Date Received: 2021-01-06
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: Re-open complaint XXXX. CFPB has marked this as a duplicate. IT IS NOT A DUPLICATE. I have two Discover accounts. One ending in XXXX. One ending in XXXX. Both have the same issue. I have the complaint opened on each of them so that both cards are addressed and not just one of them. If I only had one complaint, it would only get resolved for the one account and not the other. There is a ligament reason for having to complaints open and I wish that the CFPB would have reviewed these complaints more closely and they would have noticed that they were DIFFERENT ACCOUNTS and not a duplicate.
Company Response:
State: MN
Zip: 55128
Submitted Via: Web
Date Sent: 2021-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-06
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: To Whom It May Concern, There are fraudulent charges on my Discover account and Discover refuses to remove the charges. I filed a police report attached is the conclusion that I was a victim of Fraud ( XXXX letter attached ) The charges are in another state ( Connecticut ) and I am a resident of New York. I did not make these charges and none of these are mine. I am requesting that these amounts be removed as I have a near perfect credit and this is impacting my financial health. I am requesting assistance in this matter as Discover Bank is being extremely dismissive of my situation and will not resolve the matter.
Company Response:
State: NY
Zip: 113XX
Submitted Via: Web
Date Sent: 2021-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Per Consumer Financial Protect Bureau Section 1026.56, Requirements for over-the-limit transactions for Discover Card ending in XXXX ; permission was never requested from Discover nor given to allow for the over-the-limit-fraudulent transactions. In addition, Discover did not have methods in place to prevent the multiple fraudulent payments that allowed continuing purchase that allowed the credit limit to be exceeded for purposes of theft. Hopefully Discover is now protecting their clients from thieves. Moreover, a proper investigation didnt include the methods of payment used to make the fraudulent payments. Discover states they will not share this information or do not have. This is America. Any information can not be withheld from the consumer if the consumer will then be held responsible. The theft resulted in account being closed, charged off, and then exceeded my ability to make a lump sum payment, and prevented me from continuing payments per my original and signed agreement. Thus my account is not accurate nor being reported accurately per requirements of the FCRA. Discover did not follow Section 1026.56 of Consumer Financial Protection Bureau.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I checked my credit report recently and saw inquiries that I did not authorize.
Company Response:
State: NJ
Zip: 08085
Submitted Via: Web
Date Sent: 2021-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-06
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: XXXX I made an order for XXXX from XXXX XXXX, Order never arrived so I processed to file a claim with XXXX XXXX, company never got back to me so I did the next reasonable step and filed a dispute with the Discover. Discover says because XXXX XXXX has showed " proof '' that the item was delivered means that I have the item in my hands. That's ridiculous, I even told Discover that I filed a police report for the items I never got because I believe they must of gotten stolen but yet they still think I have them because XXXX XXXX shows that it was delivered, no signature, nothing. The tracking only says that " it was left out front '' how can the delivery company leave XXXX $ worth of items sitting out front. I live in a very bad part of town so the fact that they would do that just baffles me. Disputes number XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX a payment was made to Discover Card for my credit card using my XXXX XXXX XXXX Checking Account. This payment came back returned on XX/XX/XXXX and had not left my checking account. I called discover that day and was informed that the payment was returned and the reason was unknown and I should contact the bank. I then reached out to my bank who informed me that no payment attempt had been made and there was no record of it and to contact the merchant discover card for more information. I reached back out to discover card on the same day and continued to try get answers but could not get an answer other then to reach out to my bank again. By this point discover had already reported to my credit report that my payment was late damaging my score and causing a late payment mark and higher balance on my credit report. After lots of back and forth on the same day I made the payment again this time using a different checking account and asked discover to remove the negative information from my credit report as this was an issue between discover and the banks and not my fault as I had made my payment on time in the XXXX. They said that no one was able to do that and there was nothing I could do to fix it.
Company Response:
State: TX
Zip: 781XX
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have tried for months to get discover to charge back a {$6900.00}. I have supplied them with all the evidence I have that proves I did not authorize the use of my credit card. The merchant sent them a copy of a receipt that shows alterations to the original receipt, I have provided them with the REAL receipt but they still refuse my dispute>
Company Response:
State: OR
Zip: 97128
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-04
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: XXXX XXXX XXXX, XXXX XX/XX/2020 Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX Dear CFPB : I used my Discover card to make a payment to a property manager to cover the rent for a friend who was subletting an apartment. XXXX XX/XX/2020, I paid {$2000.00} to XXXX XXXX XXXX using the logon information given to my friend by the current leaser of the apartment. I did not share my credit card information with anyone else except directly with the XXXX web site, a third-party entity that merely processes the transaction, as required to make the payment. Apparently, the current leaser then logged on to the clickpay site ( the site that the property manager asks tenants to use to pay their rent ) to confirm that the payment was made. The leaser claims that he made an additional {$5000.00} payment using my credit card information which was saved by Clickpay by accident. He logged on the following day, XX/XX/XXXX and made another payment to his account with my credit card and has no explanation how or why that happened. I had my Discover card in my possession the whole time and never lost control of my card. I discovered this on XX/XX/XXXX and called XXXX to alert them of. these two {$5000.00} charges that I clearly and obviously never authorized. It is self-evident that the first transaction of {$2000.00} was one that I personally made with my card and at that time, and it is clear that charge was authorized. It is just as self-evident, that the second two transactions, for {$5000.00} were NOT transactions that were in any way authorized. They attempted to reverse the transactions but said that they could not. They assured me that if I call Discover that they should be able to reverse the charges. XXXX also removed all of my credit card information from their system