Date Received: 2020-10-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I opened a Discover account in XXXX. I had a single late payment ( not 30+ days late ), and they closed my account in XXXX. The account was open for around 12-13 months at the maximum. Discover sent me a notice saying that they were closing my account in XXXX. At that time, I submitted a complaint and did not receive a satisfactory response. Fast forward to today, and I filled out a " pre approval '' form for a Discover account. I received a message that my approval was denied due to the " status '' of a current or previous account. Knowing that my account was never seriously delinquent and was paid in full, I messaged Discover to see if I could figure out the issue. After over one hour chatting with Discover, I was told that my account status reflected a 148 day past due status. That is simply not true, and there is something in their records that is factually accurate. The chat representative refused to take my complaint, refused to escalate me to anyone else, and disconnected the chat without resolution. Specifically, I need to know why my account reflects a 148 day past due status when I was never even close to 30 days past due. I also would like to know why I have been declined for credit incorrectly.
Company Response:
State: MN
Zip: 55432
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I pulled my credit reports and I'm showing two missed payments on my credit from Discover SL. I am still in school and am not due for repayment right now. I've spoken with them numerous of times and they promised to update and remove those missed payments and they have yet to do so. I am frustrated at this point and have no idea who else to help me besides filing a complaint.
Company Response:
State: AL
Zip: 363XX
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Discover Card decided to close my account on XX/XX/2020 without giving me notice or a reason other than inactivity on the card for one year. I use the card for emergency purchases and fortunately, haven't had to use it this year. Now I have one - XX/XX/2020 - and was surprised to discover my card was declined. Looking into it, Discover Card had decided to close my account - without notice or my consent. Lenders and credit scoring do not like to see short-term lines of credit. This will impact me negatively credit-wise and that I do not have emergency funds right now when I need them. I'm a good, conservative consumer and now I am being penalized by this company for it. They also said to reopen I would need to reapply. Another ding on my credit for a credit inquiry and questions from creditors why? I'm not going to do that.
Company Response:
State: UT
Zip: 84025
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
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: I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
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 purchased kitchen pulls worth {$220.00} from XXXX XXXX via XXXX using my Discover card on XX/XX/2020. This vendor uses XXXX as a selling platform for her merchandise to US customers through XXXX. This fact was unknown to me including her location which is mainland XXXX. When I asked to have the merchandise returned because they were the wrong size, she gave me instructions to mail it directly to an apartment in XXXX and not to indicate that it is a return because she does not want to be charged a tax or something. She also said she would refund it including my mailing cost of {$74.00}. When I finally mailed it to her, she changed her tune that she was only refunding the mailing cost to me ( note that the shipping was free of charge, so no cost identified at all ). I also filed a billing dispute with Discover to get the refund. After all the back and forth negotiations, Discover refuses to refund me despite showing them my USPS receipt, tracking number and the shipping declaration. Their reason -- I have to show proof of receipt by the vendor. Note that USPS informed me at the time of my mailing that USPS can not track the final destination inside XXXX because it is a XXXX country. The tracking can only show the port of entry in XXXX. I have tried to ask XXXX to intervene but the vendor tries to sidetrack the issue by first saying that the amount was deducted from her account, failing to mention that she received the credit after the temporary refund was rescinded because I could only show the mailing receipt and tracking form but not proof of receipt by the vendor. To date, XXXX could not get any clear response from the vendor whether she received it or not. Based on all my due diligence of returning the items, it is very unfair that the merchant gets to keep her merchandise because there is no power from the U.S. to force her to show proof that she did not receive the items, and I have spent over {$300.00} for the cost of the goods and return shipping for nothing. I would like the US Department of Finance to help me get my refund and the cost of mailing from the vendor or from XXXX because I have ended up being defrauded by a vendor in XXXX being sponsored by XXXX. I am attaching the receipt from the vendor, the USPS receipt, the tracking form, the shipping declaration, and the back and forth emails between me, the vendor, and XXXX. I look forward to your kind help, support, and consideration. XXXX XXXX XXXX ( XXXX XXXX XXXX
Company Response:
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
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 contacted Discover back in XX/XX/2020 and froze my account. I contacted them again at the beginning on XX/XX/2020 to report my card as lost or stolen. I then contacted them in mid XXXX because XXXX and XXXX XXXX charges were being billed to my account that I did not authorize. Discover told me that they could not stop recurring charges even if I did not authorize them and told me to contact the merchants. I contacted the merchants in XX/XX/2020 and they told me that they would not stop the charges since I was not on the account, even though it was my credit card being used. I contacted Discover back and they told me to dispute the charges. Discover then found in favor of XXXX XXXX XXXX. I do not have an account with XXXX XXXX XXXX, I do not have a storage unit with XXXX XXXX XXXX. Before XXXX, I did let a XXXX XXXX use my card to pay for a few things, but did not authorize him to use it after XXXX. Neither Discover or XXXX XXXX did anything to help me stop the charges even though I begged them and explained the situation multiple times. In fact, I have not even activated my new card.
