Date Received: 2023-10-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: The credit card/banking companies involved are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This/These companies rec 'd payments to properly pay the account ( s ) in the name of " XXXX XXXX XXXX '' XXXX Despite this/these tendered payment ( s ), said company ( ies ) refused to accept the same, without cause, and, it is believed that they did not return the payment ( s ) to the issuing agent, and simply deposited these monies into its/their general fund without properly crediting said account ( s ). This/These companies then continued to send threatening billing notices, and made constant collection calls requesting payment ( s ). Despite my efforts to properly resolve any confusion, said companies have refused to obey the law, and continued to illegally request payment.
Company Response:
State: PA
Zip: 19121
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
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: I disputed a charge on my credit card because the service I received was not adequate. Specifically, I had some dress pants dry cleaned and when I received my items back, they were damaged. The dry cleaner offered to dry clean them a second time but that wouldn't repair my damaged pants. As such, I placed a dispute with my credit card company. After nearly 2.5 months after I filed my dispute, Discover, the credit card company found the transaction to be valid and closed the dispute. However, I did not dispute that I had engaged in the transaction. I disputed the quality of the service I received. Moreover, I was never contacted by Discover to provide any additional information or details on the dispute before they closed the dispute. Finally, in the resolution email I received from Discover, they stated the following : Please contact the merchant or manufacturer directly for questions about : Inconveniences Disagreements with the merchant 's stated policy Rebates/Reimbursement requests Manufacturer 's warranty Promotional offers Incidental damages related to the purchase Unrecognized in-person Chip transactions None of the above applies to me and I could have told the disputes agent such if they had made contact with me.
Company Response:
State: IL
Zip: 60639
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My account was suspended by discover a year ago. I had {$1200.00} in my account at that time. Discover only sent me a closing check of {$200.00}. I tried to contact them over the past year for the rest {$1000.00} but they either did not respond to my request or claimed they sent the check but the check never arrived. Discover is a thief!
Company Response:
State: WA
Zip: 98109
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have already provided the necessary documents for identity theft as well as proven the information has multiple inconsistencies across each credit bureau and requested that the validity of the accounts be properly verified. All parties have failed to provide me that proof. I have also found a publication on the IRS website in which the IRS defines a charge off as gross income ( Section 61 ( a ) ( 12 ) of the Internal Revenue Code specifically includes income from discharge of indebtedness as gross income. ) INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting inaccurate and fraudulent!
Company Response:
State: GA
Zip: 30033
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Problem with a company's investigation into an existing issue
Subissue: Was not notified of investigation status or results
Consumer Complaint: COMPLAINT ID XXXX According to the feedback from the complainant, the deadline is XX/XX/XXXX. As I have not yet received a response from DISCOVER, I would like to reiterate my complaint regarding the actions of such a credit card company Dear Sir and Madam, as CFPB has conveyed my complaint against DISCOVER, DISCOVER has informed me and will inform me of the investigation results of credit card fee fraud. I haven't received a response from DISCOVER yet. However, I received a message from CFPB requesting me to provide feedback before XX/XX/XXXX. It has been over two months now, and I still have to file a serious complaint against DISCOVER 's customer billing policy because it harms the interests and rights of customers. Because it was precisely due to the intervention of CFBP in XXXX that this incident had the possibility of being resolved. Since XX/XX/XXXX, I have had multiple controversies with DISCOVER regarding their charging policy. From email correspondence with them to letter correspondence, to writing to XXXX XXXX XXXX XXXX at DISCOVER CARD CORPORE HEAD OFFICE HEADQUARTERS, and then complaining to State of CALIFORNIA DEPARTMENT of FINANCIAL PROTOCTION AND INNOVATION CONSUMER COMPANIENT ( XXXX XXXXXXXX ), all have not been resolved. Finally, it was CFBP 's intervention that led to the outcome of my appeal. It is also due to the intervention of CFPB that DISCOVER has responded to the handling of this case. Finally sent me the adjusted bill on XX/XX/XXXX. However, this bill came too late because I still have to complain about DISCOVER 's policy of harming customers. And requested an apology statement from DISCOVER, as well as a subsidy for the postage and time lost. 1. Regarding three controversial customers : XXXX XXXX XXXX XXXX XXXX XXXX {$11.