Date Received: 2021-01-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2020 my wallet was taken out of my purse at the Grocery store. My purse was in the child seat of the shopping cart, open as I was pulling out coupons. My back was turned while reading fine print on spices. I discovered the wallet gone when shortly thereafter when checking out. I called the 1800 discover number and told them my card was stolen. I asked that they close the account but they said I had to send them some code. I drove home from the XXXXXXXX XXXX and completed their request. I could not understand how one could have {$500.00} groceries in a cart, but was told gift cards had been purchased. Later I filed a police report and after charges came in from the Discovercard and the XXXX card, I updated the report with the XXXX Police. I was told back in XXXX by one of the store assistant managers that two thefts had occurred that day in the store on the cameras. By the time the police investigated because I did not know final total amount stolen till appeared on statement ( which I then sent copies to police ), I'm to understand they were told the video no longer existed. Over the three months, I have sent Discover the police report and answered all their letters and calls. I have been papered to death by them with papers that have fine print that I have to use a magnifying glass. Today they called and said they were not covering the fraud charges because I had shopped at the XXXX XXXX ( XXXX ) before. XXXX is not a big town and we have one big box store for each vendor, and this is the XXXX XXXX down my street. They are now saying I owe $ XXXX, and I reminded the caller that the government put a restriction on credit card fraud charges of {$50.00}. The Discovercard fraud spokesperson said that the law did not exist. Please advise.
Company Response:
State: CO
Zip: 80501
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone stole my identity and received a Discover card in XXXX. Discover initially reported it as fraud and it was removed from my credit, but in XXXX they recanted and began reporting the debt again as valid which is 3 years after the dispute period and the period for providing proof under the fair credit reporting act. I have had a XXXX XXXX from being stressed over this fraudulent account. It is reporting on my XXXX credit report. This is drastically affecting my credit.
Company Response:
State: IL
Zip: 60473
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Some companies have mentioned they didn't receive all attachments. This has to do with theft of identity, impersonation, false pretenses, credit card theft, fraud payments that allowed the credit limit to be exceeded, forgery, fraud in 2017. Cards and private information was stolen out of my office before I became aware. I am re sending to Discover, 2017 Sheriff 's Report, IRS XXXX Fraud affidavit, and information on the thief who is currently inXX/XX/XXXXin Mississippi for forgery and false pretenses.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. my information has been used to open fraudulent accounts under my name. Discover financial being one of those accounts. I contacted both the company and the credit bureaus about this issue and they refused to close and remove the account from my credit report. They also continue to try and collect the debt accumulated from this account which i do not owe.
Company Response:
State: CT
Zip: 06810
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Discover card. Not my debt, Ive disputed it multiple times and had a credit dispute agency do the same. Theyre refusing to remove the debt off of my credit report.
Company Response:
State: OH
Zip: 43068
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In XXXX, I called Discover and asked for repayment assistance on my student loan. Discover offered no repayment assistance and the customer service representative gave me false information, saying I could " pay one account at a time '' because " Discover doesn't report late payments to credit agencies. '' This false information clouded my understanding of their payment policies. On XX/XX/XXXX, after bringing my account current with a payment, I realized that my XXXX credit score decreased by 103 points, even though I've made 22 on-time payments. Discover 's zero-tolerance policy for repayment assistance and misinformation about payments and credit reporting severely damaged my credit rating.
Company Response:
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: XXXX XXXX hit me hard and my life havent been same finically I had discover credit card
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My concerns with Discover and their unfair credit reporting processes. I paid my account within 30 days ( XXXX and XX/XX/2019 ) and was reported late. The account was never late.
