Date Received: 2020-12-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had an account with Discover that had been closed for many years but still had a balance that I was paying every month. Then in XX/XX/2020 I received a statement for a balance of XXXX and I paid it in full on XX/XX/XXXX. In XX/XX/2020 I checked my credit through XXXX, the bureau that my bank uses and it showed that my credit score had gone down because Discover had reported me as delinguent for not paying. I called Discover and spoke with a person who gave me her name as XXXX. She took the extra charges off and when I asked her if they would get with the credit bureau and take the false information off she checked with her supervisor and said they couldn't do that and I would have to call the credit bureau myself. I then called XXXX and after quite a while I was connected to a person who said I would have to file a dispute with XXXX. None of this is my fault. I paid Discover in full the amount they said I owed on the statement and that should have been the end of it since the account had been closed for years. I have worked long and hard for my credit score and don't appreciate this.
Company Response:
State: TX
Zip: 77339
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-16
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Discovercard has sent a letter threatening legal action with a deadline to respond to the threat of legal action. The deadline to respond is several days previous to the date the letter was generated, ( the letter shows the date it was generated ) and sent to myself via Priority Mail. I did not recieved the letter in the mail until 2 full weeks past the deadline in which they are threatening legal action against me. So I could have never responded to their deadline in the time they specify to avoid their legal action, and furthermore they generated the letter to inform me of legal action against me after a certain date, and literally didn't even create the letter and/or inform me of the deadline until after the deadline was already past.
Company Response:
State: TX
Zip: 77539
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-16
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: To Whom It May Concern : And as such, this complaint is in regards to and against the entity of discover credit card Services for deceptive advances for which was carried out against me on numerous occasions. Moreover, in the first week of XXXX of 2020, a litany of misleading and deeply convoluted information was relayed to me, surrounding the usages of cash advances by a slew of various female representatives in which caused serious mistrust against the representatives that showered me with unethical doings as well as against discover credit card entity in general. In further, I was so concerned and was never compelled with such questionable information that I called into discover calling center to get meaningful answers in hopes satisfyingly and at such time I came in contact with a manager lady after repeated call-ins ... With this being on XXXX, XXXX, 2020, and after explaining my displeasures given the many generic and related porous information to where I advised this manager that I'm trending towards closing out my account due to the many, and extremely poor customer servicing across the board etc. In turn, this manager responded to me by saying, " I can offer you a one year 0 %, APR, starting today, that way you'll stay with us. '' I then asked her if such deeds includes the same for balance transfers, and she stated no. '' However, I was still on my current 0 %, APR, which carried an 18, month period subsequently speaking. Furthermore, I had no interest charged to my account from the previous months until in XXXX, and through XXXX of 2020, which flatly defeats the acts and purposes of such manager 's doings stemming from XXXX, XXXX, 2020, and in which is inane at best, and counter-productive as many would say undoubtedly speaking. So, after detecting this reckless and comical doings ... I immediately raised these concerns to discover representative and was told that, " it's an XX/XX/2020, dispute for {$89.00}, for XXXX XXXX XXXX, that I had reported as fraudulent charges responsively. '' More broadly, I was further told by discover 's fraud team that XXXX XXXX XXXX, had refunded the monetary charges, and then was also told and blamed by means of the castings of aspersions surrounding a charge that I had not authorized knowingly, as I had filed a separate complaint to such hotel corporates office with a strong reproachable deed in their survey as well regarding their system charging me after I had long checked out, but yet I was charged for an additional day recklessly. This happenings I reported immediately to discover 's fraud personnel 's and was told that, " they'd immediately closed my previous account ending in # : XXXX, and then was told that I'll be receiving a new card ending in # : XXXX in a few days as a result. '' In further, these executions by discover 's card services was often penalized against me, by again, means of the castings of aspersions dismissively and even to this day from a XXXX, who represents discover 's corporate executive office who apparently works as an advocate. More broadly speaking, I've never checked my statements because I'm one that's seriously meticulous whenever it comes to the handling of my finances and moreover, never had a reason to as I was still ongoingly on a 0 %, APR, but discover credit card services repeatedly and advancingly had mysterious and inconceivable agendas all along, and furthertively gave me misguided informations surrounding these matters of interest charges, and along with repeated convoluted deeds supporting these chronicles representing my account as a whole in general. Furthermore, and roughly three weeks ago, when I finally and officially realized that my dollar amount was decreased after having a balance of {$1700.00}, as a pay-off, I received a text for the first time to check my account transaction, and this led me to the realization that discover was inconceivably taking advantage of me by the chargings of underlying interest 's in which further supports a predator type approach, but not only that it also supports the sickening deeds of ethical fallacies, rationale fallacies, extortionate doings, and the additional deeds of major monkey businesses across the board. Progressively