Date Received: 2020-10-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have requests for the attached responses from Discover. I have made several complaints regarding stolen card, fraudulent purchases, and fraudulent payments. I did not steal my own cards nor make fraudulent payments. Discovers response dated XX/XX/XXXX reflects I called on XX/XX/XXXX advising to allow XXXX XXXX to use, discuss, withdraw fraud claim, and requested balance to pay off. How did Discover know she was also using another name aka XXXX? This is totally false since I had just filed a sheriffs report one day prior on XX/XX/XXXX and I didnt have money to pay off the card! She called Discover, so may I have a copy of the interaction plus all details including the phone number? Ask yourself ; I am a man who held the card. She is a woman and needed a man to make statements. Someone just decided to call you to tell you to drop the fraud case and alright to talk with XXXX XXXX?????????????? How does that benefit me especially finally a sheriffs report one day earlier? There was reason for XXXX XXXX to go to great lengths to steal and have someone impersonate me. I researched the purchases and XXXX XXXX was using card to pay probation fees to XXXX XXXX County. I noticed several payments to XXXX XXXX County Clerk and dialed the number on the statement ; XXXX. XXXX XX/XX/XXXX purchases and call the number. She is also now or was recently an inmate in XXXX County Jail XXXX for false pretenses and forgery. See attached. On XX/XX/XXXX, Discover reflects I took full responsibilities for the charges. I asked to continue payments on what I just owed. May I also have a copy of that interaction / details. At that point, I was very frustrated and wanted my credit rating back. I have been asking for payment options and settlement options and I will continue to discuss much to regain my credit. But I have never represented I was married or withdrawing fraud claim. Then Discover exacerbated the problem by not removing payments and subsequent purchases, closing the account, and then charging off. I had asked for return of cards but Discover isnt able to comply. What can be done? What are the options because my credit should be restored? Drastically discount the amounts due? But I am XXXX and I now dont have money readily available. I was faithfully making payments to reduce debt, never made fraudulent payments, and am most certainly not married or even common law. Nor am I in the least attracted to someone that XXXX XXXX ugly! Calling Discover is very difficult if not near impossible. It has been more productive and a better use of my time to correspond through CFPB. Instead of stressing consumers, would it be better for Discover to call the consumers when Discover is not so overwhelmed? My number is XXXX.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On the XXXX of XXXX I woke up to an email from Discover concerning my checkings account. It said that they have noticed suspicious behavior on the account and instructed me to contact them immediately. Without hesitation, I contacted them with the phone number provided. I was asked a series of security questions, which I answered correctly and then they were able to access my account info. I was then informed that my account had been closed and they could not give me a reason why except that it was a business decision. I was severely distraught over this because my one and only source of income is my unemployment benefits of {$110.00} a week. I had been waiting on a deposit from unemployment for my backpay the entire two and a half months I had the account but had been receiving my weekly direct deposits from unemployment every week since opening the account in early XXXX. Never had any issues whatsoever, not even one single overdraft.. nothing! The day I was informed about the account being closed was a Sunday. Two days earlier, I spoke to someone at the unemployment office about my back pay and was informed that they were ready to send the deposit and to confirm my banking info. I of course gave them my account info from the Discover checkings account since that is where I had been receiving my deposits weekly since they approved me for XXXX unemployment benefits. I was shocked that they had closed my account without warning or even a single phone call to question me about the concerns that they were having. I went into a complete panic knowing that the backpay deposit was already processed and sent to that account so there was no way to reverse it at that point.. Although I was not confident that it would do any good after the conversation I had with the first rep I spoke with, I decided to call again to try and see what was happening and what I could do to resolve the issue. I spoke with a different rep that time, and a much nicer one to say the least, and after looking into things and speaking with her supervisor, she realized that the account was closed for basically no good cause and reopened the account within minutes. She informed me that although the account was reopened, I could no longer use the debit card I had for the account and would have to wait on one to come in the mail. I made a point to let her know that I was currently out of town and in XXXX at my mothers house so they would have to send the card to that address. She said that was no problem I would have the new card within 24-48 hours. I was so relieved and grateful that my account was open and I would be able to receive this money I have been waiting on for two and a half long and truly difficult months. However, they did not send the card to XXXX as I requested, they sent it to XXXX where I reside. I again called in and spoke with someone, explained the entire situation once again, and after apologizing for the mix up on their part, I was informed that they have canceled the card that went to XXXX and reordered another new card to send to XXXX which I would have in another 24-48 hours. At this point Im feeling a bit irritated with the situation but still optimistic knowing I can finally access my money in a couple days that is so desperately needed for bills, etc. The very next day, I wake up to yet another email saying there is suspicious activity on my account and to call immediately AGAIN. I thought omg what is the problem now?!! But again, I called, and again I answered multiple security questions correctly and access to my account was granted to the rep. Low and behold, my account was closed AGAIN!! Unbelievable!! Of course I was again told that it was a business decision and I would have to wait 60 days to receive my money by check in the mail.. at this point, Im just completely speechless and can not believe what is happening..and for NO REASON!! I of course called back to try and resolve the situation and get to the bottom of this and was told that the reason why the account was closed a second time ( get this ), is because there were two