Date Received: 2020-10-19
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: 2020-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: there were fraud charges and discover closed my ACCOUNT not my card, and my credit history was reset.
Company Response:
State: NY
Zip: 10009
Submitted Via: Web
Date Sent: 2020-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I previously unlocked my credit report to obtain a XX/XX/XXXX business credit card, for my business however i noticed some one tried to open a discover credit card in my name not knowing i alreday have a discover credit card i did not authorize no one to use my name for a discover card or nothing
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: An account was opened with the creditor on XXXX/XXXX/2019 and an amount of {$7600.00} was used fraudulently by whomever opened the account. I am a victim of Identity Theft and I have supplied the CRA ( credit reporting agency ), creditor, and law enforcement all relevant information, and yet, Discover Financial Services has failed to thoroughly investigate, and remove me from liability. They are in contempt of FDCPA guidelines and continue to fail to adhere to proper ethical banking standards.
Company Response:
State: CA
Zip: 91791
Submitted Via: Web
Date Sent: 2020-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-17
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Discover Card offered me a drastically reduced interest and balance amount on more than one occasion. I agreed to the terms on more than one occasion. Discover Card will not honor their offer without access to my checking account to automatically deduct payments. I was enrolled in this in the past and am left with massive, unfounded charges when I notified them four months in advance that I would be closing the checking account and would be willing to provide the new account number. Discover Card did not comply, would not even provide me a written monthly statement via mail, and charged me massive late fees and interest. I received exactly one written statement in the last 6 months and have continued to make payments. I have notified them, again, that I never received the " offer '' that was presented to me. I notified them in writing 4 times that I am entitled to receive a monthly paper statement at my current address which they have and use when it suits them. I have asked numerous times for my full account number as I pay my bills electronically. To date, Discover Card will not even provide me this information. I need my account information, monthly statement mailed to me, and would appreciate the offer made and accepted by me twice.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: ON XXXX An Account was opened with Discover card Services. I applied for credit at the Time in Which my account was Approved and Opened With. Credit a Limit Of XXXX On XXXX XXXX I received a call from the verifications department to sign a XXXX verification form which I signed the verification was spent back from the IRS for inaccurate information because the application did not list the Apartments number and previous address information. A second verification letter was sent out on XX/XX/XXXX by a representative XXXX and he made a mistake or error because he failed to indicate the proper information such as address and apartments number so that it can be verified with what is listed with the IRS. On XX/XX/XXXX I was informed the account was going to be closed without reason. I feel verification failed to enter information on my behalf. Verification failed to enter apartment number on XXXX correspondence which caused the account verification to failed the second attempt. Im requesting CORPORATE COMPLAINTS TO LOOK INTO THIS MATTER and respond back with proper reasons to why my account is closed and provide documentation to their decision with accurate information for a closed account.. The information that was submitted to XXXX for the IRS verification was not correct correspondence. At the time of my credit pull I was approved and deemed Eligible. At this time Im asking the department to look into this matter and correct the matter and Mistake on Discover Verifications department. I can be reached at XXXX
Company Response:
State: FL
Zip: 33323
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-15
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: The Fair Credit Reporting Act states : Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. - I opened a Discover Card account in XX/XX/XXXX - The account went to charge off status in XXXX - I paid the charge off amount, I'm uncertain of the date - The negative account 's age is beyond 7 years and thus should be removed, especially considering that there's no money owed - I disputed the account, and it was deleted in XXXX of XXXX - 3 months later, the account reporting re-appeared - I disputed the account again, Discover or XXXX is refusing to remove it - The account is removed from XXXX and XXXX, it only reports negatively to XXXX
Company Response:
State: IL
Zip: 60517