speaking, this troubling business conduct easily could or can be deemed as verbal trickeries abusively, which further supports non-de-minimis approaches. In essence, these acts that has been committed by Discover Credit Card Services, are nothing but phony and advancingly business conducts in which I whole-heartedly believe without bias or prejudice supporting the notions that other consumers has been dealt these blows underlyingly speaking. Additionally, I will fight discover in court if I have to especially knowing that I've made countless reports regarding the many reported and badly misguided informations that has reared its ugly head continuously to this day etc. And even more, these reports supports otherly times un-biasly speaking to where most of their representative concurred in support of my sincere reports in my displeasing feedbacks from otherly representatives that displayed a wash-fulls of incomplete, and bias information disturbingly, but not only that roughly three weeks ago ... " A female representative put me on hold three times and then came back saying, this makes no sense as I'm not seeing anything that would validate any interest charges on your account. '' In addition, this same female representative alerted her supervisor that also deemed the matter similarly, and then stated for her to transfer me to their fraud department with an incoming male representative at such time that stated he can not assist me, and further stated that he only assist for fraud situations, '' and with this extension being all for naught non-resourcefully. Furthertively speaking, I was forced to escalate the matter independently due to the many failures differently speaking, and then came in contact with a XXXX as mentioned aforementionly that gave me further questionable deeds on XX/XX/2020, and when she called in on such day, XXXX appeared as if she didn't know how to relay the terrible fallacies to support her unethical so called findings as I had to help her out to get started on her alleged and furthertives of reckless and deranged, and toxicated fallacies to further support her entity 's alibis etc. And such actions by XXXX was met with rightful reproachable deeds of mine with the strong notion that everything that was relayed to me, would be challenged at every lawyerly levels, and with aided and governmental alliances. In my closing out now, I'm urging for the CFPB, to share this complaint to other body of government that has oversight mechanisms, and in further, I would like for fines to be levied vigorously, as well as otherly rightful justice 's against discover credit card services as this entity deserves no slaps on the wrist, nor one that deserves a place in the banking and lending marketplace given their definitive acts of snares dangerously, and mean spiritedly. Please note : I've attached six statement documents showcasing beyond from XXXX, and XXXX, as once again, my valid point showcases sincere deeds as they were no interest charges beyond those months before, and the same should be upheld forwardly speaking with the extended 0 %, APR, that was verbally granted given in early XXXX from a female manager. Therefore, XXXX 's, and others within her organization findings are flat out categorically full of underlying deceptivities at best etc. Again it's counter-productive, and defeats their collective doings inanely and across the board. Make it right discover entity or else face the consequences, and severe repercussions rightfully.
Company Response:
State: IL
Zip: 60613
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: You third class Discover bank. This is my first complaint against Discover credit card on CFPB, so how come I reported the transactions mutiple times as disputed? Stop showing the credit card as Disputed.
Company Response:
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-16
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 called the CFPB a few times and unfortunately must file this complaint. I called Discover the night I saw on the front of my phone the outrageous charge of XXXX and went in shock. I don't do fancy stuff for myself, and went to this spa, and this woman said it would be XXXX dollars. She charged me another XXXX or so for some XXXX pads, and I tipped her cash another XXXX dollars as well. She writes a receipt on an old fashioned pad and gives me a copy. She put some papers in a bag. She rented a room out of a doctors office and canceled on me numerous of times. The invoice was all scribbled on and had a row of numbers at the top. Nevertheless, Discover reused to acknowledge this was fraud, and filed it as inaccurate. They reverse the charge back to my card, and I contact them. I upload the receipt to them and spend all day on a Saturdays trying to email the receipt, finally I get it to them by way of the XXXX store 's fax. I call to confirm on Monday, and I am told after being told on Saturday if I get them the invoice, they will happily just come to a resolution and can see this was not right. The woman re-wrote her receipt and made the transaction of it instead of being XXXX to XXXX and I proved she inflated this whole transaction. The invoice numbers were forwarded too, and she backdated the new receipt. Discover still after speaking with a new person the following Monday decides to renege on their word immediately! I then was angry and decided I can't trust this company at all, and had to close my account. This has impacted my credit. Today, I also receive a personal loan for XXXX dollars as a courtesy, but Discover decides to block me from calling them on any of their numbers because I insisted on asking for their legal department, asking for their terms and conditions in which they refused to give, asking for a supervisor to call me back in which never did, asking for a formal complaint, and they refused to give me the headquarters address as well. Discover is full of fraud themselves and is not showing any transparency themselves. I have left a message on their attorneys line and this sparked an outrage from yesterday! I have worked in superior court many years and have filed thousands of documents and know exactly how to navigate a system. Their completely out of control. The more I called the more I found out they would just leave me on hold and never come back on the line. This is brutal and I have plenty of years of credit cards to know there is something seriously wrong.