Company Response:
State: AL
Zip: 35226
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
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: Cardholder : ME Credit Card : DISCOVER CARD Merchant : XXXX XXXX Seller : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Disputed Amount : XXXX XXXXus XX/XX/XXXX Cardholder made on line, paid using Discover Card, reservations at XXXX XXXX XXXX XXXX XXXX in XXXX . The XX/XX/XXXX charge {$320.00}, the XX/XX/XXXX charge {$290.00} with emailed notice of payment for each received from XXXX XXXX. The Reservation was emailed from seller for each.The agreement does have a no fee cancellation policy with 14 day notice. The XXXX government in XX/XX/XXXX gave world wide notice because of the COVID-19 no air planes or passengers may land or enter XXXX in XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, on line, cardholder submitted cancellation notices to the seller, non responsive, cardholder did, on line, sent another notice to seller, non responsive. cardholder did on line, connect to sellers web site chat line, receiving this notice : " Thanks for the message. Our team is offline We will contact you back as soon as we can ". non responsive. Cardholder did call explaining to XXXX XXXX about the seller non responsive problem, was told the seller would have to start the credits and to contact seller. Cardholder did again on line submit cancellation notice non responsive. Cardholder did, on line, send another cancellation notice to seller non responsive. Cardholder did explain to Discover Card then opening disputes on the {$320.00} and the {$290.00} card charges, one for each amount on XX/XX/XXXX. The dispute for {$290.00} Discover Card resolved in cardholder favor with funds being returned. The {$320.00} dispute XXXX XXXX asked for credit voucher from seller, non responsive. XXXX XXXX then stated to Discover Card : " Please review with cardholder and provide an up dated response if they are still in disputing this transaction. Please provide signed cardholder letter stating the nature of the dispute or a completed fast track form to remedy chargeback. '' Discover Card failed to communicate with cardholder the XXXX XXXX request and did not file a completed fast track form to remedy chargeback. On XX/XX/XXXX the dispute of {$320.00} Discover Card resolved in seller favor as valid instructing cardholder to pay the {$320.00}. Discover stating to cardholder, knowing seller has always been completely non responsive regarding cardholder cancellations, " we encourage you to work with the merchant directly. '' Discover Card stated to cardholder, not having communicating with seller about the {$320.00} dispute either. XX/XX/XXXX cardholder did review with XXXX XXXX, the merchant, this dispute who stated they needed the letter asked for and would work on the chargeback. Cardholder asked if he could respond sending the letter to them. XXXX XXXX stated they can only deal with the originator of the dispute, Discover Card. XX/XX/XXXX, cardholder did send the requested XXXX XXXX information to Discover Card. XX/XX/XXXX, talked with Discover Card, they did receive the XX/XX/XXXX letter and will not do anything with it, they will not send on to XXXX XXXX in an attempt to resolve this dispute in favor of the cardholder ; they will not fill out the completed fast track form to remedy chargeback in favor of the cardholder. Then XXXX from Discover Card hung up on cardholder. Discover Card lack of follow through on XXXX XXXX requested cardholder letter which Discover Card had in hand, plus not filling out fast track form resulted in not honoring cardholder in this dispute. I was lead to believe by XXXX XXXX they were holding sellers funds, {$320.00}, ready to receive cardholder letter and form for the chargeback from Discover Card... they were never sent... and they will never be sent according to Discover Card Customer Service. Over the last 4 months cardholder has, on line, emailed 11 requests to seller regarding refund of the {$320.00} More information is available if needed. Attached PDF cardholder request for cancellation Attached PDF cardholder XX/XX/XXXX letter reiterating disputed {$320.00}
Company Response:
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: This complaint is against Discover card, I was with this company for 24 yrs until this year when I closed my account due to them insisting that I pay for unauthorized charges that were made on my account. Back in XXXX, I added my son as an authorized user on my Discover card. In XX/XX/XXXX I noticed that there were several charges that were on the account that I didn't recognize asked my authorized user they stated that they didn't make the charges. I called Discover and filed a dispute claim around XX/XX/XXXX. The billing dept. issued credit and then the case was turned over to the fraud dept and they added the charges back on the account. They refused to investigate the seven charges that I asked them to investigate. This problem went on for ten months until I called the merchants myself and investigated the charges and found out that someone else had stolen my account number and made the charges. In XX/XX/XXXX, I sent Discover a letter stating what I owed them and I paid them in full and they agreed and sent me a refund check for {$170.00}. I froze my account in XX/XX/XXXX and removed the authorized user. Discover continued to let charges post to my account after freezing the account and removing the authorized user they let this go on all the way up to XX/XX/XXXX. They informed me back in XXXX that it was because of recurring merchants I asked to please remove all recurring merchants until I can get the matter resolved with the fraud charges. They dropped the ball and continue to let fraud charges be charged to my account. I am XXXX and XXXX XXXX with XXXX XXXX XXXX and Discover has caused my XXXX XXXX XXXX XXXX in the XXXX 's. I paid them and a year later they have come back and added all of the fraud charges and want me to pay them {$720.00} I do not owe discover anything. They owe me {$240.00} from XXXX XXXX a charge that they let post to my account while it was frozen no one else could make charges to my account. I need a lawyer to sue Discover because I've filed complaints with the XXXX and the Consumer Financial Protection Bureau and Discover is determined that I'm going to pay them for something that I didn't buy or receive. I had two accounts with them one account that I had for 24yrs and the other one for about 10yrs I closed both of them and never want to hear of Discover. I am XXXX and I can no longer continue to deal with this company. I want my {$240.00} and to never hear from them again..
Company Response:
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A