Date Received: 2020-12-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I checked my credit report and noticed discover bank have placed a hard inquiry on my profile and I never applied for any type of account or credit card with them I have no knowledge of this inquiry
Company Response:
State: WI
Zip: 53212
Submitted Via: Web
Date Sent: 2020-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-24
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 placed an order on XXXX on XX/XX/2020 ( Order # XXXX, Total {$35.00} ). The order was for paper back books and XX/XX/XXXX books. The seller only sent paper back books. So I got in contact with the seller and the seller asked for my shipping address on XX/XX/XXXX then provided a fake tracking number on XX/XX/XXXX. I initiated a chargeback with my Discover credit card and contacted XXXX right away. XXXX confirmed on XX/XX/XXXX that a refund was issued to my Discover credit card on XX/XX/2020 for {$20.00}. However, I never saw the refund in my card then contacted both Discover Bank and XXXX. Per XXXX customer service representative, XXXX issued the refund on XXXX XXXX and discover bank has my money. To my surprise it that Discover bank claimed I lost the dispute even when XXXX already admitted to me twice on XXXX XXXX and XXXX XXXX that XXXX had refunded me.
Company Response:
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2020-12-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-24
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: To Whom It May Concern : This complaint concerns my credit card account with Discover Card, which became delinquent in XX/XX/XXXX. I wish to make the following points : After several letters insisting on payment, I sent my attached letter dated XX/XX/XXXX, to XXXX XXXX, Discover Card CEO. Among the issues I raised was that my income source from Social Security is exempt from judgement or similar actions under both 42 U.S. Code 407 AND Nevada Revised Statutes 21.090 ( 1 ( y ) ), etc. This was sent via Certified Mail, using Tracking # XXXX, Delivered to Agent for Final Delivery, XXXX XXXX, XXXX at XXXX XXXX.Tracking documentation is attached separately. On XX/XX/XXXX, I received the attached email from Discover Card threatening to sue me if I didnt pay by XX/XX/XXXX, which sarcastically said Were here to help. I immediately responded with the attached email to Discover Card CEO XXXX XXXX and several of his executivesthis email included the text of my ignored XX/XX/XXXX letter to Mr. XXXX, where I stated my income exemption. On XX/XX/XXXX, I received an email from XXXX on behalf of Mr. XXXX, and I replied, insisting on a response by Friday, XX/XX/XXXX. On XX/XX/XXXX Discover actual shipped Priority Mail Tracking Number : XXXX, which looking from the bottom up, initially sent to USPS on XX/XX/XXXX, but didnt actually ship an actual letter until XX/XX/XXXX ( after I sent Discover Card emails, and Discover Card ceased direct communication with me ). This was received on Monday, XX/XX/XXXX. On XX/XX/XXXX, I received via Priority Mail the attached document, which is dated XX/XX/XXXX, demanding payment by XXXX XXXX on XX/XX/XXXX. I consider this to be a legal document, so its funny that it is dated after their deadline date, and received TWO WEEKS AFTERWARD, so it is both unrealistic, and attempt to bully. I will not accept an oops excuse, because this is likely standard practice. Later on XX/XX/XXXX, after I received the Priority Mail referenced above, I received an email and the attached PDF letter from XXXX, Executive Office of Customer Advocacy at Discover Card. There are several interesting things about this letter, which serves as the official response from Discover Card CEO XXXX XXXX and his executive team : The letter is erroneously addressed to an address on XXXX XXXX XXXX, my correct address is on XXXX XXXXall prior correspondence from Discover Card, except this letter, has been correctly addressed to XXXX XXXX, since that is the address in their customer databaseIm curious why XXXX got creative and careless. There are variations of XXXX XXXX addresses in XXXX XXXX, but they dont belong to me ; such an error could cause the misdelivery of important correspondence, raising privacy issues ; The letter is addressed to XXXX XXXX. All prior correspondence from Discover Card has been addressed to XXXX XXXX XXXX. This important both for credit reporting, and because my late father lived at this address, and he had a similar but different name. Precision is missing here ; XXXX states As of XX/XX/XXXX we have taken the appropriate actions to prevent future contact regarding the status of your above referenced account. At no time have I told Discover Card to Cease & Desist, just that