Date Received: 2021-02-05
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Discover took my financial aid for my schoolbooks and closed my account. I was angry because I have no missed payments for 2 years so I said close the account. I then remembered that I just put {$500.00} on the card to pay for my schoolbooks so I changed my mind. The woman asked specifically if I still wanted her to close the account because she had to read the disclosure and I hung up. Now I can not purchase my books. They took my financial aid and closed my account in good standing preventing me from getting my online course material. My GPA is ruined because where I have to take online courses, they are only 8 weeks, and my financial aid is ruined and all they say is heres an address. Write them. I did not have the time to waste being an 8 week course and this will make a whole week missed in 3 different classes. I guess the time for haste has passed but I feel it is wrong and morally wrong. My whole life is ruined because they closed my account and they want me to write a letter and mail it.
Company Response:
State: WV
Zip: 25526
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: I get repeated calls from XXXX about lower rates for discovery card. They are obvious scammers asking how much money I have. I've told them to stop calling and that I am reporting them.
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
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 XX/XX/2020 i purchased a XXXX XXXX XXXX ticket to the value of {$1000.00}, and an extra {$280.00} through a 3rd party merchant called XXXX. Because of covid 19 the flights ended up being cancelled and we could not fly. XXXX XXXX will not offer refunds as the purchase was not done directly but through a 3rd party. XXXX has since stopped taking my calls regarding the refund. I have opened disputes with Discover but they keep putting the charges back as valid. I need my money back please assist me.
Company Response:
State: TX
Zip: 75025
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/2021, I contacted the company about the closing of my Discover It secured account. I wanted to know why my security deposit had not been returned to me since according to my statement on XX/XX/2021, my account has been closed as requested by me. Also, by XX/XX/2021, all 3 major credit bureaus also updated and reported the account as closed. By XX/XX/XXXX, I had received a check for XXXX cent for the remaining cash rewards balance. I was given the general response about the return of the security deposit. I explained to the CSR that this card had been reported as closed on my statement and the credit bureaus, but their system still has it listed as active because they have yet to send back my security deposit. I also told her that " It may take '' is not a definitive timeframe and leaves a lot of room for the company to essentially not return my security deposit in a timely manner. I owed no other interest and no other charges had been made. The account was paid in full prior to me requesting closure. I also told her that the company had no legitimate, legal reason to continue to hold my security deposit. I was supposedly transferred to a manager and given the same generic response. Essentially, the both of them were telling me that because they put that general statement in their policy, they had the right to hold my security deposit until that timeframe and nothing I say would change that. They believe that in stating in their policy " it may take '', rather than " it will take '' this or that amount time, it gives them the right to refuse to return my security deposit until they feel like it, not exceeding the 2nd statement & 10 additional days timeframe. This is a direct and clear violation of my consumer rights because they have no other legal or business reasons to not return the deposit at this point. This just can not be legal, and if it is, I implore you to look deeper into it because it is a totally violation. I have exhausted all other means to have them close out my account, in its entirety, in their system and return my deposit to no avail. This just is not right! Please help me!
Company Response:
State: TX
Zip: 75605
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: While checking my three bureau credit reports through XXXX ; I've noticed a few inquiries and accounts on my credit report that I did not authorize. Accounts : XXXX XXXX XXXX - acct # XXXX - Date opened:XX/XX/XXXX XXXX XX/XX/XXXX- acct # XXXX Date opened : XX/XX/XXXX Discover Bank- acct # XXXX Date opened : XX/XX/XXXX XX/XX/XXXX- acct # XXXX Date opened : XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX acct # XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX acct # XXXX Date opened : XX/XX/XXXX Inquiries : XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Discover Financial Ser XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Company Response:
State: TX
Zip: 75287
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
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: 2021-02-04
