Date Received: 2021-02-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/XXXX We recieved quarterly statement to find XXXX transfer we made from our external bank had been returned for processing " Cashedge error. '' Called our external bank XXXX XXXX XXXX XXXX to confirm original transfer was made on XX/XX/XXXX with no errors. Confirmed transfer complete and per account statements the XXXX had NOT returned to XXXX XXXXXXXX XXXX XXXX account. Discover representative, XXXX filed a " Missing Transaction Form '' said it would take 2-3 business days for follow up on why the funds were REVERSED same day of XX/XX/XXXX and where the funds are currently. XX/XX/XXXX We called in to Discover for update. We were told the case was closed and given trace # XXXX that funds were with XXXX XXXXXXXX XXXX XXXX. Spoke with XXXX, Account Service Specialist with XXXX XXXXXXXX XXXX XXXX. They pulled Fed Reports for XXXX and no deposits of XXXX sent from Discover to XXXX XXXXXXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX asked for PROOF OF PAYMENT from Discover to open case with XXXX XXXX to locate the funds. Per XXXX from Discover, they were working on getting the PROOF OF PAYMENT, but it had to go through their legal dept. XX/XX/XXXX XXXX stated Proof of Payment letter still not approved. She discovered a letter to XXXX and I dated XX/XX/XXXX confirming REVERSAL was because of PROCESSING ERROR with CASHEDGE ( we never recieved this letter and Discover could not confirm it was sent to us ). XX/XX/XXXX XXXX from XXXX XXXXXXXX states that DISCOVER really needs to open a case with processor during a 3 way call with XXXX. We are told this has " Already done & CLOSED- funds transferred to XXXX XXXX XXXX XXXX XXXX '' PROOF of PAYMENT still not provided from Discover for XXXX XXXX to open case with XXXX At XXXX XXXX from DISCOVER had us speak with XXXX, DOCUMENTATION SPECIALIST for DISCOVER on a 3 way call with XXXX from XXXX XXXXXXXX XXXX XXXX and XXXX the Director of Operations for XXXX XXXXXXXX XXXX XXXX. XXXX confirmed TRACE # and gave a new date of XX/XX/XXXX for transfer occuring.This information enabled XXXX XXXX XXXX XXXX to open a case with XXXX XXXX. XX/XX/XXXX XXXX XXXX Case closed with no location found of {$20000.00} being transferred from Discover back to XXXX XXXXXXXX XXXX XXXX. XX/XX/XXXX Called in to Discover for update. Spoke with XXXX at DISCOVER on a 3 way call with XXXX and XXXX from XXXX XXXXXXXX XXXX XXXX. He said the ERROR occurred with Discover CODING ERROR with XXXX. It will take 2 business days for Electronic Transfer Team to review. He gave XXXX XXXX XXXX TRANSACTION ID ( Internal number for XXXX ) for XXXX XXXX. He told XXXX XXXXXXXX to contact XXXX and XXXX would be aware of the issue with transfer and be able to locate the funds with the processor. XX/XX/XXXX XXXX from XXXX XXXXXXXX XXXX XXXX called to say their XXXX XXXX contact spoke with XXXX XXXX and that the {$20000.00} was sent back to DISCOVER on XX/XX/XXXX and on DISCOVERS GL ( general ledger ). XXXX confirmed this information with XXXX and XXXX at DISCOVER. XXXX via XXXX told XXXX it would take 2-3 days for Discover teams to locate funds. XXXX said they should contact XXXX XXXXXXXX 's, their client to update how DISCOVER was going to handle this. XX/XX/XXXX Called in to Discover for update. Told by XXXX at DISCOVER that the Electronic Transfer Team could not find the {$20000.00} and that the MONEY MOVEMENT TEAM was know looking into the matter. And that would take another 2-3 business days. XX/XX/XXXX Called in later that day for update. Told by XXXX XXXX Movement Team still looking into the matter. He documented on our account that all INTEREST should be calculated and put in our Discover account. XX/XX/XXXX spoke with Manager, XXXX XXXX at Discover. She states that this is a horrific situation. She states that the ELECTRONIC TRANSFER TEAM can not locate the {$20000.00}. That the MONEY MOVEMENT TEAM is looking into the matter but that the money is with XXXX XXXXXXXX XXXX XXXX. XXXX states she is working on our behalf to locate the funds and that there is a MEETING SCHEDULED THIS WEEK ( she does not know when ) WITH XXXX XXXX to work to resolve this situation. Our family has been missing these funds since XX/XX/XXXX. No notification was sent to us regarding this matter until we received our quarterly statement on XX/XX/XXXX and we noticed the funds were not in our account. It is unacceptable that DISCOVER returned our funds with our notifying us and have not been able to locate our {$20000.00} for us.
Company Response:
State: MI
Zip: 497XX
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Having problems with Discover Financial Services, LLC Discover is continuing to show late payments on my XXXX and XXXX credit report. I've sent Discover two letters ( the last certified ) but they did not respond back within the statutory period to remove the late payments. As a matter of fact, Discover Financial Services, LLC NEVER responded to either of my letters dating back to XX/XX/XXXX I then filed a complaint with the CFPB and received an email from a " XXXX XXXX '' of the Executive Office of Consumer Advocacy to which I responded TWICE and never received the courtesy of a response from " XXXX XXXX '' in return. The emails are attached On XX/XX/XXXX, I received a notice from CFPB that my complaint was answered, HOWEVER, the response was not on the CFPB website and I NEVER received a letter from Discover Financial Services, LLC as indicated by CFPB Please be advised both XXXX and XXXX are reporting " No Payment History '' or " Highest Balance '' ( or any balance at all ) as the account was satisified prior to closing.