they must respect my rights, including my income source exemption rights under Federal and Nevada law, which I outlined in my still-ignored letter to Discover Card CEO XXXX, and they should not unduly harass me. If Discover Card wishes to completely cease contact with me in order to end their harassment of me, I welcome the relief, but this is their unilateral decision, and is not based on any kind of specific written language from me ; XXXX continues Please understand that taking this action does not relieve you from repayment obligation and may prevent us from being able to notify you of available repayment assistance or for other account servicing matters. Again, ceasing contact with me is Discover Cards unilateral decision. As to repayment assistance etc., Discover Cards TWO WRITTEN THREATS of legal action in 14 days ( especially the one dated XX/XX/XXXX demanding payment by XX/XX/XXXX ) hardly shows concern for my well being, as a XXXX XXXX XXXX XXXX XXXX defined as XXXX by both the Social Security Administration ( see attached SSA Benefits Verification Letter ), and self-identified under provisions of the Americans With Disabilities Act, 42 U.S.C. 12101 et seq. Discover Card did not respond to my email of XXXX, and only sent the second legal threat by Priority Mail on XXXX AFTER they received my emails. I believe their choice to make this XXXX individual wait in silence to receive both the Priority Mail letter and the corporate response emailed later the same day, XX/XX/XXXX, might have been an attempt to XXXX me. If so, it worked, since I slept little in the intervening 3-5 days. In conclusion, I still dont have answers to any of the following questions, which Discover Card refuses to answer : Does Discover Card still intend to sue me? Does Discover Card recognize my judgement proof income exemptions under both 42 U.S. Code 407 AND Nevada Revised Statutes 21.090 ( 1 ( y ) ), etc., which I described in my Certified Mail letter dated XX/XX/XXXX? I also have other exemption documentation that Im not including here, available upon request. Does Discover Card recognize the 6-year Statute of Limitations under Nevada Revised Statutes 11.190 ( 1 ) etc.?
Company Response:
State: NV
Zip: 89104
Submitted Via: Web
Date Sent: 2020-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I entered into an agreement with XXXX XXXX to resolve a XXXX account. The agreement was for XXXX monthly payments. On the XXXX payment, made in XXXX of XXXX, XXXX XXXX applied the payment to another account in their office, which they allege is mine. Each month when I send the XXXX payment I include a letter stating that the payment is for the XXXX account and I include the last 4 digits of the account number. I never authorized XXXX to apply the payment to anything else but the XXXX account, as agreed. I received email communication from XXXX XXXX at XXXX, on XX/XX/XXXX stating " I am looking into this and should have an answer shortly. I think I know what happened and it was through no fault of your own. I will remediate this. '' That was the last communication I received from XXXX on this issue that they clearly caused. I followed up with Attorney XXXX via email on XX/XX/XXXX and XX/XX/XXXX, with no response. I called XXXX on XX/XX/XXXX and was told Attorney XXXX was not available to discuss the issue. Additionally, XXXX has continued to send me letters stating that I am behind in my XXXX payments. I have copies of each check that they have cashed each month. I have held up my end of the agreement and continued to make the monthly payment in XX/XX/XXXX, and I will be making the last payment of the agreement in XX/XX/XXXX.
Company Response:
State: CT
Zip: 061XX
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
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: I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response:
State: MA
Zip: 02125
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My discover card with acct no XXXX was stolen and my card was swiped by unknown suspect and due to that incident my credit is ruined. My wallet was stolen on 2018 and I had talked to the customer service during XXXX or XXXX of 2018 and reported about this issue but they have not cleared this issue and reported me as charge off on the credit report.
Company Response:
State: CA
Zip: 90621
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am a consumer and Discover Bank has violated my federally protected consumer rights under 15 USC 1692, 15 USC 1681, 15 USC 6801. They have ignored my cease and desist, my affidavit of truth was never rebutted. Discover continues to abuse, use profane language, abusive phone calls and emails. Discover also is destroying my reputation as a consumer financially.