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I received a phone call from a lady out of CA who said that they needed to send a subpoena for an unpaid debt. I explained that I had no idea what this debt was, when it was accrued, or anything. She called from XXXX and said she was with the XXXXXXXX XXXX XXXXXXXX. She advised that she wouldn't send this just yet and that I needed to speak with the case manager, XXXX XXXX at XXXX. I called Mr. XXXX. He said that I had a 20+ year old credit card debt to Discover Financial. I explained to him that I had never had any dealings with Discover Financial. He told me that there was over a {$7000.00} debt, but that I could settle with him for {$2800.00}. I told him that I needed to do some research on this because this was not my debt, and I never had any accounts with Discover Financial. He got ver rude, told me that we would receive a subpoena if I didn't agree to settle, and then threatened me with a lien on my home. I told him that I didn't handle all of this financial stuff due to a XXXX injury while serving in the XXXX, but that I would have my wife call him back to get all the information that she needed to do a search on this. My wife called back about 2 hours later. He was just as rude to her, refused to give her any information about the account, when it was opened, when it went into collections - nothing. She decided to contact Discover Financial. She spoke with representatives in the credit department, the banking department, the mortgage department, and the personal loan department. No accounts pulled up using my social security number at all. My wife called back to the number that we had for this XXXX XXXX XXXX. She then spoke to a man by the name of XXXX ( he did not give his last name ). He was the same ugly and threatening as Mr. XXXX, but he did give her a supposed Discover account number : XXXX. My wife called Discover back again. They could not locate this account number. They said that she would need to talk to the Discover Attorneys department that handled collections. The next morning my wife called the Discover Attorney 's Department. They did another search on my social security number and this supposed account number. They came back and said that no account has ever existed ( past or present ) for me - nothing under my social security number. And this account number that the representative from the XXXX XXXXXXXX XXXX was not valid. Their conclusion was that I never had an account with Discover Financial because even when an account is sent for collections and charged off, Discover keeps a record. My wife also keeps track of our credit reports. There has never been any collections on my credit report that indicate Discover. The people at Discover advised me to file a fraud report with the FTC since this department handles credit collections and their practices. I also learned that an unsecured credit card debt has a statute of limitations of 4 year in Texas. I also discovered that there is legal steps when making collections attempts ; none of which were granted to me had there been a delinquent debt to be collected. I believe this is a scam to scare and threaten people into sending a " settlement '' amount to these people who are not debt collectors but in fact hackers/thieves.
Company Response:
State: TX
Zip: 765XX
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I had two loans totaling roughly XXXX charged off by Discover in XXXX of 2019. After talking with XXXX they agreed to place me on hardship payments. Discover neglected to tell me that the payments were only in place for three months. Discover made no attempt to contact me at any point from the end of these hardship payments. This XXXX, hoping to settle the balance, I called Discover. I spoke to an individual named XXXX, who informed me that Discover was willing to settle the account for a lower amount. Hoping to get the loan off of my account, I was incredibly motivated to reach an agreement. Unfortunately, Discover wanted roughly XXXX, which was more than I had at the time. I told Discover I would contact them within a week to let them know if I could make XXXX work on my end, while XXXX said she would try to get a lower settlement number. I since made numerous attempts to contact XXXX. Every time I was told that she was unavailable. I was hoping to specifically talk to XXXX, as me and her had built up a good report and I had had negative experiences in the past with other Discover personnel. Today, I again attempted to call XXXX. Instead, I was told by Discover that my debt had been sent to a collection agency with no notice. I talked to several representatives from Discover, including XXXX XXXX and her supervisor XXXX ( who was incredibly rude, arrogant and belittling ), and was told that there was nothing that could be done. I do not believe that Discover gave me proper notice before sending this debt to collections, and I believe that XXXX was purposefully unavailable in order to prevent me from settling the account. I am currently reaching out to whomever I can for assistance.
Company Response:
State: MA
Zip: 02122
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I've had a Discover credit card for a little over a year now and noticed that my bill keeps increasing every month eventhough I haven't even used my credit card to purchase anything in several months. First I noticed that my bill was {$1500.00} in the month of XXXX then {$1600.00} in the month of XXXX. Now it's all the way up to {$1600.00} and I haven't used my card since XXXX. I always pay a little extra on my due balance every single month ( they usually ask for {$52.00} I give them {$60.00} a month ). So I can't understand why my balance is increasing instead of decreasing when like I said I have not used my credit card in like 5 months. In fact they even went up on my minimum due balance, at first they wanted only {$52.00} a month now they want {$130.00} a month. I feel like I'm being scammed here. Can you please help me? Thank You, XXXX XXXX
Company Response:
State: PA
Zip: 19128
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2021 ... Discover Financial Services ran my credit and they keep telling me they dont have any or my information in their system. But I never applied to a loan, a credit card, or any of the following. The Credit Bureau told me to get a letter from Discover Financial Services stating that it was a mistake and none of my information is found but they refused. I dont know if somebody used my social to apply or anything, but that wasnt me. Now its a hard inquiry on my credit report.
Company Response:
State: PA
Zip: 19050
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A