Date Received: 2021-02-07
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 this DATE we made a reservation to a XXXX XXXX hotel through XXXX we made an initial deposit of {$570.00} on XX/XX/XXXX. We then paid the rest of the trip a total of {$1300.00} on XX/XX/XXXX. The week that the trip was scheduled, due to COVID-19, our flight was cancelled and the airline refunded our money. The lockdowns in our area forced us to cancel the trip to XXXX XXXX. At the time XXXX XXXX offered us a voucher via phone conversation. Unfortunately unbeknownst to us they closed their doors in XXXX. We reached out to XXXX XXXX on XX/XX/XXXX to ask where our voucher was and found out in an email response that they were temporarily closed for eight weeks beginning in XXXX. We then found out through news articles online that they had permanently closed. The XXXX XXXX XXXX also states they are out of business. We have reached out to XXXX several times to see if they could refund us and they have not helped us at all only promising to call us back and then they never called us back. They say XXXX XXXX would be the ones to give us a refund. But obviously there's no communication availabile to XXXX XXXX because they're closed. Unfortunately after months of trying to to communicate with XXXX, we have been told by them that the hotel was suppose to process a refund, we still have not received any refund. We started a dispute with DISCOVER in XXXX to see if they could help us resolve the issue. They have continued to ask us for new information stating that they can not reach out to the merchant who charged the card. We have provided mountains of information and still have been denied a refund. We were charged for services that were never rendered. We have waited months for DISCOVER to look into the dispute which is well beyond the window allowed according to the fair credit billing act.
Company Response:
State: NC
Zip: 27545
Submitted Via: Web
Date Sent: 2021-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I placed an email order with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX ) in the amount of {$100.00}. Days passed without getting a confirmation email of the order being received. I then decided to call to ensure the order was, in fact, received. I spent a ridiculous amount of time on the phone being handed off to people to finally be told they had not received the order and that they were going to place it right then XXXX XXXX number XXXX ). A few days later, I receive the items in the mail. Then a few days after that, I receive the same items again. When I called the company and explained they sent me a second order ( and charged me for it ) they said I could mail it back and get a refund but I would have to pay shipping ( which was {$20.00} according to their original charge ). I was absolutely willing to take my personal time to mail it back but I was not going to pay for the items that I did not order or pay to send them back due to their lack of organization and accuracy which obviously takes place within the company. When I called it was very clear that no one knew what was going on and when I called to resolve their mistake they were not helpful at all. At this point, I have spent several hours on the phone with this company and did not feel it was my responsibility to pay for their mistake. I then gave up and called Discover. I have been a faithful Discover card user for 21 years without a single missed payment or even a dispute. I thought my card company would help me dispute the incorrect, unapproved, 2nd charge to my account ; however they came back and said I was responsible to pay it. I do not see why I have to pay for a company charging something to my account that was not approved. I have since refused to pay the amount and they have added late fees and submitted my account as delinquent. I would like this reversed, as it was not my fault. I have also submitted the a complaint to the XXXX of the company requesting they refund Discover card charge.
