Date Received: 2020-12-06
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response:
State: MA
Zip: 020XX
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: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: There was a small dent on a secured credit card that was paid I was told by the company if I paid the balance they would remove the account from my credit reports. I have filed a few disputes already and they are not removing the account.
Company Response:
State: NJ
Zip: 087XX
Submitted Via: Web
Date Sent: 2020-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-04
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: This dispute was incorrectly resolved twice after the merchant challenged the decision. I have just received the exact same packet rejecting my claim, including the exact same irrelevant documentation from the merchant, as I received in XXXX. Clearly no one read my XXXX letter, and the " review '' I have been waiting months for was a sham. The merchants additional documentation proves only that the table was ordered and receivednone of which is in dispute. Their documentation is therefor irrelevant tot he case. I ordered a table, received a heavily damaged table and returned it ( as the merchant does not dispute ), received a second heavily damaged table on XX/XX/XXXX, immediately contacted XXXX via the customer service chat, spoke with XXXX who apologized, told me to dispose of the table ( which had very sharp broken edges ), and told me I would receive not only a refund but also additional credit because I had ordered the table special for a family barbecue ( now missed ), and because I have been a very good XXXX customer since 2005. That same day, he sent me an email confirming the refund, which I have uploaded. As I also demonstrated on Discovers chat, the emails metadata links to my XXXX account. I did not return the table because XXXX Customer Service told me not to. The email from XXXX Customer Service, stating that I am receiving a refund, is attached and I believe represents a binding contract.
Company Response:
State: NY
Zip: 133XX
Submitted Via: Web
Date Sent: 2020-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-04
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I went to XXXX XXXX to open my first credit card and the agent told me that I had 23 opened/closed credit accounts. I never had a credit account before. Someone used my identity to opened all these accounts under my name. The companies and banks are : XXXX XXXX XXXX XXXX Discover bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some companies that has multiple accounts opened. I attached photos of the banks and amount owed down below.
Company Response:
State: NY
Zip: 11220
Submitted Via: Web
Date Sent: 2020-12-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: In XXXX of 2019 my father opened a Discover Card. He did a balance transfer from my account to his account for a shower we had to get for him because of his XXXX. The transfer went through with no problems. Well unfortunately my father passed away unexpectedly in XXXX of 2019. When we called them in XXXX to cancel his card, I told them what had happened and they said, thank you for letting us know we will take care of it. Well a couple of months later we got a letter in the mail for my Dad from Discover. It said that there was a fraudulent charge on his account. I called them and asked what it was, and I told him that I had already called and closed that account. They said just disregard that letter and it was taken care of. A couple of months later my credit card I got a fraudulent charge from Discover. My company said they were told it was a fraudulent charge. I said how can it be fraud it was approved months ago. My company said they didn't know. I contacted Discover and they told me we can't talk to you because you are not on the account. I told them, what do you mean? My father lived with us we would know if he made a fraudulent charge. To make a long story even longer we have been dealing with this for 10 months and have gotten nothing but a run around from Discover and our company. If there was an issue with the transfer, then it should have been taken care of at the time the account was opened not 4 months later. I contacted the executive offices and was told they would investigate it. They called back and said, we can't talk to you because you are not on your dad 's account. What we can tell you is that we couldn't determine that your father opened the account. I said, what, he is dead. How are you going to verify it since he is not here? They gave me no response. I am so disappointed that a family in grieving are told, yeah you are going to have to pay for this. They didn't care they used my father 's death as an excuse to not have to deal with his debt. Now about six weeks ago I get a letter addressed to my dad saying my dad has a positive amount in his account for {$6200.00}. I said well that is good because my card is negative {$6200.00}. Please send us the money so we can close out our account. They told me that it says not to release the money to the son. I said why? They said you are not on the account. I said it is my money. They said we have tried to send it to XXXX a couple of times, and they keep sending it back to us. I call XXXX and they said we don't know anything about it, we have not received a check. I call back discover and was told we will have someone contact you. That never happened. I called again and asked what happened. They said they didn't call you because you are not on the account. I said legally you can not hold on to that money. I said, what am I supposed to do now? You can't talk to me ; XXXX says you never sent them anything. What am I supposed to do? Do I wait until my credit is completely shot? How long do I stay a nice guy and keep my temper in check talking to them? I am ready to explode on them. I am so mad that this company 's customer service sucks so bad. My credit score dropped 150 points. I told my company I am not paying them a dime. Send the money back to Discover and let them deal with the debt. This is not my debt and I am not paying for it. I am tired of getting the run around. I recorded my phone conversation with Discover with the lady telling me they have a check for {$6200.00} just sitting there. I am ready to let our attorney take care of this. Like I said in plain English, if there was a problem it should have been dealt with at the time of the account being opened not 4 months later. My attorney said he has never ever heard of this happening before. A company taking advantage of someone's death as their reasons for filing fraud charges on me. My father passes away and they are now telling me I committed fraud. What a joke.
