Date Received: 2021-01-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: i have a discover credit card which i was on time my all payments but because of when i was sick and i ask my mother to look for my bills whenever i am getting by us post mail i never received mails almost 3 months and because of change of address they report late on my report please help me to resolve im trying to buy a house its not letting me go through
Company Response:
State: CA
Zip: 91104
Submitted Via: Web
Date Sent: 2021-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-09
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: I contacted Discover Bank regarding my personal loan ending in XXXX which I had any issues before on regarding changing my due date. My pay schedule from my employer had changed and I needed to change my draft to the XXXX th of the month. I gave them advance notice however i was notified this would not go into effect until XX/XX/2021. I paid a partial payment and my credit card which is current and set up payment arrangements for the remaining balance on XX/XX/2021. Discover personal loans then which is a separate consumer product and has a separate disclosure sent to customer has absolutely nothing to do with my credit card which was established years before I even requested a personal loan. When I called customer service to inquire why was there a hold on credit card from the personal loan department I got the run around saying it was company policy. I asked the representative where is that in the consumer disclosure issued to consumers that other products or services would be disrupted or not available even if they are current. The representative couldnt find any ounce of documentation disclosed to the consumer that had this information. I was on hold for a while and even reviewed my personal loan agreement which does not state explicitly anything where if suitable payments or payment arrangements are set even on accounts in current status services would be altered. I am not sure how a financial institution is allowed to alter services from an entirely different consumer service or product that were not established at the same time or year that do not have the same payment or fees together. This is in violation of the fair debt collection act
Company Response:
State: NC
Zip: 28213
Submitted Via: Web
Date Sent: 2021-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, I successfully filed for chapter XXXX bankruptcy on XX/XX/2020. I did It is now XX/XX/XXXX and I am still receiving derogatory remarks on my credit report from credit companies stating that " You have one or more accounts showing missed payments or derogatory indicators. '' and " You have a serious delinquency or derogatory indicator. ''
Company Response:
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2021-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2020 I went to make an online payment for my credit card at Discover. I had put {$150.00} to cover the late fee I owed, the monthly fee I owed, and a little bit extra so that my account wouldn't go into the negatives. Later that day I had chatted with an agent about the status of my payment because it was pending, and I had never had a payment pending before. The agent went on to inform me that my payment hadn't gone through and that I should be more than happy to place a new payment for myself. I said I would like that very much, she let me know the payment went through and I should see a statement for {$150.00} on my account in a couple minutes. A few hours had passed by and it still said it was pending, and my bank account still had the {$150.00} sitting there with no pending transactions. I called to check on the status of my payment again and a new agent let me know that the payment would go through at the end of the day around midnight, and not to worry. I asked her if it was just one payment because I had made two payments thus far, but let her know one of them had failed. She let me know that the one that failed would not be going through, and that only one payment of {$150.00} would be going into my Discover account. The next day I checked my Discover account to see if the payment went through and saw that {$300.00} was paid off and my Discover account went from {$530.00} to {$300.00}. I knew this was wrong because the account should've read {$380.00}, then I looked at my recent activity tab and saw that there were two payments of {$150.00} totaling a payment made of {$300.00}. I had assumed that this was a technical error on behalf of the Discover app, and that within a couple days it would correct itself and show it was only one payment of {$150.00}. I had continued to make a couple purchases on my account, but made sure I didn't go over {$150.00}, by the end of the month I had spent a total of {$78.00}. When I looked at my statement it showed that I went into the negatives and my account read {$530.00} with and available credit of - {$37.00}, when at the beginning of my XXXX payment it had said available credit of {$150.00}. With these