Company Response:
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2021-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-07
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: This is in regards to a student loan with Discover Bank. In XXXX, my co-signer filed chapter XXXX bankruptcy, putting this loan in default. I contacted Discover and learned how I could continue to make on time payments on the loan in good faith and in order to decrease the balance. The bankruptcy cleared in XXXX, and I contacted Discover to learn how I could pay the remaining balance of {$860.00} before it was sent to collections. I was advised where to mail payment. I requested something in writing stating that this payment would satisfy full payment of the loan. I was told that this was not possible, but that the account would be updated if I mailed payment. I promptly mailed a check, along with a letter requesting that someone send me documentation upon receipt confirming that this was payment in full. They cashed the check in XX/XX/XXXX ( see attached photo ) but they never sent me documentation of payment in full. I contacted them several times about this and was assured it would be taken care of. I continued to wait for documentation, only to find that after cashing my check for the balance, they reported the account as being in collections on my credit report and that there was an outstanding balance of {$860.00}. My credit took a substantial hit. No one in customer service could explain this or correct it. I was promised calls back after looking into things, and these calls never came. After all this, and 5 months later in XXXX of XXXX, they mailed me back a check for the {$860.00}. They never corrected my credit report. I contacted them again on several occasions and was instructed to reach out to someone named XXXX XXXX. I did so and she never returned my calls or emails sent on XX/XX/XXXX and XX/XX/XXXX. I did confirm with another Discover customer service rep named XXXX that the contact information was correct. I called and spoke with them more times than I care to count to resolve this, and no one could explain to me what the problem was or why they paid me back. They told me to mail another check, and I said I would do this if they could first a ) tell me what went wrong and the first time and b ) send me something in writing saying that payment of this amount would cover the balance in full and c ) fix their reporting to the credit bureau. They never did any of this, and I simply waited for the account to fall off my report, and took the hit to my credit. I again contacted Discover in XXXX of XXXX asking for documentation that I could pay the remaining balance and be done with this debt, but the customer service representative requested additional days to look into the issue, and never called me back. In XXXX of this year, XXXX, I was contacted by a collection agency for the balance of XXXX on behalf of Discover. I was concerned that paying this would reopen the account on my credit report, but certainly did not and do not trust anyone at Discover to give me a straight or accurate answer about this, as they so grievously misdirected me up to this point. I paid the collection agency the full balance promptly, in hopes that this will finally resolve what has been a very frustrating and unfortunate experience. I received legal advice to file this complaint in order to avoid any further damage to my credit. I will never bank with Discover for any purpose again for this reason, and hope that this might help someone else in a similar predicament.
Company Response:
State: MD
Zip: 21403
Submitted Via: Web
Date Sent: 2021-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Opened my discover secured account in XX/XX/XXXX. Called discover week of XX/XX/XXXX to discuss my credit availability on a secured account because even though payment was taken from bank account it was showing XXXX credit available. After speaking with agent for about 20 min I was informed the reason that I was having this issue is because I was making so many payments in a month and discover just wanted to make sure the payments would actually post. Under the advisement of the agent I increased my secured amount from {$800.00} to {$2000.00} so that moving forward the same issue wouldnt occur. The additional XXXX is taken from my bank account and by the XX/XX/XXXX my discover account reflects the increase but then something strange happens on the 25 my account access gets restricted and my card begins to decline everywhere. I contact discover they send over a form for me to sign and say once this is handled my card access will be restored. Well two weeks later and many phone calls with agents telling me they can not discuss account discover closes my account with no heads up and nobody can tell me why or when my security deposit will be returned this is blatant theft.
Company Response:
State: FL
Zip: 33328
Submitted Via: Web
Date Sent: 2021-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-07
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: XXXX has had me locked out of my credit report for over a year, they keep lying and saying they will send me a copy, I kept complaining how inaccurate it was on the app so they locked me out of accessing it, I cant even order it online, and when I call they tell me theyre mailing it and dont ... I have excellent credit and anyone who checks it through them denies me and said theyre telling them my score is XXXX ... It isnt ... Every single hard inquiry they have needs wiped because they provided misinformation on them checks and I was denied things I shouldnt have been denied over it and can prove it ... XXXX XXXX sent me a letter telling me they said my score was XXXX and thats why I was denied ... All the other agencies have the right info ... I have asked they fix it over a year now and they still havent ... I have asked for a copy of the corrected report for over a year and they never send it just say they will ... At one point they had almost everything on my report wrong clear to my name spelling and social security number ; and when I sent the copy of the report back with the corrections that needed made hand written in and requested a corrected copy all of this started where they locked me out of viewing my report and refused to send a corrected copy ... I want all the inquiries wiped they provided the wrong information to those companies and I want to see my report ...
Company Response:
State: OH
Zip: 446XX
Submitted Via: Web
Date Sent: 2021-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requesting that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692. These inaccurate reported accounts are causing my family and my growing business emotional distress. These missed payments have been inaccurately reported.