Company Response:
State: PA
Zip: 19114
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
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 previously expressed to the Discover Executive Office that the payment was too high considering the balance is cut in half. So then I proceeded to log into Discover and make a request for XXXX XXXX on XX/XX/XXXX. Never got a response to that request whatsoever. Today is XX/XX/XXXX and I logged in again to see if there was any response and there was nothing. So I clicked on message an agent and expressed the issue. My message : I sent a credit assistance request on XX/XX/XXXX ( it is still in my sent folder in the Discover messages ) and no one has replied at all. The Reply message : One of our 100 % US based customer service agents will be with you as soon as they can. Feel free to return anytime, your message history will be saved here. My Message : It looks like someone is typing. Are you there? The Reply Message : Hi, this is XXXX in XXXX XXXX XXXX, I appreciate you reaching out about this. I'm sorry to hear that you have not received a response. To make sure I best assist can you please clarify what type of assistance you are needing? My Message : the payment I can not do this month. I also realize that since I closed the account the deposit was applied to the balance so the payment minimum will be far lower next month ( 3 minutes go by ) My Message : Still there? The Reply Message : Thank you for reaching out to us! Our representatives are currently out of office. We are available Mon-Fri XXXX ET, Saturday XXXX XXXX, and Sunday XXXX ET or call us at XXXX. My messages : What happened to 24/7 customer service? I guess I will have to file a complaint with the Consumer Financial Protection Bureau since the previous agent simply ended the chat. Hello? That is extremely rude to not even respond directly! No one ever responded to me directly nor came back on the chat. First it said there is 24 hour US based customer service and then I am simply ignored after that with some generic message posted. The point of accessing the chat is because no one responded to my initial email through the discover website. NO, I can not call in so email and chats are my only option.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-22
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: Attn : Consumer Financial Protection Bureau, And as such, this serious and in written complaint is against the entity of discover financial institution reflecting a charge that was made out on XXXX, XXXX, 2020, through XXXX, and with a series of shared and verbal telephonic information in which was provided by the agent at the time of such transactional happenings. " In further, the XXXX.XXXX agent stated when asked by me, if they were affiliated with choice hotels, and her answer was yes, '' and along with other duped and fanagled doings by such agent to enrich herself firstly, and along with XXXX.XXXX in which she represents by means of imposterizms and commissionary advances un-ethetically. However, other unethical deeds was being verbally carried out by the same agent representing XXXX.XXXX to where she stated, " you'll be sent to an affiliated hotel where it's rated with a four/half-star with everything, but if for some reason when you arrive and things are not up to ideal house keeping standards across the board, then don't hesitate to reach out to us here at XXXX.XXXX and we'll make it right accordingly. '' Moreover, all such verbal releases by such agent turned out to be all for nothing as the hotel which is located in XXXX, illinois, is not a member of choice hotels, but not only that it wasn't readily prepared in a welcoming cleanse-liness etc. And these things I reported to the front desk for cleanings, refunds, removals, transfers, and along with the request for immediate and monetary refund by XXXX in which turned out to be extremely difficult to resolve at all respectable levels of mine. More broadly, I later detected a surprising and added on surcharge as a service fee amounting to {$19.00}, by XXXX.XXXX which further raised my antennas in discovery that choice hotels charges no membership fees. " In further, I called in this extra additives telephonically to XXXX.XXXX and questioned the whole matter but was given vague responses as always, and with stalled promises to hold tight, meaning be patient with us and give us time to get with management of the hotel management verbally, and we'll request for a transfer, or an immediate refund. '' " And these behaviors were the constant norm by XXXX.XXXX litany of agencies that I came in contact with repeatedly to fix all matters across the board. '' And then it became apparent that all such agents were not up to the task by any means of decency 's as they made verbal promises to wait for a manager of theirs to reach out for a resolution, with a time frame of 30, to 45, days repeatedly and as a way of purposely dettering and frustrating the entire processes. In continuation the only fees that was ever recovered was XXXX.XXXX sur-charges of {$19.00}, to this day and that's because I believed that I utilized the rightful deeds differently