Date Received: 2020-12-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Im very frustrated and confused as to why I still have inaccurate late payments being shown on my Discover Card. I disputed these inaccurate late payments so many times. Im about to get married, and start a family with my wife. But I dont have my own home. I want to buy my first home so badly. But these late payments are really hurting it and preventing me from qualifying for a home. I really, really, REALLY like being a Discover customer but I wish they would put the effort into looking into my concerns about the inaccuracies on my credit report. I want these late payments updated to current and paid as agreed. I called XXXX on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called XXXX on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called XXXX on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I mailed out letters to XXXX, XXXX, and XXXX on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 This account is inaccurate because - XXXX states 30 days late on XX/XX/XXXX but XXXX and XXXX state OK - XXXX and XXXX are reporting correctly. - XXXX and XXXX states 30 days late on XX/XX/XXXX but XXXX states OK - XXXX is reporting correctly. - I disputed these late payments multiple times, by law if I dispute an account it should state so in the Comments and it doesnt. This is a VIOLATION!
Company Response:
State: MD
Zip: 21113
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: Good evening : The company Discover Card closed by account that has a credit limit of {$7900.00}, without notifying me in advance. The account had a XXXX balance, and I have been a member of Discover from 2014. I was informed that my account was closed due to lack of activity. I am currently paying a Discover Loan, which is current. This sudden closing of my account during Covid, without any notice is cold hearted and without merit. I owe Discover no money on my credit card account and I paid down my Discover Personal Loan of {$30000.00}, down to approximately {$10000.00}. I am a XXXX American Male and I feel Discover 's action as basic XXXX!!! I am asking you to contact Discover Card and ask them to justify the action of closing my account. The closing of my account will be detrimental to my credit rating, because it will lower my available credit, which will hurt my credit rating. My name is XXXX XXXX XXXX and my Discover Card # is XXXX XXXX XXXX XXXX. I requesting that you contact Discover card and ask them to justify its action concerning closing my credit card account. It is disgusting that Discover is closing my account when Covid is killing XXXX Americans at a record rate. It Covid doesn't kill us off then credit card companies like Discover will help finish us off! Furthermore, please advise what legal actions I can do against Discover Card due to its outrageous action. I also, wish to know if Congress ' Covid Relief Bill restricted how credit card companies can close accounts without cause during Covid? Thank you for your forthcoming consideration of my requests stated above. Sincerely, XXXX XXXX XXXX
Company Response:
State: VI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In XX/XX/2019 DISCOVER Financial SER added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, DISCOVER Financial SER has violated my rights as a consumer And Im requesting legal action to remove these inquiries.
Company Response:
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Discover Bank, by and through its counsel, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX, AZ XXXX, sued me for a credit card debt in which I did not owe under alleged account stated and breach of contract, and a judgment was issued against me for {$6600.00} ( XXXX Justice Court Case XXXX, filed XX/XX/XXXX ) on XX/XX/XXXX. I appealed the decision of the XXXX Justice Court to the appellate court ( Superior Court Case XXXX XXXX ). On XX/XX/XXXX, the appellate court ruled in my favor stating Discover Bank was not in standing to sue. The appellate judge found Discover Bank to be in violation of several state laws under Title 6 because it lacked the required state and/or national licensing and permits to legally engage in the business of banking in the state of Arizona. Wherefore, the judgment against me was reversed and vacated by the appellate court on XX/XX/XXXX. The appellate court stated that Discover Bank was in violation of A.R.S. 6-201, 6-217, 6-322 ( A ) because it is not licensed through the Arizona Department of Insurance and Financial Institutions ( or as a National Banking Association ) to legally engaged in the business of banking in the state of Arizona, which included, but not limited to, opening an account for, extending credit to, me as well as trying to collect on an alleged debt. Inasmuch, it has since been verified that Discover Bank is in violation of A.R.S. 6-391, unauthorized conduct of banking business and false representation, by eng aging in the business of banking in the state of Arizona by the use of the word " bank '' in its corporate name because it does not maintain a banking or branch office as defined A.R.S. 6-330, and pursuant to A.R.S. 6-391, it is unlawful for Discover Bank to engage in this state in the bank business as defined by A.R.S. XXXX. Therefore, I am filing an official complaint against Discover Bank AND its counsel, The XXXX XXXX XXXX XXXX, based on the following : 1. Slander, libel, defamation of character, and harassment ; 2. Violations of A.R.S. 6-201, 6-217, 6-322 ( A ), A.R.S. 6-330 and A.R.S. 6-391 ; 3. Participating in fraudulent schemes and artifices pursuant to A.R.S. 13-2310 ; 4. Illegal control of an enterprise and/or illegally conduction an enterprise pursuant to A.R.S. 13-2312. 5. Deliberate indifference because Discover Bank, by and through its counsel, The XXXX XXXX XXXX XXXX, displayed a conscious, reckless and blatant disregard of the consequences of it actions and omission by pursuing debt collection activities against me knowing full and will it was in violation of several Arizona law under Title 6 and Title 13 and causing harm and knowing its actions would cause harm against me would result. 6. I am not the only victim! How many people has Discover Bank illegally sued and fraudulent acquired judgments against consumers in violation of Arizona law!