Company Response:
State: TN
Zip: 38122
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/20 I logged into my discover account to find the credit limit on both of my credit cards severally reduced ( over 60 % on one and over 75 % on the other ) with no notice or explanation given prior to contacting the creditor. When I did contact them they stated talking points " from to time we review credit worthiness '' ( and so on ) but ultimately it was due to a collection account that was placed on my record ( which has been disputed ). I have never missed a payment on my discover cards or any of my credit cards/loan payments. I have a flawless payment history yet when a credit agency that is known for deceptive practices places an inaccurate and/or fraudelent record on my account they jump ship like snake oil salesmen after a town is bled dry. The detrimental impact is the following : My credit report will now show that a creditor reduced by available credit, if I try and get another credit card it will impact my overall credit rating, and I had XXXX presents for family members already pre-ordered with those cards that can no longer be purchased due to being sold out completely ( one of the gifts was for an XXXX servicemen who is currently XXXX ). It's unfortunate that during a global epidemic that this company not only took these actions, but took them against a customer who did nothing wrong ( again, no late payments of any kind ) and their customer service and account specialty department did not care whatsoever.
Company Response:
State: TX
Zip: 79423
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I told them they have the wrong number and the person they are looking for does not live here, has never lived here and I have never even heard of this person.
Company Response:
State: MS
Zip: 392XX
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I was the victim of fraud on XX/XX/XXXX. An individual stole my mail and intercepted my new, unactivated Discover card, and then called on the XXXX around XXXX XXXX PST to Discover trying to activate it. The individual eventually succeeded and spent about {$1300.00} on the card. I discovered this fraud when a representative called me a couple days later asking about the charges. I went through each charge with the representative and verified or denied the charges. The representative then informed me this fraud was resolved and that I would not be responsible for the charges. However, I received a call from the Discover Fraud department last Friday asking for additional documentation to assist the investigation - specifically, records from XXXX. I attempted to procure the documents but was told repeatedly from XXXX that for legal reasons the documents could not be provided. On Tuesday, XX/XX/XXXX, I spoke with an individual named XXXX from the Discover Fraud unit around XXXX XXXX. I believe he said his supervisor was named XXXX or XXXX. When I informed him that I was unable to get the documents from XXXX, he informed me that my inability to do so might result in the " investigation not being found in my favor '' and that I might be " rebilled '' for the charges. He said those exact words repeatedly, multiple times. Discover has a written policy called " {$0.00} Fraud Liability Guarantee, '' stating that a customer will never be responsible for " unauthorized charges, '' which is defined as transactions not completed or authorized by customer. I clearly went over the charges with a Discover representative and verified every charge. I do not believe I am in the wrong here, and in fact believe Discover should be held liable, as they authorized this individual to use my card without my consent. They still have not been able to tell me how exactly this individual was able to activate my card. The policy clearly states that I will not be held liable for unauthorized charges, and yet the Fraud department, specifically XXXX, stated that I might be responsible if I could not provide additional documentation. I was extremely upset from this interaction and called Discover back, wishing to file an official complaint and close my account. I spoke with someone named XXXX from Fraud, who apologized and stated that the policy was indeed accurate and that XXXX had spoken incorrectly. I was quite shaken from this incident, as I had already had my phone and credit card compromised, and Discover was not only making me feel as if the burden of proof was on me, but was also telling me information directly contradicting their written policies and marketing. When a company advertises a policy on their website with big letters and explains it in detail in the FAQ, one should expect the policy to be upheld and even promoted. And yet the interaction with XXXX from Fraud left me feeling lied to, disrespected, and embarrassed. I was made to feel like a criminal, when in fact I believe Discover committed the error by somehow allowing this individual to bypass their " security '' and activate this card without my consent.
