking without my authorization again. I called on the same day again, and this time I was told a different story : The Reverse Deposit of {$50000.00} on XX/XX/XXXX is for the failed transfer on XX/XX/XXXX and I should received it in up to 3 business days. The previous Reverse Deposit on XXXX is for the transfer on XXXX! Again, I waited a week, no any Reverse Deposit hit my XXXX checking. 5. I made 3 more following up calls to Discover to try to locate my {$50000.00} fund and the latest one is on XX/XX/XXXX with ref # XXXX. The latest they told me is that the {$50000.00} has left Discover and is with their " middleman '', and I have to ask XXXX to request it from this " middleman '' to get my money back! This is so ridiculous to me and to XXXX ( I talked with XXXX, they do not have such procedure ) .I tried so hard to ask help from Discover and ask them to escalate this BIG SYSTEM ISSUE to their upper management, and was told that all XXXX upper leaders at Discover provided the same solution, which is no solution and Discover has nothing to do to get the money back to Discover or XXXX. They refused to continue on my case. 6. During the time of long conversation with Discover representatives, I also learned the similar SYSTEM ISSUE happened not on myself, but also other customers. I am so worried about my missing {$500000.00} day and night. As of today ( XX/XX/XXXX ), there is no any help from Discover and my money is just gone!!!
Company Response:
State: TX
Zip: 75094
Submitted Via: Web
Date Sent: 2021-02-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response:
State: MA
Zip: 014XX
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Discover Card is the company I just received an email late evening on yesterday stating that my card was closed due to inactivity. Are you guys serious? The whole world is in a crisis/pandemic and has been for a year now so of course I haven't used my card. For a while we weren't even supposed to leave the house due to quarantine. I had to take this serious as my mother who has XXXX lives with me. I have been trying to be responsible while being unemployed due to Covid by not using my cards and possibly not having a way to pay it back. I made sure all my cards were paid off to a XXXX balance and wanted to have it in case of emergency. Your rates are too high and therefore a lot of stores won't even accept your card just like XXXX XXXX. I take my credit serious and to know that if I was somewhere trying to use this card and got declined I would be really furious especially during times like this. I would like this decision to be reversed since I have been a good, faithful member with no late payments. There was no courtesy call or warning of closing my card just due to inactivity. This is ridiculous and unfair.
Company Response:
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2021-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I purchased a power cord for {$31.00} from XXXX XXXX XXXX XXXX using my Discover Checking ATM Card, and was sent someone else 's partial order. I called XXXX to rectify the problem as was told that they would overnight me a cable and issue a call tag for the wrong items I received. I did not receive the cable I originally paid for, and followed up with a call. I was told they could not help me further. I tried to contact corporate by received not correspondence back. I then proceeded to start a chargeback claim with Discover Bank on the basis of fraud. I was told twice by them that they could not help me because Regulation E did not protect me if the merchant sent me the wrong item. Discover is allowing this fraudulent charge and not protecting me as a consumer and customer. I have banked with them for over 2 years and have been an outstanding customer. I would like to proceed with a complaint against Discover Bank for this incident.
Company Response:
State: CA
Zip: 934XX
Submitted Via: Web
Date Sent: 2021-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: ACCOUNT HAS NOT BEEN VERIFIED WITHIN 30 DAYS
Company Response:
State: PR
Zip: 00646
Submitted Via: Web
Date Sent: 2021-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Theres an inquiry on my consumer report from a company I do not recognize. I dont have an account with them under collection nor for review
Company Response:
State: CT
Zip: 06042
Submitted Via: Web
Date Sent: 2021-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: my late partner opened up a discover card under my name and social security number ran up a XXXX debt, which i had no idea, and now i am being sued for that debt. i should not have to pay this. as it was my partner who died in 2017.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2021-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2021-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I let them know I am rescinding my signature to the contract.
Company Response:
State: FL
Zip: 33168
Submitted Via: Web
Date Sent: 2021-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A