Date Received: 2020-10-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2020, I was charged {$780.00} by XXXX XXXX XXXX on a Discover credit card. I never bought or ordered anything from this company. On XX/XX/2020, this amount was returned to my account. On XX/XX/2020, this amount was deducted again. On XX/XX/2020, the amount was returned. XXXX XX/XX/2020 amount deducted again. XX/XX/2020 amount returned XX/XX/2020 amount deducted again. Already in XX/XX/2020, I initiated a dispute against this transaction. On XX/XX/XXXX, the company sent me a decision that it was a no fraud and closed the dispute. The whole affair stretches to this day. The goods were ordered with my credit card but with my wife 's name. My wife also did not order or pay for any goods. The credit card was issued only for me. Only I use it this credit card. When I asked how it was possible that a transaction with my card number but a different name was allowed, it was not explained to me.
Company Response:
State: IL
Zip: 60634
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The current economic situation severely impacts my life as a result of the COVID-19 global pandemic. Struggling to keep a roof over my children 's heads and food on the table, I contacted Discover Card and asked for COVID-19 assistance. To be absolutely clear, COVID-19 assistance is not a gift that a customer receives from a credit card company or bank, but merely a payment deferment for a month, sometimes two. I had contacted Discover Card multiple times before I was 30 days past due on my monthly payment and asked for assistance. However, Discover Card refused every single time to help me. In the end, Discover Card did not provide me with any COVID-19 assistance. I strongly believe that this is due to discrimination. Not only refused Discover Card to provide me with COVID-19 assistance but in an attempt to force my hand to pay them and squeeze money out of me, the reported late payment to my credit file with all the major credit bureaus. Discover Card claims that this is something they have to do but conveniently and completely fails to mention that they refused to provide any COVID-19 assistance. I work with other creditors as well, and many of them do provide some COVID-19 relief. This is an unprecedented situation, so I believe that Discover Card has singled me out to get more money out of me. Their discriminatory tactics are not lost on me. Discover Card pushed me into a corner, and instead of offering me COVID-19 assistance, like they offered so many other people, Discover Card forced me to agree to a repayment program. The agent that I spoke to told me that if I agreed to their repayment terms, my late payment would be removed from my credit file with the major credit bureaus and that no further late payments will be reported going forward. Here is a verbatim quote of what the agent said to me : " We can't reverse or stop reportings at this point moving forward unless you can make that full past due. '' In years of being a Discover Card customer, I have not asked them for anything, even once, and I wasn't late even one time. Now that I fell on hard times due to COVID-19, like millions of people have, I asked Discover Card to defer my monthly payment and offer the almost meaningless COVID-19 assistance, which basically means that interest still accrues. At the same time, you don't make a payment, and no late payment is reported to your credit file. That's all there is to it. Now that I have agreed to Discover Card 's terms to repay them after they refused to provide COVID-19 assistance due to discrimination and pushed me into a cover using my credit file against me, I respectfully ask and absolutely demand that the one late payment be removed from my credit file with all the major credit bureaus. I did my part as a customer and notified them in due time that I needed COVID-19 relief, and they refused to help me, and not only that, but they tried to get even more money out of me. Please remove the late payment from my credit file, it is not something that I have done on purpose, and the Fair Credit Reporting Act does not have a provision for COVID-19 in there, so in this instance, credit reporting is left at every lender 's discretion. The FCRA was never written with global pandemics and their economic impact in mind, so please remove my late payment from my credit file to follow through with the agreement that I made with Discover Card. Thank you.
Company Response:
State: NC
Zip: 27103
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-29
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: MY NAME IS XXXX XXXX XXXX. My family was diagnosed with the coronavirus I booked an XXXX a couple of days before they tested positive as soon as I realize they tested positive for XXXX I had to cancel the reservation and now they wont give me a refund it really shows you how discover doesnt care about their customers and I want everybody to know that after this resolution is done with Im done banking with discover and will tell everybody I know to never bank with or have a credit card with them and if they do they better close it and the same goes for XXXX. They had the nerve to tell me the reason I couldnt get a refund is because if the people are traveling with me they cant grant a refund first off my sisters suffer from XXXX. I can not travel with them alone and you think they cared when I said that? Nope discover didnt either
Company Response:
State: GA
Zip: 30012
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Received letter on the XXXX of XXXX, with the date of the XXXX of XXXX. The amount is XXXX. I have been injured on the job due to a fun shot wound while delivering for XXXX. Since I can not work due to the medication and the fighting with Workman 's Comp Insurance am not receiving a paycheck. Discover Financial Services have pursued to litigation against me if I do not pay the debt by the XXXX of XXXX.