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
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 made an online automotive part purchase with XXXX XXXX, XXXX. on XX/XX/2020 in the amount of {$26.00} and on XX/XX/2020, I called to see why I have not received the item I paid for and the represenative said that the warehouse made a mistake and that that particular item was " not '' in stock, ( even though it listed as being " in stock '' ), when I purchased it. ( they sent me another part that I did not order ). I ordered a idle air control valve connector ( pigtail ), they sent me a " Light Connector '' The company " has not '' made any credits to my credit card ( discover card ), for the amount in question. So I called Discover Card to dispute the amount ( charge ), but all I got was rude, uncaring, indifferent employees who have done nothing to credit my account for non delivery of item that I purchased online. I know as a consumer I have the " right '' to dispute a charge for a product and or service that is not as advertised, or is malfunctioned, fraud, etc. I also have the right to get either a refund, or a credit ( not a store credit ), issued to the original method of payment when I have proven my claim. Discover card has some very rude employees and should be fired. I don't see how discover card is still in business considering the way I was talked to/treated on the phone on XX/XX/2020. If they talk to all good paying discover card customers the way I was, then they should close up shop.
Company Response:
State: MS
Zip: 394XX
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/20 and again on XX/XX/20, I was barred access to my Discover Banking account. When I called customer service on the XXXX of XXXX and actually got to a representative, I was transferred to the Fraud department. Apparently, the action of adding an external bank account, to transfer money into my account, triggered a flag on my account and then locked me out. XXXX, the fraud specialist I spoke with claimed she didn't see anything that caused the lock-out of my account, but she did what was necessary to get my account back to me being able to access the account. On XX/XX/20, I again had to call customer service because my account was locked out, I had no access. The first representative I spoke with, while putting me on hold, she made the sly comment that I had done something fraudulent before she actually placed me on hold. When I got to the next representative, he asked had I attempted to use XXXX. I told him that I attempted to set that feature up and then my account was logged out. I asked him why that happened, he didn't tell me. I requested to speak with a manager. A spoke harshly with a Mr. XXXX in regards to the issues surrounding why my account keeps getting locked out and his only excuse was to tell me that Discover has certain security features in place. I asked him why did these security features keep locking me out of my account and that I felt that I was being singled-out by something that was possibly placed in my account and I wanted to know what, being that my account gets locked out on a regular basis. He wouldn't tell me the reasons why my account was locked out and I basically requested that if they couldn't tell me the reasons why this constantly happens, then I needed to close out my account because I couldn't trust them with my money, being that I'm not able to fully access my account. His only excuse was that Discover has protocols and security features in place and he couldn't guarantee what causes their systems to lock a person out. I stated that I've never had the issues with any other bank, that I have with Discover and again he wanted to tell me about their security features, but tell me the exact reason why my account was locked out again. I requested that he have someone from Discover 's escalations department give me a call so I could determine what to do in regards to this account. After I had spent an hour and 42 minutes on the line, my account was still locked out and I had no answers as to why this issue keeps happening. Mr. XXXX placed me on hold to supposedly go unlock my account, but an hour after, the account is still locked and I have no answers. As I stated to Mr. XXXX and others that I spoke with on the phone, regardless of what I do with this account, I get locked out. I've been locked out for adding an external bank, I've been locked out for logging into my account from my mobile device, I've been locked out because I tried to set up recurring deposits. These are things that have locked my account that doesn't happen at other banks. Mr. XXXX could only repeat his spill about Discover 's security features. This has happened multiple times and someone needs to investigate why Discover allows this to happen without an explanation. Because of Discover 's actions of locking me out of my account, I've experienced a loss of money ( because XXXX wasn't set-up on the account to accept the money ), I've suffered emotional issues because representatives have made me feel like I've done something wrong, when I haven't.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have attempted to have the Discover Credit Card account removed from my XXXX and XXXX credit profile several times now, with no success ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). However, this is a fraudulent account. I have submitted a copy of the original police report regarding this account to both XXXX, XXXX, and Discover, but is disregarded in its entirety ; by each company. Further, the fraud and/or identity theft is still being investigated by the XXXX County Police Department ( NY ). I would like to have this item removed from my credit profile completely. Prior to this instance, an auto loan, not opened by me, appeared on my credit profile. XXXX and XXXX were able to correct this issue, but not the current one with Discover. Also, Discover has sent me a letter acknowledging that the account is considered invalid. Why the account remains on my profile remains a mystery to me.