debit cards ordered in the same week going to two different addresses!! Now things are just unreasonably rediculous and Im in complete amazement at the treatment Im getting as a customer of theirs no less!! Now they have me on the phone with their fraud department.. now Im once again explaining everything thats happened to yet another rep. She says ok understandable, just send me a picture of your social security card and birth certificate. I tell her I definitely have my social security card but not sure about the birth certificate but I am driving at the moment so let me take a look and see what I have soon as I get back to moms house. An hour later, I call back and get another rep. Explain everything again. Inform them Im prepared to upload requested documents just tell me how to do so. They walked me through it, successfully uploaded documentation, they then transferred me to a supervisor. Explained everything AGAIN only to be told Im sorry your going through this but I need you to now upload a lease, tax documents or check stubs.. so I did! By that time shift changed. Now Im on the phone with another rep. Explained everything once again for the 50 millionth time thats happened up to that point and was then told that he sees that I have uploaded the documents and he will forward this case to a supervisor and reach out to me with a decision within the hour.. that was going on 24 hours ago.. Now with all that being said, let me explain my situation a bit so you can fully understand how this whole mess was initiated. Im originally from XXXX, my whole family still resides in XXXX, but my sister moved to XXXX a few years back and I decided to relocate and move in with her Around XXXX or XXXX of last year because she was out there all alone and struggling to pay bills. I am XXXX so XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX type work so I can work from pretty much anywhere. When the pandemic hit, work ceased completely due to the social distancing order, so when the XXXX unemployment benefits became available, I filed a claim for XXXX benefits. For several months I certified for benefits every week but didnt receive a single penny until late XXXX. By that time my sister and I had several months worth of unpaid rent and bills of every kind so we were in desperate need of that money. The weekly benefits helped but they were nowhere near enough to climb out of debt completely so the retroactive backpay was and is still desperately needed. In early XXXX my mother contracted XX/XX/XXXX and I immediately came back to XXXX to help care for her. She fought for a long time but recently passed away due to complications of XX/XX/XXXX. That is why I was out of town for the last few months and that is the one and only reason Discover bank closed my account. Simply a red flag in their system from me receiving unemployment benefits from qwww XX/XX/XXXXand currently Im in XXXX temporarily. They did not even do much as ask me why I was here or give me any opportunity to show them proof of of what I am saying. I have to bury my mother next week and can not even buy myself a suit. I also have XXXX daughters ages XXXX and XXXX that I am raising alone. This whole experience has caused me unthinkable grief in the midst of an already devastating situation on multiple levels.. This is truly an outrage that this bank can legally even do something so devastating to a customer of theirs who voluntarily trusted them with their own money only to have them keep it from me and deny me access to my own money without good cause and someone needs to answer for these rediculously cruel and heartless actions.
Company Response:
State: IL
Zip: 60623
Submitted Via: Web
Date Sent: 2020-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-25
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX I initiated a {$6000.00} AHC wire transfer from my Discover Bank checking account to my XXXX XXXX XXXX checking account. Unfortunately I used the wrong routing number and learned that the money would be rejected by XXXX XXXX XXXX and sent back to Discover Bank. On XX/XX/XXXX I got an email saying my ability to transfer funds was suspended. I also got an email that said they noticed unusual activity on my account and it was suspended and I needed to call immediately. I called and got my account reactivated only to get the same emails the XXXX and XXXX. Finally on the XXXX I got another email saying to contact them immediately and that they noticed more unusual activity on my account. But there wasnt any. The only thing was the {$6000.00} being sent back. I talked for a while with customer service and was told my account was closed as a Business decision same thing they told the other people that made a complaint to this website. I asked when will I get my {$6000.00} plus thats in my account? She said 60 days. I said thats a long time, and she replied that that gives time for all the transactions to go through. I hung up and started researching if this was legal. I would ask you try to reach out to XXXX XXXX VP of Customer Service at Discover Bank, and try to explain the situation too him and how the longer they hold my money the more its going to cost them in legal fees and judicial decisions in my favor. All I did was put the wrong routing number in to a wire transfer, there was no fraudulent activity.
Company Response:
State: CT
Zip: 062XX
Submitted Via: Web
Date Sent: 2020-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-24
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I bought a pan from XXXX, and they sent four boxes I did not order. I returned all the boxes to XXXX and they credited my account. But Discover card sent bills from XX/XX/XXXX until today. The last bill dated XX/XX/XXXX is asking to pay XXXX
Company Response:
State: IL
Zip: 60089
Submitted Via: Web
Date Sent: 2020-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-24
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: On XX/XX/2020, I ordered groceries from XXXX XXXX XXXX XXXX. The groceries were not delivered despite the driver saying they were. I called XXXX to inform them of the failure to provide me with the groceries I paid for using my Discover card. XXXX sent an email saying they would credit the account due to the fact that I have security ( a gate with a security guard as well as cameras ) at my home and could prove the driver never arrived with the groceries. After waiting for several days for the credit to appear on my account, I decided to call Discover. I filed a dispute and attached the email from XXXX showing the refund that they never gave me. It is now XXXX and Discover is refusing to return my money for the groceries I never received from XXXX despite being in possession of the email showing the refund that was never issued. I am asking that Discover send me a check or money order for {$220.00} on or before XX/XX/2020 for the groceries I paid for and never received.