Company Response:
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2021-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
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: Last month I sent XXXX XXXX and XXXX XXXX brand new FTC reports confirming the accounts that are due to the 2017 XXXX security breach or what have you but they were fraudulent both XXXX XXXX XXXX did a fantastic job and experience did someone have a good job but they happen to have left one account on my credit file and that is the Discover card with the balance of around {$3000.00} that I never opened up. Before my attorney and I take XXXX and Discover card to court and were not going to settle I dont care if its {$1.00} XXXX we are going to court with jurors full-blown quart room if this discover does not get removed because it was noted on the FTC report you removed everything else except for that one account just Discover pay you more money to rent space as a trade line XXXX? Having this derogatory account on my credit bureau has prevented me and my family from chaining financing during this on trying time on certain time in America you are a large banking institution with 0 % fraud liability what you are a a bunch of crooked lying thieves Discover card now Im giving you 15 days to remove this tree line from my experience in credit report or Im going to sue you for {$50000.00} plus pain and suffering I found it interesting that XXXX likes to keep the 98 % down but theyll protect that 3 % to make sure nothing goes on their credit bureau thats blemished the whole monopoly a whole crooked monopoly and they even have a computer system that scores whether or not some thing is valuator should be removed or shouldnt be removed.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: attempting to open Discover card online. Have bad credit less than XXXX per communications with bank staff ( dispute with XXXX XXXX XXXX which has been filed with CFPB on account of banks delay to close card ). The phone number on the site is not working, site is not working, if staff do respond they do not provide any information. Card has not been activated as yet as application is not being completed.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2021-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-06
Issue: Problem with a purchase or transfer
Subissue: Overcharged for a purchase or transfer you did make with the card
Consumer Complaint: I was alerted that XXXX hackers had infiltrated my IPS on my computer and had charged a total of {$20000.00} to three different XXXX XXXX sites. I was instructed to work with a representative from Discover card to delete these charges. I was told that the charges had been made as a customer designated purchase and I would have to use gift cards to override the purchases and reclaim my money. [ I have said XXXX enough times that you don't have to. ] The Discover contact used the phone number of XXXX XXXX XXXX. I gave him the gift card info from XXXX 's, XXXX 's XXXX, XXXX XXXX, and XXXX. I did not give credit card numbers. I have called all of the credit cards to ask for help but they said that this does not count as fraud. To my deep shame and great regret, he XXXX me for {$20000.00}.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2021-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: From approximately, XXXX, charges were made on my account on did not authorize. I have been disputing these charges for approximately 9 months now. 1 ) Company has refused to block the merchant until recently - doing so would have saved me additional 6 months of charges to my account equally of about {$90.00}. 2 ) company has refused to cancel the card and issue a new card stating " that they were reoccurring charges and they would still follow my account ''. Charges I have been disputing for approximately 9 MONTHS NOW! BIG 3 CC COMPANIES - XXXX HAVE DONE SO WITHOUT A PROBLEM. 3 ) Discover states they are only allowed to go back 4 months per agreement with??? Failed, refused, and ignored my request for PROOF OF SUCH AGREEMNT stating so either by Statute/Law/Regulation/Member Service Agreement in effect. To date I have been charged approximately {$240.00} for something I did not ever agree to, and I am only getting {$60.00} refunded. This is astounding, ridiculous, sloppy, and unprofessional. This could have ceased long ago. Discover takes no accountable or responsibility for what they failed to do, when they were notified of a problem on the onset. In addition, an investigation needs to be conducted as to why : 1 ) A consumer can not freeze their account. 2 ) Why a merchant can not be blocked from charging an account. 3 ) Why a card can not be cancelled and a new card issued. 4 ) why charges continue to follow and account even when its disputed or a card cancelled. 5 ) Why a company can refuse to provide proof of either Statute/Law/Regulation/Member Service Agreement in when challenging a company regarding a policy, especially one challenging a " 4 month '' rule for disputing charges for a longer duration. This is absurd and unheard of. I challenged this with XXXX and they lost. Charges going back longer than a year have been disputed and overturned because I won their challenge!
Company Response:
State: CO
Zip: 80922
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A