Date Received: 2020-12-21
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Discover Card Services closed my account due to inactivity. My inactivity was due to the covid-19 virus pandemic that has been up-ending the economic wealth of the US. My card was paid off in XXXX when I received the stimulus check from the federal government. Since then I have been collecting Unemployment and trying to stay afloat by not using credit cards as frequent or at all. Discover decided, without notice ( as outlined in their user agreement ) to close my account that was only inactive for 8 - 9 months due to the pandemic. The fun part of this, is that their card was the longest line of credit that I had. With them closing the account due to 'inactivity ' ( which they never disclosed a timeline of how inactive it has to be before it is up for review ) it is now going to destroy my credit score since I have only had this card for almost 7 years. My payments were always on time and I had the card paid off. Now my score will drop significantly and cause more financial stress and burden because of the pandemic. I called Discover to try and reopen my account, and with further arguments boiling all I was told was " You can reapply for a new account '' - to which I replied " no, that will hurt my credit, just like you all closing my account. '' The simple act of closing an account, that was not late or past due, during a pandemic ONLY hurts the consumer. My financial situation is going to be worse off because of this, and with student loans interest rates that I have to pay off - Discover is out here doing the the WORST thing for you. They do not care about you as a consumer. I write this to hopefully help people realize that Discover is the worst credit card company and will only hurt your credit score more than you realize. God forbid you're in the middle of a pandemic and trying to be financially smart so that you can eat/go to the doctor. Whoever is reading this, please help me. Help bring an end to such an evil company that is out there destroying the lives of good people in the middle of really rough time.
Company Response:
State: NJ
Zip: 08854
Submitted Via: Web
Date Sent: 2020-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-21
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 purchased an air soft gun through XXXX on XX/XX/XXXX, the gun was defective when i did receive it weeks later, I emailed seller on XX/XX/XXXX. I have tried resolving this with Discover since seller wouldn't respond. XXXX states they will not investigate since I filed complaint with Discover 1st since XXXX could not be reached. The seller refuses to respond to XXXX as well and quit responding to me XX/XX/XXXX. Discover charged back the card without notification and/or allowing me to supply my documents for this dispute. This is and was a defective airgun. XXXX only offered {$50.00} inconvenience credit then {$100.00} on XX/XX/XXXX. I advised XXXX rep XXXX, on XX/XX/XXXX I want my entire {$150.00} and she stated since Discover charged back the amt they have the final say and refuse to investigate AT ALL since my bank investigated. You can see where XXXX emailed the seller and NEVER ONCE RESPONDED. I advised them i would return the product but dont feel I should pay for shipping since they sent me the product defective. They didn't respond after that XXXX XXXX XXXX. Dispute Case ID : XXXX Transaction Amount : {$150.00} USD Dispute Amount : {$150.00} USD Transaction ID : XXXX Transaction Date : XX/XX/XXXX XXXX
Company Response:
State: CO
Zip: 80916
Submitted Via: Web
Date Sent: 2020-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-21
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 contacted discover and filed a dispute in the amount {$750.00} for an attorney XXXX XXXX XXXX who charged my card, I was told by the attorney, I had to leave a credit card on file to retain his services. The attorney and I had a verbal agreement, I would pay all his fee 's in cash and the card would not be charged. Behind my back the card was charged. When I became aware the card was charged, I immediately contacted the attorney and informed him he was terminated for a number of reasons. I informed him, he was not authorized to charge my card in which he already had done, I told him I was disputing the charge for {$750.00} with Discover. After contacting Discover and filing the dispute with discover and providing a lot documentation to support my claim from the California XXXX XXXX showing that the attorney did not do the job he was hired for and was terminated by me. My compliant was considered valid and picked up by the California State Bar as well the Attorney Client Mediation and Arbitration Services based on fraudulent billing practices and charges and a few other laws the attorney broke. Discover has twice refund the disputed charge back to my account after numerous calls and asking to escalated to up management, Recently Discover added the charged back to my account without reason and told me the dispute was closed and settled in arbitration without my knowledge. I reached out to Discover and was transferred to the executive team I spoke with XXXX XXXX Executive Office of Customer Advocacy explained everything to him and sent him the documentation he requested proving my claim. In less than a week I was contacted XXXX XXXX from the Executive Office of Customer Advocacy and told my case was closed and discover felt the charge was valid based on what information the attorney provided and the attorney was the only that could give me a refund. I explain to them that was not true, and I read their full disclosure provided by discover and he was not following protocols and a new investigation show be opened a requested by myself. Discover has lied and has refused to handle my dispute properly. I transferred around to many different departments and told I will receive a call back that did not happened. When I request to speak with upper management, I am hung up on and nowhere in the Discovers disclosure does it state I have a limited number of times I can dispute an invalid charge nor does it explain about they arbitrate without my consent on my behalf. Today I have an over charge on my credit card limit and discover should honor my dispute and truly help resolve the issue with the false charge from the attorney.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Ive tried numerous times to settle this debt which is due to identity theft and I also reach out to DISCOVER to inform them about this fraudulent account that was open up without my permission or consent by a friend of mines that were living with me at the time when this account was open BACK in XXXX so at this point Ive tried to reach a common ground with this company Nobody has taken this into consideration again this is not my account I never open an account with DISCOVER a and I had no knowledge of this account at all I will not keep repeating myself I will be taking other steps and at this point I WILL BE FILLING A LAWSUIT ON THIS COMPANY YOU WILL HEAR FROM MY LAWYER SOON
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: DOSCOVER IS FRAUDULENTLY REPORTING THAT MY ACCOUNT IS OPEN AND LATE. THIS ACCOUNT IS CLOSED AND WAS SETTLED OVER 4 YEARS AGO. HOW CAN I BE LATE MAKING A PAYMENT WHEN THE ACCOUNT IS CLOSED AND WHERE IS IT LEGAL TO REPORT TO XXXX XXXX XXXX XXXX WHEN THE ACCOUNT IS CLOSED. THERE NOWAY I COULD BE LATE. DISCOVERED REPORTED XX/XX/2020 THAT IAM LATE ON A CLOSED ACCOUNT. THIS IS ILLEGAL
Company Response:
State: NY
Zip: 10473
Submitted Via: Web
Date Sent: 2020-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-19
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: On XX/XX/XXXX an account with Discover Bank was a opened. There was a final payment made on XX/XX/XXXX and the account was later charged off. According to the XXXX of California, which is the state I reside in, the statute of limitation for reporting charge offs is 4 years. This account is well past the 4 years the law allows to continue reporting to credit bureaus.