Company Response:
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: The company is discover card and they already know the problem because I reported it to them immediately the first time it happen and then it happen a second time and now they are working on my account to try to fix it as it was agreed upon. Do not know if there is something else that could or needs to be done. That is why I am writing your organization now about my discover card issues. This company keeps submitting my whole balance despite the fact it is on a Monthly agreement payment plan.
Company Response:
State: NY
Zip: 14215
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Before making a {$50.00} XXXX electronic gift card purchase with my Discover credit card, I asked XXXX in Utah if it would receive 5 % cash back like all other XXXX purchases with my Discover card this quarter. He said, " Hello XXXX. This is XXXX in Utah. It's good to know what to expect with rewards on your purchases! Usually giftcard purchases come through as XXXX Gift Card rather than XXXX. For this reason the 5 % will not auotmatically be applied. You can reach out after the cycle date to have it adjusted though! It will take an additional billing cycle to update though. '' When I contacted Discover today to get that adjustment, they said, " I do apologize for any misinformation, gift card purchases are excluded from the 5 % quarterly promotion. Due to this I am unable to make that adjustment, I apologize for any inconvenience this causes. We are always looking for ways to improve our company. I would be happy to pass along your feedback for future enhancements.Did you have further questions in regards to your account? '' Even their website does not say XXXX gift cards are excluded from the 5 % quarterly promotion. It says : " Activate to earn 5 % Cashback Bonus at XXXX, XXXX and XXXX from XX/XX/XXXX ( or the date on which you activate 5 %, whichever is later ) through XX/XX/XXXX, and at XXXX XXXX from XX/XX/XXXX ( or the date on which you activate 5 %, whichever is later ) through XX/XX/XXXX, on up to {$1500.00} in combined purchases. XXXX XXXX purchases include only purchases made in-store at XXXX XXXX, online at XXXX, or through the XXXX XXXX app. Cell phone purchases only includes the portion of the balance amount paid in-store at XXXX XXXX, online at XXXX, or through the XXXX XXXX app. It does not include cell phone installment plans. Individual merchants and stand-alone stores within physical XXXX XXXX locations, or on XXXX, may not be eligible in this category. XXXX purchases include those made through the XXXX checkout, including digital downloads, XXXX gift cards, XXXX XXXX orders, XXXX Local Deals, XXXX XXXX subscriptions and items sold by third party merchants through XXXX 's marketplace. Purchases also include those made in-store at XXXX XXXX, XXXX XXXX, and XXXX XXXX. The XXXX logo and the smile logo are trademarks of XXXX or its XXXX. XXXX purchases include only those made at XXXX and when shopping through the XXXX app ( including Grocery Pick Up and Instore Pick Up ). Purchases made through affiliates of XXXX are not part of this promotion. The XXXX logo is a registered trademark of XXXX XXXX XXXX purchases include only purchases made online at XXXX or through the XXXX XXXX. Purchases made through affiliates of XXXX are not part of this promotion, including, but not limited to, XXXX and XXXX XXXX and the XXXX Design are registered trademarks of XXXX XXXX , XXXX. Listed merchants are in no way sponsoring or affiliated with this program. Activate to earn 5 % Cashback Bonus at Grocery Stores ( stand-alone ), XXXX ( stand-alone ) and XXXX ( stand-alone ) from XX/XX/XXXX ( or the date on which you activate 5 %, whichever is later ) through XX/XX/XXXX, on up to {$1500.00} in purchases. Grocery Store purchases now also includes XXXX XXXX Pickup and Delivery purchases only ; other purchases at XXXX are not eligible. Purchases made at convenience stores, gas stations, warehouse clubs, discount stores, supercenters ( or at grocery stores associated with supercenters or discount stores ) are not eligible. XXXX purchases are not eligible. XXXX and XXXX purchases include only purchases made in-store at XXXX or XXXX, online at XXXX or XXXX, or through the XXXX or XXXX XXXX. Individual merchants and stand-alone stores within physical XXXX or XXXX locations ( including health centers ), or on XXXX or XXXX, may not be eligible in this category. Listed merchants are in no way sponsoring or affiliated with this program. Activate to earn 5 % Cashback Bonus at Gas Stations ( stand-alone ), Wholesale Clubs and Select Streaming Services from XX/XX/XXXX ( or the date on which you activate 5 %, whichever is later ) through XX/XX/XXXX, on up to {$1500.00} in purchases. Purchases made at Gas Stations include only merchants in the category that sell automotive gasoline that can be paid for either at the pump or inside the station. Gas Stations affiliated with supermarkets and supercenters may not be eligible. Check with your Wholesale Clubs to make sure your Discover card is accepted. Purchases of affiliated Wholesale Club services, such as delivery services, travel and cell phone purchases, may not be eligible in this category. Individual merchants