Date Received: 2020-12-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am writing to DISCOVER FINANCIAL SERVICE because I am having difficulties with applying for new credit cards. The late paymen on XX/XX/2020 in XXXX, XXXX and XXXX report prevents me from achieving the desired results. I am kindly requesting DISCOVER FINANCIAL SERVICE to remove this late paymen from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Company Response:
State: TN
Zip: 37027
Submitted Via: Web
Date Sent: 2020-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-07
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: Some fraudulent charges found and so I have filed with Discover Card company and Discover gave me credit for both authorized charges and unauthorized charges, I called Discover and notified them they are not supposed to give me credit that are accurate charges and do not charge back to merchants that are not fraud those charges are accurate. a month later Discover charged all back to my account including unauthorized charges and charged back to merchants at the same time that are not fraud charges and I specifically told them all online charges are accurate. I told them twice that all online charges or phone charges are accurate those are not fraud. Since they put all charges back to my account and they also charged back to the merchants I have to pay Discover and the merchants another means Discover double charged. They charged me and they took money back from merchants.
Company Response:
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2020-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-08
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: This is my second time making a complaint about Discover XXXX Card. I was approved in XX/XX/XXXX and they decided to freeze the account until a copy of my bank statement was sent so finally in XXXX after the wait time was over the card was unblocked. During the time Discover allowed me to have the account I experienced fraudulent transactions who I had explained that my roommate who lived with me from XXXX to XXXX must have been the one who had been using the account and even made a few erroneous payments. Discover XXXX card advertised zero fraudulent liability. I explained what was fraudulent and then they mailed me out new cards. After they were done with the dispute Discover closed my account and there reason for closing was a retaliation against me for disputing the fraud. Why offer your customers 0 % for liability and advertise it if youre going to you yes take the purchases are but then close the accounts I know Credit Attorney grantors have the right to close the account for any reason but during the COVID-19 crisis this is just abuse. Banks like discovered need to remember XXXX and how the government bailed most of them out now the American people are struggling and the banking system could care less.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-08
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I previously disputed this information and was told that Discover had instructed XXXX to remove the inquiries from my XXXX report. Unfortunately that has not happened and XXXX informed me that they have not been instructed to remove them. The inquiries are on : XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018
Company Response:
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These inquiries are unauthrozied and need to be removed from my credit report imediatly.
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2020-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have previously filed CFPB complaints # XXXX & XXXX against Discover. Discover replied and I have left messages for a return call as directed in their letter. For 3 years I have contested the cards as stolen because of identity theft. But that was repeatedly denied so I brought up new evidence that the payments were made fraudulently under an account that was not mine. Discover continually states the accounts were mine so I sent an affidavit. Now Discover requests new evidence reflecting payments made on my account were fraudulent that allowed the credit limit to be exceeded. However Discover possessed or possesses this information. This is information that should have been researched in 2017. And this evidence should not have been destroyed or lost.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-06
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: A security deposit was taken from my credit card for a car bidding website. The merchant falsely accused me of bidding on and winning a car on my account to keep my security deposit. I never bid on the car they company said that I did. When I contacted the company they told me lies and refused to give me a refund. My bank said that I have to get the merchant to agree that I get a refund so they disapproved my dispute.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2020-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: CFPB : I have been a Victim of the 2017 XXXX Security Breach. I have disputed with XXXX XXXX over six times regarding the same thing and I have sent them police reports along with FTC reports explaining the situation and each representative assures me that these inquiries are going to be removed. Then once the investigation is complete they sent me a copy of my credit report stating that the inquiries have been deleted but they still remain. I have contacted XXXX because most of the inquiries are from XXXX and they agreed to have them removed but they remain. This is a trying time for many American and worldwide people some of us need to take out loans and due to the fraudulent inquiries it is a hindrance right now to take loan.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2020-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The company has failed to validated information to collect a debt. Request the company to remove the debt from all three credit report.
Company Response:
State: MA
Zip: 02368
Submitted Via: Web
Date Sent: 2020-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-05
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 was set to travel with XXXX XXXX XXXX in late XXXX of this year. It was business class seats for two for XXXX dollars each. The first time in my life that I bought business class seats. My flight was canceled by COVID protocols. I understand these are not normal times but I do wish my tickets refunded as the flight was canceled nearly 6 months ago. I asked via XXXX website back on XX/XX/XXXX about the transaction but the automatic response did not help at all and I was forced to call. I was told I would get a refund shortly. Months passed and I used Discover 's dispute option as I did not fly with XXXX XXXX, get my money back, or even received a credit. The first dispute went in favor of XXXX XXXX and I called Discover back to escalate the situation in XXXX. The representative said they should escalate it because I did not get the goods or services I purchased. By XXXX I was told that they had still sided with XXXX XXXX because XXXX XXXX claimed it was XXXX 's fault and they need to issue the refund. I called XXXX back after the ruling and said they would look into it and I should get a refund by 8 weeks. I then called again on XX/XX/XXXX and they now state that they did not follow up on the issue after the first call for a chargeback in XXXX. However, they state it is XXXX XXXX who is supposed to pay. I once again tried to discuss this with Discover and they still ruled in favor of XXXX XXXX. I am running out of legal recourse other than calling a lawyer at this point. I have three companies fighting and no one who is not helping the consumer. I have tried to contact XXXX XXXX but the process will take 21 days to get to my email.
Company Response:
State: IL
Zip: 60538
Submitted Via: Web
Date Sent: 2020-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A