Company Response:
State: CA
Zip: 90241
Submitted Via: Web
Date Sent: 2020-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-20
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: XXXX XXXX XXXX - I reached out to DISCOVER as per their request to have me to close my account if I was not going to provide them with permission to access my tax filings. Neither credit cards has ever been late and my credit score is within the barometer of the Exceptional payment history. Discover has requested that through a 3rd party which is XX/XX/XXXX that they receive access to a XXXXXX/XX/XXXX.. Which allows then all pages of the tax return which I believe is in breach of the privacy policy on many levels and not limited to discrimination. The access to said information on the XXXXXX/XX/XXXX allows for Discover and XX/XX/XXXXto receive every page of the tax filing which can include dependent information along with dependent school ( s ) - assets and many other things .... that should not be made public to a company that has already experienced a major breach. Discover has great customer service - however the protocol is for each one for them to follow. Discover is using XX/XX/XXXXand there is no way to know whatXX/XX/XXXX is doing with the information obtained .. In addition to have provided XX/XX/XXXX with other sensitive information through Discover request approx. 2 years ago ( PHOTO ID AND SS CARD ) identifying documents which can compromise my credit and identity if mishandled. XX/XX/XXXX has gathered and stored copies of the documents and could have created a model to discriminate on information received. The government issued photo identification and the social security number and a form for the SS administration to verify said documents. XX/XX/XXXX holds this information and uses it as debt collectors use information ( this is an attempt to collect a debt and any information will be used for that purpose ). Although they are not collecting XX/XX/XXXX uses all the information collected as they choose. If access is not granted, Discover will close the account which has a negative affect on the credit rating that I have built in my adult life. The world knows how important CREDIT RATING is and payment history .... These actions will have a catastrophic affect and effect on my credit rating. I am including this information below as I have completed research on the parent company and the privacy policy with the Dept. of Justice XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( XXXX ) Discover Financial XXXX XXXXpresent ). Each of the above association received tax payer funded bail out money and the latest update was on XXXX XXXX link provided. XX/XX/XXXXlist As a taxpayer and an American citizen ... ..this process that XX/XX/XXXXand Discover have entered is indecent. Discover may report certain information monthly to each credit agency however it is not the information that a full tax filing would consist. in addition there can be no guarantees that XX/XX/XXXX can and will protect said information as they have failed in he past. Has Discover requested XXXXXX/XX/XXXX from .... senators, house speakers, mayors, governors, government employees, doctors, lawyers, CEOs of fortune 500 companies, etc.
Company Response:
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-18
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: The Problem that I have been having with this company is that I have been trying to solve a mistake that they made while reporting on my credit report a late payment when Im sure that I made that payment and Have sent the proof on this letters attachments, Ive tried to solve this with them already but when I called them, they say there is no late payment in their system. Furthermore, they will not fix anything for me even though they admitted I am not late, and this has affected me on my mortgage putting me on escrow, just to think about the fact that this could have been solved by just putting a small effort and fixing their mistakes makes me feel bad because I would not be in the situation that they basically put me in. If this continues to be an issue and they do not tend to resolve their mistake I will feel no more than obligated to file a sue against Discover since they refused to fix a mistake that they did, and it brought serious consequences against me.
Company Response:
State: CA
Zip: 93203
Submitted Via: Web
Date Sent: 2020-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-18
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Hello iam the owner of XXXX XXXX XXXX open one cheking accout whit DISCOVER BANK i am recive a loan from te XXXX and deposit in the accoun of the discover bank the bank star to supplie alot of documet social numer adress one of the emolyes tell way iam make a accuont becuse i am not speek good iam servicies in th XXXX XXXX for 12 years for defend my coutry the lady toda tell my i net waite 60 day befor take may money bank for send my money back this money is frond he US govermment is a loand for pay years 30 days I net my money Back ASAP
Company Response:
State: PR
Zip: 00728
Submitted Via: Web
Date Sent: 2020-12-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-18
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Cant redeem the rewards cash into my bank account. But the same account is there to make the payment When I called discover at around XXXX XXXX to XXXX XXXX central timeafter a wait of 13+ minutes XXXX told me that I need to first make a minimum payment from that bank account to this credit card then only I will be able to redeem to this bank account. I told her that this card is at least 5+ yrs old and I am using the same bank account for around XXXX years so whats the problem all of a sudden? Have you sent any communication or card member agreement or FYI to the customer regarding this issue? Her answer customer will call us in case of any issue This is ridiculous. This discover was providing chat in the past new messaging system is ridiculous. They have taken away secure message center also Day by day Discovers standards are going down. And more over I have two credit cards with discover I have always used the same bank account with the other card which was more active. XXXX told me that we can do it over the phonewhen I wanted to do it over the phoneshe said I need to first pay the minimum balance first in order to redeem it. During this pandemic - this credit card company is treating the customer so badly. For this - this discover is getting XXXX XXXX customer satisfaction rewards or they are just bribing them to get this reward.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A