Company Response:
State: FL
Zip: 34119
Submitted Via: Web
Date Sent: 2020-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: On XX/XX/2020 a DISCOVERBANK account ending in XXXX with an available credit limit of {$14000.00} was removed from my credit report by all the agencies. On XX/XX/2020, it was reported that there were two payments made automatically by XXXX XXXX without approval. On XX/XX/2020 a charge of {$74.00} and on XXXX a charge of {$200.00}. These were not supposed to be charged to the Discover credit card ending in XXXX. A dispute was created, but as of today, this account and its available credit limit and the time I have had it has been removed, thus reducing my overall credit score. I have spoken to Discover Card and they could provide no information. After numerous attempts to file a dispute with XXXX, I could not file a dispute to end this and put this credit back onto my score reports. Please assist me! XXXX XXXX XXXX XXXX XXXX
Company Response:
State: IN
Zip: 463XX
Submitted Via: Web
Date Sent: 2020-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
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: This account is really confusing me. The report is charged off yet when you look at the payment history, XXXX is reporting all OK payments vs XXXX reporting all CO remarks. How did that came to this? I would like to report this inaccurate report and have this taken out of my account.
Company Response:
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2020-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
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 have purchased travel tickets during the winter for the travel in XXXX. Due to Covid, all flights ( 4 international tickets for my family ) have been cancelled. I have opened a dispute because the travel agency refused to refund the tickets. They were ignoring all requests and not refunding for months. Finally, got 3 out of 4 tickets refunded in XXXX and then received a note that the 4th ticket is not being refunded through Discover because they need more " proof ''. I do not understand what other proof they need, yet I have spend more months calling the travel agency and finally was able to get a written confirmation that they are refunding all 4 tickets. It has been over a month since then. Discover is still investigating the 4th ticket. I have called weekly and they refuse to connect me to a supervisor. Magically a supervisor is not available week after week and never calls back. I want to close this card and pay it off, but I can not do this until the dispute is finalized and I am refunded the last payment of {$1000.00}. Please help me, Discover has not been supportive and has not been my advocate through this difficult situation and has not assisted me through this dispute. They have put all the pressure of chasing the travel agent myself and did nothing to get my money back. They are not providing an escalation point and have received all necessary " proof '' for the full refund. I don't know what else to do to get my money back for the travel that never occurred because all flights were cancelled.
Company Response:
State: CO
Zip: 80015
Submitted Via: Web
Date Sent: 2020-10-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: This was done the year of 2018, I had opened several credit cards. Lets start with the one from discover, it was meant for school purposes. but I needed to use it when I went on a trip for an emergency. little did I know a few charges where pending for school causing my card to be maxed out when I checked and thought I was in the clear. However, the card was still able to process beyond the amount that was on the card and the company hand blamed me. when the card should of been denied when being used, however it was not. so the amount exceed far greater the amount I could spend on the card. The other two card are from XXXX XXXX, this one was the shocking because I had entered my banking information to pay it automatically. but when the information was entered it said I violated my policy closing both my accounts. however, the violation was that I did not enter the correct Information from my bank, that is what I was told of this violation. Which made not sense to me. The other card I had was premier one card and that card was closed because I made to many payments in a month which made no sense to me. because I thought that is exactly what you are suppose to do for a credit card. However, they wanted more information from me through fax and which I did but never did because it was closed. The other card I Had was bank one. I made a payment and then they closed my account without my acknowledgement.
Company Response:
State: TX
Zip: 79904
Submitted Via: Web
Date Sent: 2020-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
Issue: Getting the loan
Subissue:
Consumer Complaint: I am a client of Discover Credit Card for a few years, and have always paid my card on time. I received an invitation to apply for a Personal loan or Debt Consolidation loan. I called a few times to ask questions of 2 reps to make sure the credit was dinked but it was a soft credit pull. They both said yes, and I could just proceed to see if I was approved, the mininimum credit score was XXXX I was given, and have a copy of it, and minimum income like XXXX. I didn ; t realize they use 5 credit bureaus and not the traditional 3 I was told I had Collection on my report, which I DO NOT and keep in mind no credit bureaus are to report past 7 years for any debt if negative. I am attaching the Letter I sent to discover and also their information to me. I have sent request to the additional bureaus to send me what is on my report that is incorrect. My questions for Discover : 1 ) Why was I turned down when I had a required credit score? 2 ) Why am I being turned down with balance too high on revolving accounts when the loan you offer is to remedy that??? 3 ) Did Credit scores requirements change with Covid? 4 ) ARe you discriminating against me as I am XXXX? 5 ) why do you use obscure credit bureaus that the Average person doesn't normally use? 6 ) Why are you baiting good customers like me when you don't approve it? Please see attached and let me know what they can do to offer an approval.
Company Response:
State: GA
Zip: 30076
Submitted Via: Web
Date Sent: 2020-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A