Date Received: 2020-12-12
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: Hi. Good morning. a few months ago I bought 2 recliners from an XXXX 3rd party seller. everything was good but there was a problem with the recliners handle ( broken ) within 7 days so I requested for return and recliners company offer me a partial refund of XXXX dollars but I didn't agree with this then after a few days later they sent me to return label and I returned the items within 3 days then 2 0r 3 days later I was just checking the tracking Numer I don't see any updates, even it was showing nothing then I discovered the company sent me a fake label. first, the item weight was completely wrong, and then how many items. I informed my discovery card company regarding this issue and also XXXX to XXXX XXXX but XXXX sent me an email that they can't issue a refund to me because I already disputed with my bank so I had to wait until the finished investigation, the result came on the seller favor. I called the card company to how it could be like this. I sent all documents now you guys are protecting a fraud seller. they asked me do you have any proof that you returned, I said yeah I have a tracking number which was fake, and other than I don't have any option to prove I returned items and XXXX came and took the items.. anyway, they ( XXXX ) revised the credit from my XXXX credit card. I have attached the fake label and conversations between us. I need your help. thank you so much and stay safe and healthy
Company Response:
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: 15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector. I XXXX XXXX the consumer never gave the debt collector Discover consent to contact XXXX XXXX about my alleged debt. Violation ( 1 ) At any usual time or place or a time place known or which should be known to be inconvenient to the consumer. Discover emailed XXXX XXXX regarding the alleged debt of XXXX XXXX at times that were inconvenient. Violation 15 U.S. Code 1692b ( 2 ) This is an alleged debt that is furnished on my credit report which means youre stating that I owe this debt. This is not my debt you do not have the right to publish anything on my credit report without my consent. Violation 15 U.S. Code 1681 b ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX the consumer never gave any written instructions to Discover on this alleged debt. Documents attached Exhibit A The Discover Symbol. This is a violation of 15 USC 1692b. ( 2 ) and 15 USC 1692f. ( 8 ) Exhibit B Threating with a law firm ( 15USC1692i ) Exhibit C - 15 U.S. Code 1692b ( 2 ) This is an alleged debt that is furnished on my credit report which means youre stating that I owe this debt. This is not my debt you do not have the right to publish anything on my credit report without my consent. Violation Exhibit D violation 15USC 1692b ( 2 ) Not my debt Exhibit E violation 15 US Code 1692 C ( a ) Contacting XXXX XXXX about my alleged debt without permission.
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2020-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Discover et al is failing to post payments made on the account weeks after they have posted cleared on my bank account. They are systematically doing so in order to charge additional fees. And Discover et al is falsely reporting derogatory information on my credit report as a result of their accounting practices. I contacted them regarding this problem and they removed the fee, but when I checked my account a few days later, they still had not posted the payment made nearly a month ago nor the one that was made in the past 2 days.
Company Response:
State: FL
Zip: 33317
Submitted Via: Web
Date Sent: 2020-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I do not like credit cards so use my bank 's Credit/Debit card for everything, or pay cash. My credit score last year was XXXX at this time. Usually I try to have XXXXne credit card for emergencies. I signed up for a Discover Card last year that offered a cash back balance after 13 months of use. I used the card three times in three months, one transaction per month and paid the bills on time. At the third month I noticed a small info box showing that I had {$.00} cash back rewards, XXXX XXXX for each purchase. This was NOT the deal Discover offered. XXXX XXXX per transaction was not worth the hassle of the credit card. I wrote to them to dispute their initiating offer and was double talked. I closed the account. My credit score dropped. My credit/debit card was hacked twice so my bank suggested I use their Master Card, so I applied and used the card to purchase one item : computer printer. The printer did not connect to my computer so I returned it for a refund. However my statement from Master Card showed two printers purchased and no return when I had only purchased one. I called their offices and they told me the credit had been issued and the second charge for the same amount had been removed, but what they said did NOT appear on my statements. I waited a month, the scenario was the same, two charges on my statement with no credit for the item I returned. I called them again. They assured me the second charge was removed and the credit issued despite it was not on my statement. The third month, the second charge had been removed and the credit issued. This was far too much chasing them regarding their mistakes on my account so I closed the account. My credit score dropped. Without a credit card for emergencies. I filed two complaints with your offices about their handling of my credit only to find your office dismissed my issues accepting blindly what Master Card and Discover said. Neither of these errors were my mistake. Before I found out your agency did absolutely nothing about my situation, I opted for another Discover Card, very stupid on my part. I did not know my credit scored dropped when I closed both accounts. After I received your response simply accepting their lies, I found out my credit score had dropped to XXXX from XXXX when I started. I have no bills unpaid or otherwise, my house is paid for, my car was paid for in cash, I never had graduate or XXXX loans because I paid the tuition in cash as I went along to avoid debt when I finished and continued paying cash for anything I purchased through today and I have NO LOANS at all. On XX/XX/XXXX I received an email from Discover that they had cancelled my second account for the following reasons : " Key factors that affected your credit score were as follows : Key Factor 1 Number of accounts with delinquency Key Factor 2 Lack of recent installment loan information Key Factor 3 Too few accounts currently paid as agreed Key Factor 4 Length of time accounts have been established '' 1, I have NO delinquent accounts. 