numbers, that means I should've still had an available credit of {$79.00}, but I was in the negatives. That means {$110.00} just went missing because it is nowhere on my recent activity, there was no overdraft fee for that amount, there was no return fee for that amount, and there was no other spendings I made apart from the {$79.00}. I logged onto Discover yesterday to make my minimum payment of {$35.00}, and when I went to do so it let me know that my debit routing number was removed off my Discover account, and that I would have to fill it out again. I filled it out, everything was correct, and then it told me that the routing number could not be connected to my Discover account at the time and to contact my financial provider. I then called my bank, XX/XX/XXXX, to ask if there was any reason why my routing number wouldn't be able to connect to my Discover account, and they let me know that there was nothing that would restrict that. While I was on the call I asked what XX/XX/XXXX return fee policy was, and it is no more than {$30.00}. Once I got in contact with a Discover agent I let them know that I was having troubles placing my debit card onto their website to make my minimum payment for that month, and after a few ridiculous questions they finally told me it was because I made a return fee. That's why my routing number could not be linked to Discover. I then called XXXX back to see when the return fee was place on my account, and why I didn't see in my transactions on the app, that's when they informed me that there was never a second payment made through my XX/XX/XXXX account so there was no way there could have even been a return payment of {$150.00}. After getting off the phone with XX/XX/XXXX I contacted Discover once more asking why there was missing money from my account and they continued to insist that I must've done something with that money orXX/XX/XXXX. Anytime I would start saying the words " lied '', " fraud '', or " unappreciated '' they would send me to another agent and I would have to start the conversation all over again. I have screenshots of some of the conversations I had with the agents if the CFPB needs more evidence of what was going on. Even after I insisted that the missing money from my account was not a fee charge, they just kept telling me there was nothing that they could do about the money. I was very frustrated, none of my questions were getting answered, I kept getting blamed by Discover, and I still have no idea where my money went from my Discover account. I just want answers, and I feel like I am being played for a fool by this company. I don't have any way to add my routing number to the account to pay my minimum payment of {$35.00} this month, and that is due on XX/XX/XXXX. I just want to get to the bottom of all this, and I want to know why money mysteriously disappeared from my Discover account and I am back in the negatives even though I shouldn't be. In the last two screenshots I attached it shows how there is only one charge of {$150.00} on my account and now second charge or return charge.
Company Response:
State: TX
Zip: 78702
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I XXXX XXXX entered into a consumer transaction with Discover. There was a Finance Charge included in this transaction. Discover violated my consumer rights by coercing me into making cash payments when the Finance Charge is the sum of all charges. Discover did not disclose my right to rescind. This is a violation of my Federal Consumer Rights.
Company Response:
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a home equity loan with Discover Home Loans. Originally I applied concurrent with a refinance ( from another lender ) of my first mortgage. Discover had told me it was appropriate to apply concurrently, however, I was later informed that I would have to reapply after the refinance closed ( which was imminent when I was informed ). When I reapplied, Discover informed me that the value of my home had decreased from approximately {$1.00} XXXX ( per Discover appraisal in XX/XX/2020 ) to {$950000.00} ( Discover appraisal in XXXX ). I filed a dispute but no action was taken to properly resolve this issue.
Company Response:
State: CA
Zip: 91107
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I checked my credit on XX/XX/XXXX at XXXX EST and noticed the following erroneous inquiries listed on my credit that I did not authorize XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Discover Bank XX/XX/XXXX
Company Response:
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2020 and XXXX 2020 I paid my bill per usual earlier than the due date. Unbeknownst to me the payment showed up as late, which is impossible. I never received any notifications saying that the payment didn't go through. I have made several attempts to rectify this issue with my provider to no avail. This has caused me higher interest rates on a recent loan, and problems trying to finalize my mortgage. I take great pride in my perfect credit and payment history. This mistake is hurting my credit.