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-28
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Today, I received a Civil Court Summons from the law firm XXXX XXXX XXXX XXXX XXXX for PLTF Taped in the hallway of where I live. They use harsh tactics and verbal abuse when trying to collect debt. Also they use fraudulent templates of government documents to collect debt. Using fake index numbers and wording. This summons was for the amount of {$3600.00} in which XXXX XXXX XXXX posted in the hallway of my building. This all happen today at XXXX XXXX on Wednesday XX/XX/2019 2019
Company Response:
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-27
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: My mother XXXX XXXX has suffered from visual impairment for the better of 5 years, and has place me as an authorized user on her discover account to manage the billing. As this is the best form of contact and being able to make payments we requested paperless billing my number XXXX was placed on the account to be contacted should there be any issue regarding the account and I have received these calls from discovery until after XX/XX/2020. I recently was notified of a past due amount was placed on my credit from my credit monitoring service and when I contacted discover about this and ask why I was not contacted I was told by a representative that we were placed on a " No contact '' list resulting in not being notified of any past due amounts. My mother asked in XX/XX/2020 that her number XXXX was not contacted and to contact the other number listed on the account, but for some reason the representative placed both numbers to not be contacted.
Company Response:
State: CA
Zip: 91405
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: On XXXX I received an update from XXXX stating that my past due history increased for Discover from 96 % on time to 100 % on time history. I reached out to Discover and asked that since this had been updated for XXXX, to please update to the other bureaus. The first response I received regarding this new request was around XX/XX/XXXX and it stated that in XXXX I had already requested to have the payment history updated and the information remained the same. They also deleted the current payment history from XXXX. I sent another request to the executive office and was advised by them that their decision to update my past due history to current has not changed based on the investigation in XXXX, this apparently did not address my concerns. Did they not see the inquiry from XX/XX/XXXX? Discover has been the best card and I now feel like Ive been mistreated and discriminated against. Ive explained in the past that the payment was a simple mistake and my husband was in the hospital back in XXXX and I spent many days in the hospital and just forgot to make the payment on time. Neither agent investigated the fact that one of the bureaus is reporting XX/XX/XXXX as current as of XX/XX/XXXX. I only asked Discover to update it based on that and as a goodwill. However, they deleted the current information from XXXX, how distasteful. No proper investigation has been done because if it did I would have a new response regarding why XXXX is reporting all past due history as current and the others not. Instead Im given generic responses and investigation has been done. My consumer rights have been violated and Im sure it will fit under a UDAAP regulation and Fair Lending.
Company Response:
State: VA
Zip: 23112
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-26
Issue: Getting the loan
Subissue:
Consumer Complaint: Discover Personal loans has me listed as being in default of a personal loan that was opened fraudulently and I did not apply for. It is a case of Identity Theft and I have never even lived at the address I'm which I supposedly applied. I would like Discover to provide me with ANY application for this loan in MY XXXX with a verified bank account in my name that could be linked to me.
Company Response:
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-26
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: The account in discussion is Discover Bank account # XXXX the issue at hand is a late reported in XX/XX/2020. Back in XX/XX/2020 I was sick with Covid-19 and unfortunately I was unable to reach anyone at Discover to defer my payment. Once I was well enough quickly made the payment.
Company Response:
State: NJ
Zip: 08701
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-25
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: Since being a Victim of XXXX XXXX security breach my credit report had been a fraud nightmare. I have sent countless FTC reports explaining my situation with XXXX and they refuse to remove the fraudulent trade lines off my credit report. How many other people that were victims of identification theft are they doing that to. This has been going on since XXXX and its effecting my lively hood.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2020-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A