Company Response:
State: NY
Zip: 11003
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XX/XX/2019 Discover Card alerted me to fraudulent activity on my card, closed the card, and sent me a new card. A service company that I was using at that time had their charge for {$95.00} denied because of the closed card. I updated my payment with the service company providing them a different Credit Card for payment. A few weeks later in XX/XX/2019 I cancelled my service with that service company, following the service company 's cancellation policy to call in and speak with a sales person. I did that and was told my service had been cancelled. Unfortunately that company proved to be dishonest and sent their people to my home which I refused explaining that I had cancelled service. In XX/XX/2019 I placed a second call and once again was transferred to a sales person who once again assured me that my service was cancelled. The company continued to send people to my home and I refused them each time and threatened to sue them for fraud and harassment if they did not stop. Over six ( 6 ) months after the original Discover Card account was closed, Discover Card allowed two separate charges by the service company to be approved and show up on my new account, which I never provided to the service company. I contacted Discover Card and disputed the charges. The service company only responded to one of the disputes claiming that we had a contract and Discover Card refused to reverse the charge. I spoke with three ( 3 ) different people all of whom refused to credit back the charge stating it was a recurring charge which I disputed. I submitted proof to Discover Card after they declined the charge from the service company in XX/XX/2019 that I provided the service company a different Credit Card for payment. Discover Card still refused to remove the charge from my account. I asked them how many times they denied charges to that account from the service provider from XX/XX/2019 through XX/XX/2019 and they refused to provide that information. After more than 15 years of being a loyal customer, paying off my balance every month, and never missing a payment, I closed my account with Discover Card and refuse to pay for the fraudulent charge. Discover Card has applied late payment fees to my closed account for the fraudulent charge that they allowed and is submitting non-payment notices to the Credit Bureaus attempting to harm my 800+ credit rating.
Company Response:
State: OH
Zip: 43065
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I made a XXXX payment to pay off my discover card and Discover has locked the card for 10 days
Company Response:
State: FL
Zip: 33157
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-13
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/2020 I purchased some long term shelf life food from XXXX. This was done under 2 separate orders. When my products arrived the food packages were busted open. I contacted the seller as I wanted to return and refund my money. This fell well within their return policy. Here is the quote and link We hope that youll absolutely love all of our products. You are fully protected by a 100 % money-back satisfaction guarantee. Here 's how it works ... If for any reason you're dissatisfied at any time during the first 365 days after purchase, simply return the product to the original shipping warehouse and ask for a full refund. You'll get your money back. That's a firm promise and commitment XXXX XXXX XXXX I then contacted them as per the instructions on the shipping invoice. Over 2 weeks go by with no response so I around XX/XX/2020 I disputed both of the transactions with discover card while providing pictures of the damage product and proof of their return policy. I later won the dispute and was told it may be overturned. And since then the ruling in my favor has been going back and fourth. every agent I speak to switches their story. They either tell me I won one and lost the other and vice versa. I was told I won one transaction for XXXX and lost one for XXXX and i will be credited for the XXXX. Then i am told I lost the XXXX dispute and the XXXX is still being reviewed. All the while not a single agent not the website has been able to tell me why or provide any documentation as to why. I am continuing to dispute this transaction because I received and inedible damaged product. The company refuses to assist me and honoring their return policy and Discover refuses to assist me in this case.
Company Response:
State: CA
Zip: 90220
Submitted Via: Web
Date Sent: 2020-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A