Date Received: 2020-10-12
Issue: Other features, terms, or problems
Subissue: Problem with cash advances
Consumer Complaint: Contacted Discover to set my cash advance limit to XXXX, effectively disabling this use. I don't want the possibility of merchants or, if the card is stolen, to get cash. I was told by customer service this is not possible, and no alternative was given. I saw a statement just a few months ago from Discover public relations, XXXX XXXX, saying it is possible to set it to XXXX : XXXX XXXX XXXX Was this statement incorrect? Or modified right after advertising it? The Discover It card was my number one card a few years ago. It lost all of its benefits, and now I only use a few times a year when there is a reason to. It is unfortunate the good managers ( seems to have ) left this company.
Company Response:
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2020-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I contacted Discover Credit Card regarding an erroneous {$500.00} transfer from my account that occurred on XX/XX/2020. They determined it was fraud and credited my account. They cancelled my card and gave me a new account number and card. XX/XX/2020 the {$500.00} was credited. XX/XX/2020 {$500.00} was erroneously taken out. XXXX it was credited back to my account. XX/XX/2020 {$500.00} was taken out again. XX/XX/2020 it was credited back to my account. XX/XX/2020 again {$500.00} was taken from the account. XX/XX/2020 they charged me a late fee and interest AFTER I had closed the account and was assured this was taken care of. Each month I have called Discover and each time I talk to 3 to 5 representatives taking about an hour of my time. Each time I was told it was corrected and it would not happen again. I finaly froze the account, but after another erroneous {$500.00} withdrawal I told them to close the account. I was assured they would correct this. They have not as of XX/XX/2020.
Company Response:
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2020-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have incorrect inquires on my credit report that are were not authorized. They have negatively affected my credit report. Below are the unauthorized inquires. XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX/XXXX -- XX/XX/XXXX XXXX/XXXX -- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX/XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX
Company Response:
State: CA
Zip: 93535
Submitted Via: Web
Date Sent: 2020-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hello, on XX/XX/XXXX I received a notification that Discover updated my payment information on my XXXX Reporting from past due XX/XX/XXXX to current. However all 3 bureaus were not updated so I sent a request to have all 3 bureaus updates. On XX/XX/XXXX, I received notification that Discover had removed the positive payment history and reported the negative history again. I feel like this was a very bad experience and that Ive been discriminated against. The decision to add back negative historys UNJUST, negative and has violated my consumer rights and is hurting my credit score.
Company Response:
State: VA
Zip: 23112
Submitted Via: Web
Date Sent: 2020-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Around mid XX/XX/2020 I called Discover to dispute a charge of {$760.00} on my checking account ( debit card ) which was made from XXXX on XX/XX/2020 due to services not rendered. The representatives refused to help me dispute the charge every time I would call saying it was against their regulations to dispute this charge. I did call back around XX/XX/2020 and asked them to dispute it due to fraud. They disputed it, but later denied it on XX/XX/2020 and reversed the provisional credit. I feel this is negligence on Discover for not allowing me to dispute a charge when I did not receive the services which is considered fraud. I would like to dispute this using charge back code XXXX for services not rendered. I also feel it is discrimination and unfair because I used my Discover credit card to pay XXXX and they disputed and approved my refund. However, the same bank wont do the same on my checking account I have with them which is contradictory. Please assist with this matter.
Company Response:
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2020-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have unauthorized hard inquiries that are hurting my personal credit. They are incorrect and I am unfairly being punished for them.The inquiries are from the following : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Discover ( XXXX ) XXXX XXXX XXXX XXXX, XXXX Discover, XXXX Discover, XXXX Discover, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX )
Company Response:
State: CA
Zip: 93535
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-10
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: XX/XX/2020 Discover it Secure Credit Card, issuer of the Discover Card, at XXXX. XXXX XXXX, XXXX, DE XXXX. Discover it Secure Credit Card Dear Discover, I would like to ask you to reconsider my Discover it Secure Credit Card application. I recently applied and I was rather surprised to receive a denial regarding my secured credit card application because essentially and according to your website I was suppose to be guaranteed approval. According to your website, the Discover it Secure Credit Card requires you to place a refundable security deposit that serves as your credit line. In your letter, you listed that the reasons for the denial was because there were too many revolving credit lines. However, I have over 100 plus on time payments. My reasoning for choosing this card was due to the numerous positive reviews shared by my family and friends with respect to this card, and its great credit building tools for people with limited or bad credit. The reason for the acquisition of the Discover it Secure Credit Card is it will prove especially useful to me and help to improve my credit score and build credit over time, thus making certain types of transactions possible which would be advantageous for me. I sincerely believe that I deserve a chance with the Discover it Secure Credit Card so I can prove to you my reliability and loyalty to this institution. I thank you for your time and reconsideration and I hope to hear back from you soon. Best,
Company Response:
State: TX
Zip: 77006
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-10
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: XXXX XXXX account have 2 late payments reporting and I've never been late on any of my XXXX XXXX accounts and I have 4. It is showing XX/XX/2018 and XX/XX/2018. I need these late payments removed immediately because it is inaccurate and I've spoken to them and they would not remove it.
Company Response:
State: NY
Zip: 11225
Submitted Via: Web
Date Sent: 2020-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This Collection agency XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX, started to contact me by phone to harass me about a debt and also just followed up with a letter. They have not yet validated the debt. I did request via, email, fax and regular mail that they validated the debt they claim I owe before they continue to harass. I'm also concern that since they use unethical practices they will attempt to report this unvalidated debt to the credit reporting agencies. I want them to cease any debt collection until they can validate the debt and allow me to review all the documents that they will provide.
Company Response:
State: CA
Zip: 91403
Submitted Via: Web
Date Sent: 2020-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I mailed out my payment to Discover on the XXXX and no later than the XXXX of each month. I know it does not take 6 TO 7 days to receive the payment. Even if the payment goes to XXXX XXXX XXXX Utah, which is where Discover is located. They purposely wait 16 days to clear my card. I had this same problem last month. So I am re-reporting Discover for continuing with the same lousy payment problem I have had in the past with Discover Card. They don't take the payment until 16 days after it is received. Two months ago I was charged {$35.00} because Discover Card did not take the ACH Payment on the XXXX as I told them to do so. Today I was embarrassed at XXXX XXXX when I could not pay for a battery for my wife 's battery operated door opener. ONY DISCOVER DOES THIS!! TAKING 16 DAYS TO CLEAR MY CARD. NO OTHER CARD EVEN THE BANK 'S ATM CARD DOES NOT HOLD UP PAYMENTS FOR 16 LONG DAYS. IT LOOKS LIKE THEY JUST DON'T GIVE A XXXX HOW RUDE THEY TREAT THEIR CUSTOMERWS.
Company Response:
State: NJ
Zip: 08755
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A