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$39.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$14.00} Total expenses : {$66.00} XXXX. DISCOVER has an unfriendly policy towards customers : from the beginning, DISVOCER handled billing issues on the grounds of customers defaulting on debts and not paying. Therefore, they first investigate what bad records the customer has to prove the legality of DISCOVER charging fees to the customer. In fact, DISCOVER knows that this is a legitimate and fraudulent automatic charging system used by merchants and sellers in the financial system. I can not assert that DISCOVER has any improper connections with merchants and sellers, but when customers raise objections or disputes about the fees charged by merchants and sellers, DISCOVER should temporarily retain the disputed fees and initiate a fraud investigation, rather than directly placing the disputed fees in the customer 's payment form and adding fees such as delay and interest. They have reason to trust merchants and sellers, and I don't express any opinions, but their lack of trust in customers is unreasonab3. Due to the inadequate working methods of DISCOVER employees, it has damaged the reputation of customers and weakened their trust in DISCOVER. Contributed to the development of credit fraud incidents. Why? Since XXXX last year, I have been raising this unreasonable issue with DISCOVER. After multiple negotiations with DISCOVER, I wrote to them on XX/XX/XXXX requesting the closure of my account. DISCOVER closed my account on XX/XX/XXXX, but before the closure on XX/XX/XXXX, XXXX merchants and sellers demanded that I pay {$55.00}. XXXX XXXX XXXX XXXX XXXX ) When I disputed the fee and wrote a letter to the merchant and seller using the address provided by DISCOVER and CERTIFIED MAIL, SUPS found that there was no address for this company! However, DISCOVER has been sending me payment reminders for about a year, which I can not bear. 4. The way DISCOVER treats previous customers can also affect other customers. In fact, when a customer files a complaint, DISCOVER should handle it promptly and the customer will not file an appeal. However, in DISCOVER 's policy, some employees use this policy as an excuse to conduct fraudulent investigations against customers, which undermines their rights and emotions. Shouldn't DISCOVER be responsible for this? DISCOVER should be responsible for my losses! Sincerely!
Company Response:
State: CA
Zip: 92612
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX shares my information and shared my password in XXXX. Now someone has been charging a credit card to my account for {$7100.00}
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I'm currently being sued by Discover Card through XXXX XXXX XXXX, XXXX in XXXX, XXXX XXXX system. This debt they are trying to collect on is a very old debt from at least 10 years ago. It's past the statute of limitations to try to collect on this debt. I never received a phone call from any collection agency on this matter.
Company Response:
State: NJ
Zip: 07621
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
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: I had made several big purchases from XXXX XXXX totalling around $ XXXX. I did not receive these items. I tried numerous times to dispute it directly with XXXX and they refused to refund me despite not receiving my items. I went ahead and opened a dispute with discover and they ended up closing the dispute not in my favor and reposted the charges to my account. I do not believe I should have to pay for items I never received.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I called Discover Card customer service today ( XX/XX/2023 ) and was advised I could not re-allocate my excess over the minimum payment to the Balance Transfer that is expiring on XX/XX/2023. The regular purchase balance at APR 28.24 % would have to be paid in full before I could pay the Balance Transfer at APR 4.99 % that is expiring on XX/XX/2023 The effect is that customers who fail to pay off regular purchases will have zero APR or low APR balances convert to regular purchases at a higher APR ( example, 28.24 % ). Discover Card 's policy to not allow cardmembers to reallocate excess payments is doing more harm by causing some cardmembers to not pay off balance transfers before the expiration date.
Company Response:
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed unauthorized inquiries on my credit report that I would like removed.
Company Response:
State: GA
Zip: 31419
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A