Date Received: 2020-12-02
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: Recently I used my Discover Credit Card because my visa debit card 's magnetic strip was inoperable. No worries in which I was using my credit card and paying off the card the next day of my purchases. So I thought. I made a payment on XX/XX/XXXX {$280.00}. XXXX, a payment on XX/XX/XXXX of {$170.00}, a payment on XX/XX/XXXX of {$920.00}, a payment {$57.00} on XXXX XXXX to supposedly keep everything current in which it should of been. another payment on XX/XX/XXXX of {$50.00} a payment of XX/XX/XXXX of {$380.00}, a payment on XX/XX/XXXX of {$280.00}, a payment on XX/XX/2020 of {$580.00}. I did this too keep everything current. However, the balance was - {$22.00}. So, being concerned I called Discover Card financial services on XXXX XX/XX/XXXX. i spoke with XXXX who was absolutely acted like he didn't know what I was talking about. He stated that sometimes things don't go through. Exact words. How is that possible that my payment may not go through. I asked to speak to a manager and for his badge number. which he gave me and have written down. When I spoke with the manager it was XXXX from XXXX, AZ. She was downright rude. She told me it takes 8-9 business days for things to clear. I told her the discover card services does not keep up to date like a normal financial service. Example. on my account it says I have a balance of {$420.00}. I paid {$420.00} to pay off balance. So what they do is hold the {$420.00} you pay for 8-9 days while you accrue more charges and interest. They don't update the account. so you are actually not knowing what you are charging. A lot of things did not line up. When I talk to XXXX and told her I had previous talked to someone and said the persons badge number. She even notified me they don't even have badge numbers at Discover. She was downright rude. Seem rather unconcerned of what they were doing. She even yelled at me with a temper. i feel so upset with Discover and want this resolved immediately. Unprofessional!
Company Response:
State: TX
Zip: 77598
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, DISCOVER FINANCIAL SER add a hard inquiry on my credit report per XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Company Response:
State: CA
Zip: 90029
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: To : XXXX Re : XXXX XXXX XXXX Discover credit card account that is not mine XXXX I wish to make a complaint against a debt collector, XXXX XXXX XXXX XXXX who are in violation of the California Fair Debt Collection Practices Act and the federal Fair Credit Reporting Act. I have been the victim of identity theft. Discover had claimed they issued a card to a person with the same first name, but a different last name than me, and now Discover and the company they sold the debt to, XXXX XXXX XXXX, claim that this account is mine. This identity theft Discover account has been added to and is negatively impacting my consumer credit files since XX/XX/XXXX, despite the numerous disputes and certified letters with documentation including my FTC Identity theft report, my police report, and proof of my identity -- that I have sent to Discover, XXXX XXXX XXXX, and the XXXX XX/XX/XXXX, and XX/XX/XXXX. I do not have an account, nor have I ever maintained an account with Discover. Discover claims that the account was opened via an internet application we received on XX/XX/. Note that the account was allegedly opened for a person with the same first name, but a different last name than me. I have never had or used any other name. Any person or persons with my stolen identity credentials and malicious intent could have opened this account via the internet. XXXX XXXX XXXX and Discover refuse to provide any contractual documentation to me regarding this account. Further they refuse to remove it from my consumer credit files despite the fact that I have, on multiple occasions, provided them with all of the documents theyve requested proving my identity and the fact that I have been the victim of identity theft. The latest certified mailings I sent them with this information was on XXXX. I have repeatedly contacted both XXXX XXXX XXXX and Discover in my efforts to resolve this issue, but they have not removed this account from my consumer credit files and XXXX XXXX XXXX continue to harass me in regards to this debt. There is no pending court action and I have not filed a lawsuit regarding this matter. The resolution I am seeking is for XXXX XXXX XXXX to cease contacting me regarding this debt and to remove all instances of it from my consumer credit files. I further request that Discover be compelled to do the same.
Company Response:
State: CA
Zip: 94551
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, DISCOVER FINANCIAL SER add a hard inquiry on my credit report per XXXX. On XX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Company Response:
State: CA
Zip: 90038
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Today Discover Card made a Business Call to close my account for reporting the fraudulent transactions. I am grateful for CFPB its time that Credit Cards/Banks are accountable to the American people and Congress really needs to change the law on Credit Card Companies closing accounts for frivolous retaliation reasons. Discover advertising zero percent fraudulent transactions liability is a lie and a joke. I want my case documented that during COVID 19 this is what you get. Its truly the best time to get new credit card laws in legislation. I bet if Discover needed a bailout from the taxpayers the government would not close Discover Financial.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2020-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-30
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I contacted Discover Card today, XX/XX/XXXX for they are insisting to pay {$870.00} XXXX Most of it charges for late payment ). The Instant pot that I had bought from XXXX had been returned since the end os last year and XXXX had credited it on XXXX XXXX, XXXX. I also returned five boxes they sent by mistake. Still Discover card is billing me for something I did not buy. I would to correct this situation with Discover Card. Please help, Thank you, XXXX XXXX
Company Response:
State: IL
Zip: 60089
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I upgraded my Discover It secured credit card that had a {$500.00} desposit on it but I never received my desposit back. I called on XX/XX/2020 and they said they will mail me a check. I called again on XX/XX/2020 and XX/XX/2020 with the same problem but they kept telling me to wait for it even though they told me initially it would take 7 business days for the check to arrive. Finally, I called again on XX/XX/2020 and they said they would send it directly to my bank account.They said it would take 5 business days and I still havent received it to this day XX/XX/2020.