Company Response:
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
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: Please see the attached transaction history. The transactions highlighted in red were not made by me. My Discover credit card was lost, and I didn't make any of those purchases nor did I go to those stores. All of my purchases were made online, so I didn't need a physical card with me, and I didn't realize that my card was missing. I reported those transactions to Discover as soon as I found out on XX/XX/XXXX. They sent me a new card a week later. Two months went by, I called Discover on XX/XX/XXXX to check on the status, and they told me that the fraud investigation had been closed, and they did not have a reason.
Company Response:
State: TX
Zip: 75075
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Discover refuses to allow me to log on. I have to go through all verification and change password each time and when I log back in it doesn't remember and wants me to call. Discover is stealing my money.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: The following EMAIL complaint was sent to Discover Bank on! XXXX with no response. XXXX I would like to inform you about your negative customer service. Around XX/XX/XXXX I notified customer service that one of my IRA accounts was not posting any interest since XX/XX/XXXX. I received a message on XX/XX/XXXX that the problem was escalated and the interest would be posted in 2 or 3 days. On XX/XX/XXXX I faxed an IRA distribution request to close the account in XXXX because I would not be required to pay any income tax this year versus next year when my tax rate will be high. On XX/XX/XXXX I called to verify that the distribution was being processed and was told you will not process the distribution until they resolves the interest problem at a later date. I told them this is unacceptable and demanded they close the account in XXXX or I will file a complaint with CFPB. Towards the end of day XX/XX/XXXX, I received a call informing me that they will close the account and asked me to select an option for the claw-back of interest for XXXX & XXXX in the amount of {$23.00}. The options were withdrawing the funds from another account or reducing the payment payout. It is very cheap and greedy of Discover Bank to be more concerned about {$23.00} rather than the importance of distributing my funds and the inconvenience caused in addition to the value of my time spent reporting the problem and trying to get my IRA distribution processed. As a XXXX year old client I do not appreciate the stress you caused. It is amazing that Discover Bank worth billions of dollar will do anything, regardless of how it effects the client to recover a few dollars that may have lost through their own fault. I would like to know how you justify your intentional delay of distributing my IRA funds.
Company Response:
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Attached is additional information regarding the theft, fraud, impersonation, forgery, and false pretenses on my Discover Card by XXXX XXXX. Please add this to the pending complaints. I have filed many complaints and I have several pending now against Discover. The following are examples of the forgery, impersonation, and false pretenses of XXXX XXXX. Just like she did Discover. XXXX XXXX is mentioned on IRS Form 14039 Fraud Affidavit. XXXX XXXX sent me the attached application and contract to rent furniture under my company name. It was obvious sloppy fraud and XXXX dropped the claim when they saw her finger in the photo. XXXX XXXX also stole 5 XXXX from XXXX by charging to my company account. She was able to get my PIN from one of the employees. She then stole the phones from my rural mailbox. I am requesting this information from XXXX XXXX XXXX and will send later. Also attached are forged documents on two cars purchased under my name from same dealership on same day. Again it was sloppy fraud. Notice different salary amounts, her name, her phone, and her email address.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On my credit reports there is a closed account with huge amount of missed payments. DISCOVER BANK Opened XXXX. XXXX, 2016. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA DISCOVER BANK has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Company Response:
State: NY
Zip: 11210
Submitted Via: Web
Date Sent: 2021-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-31
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I, the consumer XXXX XXXX entered into a credit transaction sale in 2015 with DISCOVER CARD. I extended my credit to them by way of 15 USC 1602 using my social security number. This is a finance charge in which is the sum of all charges. DISCOVER is continuing to use abusive tactics trying to collect a debt that was already paid. I've sent three cease and desist and three Affidavits of Truth and DISCOVER refuses to stop contacting me in reference to a debt. This is also a violation of my federally protected consumer rights in which is 15 USC 1692. DISCOVER has also violated my privacy on several occasions by reporting my information to credit reporting agencies without my permission. DISCOVER has never given me an opportunity to opt out of being reported in which is in violation of 15 USC 6802. DISCOVER has caused me financial injury and has ruined my reputation in which is in violation of 15 USC 1681b. I want this harassment to stop immediately.
Company Response:
State: PA
Zip: 19114
Submitted Via: Web
Date Sent: 2021-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: A few days ago some bills did not go through so I logged into my account to see what was wrong and was greeted by a number to call. The people on the phone claimed it was a periodic review being done for many accounts due to all of the fraud taking place recently. He explained that a form would be sent to my email on file that needed to be filled in order to fix my account which will take approximately 5-7 days after the form is filled. I filled the from reluctantly, and seen that it was asking for all my IRS records from XXXX of all people ( whom was recently breached giving out over 145 million people 's full life information mind you ) in which I took care of it knowing I could legally request the information deleted after verification. My information was verified through the system and early this morning I logged into my account to pay off the balance as usual but seen no available balance, only what was due. I contacted a representative and they informed me that my account had been closed. Keep in mind I've had this account since XX/XX/2014 and have NEVER been late, always paid off the balance monthly, etc. You can not find one single issue with my account, but they said they could not verify my information? XXXX? But yet they've been accepting payments from me for 7 years. Outside of this they offered me to reapply, so basically they are destroying my credit profile for having a 7 year old account which is about to drop my credit score drastically due to the age average since I never really used many credit cards other than this one, all for no reason.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2021-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A