Date Received: 2020-10-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is multiple business credit card inquiries on my credit report. I only applied for a XXXX XXXX XXXX XXXX on XX/XX/2020 and now there is inquires from other Banks.
Company Response:
State: CA
Zip: 91733
Submitted Via: Web
Date Sent: 2020-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Last year I was approved for a Discover Secured Card. After I sent Discover the deposit my credit card was mailed. Next thing I know Discover closed the account and they didnt even send me a letter. Since then I have tried to apply for a new Discover card and each time I apply it declines stating previous experience with Discover.
Company Response:
State: FL
Zip: 333XX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I file a report with XXXX and XXXX on two accounts they are reporting on Discover and XXXX Mortgage both accounts are Fraud. I send documents to both XXXX and XXXX. They are both violating my right under tile 15 The 609 letter was sent to both companies on XX/XX/18 XXXX.
Company Response:
State: TN
Zip: 38135
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: Discover has been dragging my dispute out since XX/XX/2020, which they have made a final conclusion on XX/XX/2020, despite incontrovertible evidence showing that the merchant was paid twice and was supposed to refund the amount back to my card ; in other words Discover was supposed to credit back the amount that was charged to my credit card by the merchant because the receipts showed that my company had paid the merchant ( XXXX XXXX ) for my stay. To give more clarity, this was a 'paid by other means ' dispute for which I had to prove through documentation that the merchant was paid twice. I provided said documentation by sending XXXX receipts which showed the account it was paid out of, the merchant it was paid to ( XXXX XXXX ), and the date/time it was paid which also outlines it was the same day that my credit card was charged. I had followed up every other week to check on the status of this dispute and every time I spoke with a representative I was told a supervisor would give me a call within 72 hours. Some representatives gave a slightly different narrative and said a supervisor would call me within 24 hours, or 48 hours, and even in some cases I was told they would get back to me within a week. 5 months later and I was still waiting on a phone call. They have been ducking and dodging me for the past 6 months now while I've been struggling and diligently calling to push for a resolution because I had submitted all of the requested documents. When I was finally able to get a hold of a supervisor a few weeks ago, he had expressed to me that " if I was part of the back office and I had reviewed your case there would have been no question that I would have decided in your favor '', but unfortunately it wasn't his decision even though it should have been because he stuck to the facts of my case, and those facts are that I had sent in receipts and even had my company send a letter stating they had paid for my stay at XXXX XXXX and therefore my credit card should have been adjusted to show a refund. It bewilders me that Discover would make a decision in favor of the merchant despite me providing proof for me case. It almost seems like Discover bank is in the business of protecting the merchants and not their cardholders nowadays. Anyway, I will attach all the documents and receipts below that argue for my case.
Company Response:
State: NC
Zip: 28273
Submitted Via: Web
Date Sent: 2020-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I got scammed out of around XXXX dollars, I filed a police report and everything so they wouldnt close my account, but they closed it anyways. They said they have protections from issues like this, but didnt offer any help what so ever. I do want this off of my credit report so I can build back up my credit, but I would like to not have to pay this debt because i called them three times in advance to ask their advice and every time they said go ahead. I really want this off my credit report but I would love to not have to pay this, because they are supposed to have protection for scams like this.
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2020-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-22
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 documentation that supports the fact that the activity on my Discover card on XX/XX/2020 was fraudulent. The 22 charges that were made on my Discover card that day Included 21 charges to XXXX in XXXX XXXX, FL ( 10 transactions for {$950.00} and 11 transactions for {$100.00} ) and one charge of {$1.00} at XXXX XXXX XXXX XXXX, FL. This totals to {$10000.00}. This is a case of classic fraud. There would be no reason for me to make 22 charges of the exact same amounts on the same exact day at the same exact store. In addition, all of these transactions took place in XXXX XXXX, FL and I reside in XXXX XXXX, IL. I have documentation proving that I was at my job at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, IL on Friday, XX/XX/2020 thus proving that I was nowhere near the Florida ( where the fraud activity took place ). The documentation shows that I attended two professional development sessions on that day. At my job they keep track of the employees temperatures and when they entered the building. I called XXXX XXXX and they said they can try to look up surveillance footage, receipts, etc. to show that I was not the one making those purchases. They requested that Discover Card contact them and speak to their Bank Card Service Team. I did not authorize any of the charges on XX/XX/XXXX. According to my XXXX phone, I received a call from Discover Financial. When I received this call, my caller ID stated that it was Discover Financial. When I answered the call, I was told that my card was compromised and that I had fraudulent activity on my card. I told the man on the phone to cancel my card because I was not the one making those transactions. He then said he needed some information from me in order to cancel the card. I do not recall exactly all the information he asked for, but I did not give him my full card number or my social security number. He then told me that a text would be sent to my phone with a code that he needed that would allow him to close my account. I received a text from XXXX and received a code ( XXXX ) at XXXX and I told him the code. When transactions kept appearing on my account and exceeded my credit limit of {$10000.00}, I was very confused and concerned. I called Discover and told them that I dont know why but there was still activity on my card even though it should have been closed. They looked in their system and told me that no one tried to close the account. Instead, someone verified that all of that activity was valid. I DID NOT do this. I told the woman that I requested to close my account, I made it known that I was not making the charges, and that I do not recognize and do NOT authorize any of those transactions. The representative made note of it and then closed my Discover account and said I would be getting a new card in the mail. Please let me know if you need me to provide you with any more evidence proving to you that I did NOT authorize anyone to use my credit card, I did not make those purchases and I was not even in the same state of where those purchases took place. Thank you for your consideration.