Company Response:
State: FL
Zip: 33021
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-07
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: XX/XX/XXXX Consumer Financial Protection Bureau Re : This complaint is about harmful transactions on my credit report for 2 transactions. Companies involved : XXXX, XXXX and Discover *** I had my cash flow impacted due to COVID-19, and I had to use my credit cards to pay for necessary expenses to survive. XXXX must not make excuse of this utilization, because I have been paying regularly to my cards and still maintained a score of XXXX ***My score dropped very low on XX/XX/XXXX when XXXX placed all RED marks on my report and closed the account and said dispute is complete. Further, all my efforts to resolve the issue with XXXX, XXXX and Discover of the harmful entries in my credit did not work. All my request to get loan got denied due to this*** Following are the transactions with XXXX adversely impacting my credit : 1> XXXX Credit Card ( I have filed complaint against XXXX separately with another company ) 2> Discover Credit Card 1. XXXX credit card - Negative Impact on my credit and lowered my score very low form XXXX to XXXX impacting my day to day life with declined of loan request from several lenders I have been trying to communicate with XXXX and explained to them in detail and impact on my daily life, but there is not any support at all. I learned about this XXXX collection approximately 2 weeks ago i.e. 2nd week of XX/XX/XXXX. I had been scammed by a company when I was looking for help in my business in XXXX XXXX. I gave my XXXX card number but never received any product or services from this scam company. From the very next day I learned and I been fighting and sent support documents to XXXX. But this bank did not honor the right thing that is to " not to credit the scam ''. I spent several hours and days trying and requesting XXXX to make correction, but the bank did not correct. I was already hurt with the uncontrollable situations in my business, and I did not want to use XXXX card again. I told their dispute department that their action is not polite and I stopped using the card form this point. With the hit of COVID-19, my cash flow impacted and I had no choice and used my other credit cards to pay for necessities. During this time the lenders did hard pull on my credit and told me that I have collection on my account. I got several of my request of loan from lender denied, because of the collection. XXXX never sent any letter or anything about this collection, no communication at all. I checked my credit account after the email on XX/XX/XXXX of dispute completed with XXXX and was shocked to see further score dropped to XXXX due to collection and closing of XXXX account. This dispute I filed with XXXX soon after 2 week of XX/XX/XXXX. XXXX closed the dispute saying is resolved. And XXXX put all RED mark my report and dropped my score extremely low. I called since very day XX/XX/XXXX few times, but got absolutely no help. I called XXXX as well ; they said " call XXXX '', and XXXX say " call XXXX ''. But I am as the end consumer suffering with their ignorance. 2. Discover Credit card Negative impact on my report, lowered score XXXX further has inaccurate information on Discover card in my account. I had moved and did not receive my Discover Bill and some very important mail i.e. trade mark registration form XXXX. Because USPS mail forwarding did not forward all my mail. When I realized that I dont have Discover credit statement, I actually called to find out and paid the balance over the phone immediately. But Discover reported it negatively. All my efforts to not to cause harm to my credit, they did not resolve. Further. regardless of my all attempt to communicate with XXXX, they did not correct it. It still shows late. Even last night I called and requested but Discover said " it is XXXX, they need to correct it not us, we cant do anything ''. At the end I am suffering. I need your help to have XXXX correct the transactions. The further detail is in the attached screen shot captured from the credit account. Thank you
Company Response:
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-07
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: There is an on-going issue with Discover Bank, where I am not able to manage/access my checking and savings account with this bank. Each time I attempt to perform any banking transactions, my account is locked/frozen/blocked from me accessing it, which lead to having to call Discover Bank customer service and waiting for an agent. Recently, this account was frozen for 21 days and was unlocked on XX/XX/21, with the excuses given that suspicious activity was the cause of my account being frozen. As of XX/XX/21, after attempting to use XXXX, my account was locked out yet again, which I had to call customer service to speak with a fraud specialist. XXXX verified information on my bank card and then informed me that she had unlocked my account. She suggested that I log-in again while she went to do research on my account. While she had me on hold, the account was locked out yet again, just for me actually logging in to the account. XXXX said she would create/open a case in regards to this issue, because she didn't see anything wrong that would prevent me from accessing the account, that everything was good, but yet, I wasn't able to log in. She suggested that I wait until the following day to try to log in again, after the case had cleared their systems. She placed me on hold for a few minutes to check my log-in history and then came back on the line to tell me that someone in Virginia state had attempted to log-in to my account multiple times. She suggested that I change my password and possibly have my account ( s ) reissued, but I needed to wait the 24 hour period to reset my password first, to see if that would solve the issue. This problem of my account being locked out/frozen/blocked access has been going on for a very long time and it's getting to be a big annoyance, especially when I have to wait on hold to get to an agent and then get to an agent and then have to listen to the same story of no one really knowing what's happening with this account. This is a headache that has caused a great deal of emotional stress, that Discover Bank doesn't seem to actually care about, being that they haven't fixed this issue.
Company Response:
State: GA
Zip: 304XX
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A