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Discover offered a balance transfer with zero percent financing for 18 mos. I applied and was approved on XX/XX/2020, received email verification. Prior to receiving an actual card with terms and agreement Discover open an account, processed the balance transfer. I attempted to make an immediate payment but was blocked by Discover and told an account number was required to open an online account, I can only obtain account number from the actual card which I had not received. Discover claimed the card was sent regular mail with a tracking number and their package did not require a signature. I informed Discover I did not receive card and tracking is showing mail was being held at the Post Office. Discover refused to contact post office to see what was going on, and/or issue new card told me to wait. Thirty ( 30 ) days later I still do not have the card, Discover is refusing to set-up an online account on my behalf and had not resolved this issue with full knowledge a payment is now due. Discover is engaging in an deceptive business practices to generate late payment fees and interest. I want CFPB to enact or enforce laws to prevent this type of blanant deceptive business practices.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-15
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: The last four digits of my new Discover it card number is XXXX. I called the bank a couple of months ago in XXXX, provided the bank with my temporary overseas address so they could send me my credit card. The manager from the credit card department at the time put the wrong address in the system due to which the card never arrived. On XXXX XX/XX/2020, I again called the bank and spoke to a manager from the credit card department named XXXX. XXXX updated my address and confirmed that she will get my new card mailed to me. After speaking with her, I logged in to the Discover App and noticed she has left the State and ZipCode completely blank, under City she has put the name of the country, and on the second line of the address the name of the city is completely missing. I again called Discover Bank on the same day XXXX XX/XX/2020 after XXXX minutes and spoke to a XXXX named XXXX. XXXX said the bank does mail cards to foreign addresses but the banks policy and system does not allow a foreign address to be put in proper order and therefore chances of me receiving the card is slim. He said it is the bank 's policy! If thats the case I would have to say this is the stupidest bank in the entire planet. On XXXX XXXX I again called the bank and spoke with a manager named XXXX. I asked the manager that this female manager named XXXX on XXXX XX/XX/2020 had sent the card in the wrong address because the address I see on my app is all wrong ( as I have mentioned to you before ). To my surprise, XXXX informed me that no card was mailed out on XXXX XXXX ; he informed me that the last time the bank mailed out a card to me was in the month of XXXX which never arrived anyway ( like I have mentioned to you before ). So basically the manager XXXX just lied on the phone, she never mailed out the card to me ( and she also put my address in the wrong format in the first place ). XXXX also said the address can indeed be put in the proper order which he apparently did, but before he could put the address in the banks system he asked me to confirm the security code which he has sent via email. There was a delay in receiving those emails due to which he said he can only send the security code via text message. He said he can send the security code to a foreign mobile number I kept holding the call. After a few moments he said it had gone out of his hands and transferred the call to the fraud department. The fraud department lady said she can not send the security code to any foreign phone number but only to a local US number. I told the lady that I have already informed the manager that at this time I do not have access to my local US phone number and that the manager has already confirmed to me that the bank can send the security code to a foreign mobile number. The lady said she cant do anything. I asked her to send me the security code via email again to which she said she cant do that either due to security reasons and thats the bank policy. Then she asked me to disconnect the call and call the bank again so the next manager or operator might be able to do it. So the banks security policy depends and changes from manager to manager. Under the name of so called policy, I became a big subject of harassment during that call. I again called the bank on XXXX XX/XX/2020 and spoke to a manager named XXXX. She first confirmed my identity via sending me a security code via email. Then she said the banks policy doesnt allow her to put a foreign address in proper format and according to her not receiving a card in mail due to the bank being unable to update the address in proper format, the bank is not responsible for that. She said she can mail the credit card out to me in the wrong address that she has got on my profile. Reference number for one of the above calls is XXXX. I dont have the reference number for all the above calls because only XXXX of the managers provided me with the reference number. The remaining managers I spoke with refused to provide me with the reference number for those calls due to again so called the banks policy. This is the craziest and stupidest thing I have ever experienced with any bank in my whole entire life. A bank saying their policy doesnt allow them to provide a reference number for the phone calls, a bank saying their policy doesnt allow them to update a foreign address in the correct format so I cant receive my card.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Several months of not being able to transfer funds, have complained several times to discover bank, still no transfer available
Company Response:
State: AZ
Zip: 85730
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A