2. I have no loans at all and never did. 3. I cancelled the two accounts that made mistakes on my account. I'm the consumer, it's my credit, I should have the right to open and close credit cards at will without penalty especially when the mistakes are those of the credit card company who I do not trust now. 4. Both accounts were opened but AFTER their made mistakes, I closed them, which is my right and should not be subject to penalty. My credit score is now XXXX, dropped over 100 points since my first dealing with Discover. After I received their email, I replied to Discover and searched the internet to find them listed at RIPOFF.com, together with hundreds of statements from consumers with similar problems, essentially stating boycott Discover because they don't honor the programs they advertise, they lie, cheat and steal as proven by their attached email which is completely false. So the problem is NOT ME, but I have been harmed. I am in the process of buying a house and this low score and sudden drop will affect what I purchase. I believe Discover cancelled the second card and invented their " KEY FACTORS '' which are all intentional lies in retaliation for my complaint to your agency. Again, I am penalized for the actions of Discover. Your agency was established to protect the consumer from these thieves. But there was no protection to me, your agency acquiesced to their lies causing me more harm. It is your job to protect the consumer NOT the credit card thieves. Please do so. Instead of being rewarded for good practices incurring no debt, I've been harmed. I paid out {$25000.00} in cash to my dentist for work, paid up front. These are not the actions of a deadbeat that drains on the system. I am XXXX years old and can not have this fictitious misinformation on my record.
Company Response:
State: IL
Zip: 60073
Submitted Via: Web
Date Sent: 2020-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-12
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you
Company Response:
State: NJ
Zip: 08618
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: 2020-12-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I filed complaint # XXXX with CFPB on Discover. XXXX at Discover called and I thought he understood. He said he would call back after review. That didn't happen and I received the same ole information I have always received from Discover. This complaint is because XXXX didn't do as he said and call after his review.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-10
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 have been a discover card holder for 10 years. During the time, my identity was compromised and I repeatedly had problems with usage of my card, name, SSN, among other pieces of information. I hope Discover is doing what they can on their end when it is happening with Discover card. On XXXX XXXX, 2020, I received a call from Discover card saying that someone was attempting to use my credit card at a hotel, XXXX XXXX in XXXX, WA, for {$2100.00}. I informed them I was in XXXX, WA ( 100+ miles away ) where I live and that the charge was fraudulent. Discover closed the account and sent me a new credit card as promised. On XX/XX/XXXX, Discover rebilled my account for {$2100.00}, claiming the XXXX XXXX had my driving license information. I will attempt to contact the Driving Licensing center as soon as I can, but they are very slow at the moment due to health concerns. I believe someone has obtained my information somehow. Due to needing to use my credit during the ongoing crisis, I have paid the charge rather than withhold the payment, but I expect Discover to refund me and to look into this. I have filed multiple police reports. The latest report number is XXXX ( it contains all the previous information ) with the XXXX, WA Police Department. The officer promised to look into photographs from the hotel. I have contacted multiple departments at Discover including the executive department. I keep receiving the same information about XXXX XXXX having my ID information. As mentioned, my information has been compromised for some time and I can document I was not in XXXX, WA.
Company Response:
State: WA
Zip: 98052
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have been a with DISCOVER FINANCIAL SERVICES customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account on date XX/XX/XXXX. Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last 4 years, I would like you to consider removing the negative payments from my credit reports per XXXX, XXXX and XXXXXXXX. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Company Response:
State: CA
Zip: 95621
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-10
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Ive inquired numerous times In The month of XX/XX/2020 to increase my credit line due to how much I use it. I understand how the procedure is done through an AS ( Automated System XXXX Ive been told my credit was too new and I have too high of credit utilization this was back in XX/XX/XXXX of 2020. Ive never made a late payment Ive always been on time Ive never defaulted. The only derogatory remark I have when I call settle they tell me the account has been moved which negatively has been effecting my credit. As a collection agency they arent allowed to call me but they are required to mail me about the transfer of my collection debt which they havent making it hard to make a payment. I finally tracked them down but bc my debit card literally snapped in half I havent been able to pay them. This is just the start of my issues with how Ive been treated. XXXX XXXX I made a payment from my XXXX XXXX account and it was bounced back m. So I made a payment from my XXXX XXXX account the same one I clicked the first time and Ive been waiting for the payment to clear mind you this is 8 days later. Ive had this incident happen before and Ive done the procedures to get the funds released immediately however when I called discover about this they told me they cant escalate the payment even though they have in the past. Ive filed multiple complaints with them and to no answer Ive called multiple times and they give me the run around Im done dealing with my credit on my own please protect me
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Discover Bank received my IRA transfer on XXXX XXXX 2020. The same day they received my wife 's. My wife received the promised interest rate of .60 % while I received a rate of .50 %. I have documented that both transfer checks were received same day but mine was delayed for 3 days.
Company Response:
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A