immediately. I did not intend nor was I aware that my card information had been saved in their system. I called Discover and spoke to the fraud protection department and explained the situation and reported the unauthorized charges as fraud. They issued a temporary credit for the {$10000.00} charges ( plus the service fees that were charged by XXXX ) and began an investigation. A few days later I discovered that my friend was never given the signed sublease agreement which was promised to be given to him as soon as the {$2000.00} payment had been made, I then called Discover and. told them to add the {$2000.00} payment to the charges that were. being disputed and reported as fraudulent as the agreed upon sublease was never delivered as agreed it would be after the payment had been made. I called XXXXXXXX XXXX XXXX to discuss with them the fraudulent nature of the payments that were made. Despite numerous calls to. their main number I was only able to get voicemail. I left the details of what happened on several voicemails. I never got a call back from XXXX. I began the process of filing a police report and communicated with the chief of the XXXX division of the XXXX, XXXX XXXX, who put in touch with one of his detectives. His detective spoke by phone and i. gave him a summary of what occurred. He was scheduled to meet me that day so he could take my report. This was around XX/XX/XXXX, and the protests had begun after the death of XXXX XXXX. The detective was not able to meet. me. at the arranged time and I did not reschedule, as it seemed like the XXXX had their hands full dealing with the protests. In addition to reporting these charges to Discover fraud protection and having the three charges disputed I also cancelled my Discover account and opened a new account with a new card and new account number. I received letters later from Discover indicating that they never got verification from the. merchant ( XXXX XXXX ) and that my temporary credits would become permanent and the case closed. Everything was apparently settled until midXXXX when i noticed that my balance to Discover had increased by over {$20000.00} with no explanation from Discover. I called and was told that the merchant Icon had finally responded to the written request Discover had sent them asking if the charges were legitimate or not. The response indicated that they were legitimate. Discover had no further information about the charges, what they were for or why they were legitimate despite my clearly indicating they were not. They sent me nothing in writing to demonstrate the legitimacy of these charges. When I referenced their fraud protection program that the customer is responsible for {$0.00} for any unauthorized charges, they claim that because I provided the credit card information that was necessary to make the initial payment of {$2000.00} to clickpay, that any subsequent charges were considered a billing error and not a fraudulent charge. This seemed preposterous and not in accordance with their fraud protection policy. The additional charges of {$5000.00} and {$5000.00} were absolutely not authorized by me and in no way reflect a billing error. They could not explain why this occurred after I had already been told the credits were permanent ( over 90 days after the charges were made ). They were reminded that the law limits the customers responsibility as long as the customer has the physical card in their possession when the disputed charges were made ( which was the case ). They were not able to adequately explain why the charges put back on my card were in excess of {$20000.00} when the disputed charges were only {$12000.00}. They offered to submit an appeal which would take 30 to 60 days. This discussion took place around XX/XX/XXXX. Discover has left all the charges o my account ( currently at {$25000.00} ) and has not communicated with me at all about the repeal. Several calls I made to get an update were not returned, no one was available to speak with me at the times I called. This situation has negatively impacted my credit score and my ability to refinance my mortgage. I submitted in writing another request to Discover about a week ago to update me about the appeal, but they have not responded. I am asking the CFPB to intervene in this matter. I ask to learn how Discover can possibly claim that their fraud protection policy does not cover my substantial losses when I indicated to them 2 days after the charges were made that they were fraudulent, unauthorized charges and that I had my card in my possession. I ask that you compel, by whatever means at your disposal, Discover Bank to remedy the situation by crediting my account for all charges that were put on my account due to these fraudulent transactions. In addition, I ask that you consider adding additional regulations to ensure that no other American is forced to suffer the stress and trauma that I have been forced to endure while STILL not finding a resolution. If I, as a customer of 34 years who has spent over {$100000.00} in just the past 12 months, have been bullied as I have been by this company, I can not imagine what a customer with fewer years of loyalty under their belt is treated. As a XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX and XXXX XXXX, I know all too well the terrible toll that such maltreatment and bullying can cause. Thank you very much. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
Company Response:
State: NY
Zip: 10011
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XX/XX/2021 : Tried to call in a payment on my discover card but their automated system refused to acknowledge me responding " MAKE A PAYMENT '' despite the fact that my discover card statement clearly states, " For a faster, easier way to pay ... [ phone symbol ] XXXX '' The first time I called, their representative hung up on me and that was 14 minutes wasted. The second time I called it took me 18 minutes for the representative to accept my payment and he would ONLY accept it as a " third-party. '' I made a {$9400.00} payment last month and I am trying so hard to give them more money this month but they want you to jump through a million hoops like a dog. I gave them my name, address, phone number, social security number and last four digits of my account number. They REFUSED to explain why their automated system will not begin the by-phone payment process when you are clearly stating " MAKE A PAYMENT. '' Their automated system has been an ongoing problem for over a year. PLEASE help stop their excessively oppressive and laborious and tyrannical mistreatment of customers who are trying to give them money. Thank you for any help with this awful company.
Company Response:
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-04
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I applied for a secured Discover card & was approved w a {$1000.00} deposit. The {$1000.00} deposit was debited from my checking account by Discover card on XXXX. After issuing my card and accepting the deposit, Discover requested authorization to verify income w the IRS. The IRS is behind on processing my returns fro XXXX, a correction was needed & XXXX has not been processed. therefore my income could not be verified & Discover closed my account. I have been waiting for the deposit refund for 2 months now and no one has contacted me w any information regarding my refund. Furthermore, by opening & closing my account- my credit has been negatively affected.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A