Company Response:
State: IL
Zip: 60047
Submitted Via: Web
Date Sent: 2020-10-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-22
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 is a continuation of Complaint/case number XXXX. In the response from Discover on XXXX XXXX, 2020, they claim that the transaction was resolved and that a credit was posted to my account. To refresh you, I was trying to receive a refund for a cruise trip that was cancelled by the cruise line. The cruise line was violating the federal law and merchant agreement by not promptly returning the money I paid. In Discover 's letter, they claim that the refund was posted to my account. However, since the letter was written, Discover reposted the charge of {$4100.00} back on my account. When I called them about it, the claim that I am not due a refund and can not find the refund that was sent from the merchant, even though I have faxed to them paperwork from the merchant with the refund transaction information. I have made several calls to the individual who signed the XX/XX/XXXX letter, however, their voice mail box is always full and messages left in the generic voice mail box have not been returned even though they state that they will do so within one business day. Thank you.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2020-10-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was traveling home from XXXX went through XXXX and was forced to make charges on my credit cards {$1800.00} Discover approx. {$1800.00} XXXX XXXX XXXX. A man posed as XXXX/taxi driver, another guy jumped in at airport and we picked up a third man later. Pretty sure the men put something in my drink during the evening and when I asked to leave was told I could not basically I was XXXX. I did not have working cell phone because it was turned off while I was in XXXX. The 3 men made me buy nearly XXXX of some sort of tickets/cards from two separate gas stations and tried to get me to take more money directly from the cards using ATM before finally taking me to the airport to catch my next flight. I never touched the items bought, the three men kept all of the cards/tickets! Filed reports with Dept of State contacted Credit card companies to let them know situation. My flight originated in XXXX and landed at XXXX on XX/XX/XXXX at XXXX XXXX at approx XXXX XXXX local. My next flight XXXX was scheduled to leave XXXX at XXXX XXXX on the XXXX. The credit card company asked me to contact the XXXX police which I did XX/XX/2019, XXXX Police ref # XXXX. In short the credit card companies Discover & XXXX XXXX XXXX are billing me for unauthorized charges, I did not authorize three men posing as XXXX/taxi drivers to force me to give them me credit cards and steal the items. I am XXXX and the credit card companies Discover & XXXX XXXX XXXX are charging me fees, late charges on the unauthorized charges and ruining my credit. I was deployed to XXXX beginning XX/XX/2019 and just came off of XXXX orders. Any help you can offer would be greatly appreciated.
Company Response:
State: VA
Zip: 243XX
Submitted Via: Web
Date Sent: 2020-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
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 bought swimming pool motor from a company at XXXX but the motor has stopped after four month and since the motor has one year warranty I talked to the company about it, they said I should talk to the manufacture company XXXX XXXX XXXX XXXX, I talked to the Manufacture about the case and they told me the seller company should contact us all warranties work through the seller companies and I forwarded their email to the seller company and the seller company repeated the same answer " we can't do anything contact with the manufacture '' they said.And then I disputed this amount of purchase which is {$190.00} however Discover card found this charge valid despite i sent them all the needed documentations.
Company Response:
State: TX
Zip: 75094
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Upon reviewing my credit report, I discovered that XXXX XXXX incorrectly spelled my address, thus as a result, I did not receive my billing statement and was inadvertently late on a payment. As a result of this, this cause severe harm to me as well as punitive damages. XXXX XXXX also incorrectly listed my address on my billing statement. Again as a result, my statement was not recieived and my payment was inadvertently late.
Company Response:
State: MD
Zip: 20601
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A