Company Response:
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-30
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/XXXX I paid Discover {$4300.00} to pay off a balance transfer offer that ended this same day. In my haste, I misread my statement that stated I in fact owed {$4300.00}, leaving {$81.00} to accrue interest beginning XX/XX/XXXX. I made another payment on XX/XX/XXXX in the amount of {$200.00} which should have satisfied this interest-bearing amount. I didn't notice the interest charged until my XXXX statement was available on XX/XX/XXXX. Being a holiday weekend, I waited to call Discover on XX/XX/XXXX. I spoke with XXXX for roughly 40 minutes, during which, she was unable to provide me with an explanation other than " that's how interest is charged. '' If you calculate the daily interest rate ( 0.1599 / 365 ), based on the number of days between XXXX ( 26 days ), the interest charge should have been roughly {$0.00}. After not addressing my concerns, XXXX transferred me to " someone else that can help you understand how to calculate interest. '' I was greeted by XXXX in the " Delaware Center '' who identified herself as a supervisor. She asked how she should help, but the previous representative had not transferred over any notes or my concerns, so I had to explain myself again to XXXX. XXXX proceeded to tell me that my billed statement was " incorrect '' and does not show the " average daily balance. '' However, when I challenged her on where the consumer could get this information outside of their physical billed statement, she said " you'd have to call in for that. '' Knowing I was getting nowhere with XXXX, I thanked her and called back to determine the amount currently bearing interest according the Discover 's " average daily balance '' which was told to me to be {$270.00} - a far cry from {$81.00}. This amount included a total interest amount of {$4.00}. I made a prompt payment in the amount of {$270.00}.
Company Response:
State: TN
Zip: 37660
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: ON MY CREDIT REPORT DISCOVER REPORTS THAT I PAID MY CREDIT CARD BILL LATE IN XXXXXXXX2018 ON MY XXXX REPORT, HOWEVER IT SHOWS AS PAID ON TIME ON XXXX AND XXXX REPORTS DURING THAT TIME, ALSO IN XXXX XXXX XXXX AND XXXX IT SHOWS AS LATE, HOWEVER I WAS NOT LATE, I LOST MY JOB AND CALLED DISCOVER AND WAS INFORMED IF I SENT EVEN LESS THAN THE MINIMUM PAYMENT I WOULD NOT BE REPORTED AS LATE.
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-29
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/2020 I noticed hundreds of small purchases on my Discover card amounting to approximately {$1300.00} made to XXXX. These charges vary in cost from {$1.00} to {$50.00} at a time and were made between XX/XX/XXXX and XX/XX/2020. I did not make any of those charges and no one else has access to my credit card. I alerted Discover customer protection services, who initially refunded the purchases. I also contacted XXXX who stated that there were no charges on my XXXX ID or the current form of payment attached to my account, however my card ending in XXXX ( which had been previously closed for fraud in XXXX of 2020 ) had been compromised and was in use by 7 different accounts. Those accounts were closed for fraud and my credit card ending in XXXX was barred from ever being used on XXXX again. They would only be able to provide a merchant refund for approximately {$190.00} of the purchases and the financial institution would have to refund the rest. The next month credit card statement showed they had reversed the refund and returned the charges to my account. I have since provided information from my XXXX account showing no purchases adding to that amount as well as the case notes and phone recording ( which was too large to attach to this complaint ) from my initial discussion with the XXXX representative yet Discover will still not accept my fraud claim. Discover wanted a list of what charges XXXX is considering fraud however I have also provided written documentation that XXXX can not provide that to me since none of the charges were associated with my account and that would violate their privacy policy. I was a Discover card customer for 10 years with an excellent credit history so I have no motivation to try to defraud Discover out of {$1000.00} yet they keep denying me whenever I provide proof. It has been an extremely frustrating situation because the determination process is completely non-transparent and Discover refuses to show me written documentation of how and why they determined these charges to belong to me.
Company Response:
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2020-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A