towards XXXX that they would be reported disputedly to discover 's entity, and along to other bodily of governmental agencies. More broadly, and differently speaking, these aforementioned has been brought to discover 's financial and credit card department for a disputed approach by means of in writings, and by means of verbal telephonic communications. However, discover has treated my sincere reports with means of irrespectives, disdains, no compunctions, unfairities, and the approach-ful means of the repeated castings of aspersions, and in further, favoring every generic, sub-par and un-user-friendly documents in a heinous and with the acts of intentional and definitive favors reelingly towards XXXX. " Furthermore, they discover personnels have given me a hopeful outliers from the onset, and by furtherly saying, they'll push my matter up to their last leg, such as their in house arbitration board 's, but not only that they've constantly informed me that all the while when XXXX.XXXX ... Has provided their entity with documents to support their XXXX.XXXX ... claims that they reservations.com, once again, claims were not valid enough to support XXXX, claims, and so, we're denying them being XXXX. '' And these verbal exchanges were relayed to me telephonically, and as well as in written responses to me in which supports a disputed amount of {$430.00}, deed-fully. Progressively speaking, I've escalated the matter countlessly to discovers executives that represents discover financial entity as advocates but I don't feel like anything concerning my matters of importances will be met with a fair resolution as XXXX has showered me with convoluted-ness and otherly litany of misleading information on this newly matter, as well as otherly ongoing matters as I've shared indifferently speaking etc. Advancingly speaking, this is what many consumers and oversight governmental agencies would undoubtedly deem as no fair care for the the little consumer or consumers for that effect, and an approach of disgraceful handlings atrociously, and the sweeping of the smaller consumer matters under the rugs while favoring XXXX, matters unconditionally ... " And most recently a discover supervisor has made a symbolicly and shared verbal claims, that XXXX is one of their big companies that they have to treat with all fairness as well on XXXX2020, between XXXX, EST. '' Furthermore, these developments easily can be painted as ethical fallacies, rationale fallacies, and further definitive means as gravalicious nepotism 's at best which in further is deeply non-de-minimis supporting means of grossly negligence of major and disturbing culpabilities undoubtedly speaking etc. " Furthertively speaking, XXXX has now sent me two thicked and lengthy paperwork to where they XXXX are stating that all their options has now been exhausted to further support my disputes, and that it's best that I autonomously reach out to the agent to work and settle whatever disputes. '' This is what I've been saying all along that discover is a culpable and grossly, and sickening unfair entity that favors a multi-million-dollar chain to further enrich their indecent entity etc. In addition, such paperwork that has been sent to my well-being, is not one where it's user-friendly in a fair readable manner for me to rightfully rebuttal XXXX.XXXX, imposter advances, and I reproachably criticized XXXX for making such extremely poor disadvantages to me to challenge XXXX, alibis furtherly speaking. And why is it that such a enriched entity of XXXX would conduct themselves in such purposeful and disturbing negligence etc? In my finalization now, I'm requesting for a litany and justful investigation to be launched against discover credit card entity, and for this information to be shared with all bodily and governmental agencies, especially my states attorney general 's office, as I feel that discover is not an entity that can be trusted in any fair ways to begin with in general. Therefore, a justification of well warranted justices with steep penalties should be followed by means of disciplinary and actionable 's of enforcements, given the nature if these troubling acts as it further has no place in this financial and institutional marketplace. Please note : I am requesting for the two thickness of XXXX XXXX to be shared with the CFPB, in which was sent to me twice, and please, no alterations or tampering to such paperworks ... That way the CFPB, and otherly oversight agencies can see what was sent to me disadvantagely as a mean to deter my way of challenging respectfully etc. And it's only discover 's front page cover and in which is the same lettery page that was made readable only with discover 's underlying and cold calculated instructionary dismissive-ness. Also, they're XXXX photos attached to further validate my shared chronicles.
Company Response:
State: IL
Zip: 60613
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I requested a new card almost a week ago and selected the overnight option so I could get the replacement. It is still not here. Discover needs to fix this process.
Company Response:
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A