Date Received: 2020-12-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This problem is with a Discover credit card. I received a statement on XX/XX/2020 that WAS DUE ON XX/XX/2020 ( 4 days after the payment due date ). While this is not a problem for me since it is set for automatic payment it is well past the date that it is required to arrive. This may be the result of an error by Discover or a delay due to the U.S. postal service. I can, however, see this late delivery being a serious problem for several XXXX ( or possibly several XXXX ) people that would be charged late payment fees and additional interest for their particular credit cards. I am unsure if any part of the government can help prevent this problem from happening to others but certainly all credit card issuers should be appraised of this situation and urged to waive any additional fees and interest when this happens to others.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XX/XX/2020 Discover card was instructed by the account holder to remove me as an authorized user prior to them closing the account. Discover card for unknown reasons is failing to remove me as an authorized user. Discover has caused me to receive a drastic deduction in points and has caused me to be denied credit. Discover seems to be refusing to remove inaccurate information, they have not responded to the dispute.
Company Response:
State: MS
Zip: 391XX
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Discover failed to properly post my payment on XX/XX/2020 per the Terms provided with the payment process. Attached are screencopies of the pending payment schedule and payment Terms as provided on the online payment screen where the payment was processed. It is clear from the terms that any payment will be posted the same day so long as it was not within 3 days of a previous payment and not on the due date. A final screencopy is included to show our previous payment was well over 3 days before and from the very same bank as we have for decades used. I spoke with both an agent and then a supervisor named XXXX XXXX ( sp? ) in the XXXX office who all refused to properly post the payment instead claiming that the Terms are something other than as clearly and plainly posted online and screencopied here. They claimed there were terms for weekend days after XXXX ( one of the people ) or after XXXX ( the other one ), clearly not even providing a consistent statement of what they thought the Terms were, and obviously not at all consistent with the agreed terms for online payments. I challenged them amply and asked to file a formal complaint, but they would ONLY make a note in my account record. I am truly disgusted with this customer service and the fact that a seemingly responsible banking firm would ever operate under such slackness.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response:
State: MS
Zip: 394XX
Submitted Via: Web
Date Sent: 2020-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Ive contacted Discover regarding a late payment listed on my credit report for XX/XX/2018. It is inaccurate and they are not wanting to remove it from my credit report. I was XXXX XXXX during that time, and I am a veteran now trying to get a mortgage and they are damaging my credit worthiness. Ive asked for validation and received nothing. The representatives on the phone are very rude and no help at all and do not even care that Ive served for this country. If this is not corrected I will end the relationship with Discover immediately.
Company Response:
State: NJ
Zip: 07650
Submitted Via: Web
Date Sent: 2020-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-26
Issue: Other transaction problem
Subissue:
Consumer Complaint: I transferred XXXX to my XXXX via discover bank. The funds have gone missing as the recipient bank has not received the funds. My bank is not taking action to give me my funds back. They keep repeating that it was sent and not their fault. It has been a month and I have a significant amount of money missing.
Company Response:
State: CA
Zip: 90291
Submitted Via: Web
Date Sent: 2020-12-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Though I have previously complained ( XXXX ) about Discover cards false reporting to the credit bureaus, Discover card still failed to correct the wrong report 30 days late/delinquent for XX/XX/2019 payment. As a result, I am being discriminated through denial by other banks for simple LOC or borrowing. The latest denial cited the following report from XXXX, XXXX and XXXX : At this time, the following are key factors that adversely affected your credit score : * TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT * TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN * LEVEL OF DELINQUENCY ON ACCOUNTS * NUMBER OF ACCOUNTS WITH DELINQUENCY The only delinquency in my entire XXXX-year credit history is the only false report by Discover as illustrated by my previous complaint to CFPB XXXX. It has been over a year of this false report. Since Discover failed to produce any shred of evidence to prove their false statement that I agreed to a wrong random debit account for autopay, I request your kind help to force Discover card to correct the erroneous report to the credit bureaus immediately. I need your help to have Discover remove this immediately with the correction to the credit bureaus they can produce any evidence of a recorded message indicating that I agreed to a wrong debit account number. The truth was that an incompetent discover employee erroneously placed a wrong debit account and then the Discover people tried to cover up their negligence and incompetency by ruining my unblemished record of XXXX years.
Company Response:
State: CA
Zip: 95127
Submitted Via: Web
Date Sent: 2020-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-25
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: On XX/XX/20 my husband was scammed by phone. The caller impersonated a local law officer and convinced my husband a family member would be arrested if he did not immediately post bail in the amount of {$6500.00}. Under duress, my husband made three separate purchases of {$500.00} each of XXXX XXXX XXXX XXXX XXXX with his Discover card which I own at the XXXX IA XXXX XXXX totaling {$1500.00} on XX/XX/20 at XXXX, XXXX, and XXXX. About 30 minutes later he purchased five more XXXX XXXX XXXX XXXX XXXX of {$500.00} each of with his Discover card in a single transaction totaling {$2500.00} at the XXXX XXXX at XXXX. Still under duress and still not with substantial funds my husband proceeded to the XXXX IA XXXX and attempted to purchase XXXX XXXX XXXX XXXX XXXX of {$500.00} and the purchase was declined. I received a text from Discover notifying me of the decline allowing me to freeze my credit card - which I promptly did. Discover has refused to reverse the charges. I told Discover that I have been a customer for over 20 years and that is not normal activity for my card. As such, I should have received a text after the 2nd {$500.00} purchase. If Discover had reacted properly, I would have suffered a scammed debt of {$1000.00} versus over {$4000.00}.
Company Response:
State: IA
Zip: 502XX
Submitted Via: Web
Date Sent: 2020-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-25
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I received a letter dated XXXX XXXX from Discover stating that during a review of my credit situation my credit line was decreased from XXXX to XXXX. The balance on that card was a little over {$7000.00}, the decrease gave me a % 100 utilization on that card. I have recently started a XXXX XXXX XXXX and have had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this year. I am not receiving donations right now because my XXXX status has not been approved, I will not get a result about my IRS application until after XX/XX/2021. I have used my credit cards for the XXXX XXXX bills and my XXXX XXXX XXXX. I have also had to finance a roof this year because the one on the house was leaking. I would also like to add that I have had a % 100 on time payment for every single one of my credit cards, have never maxed out any of my cards, and usually pay off large balances. For Discover to have lowered my credit limit, giving me a % 100 utilization on this card, is an intentionally hurtful, unfair business practice designed to perpetuate the problem I am currently experiencing with my credit score which affects insurance rates, interest rates, if I have an emergency and need a loan it will not be approved. This practice needs to be stopped. A credit limit shouldn't be able to be lowered when there has been no history of irresponsible payment practices of the borrower. It should be viewed on an individual basis and then decided on review of specific circumstances. I have requested that Discover close this account as I will no longer be doing any business with a company that will intentionally hurt me. I was told that they are still going to be charging me interest. How is that fair? How is any of this fair? This is predatory. Please help me with this.
Company Response:
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2020-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Pursuant to Federal Law 15 USC 1692 G, Discover has failed to present the name and address of the original creditor after written notification.
Company Response:
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2020-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A