and stand-alone stores within physical Wholesale club locations, or online, may not be eligible in this category. Select Streaming Services purchases include only the following select U.S. streaming subscriptions : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX+ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + XXXX XXXX+, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. If your subscription is bundled with another product or service, billed by a third party ( such as a digital platform, a cable or satellite provider, telecommunications, internet provider or a car manufacturer ), the purchase may not be eligible in this category. Add-ons associated with Select Streaming Services may not qualify for this promotion if they are not listed, billed in a bundle, separately or through a third party. Listed merchants are in no way sponsoring or affiliated with this program. Activate to earn 5 % Cashback Bonus at Restaurants and XXXX from XX/XX/XXXX ( or the date on which you activate 5 %, whichever is later ) through XX/XX/XXXX, on up to {$1500.00} in purchases. Restaurant purchases include only those made at merchants classified as full-service restaurants, cafes, cafeterias and fast food locations. XXXX qualifying purchases are those made through the XXXX wallet online, when you send money to Friends and Family via XXXX using your Discover Card, and point-of-sale transactions using XXXX Here. Payments made through the XXXX transfer service are not eligible for 5 %. Any restaurant purchase made using XXXX will only be awarded a total of 5 % Cashback XXXX. XXXX, the XXXX logo are trademarks of XXXX or its Affiliates. Listed merchants are in no way sponsoring or affiliated with this program. Activate to earn 5 % Cashback Bonus at XXXX, XXXX and XXXX from XX/XX/XXXX ( or the date on which you activate 5 %, whichever is later ) through XX/XX/XXXX, on up to {$1500.00} in purchases. XXXX purchases include those made through the XXXX checkout, including digital downloads, XXXX gift cards, XXXX Fresh orders, XXXX Local Deals, XXXX XXXX subscriptions and items sold by third party merchants through XXXX 's marketplace. Purchases also include those made in-store at XXXX XXXX, XXXX XXXX, and XXXX XXXX. The XXXX logo and the smile logo are trademarks of XXXX or its Affiliates. XXXX purchases include only those made at XXXX and when shopping through the XXXX app ( including Grocery Pick Up and Delivery ). Purchases made through affiliates of XXXX are not part of this promotion. The XXXX logo is a registered trademark of XXXX XXXX XXXX purchases include only purchases made online at XXXX or through the XXXX XXXX. Purchases made through affiliates of XXXX are not part of this promotion, including, but not limited to, XXXX and XXXX XXXX and the XXXX Design are registered trademarks of XXXX XXXX XXXX XXXX. Listed merchants are in no way sponsoring or affiliated with this program. '' Based on the terms of the promotion and XXXX in Utah 's message, I should receive 5 % cash back for my {$50.00} XXXX electronic gift card purchase. Why is Discover denying me the 5 % cash back now?
Company Response:
State: AZ
Zip: 85298
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: When I applied for the loan, the interest rate was 4 %. After graduation, I was told that I can defer my loan payments without being informed that this will increase my interest rate. My interest rate is now 6 % and when I check the principal balance, I think they take interest-only payment during some part of my loan time. I didn't understand much about student loan and interest rate until recently that I understand that I realized that I have been tricked into paying more and more interest with not much applied to the principal through the payment assistance that they provided.
Company Response:
State: AZ
Zip: 85308
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: This account is reported so inaccurately! One bureau is reporting all good payments yet the other is all charged off. I am asking for your help to investigate and remove this account.
Company Response:
State: MA
Zip: 02124
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I applied for a Discover Card with a credit score in the 720s. I am planning on starting a family soon, and I wanted to get a card that I could use for groceries and gas to start building my credit score. I was accepted almost instantly. They sent me the card in the mail. I called in to activate it. The agent said they would activate once they got back an XXXX IRS verification form that he emailed to me. I filled it out and was sent verification that it was completed. Two weeks later, I got an email saying discover closed my account and my credit score could be affected. I checked, and my credit score had gone down to the 680s. I called Discover, and they told me that they sent me two verification forms that they never got back and, as a result, they closed the account. I never received these forms. Ive kept every document ( physical and virtual ) Ive recovered from Discover and these forms are not in there. Additionally, they said an agent told me to upload bank statements. No agent told me any such thing.
Company Response:
State: NJ
Zip: 07042
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A