Company Response:
State: CA
Zip: 93307
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX, Discover promised me an ACH payment of {$1300.00} for permanent credits on my account, as well as disputes found in my favor. Several agents including a manager told me the amount had been approved and sent for processing. This went on for three weeks. On the last possible day I was told it would've taken for the payment to show up in my bank account ( XX/XX/XXXX ), I noticed the money still wasn't there, so I called them to find out what was going on and they told me they canceled the payment and I would not be receiving that money. A supervisor called me later in the evening after I had requested to speak to a supervisor. I reminded her that all phone calls are monitored and recorded and I wanted her to listen to each and every one that took place since XX/XX/XXXX. Her response was that regardless of what was said to me and how many people said it, they would still not be send me payment. She also stated that the amount was never approved, even though I was told otherwise, by again several agents, and again on a recorded line. They duped me, and at XXXX time. They dangled my own money right in front of me for three weeks, then took it away a week before XXXX. The money belonged to me. Again, they were based on permanent credits I had on my account, as well as disputes found in my favor. This was why I was told I was receiving the money in the first place. Any balance I had on my account was irrelevant. In regards to that, I was told they could still send me payment for the credits, but that my card balance would just become higher. Furthermore, my balance was not due for more than a month after the reimbursement was requested. Just thought I'd bring that subject up, since the supervisor from XX/XX/XXXX told me there's no way they can send money to me for credits if there's a balance on the account. If that were the case, then why would A, three agents and a manager tell me otherwise and process my request, B, others approve the request, and C, two checks for over {$300.00} be sent to me for the same exact thing, even though there was a balance on my account?!?? Discover is nothing but a bunch of underhanded, deceitful crooks. Based on previous complaints with the CFPB that I have filed in the past, I know that your agency doesn't take the action they need to against financial institutions evenafter they've clearly violated consumer protection laws, and your agency is just about as useless as the XXXX. Worthless and hardly worth even a XXXX that is taken out of taxpayers ' dollars just to keep you in business. It's a joke. Which is why I am filing a lawsuit against Discover. I only filed this complaint to have what Discover did to me on record with what appears to be the only government agency regarding complaints about financial institutions.. and just in case one day you start doing your job and actually do something to help resolve an issue where clearly the business wronged the consumer ... Fat chance I know.
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account with transunion ( XXXX XXXX XXXX ) and derogatory account with XXXX ( discover financial services XXXX ) is false and misleading my credit report. Youve sent me only bank statements as proof of validation. That is not legal proof that is stated in the FCRA. Also you sent me a envelope with you logo on it which is a {$1000.00} fine. An because your attempting to collect a debt that is against the law. Also stated in 15 USC 1681b you can not file a consumer report unless you have a written order from the courts, also should be accordance with the written instructions of the consumer to whom it relates. Stated in 15 USC, reports should not contain information solely as to transactions or experiences between the consumer and the person making the report. Also you sending me a letter with your logo on it will result is a fine from $ XXXX {$1000.00}. Thats three offenses. The congress also stated that any authorization or approval of a specific extension of credit directly or indirectly should be excluded from your report. Also during your investigation did you conduct personal interviews with any of my neighbors and family or associates? A consumer has right to privacy so since your reporting this information its infringement against my privacy. 15 USC 1692b states that no debt collector can state that I owe any debt. Thats a {$1000.00} fine.
Company Response:
State: TX
Zip: 76002
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have signed up for text and push notification when theres a balance in the summer. I had a medical issue in XXXX and did get a chance to use my computer to check my emails. I expected the company to send me a text notification as a form of communication when theres a balance in my account because they offer that option on their end. I did not receive that as a form of communication for a balance I accumulated since XXXX. I also thought the automatic payment went through because I put extra cash in my checking account in preparation for my medical leave. I know Id have enough to cover for the payment. Because I did not receive any text and push notification, I assumed my account was in good standing. It turned out that it wasnt. I was made aware when I found out Discover reported a late payment to the credit bureaus when I checked my credit score. If Discover offered that option to receive text notification to consumer, they should follow through. There was a glitch with the app that I did not received any push notifications either. I spoke with Discover on XX/XX/2020 and they admitted they never sent me the texts. They were firm that they sent me emails and push notifications. However, the push notifications does not show properly in the app as well. It appears unfair that the consumer was given an option to be notified through text, and that did not happen. Discover can not assume that responsibility on the consumer when the consumer requires and requests other forms of communication, in this case - through texts when its available, in different circumstances. If Discover offers that option in the first place, they should honor that.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. This account was opened up fraudulently.
Company Response:
State: NY
Zip: 11717
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On my 3 Credit reports from, XXXX, XXXX, and XXXX there are 2 closed ( charged off ) accounts that I believe were opened fraudulently in XX/XX/2016 by Discover bank, and also in XX/XX/2016 by XXXX XXXX. I know these were not opened by me because I was still in high school and didn't know about credit until my recent years. I've spent the past year disputing these accounts as fraudulent and haven't had any response from either creditor. These fraudulent negative accounts are stopping me from proceeding to my next steps in life and are hurting my credit score very bad, I would appreciate any help I could get. Thank you.
Company Response:
State: NY
Zip: 10452
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A