Company Response:
State: CA
Zip: 90015
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2020 I submitted the following complaint to cfpb against discover. YOUR COMPLAINT ( I applied for a Discover Card a few days ago and was approved immediately but wanted me to call them. After I called them, they asked a few questions like my previous address and wanted to call me on the phone number that I provided to them and then told me I am accepted and will get the card soon. The next day I got an email that they want my permission to call my tax return, so I did give them my approval. Now they want me to provide them with my three months of checking account statement, or they will cancel my credit card. Really? On top of that, they have put on limitations on my credit card. When I asked what are the limitations? A lady name XXXX said well, your credit card may not work in certain places. I dont feel comfortable giving my checking account statement to a credit card company. I think its unfair that they ask me all this verification information after I was approved for this credit card. If they wanted all this information, they should have done further investigation before giving me the credit card. I think it has to do with two things. One is my name, which is not a typical American name like XXXX, XXXX, XXXX. Somehow, they think I wont be able to pay my bills because I am an XXXX The second reason is that I am retired. I think it has to do more with classism and xenophobia. Their credit statement clearly says that they dont decide based on race or age, but they sure are in this case. If I am already approved for a credit card based on my good credit, then what seem to be the problem? If they canceled my credit card because I dont want to give them my account statement. I am filling a lawsuit against Discover for classism and racism. ) On XX/XX/2020 they responded through cfpb with the following : ( Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are efficiently addressed, your inquiry has been forwarded to my attention within the Executive Office of Customer Advocacy at Discover. We are firmly committed to complying with the Equal Credit Opportunity Act as well as all other applicable State and Federal laws and regulations. As such, it is our practice to consistently treat all customers equitably. We regret any dissatisfaction this situation may have caused you. According to our records, your above referenced account was opened on XX/XX/2020 as a result of an internet application received on XX/XX/2020. Per the terms of your Cardmember Agreement, all accounts are subject to review. On XX/XX/2020, our Fraud department spoke to you and advised you that we would be sending you an Internal Revenue Service Income Verification 4506-T form for the above mentioned account. In review of this call, it is noted that we requested your permission to access your tax files, however you explained you do not file taxes. As an alternative method of verification, our agent offered to have you send in three months of current bank statements along with the completed Internal Revenue Service Income Verification 4506-T form by XX/XX/2020. On XX/XX/2020, you contacted us for a status on the review of the above mentioned account. Our agent explained we have not yet received the previously requested information. You informed our agent that you decline sending us any documentation and should your account be closed you will move forward with legal action and the call ended. Please be advised as of the date of this response we still have not received the completed Internal Revenue Service Income Verification 4506-T form and three months of current banking statements, please be advised we must receive this information by XX/XX/2020, to avoid account closure. Thank you for allowing me the opportunity to address your concerns. Should you have any further questions, please feel free to contact me at XXXX XXXX XXXX XXXX. ) First, they are not honest in their response letter. I did permit them to access my tax file. An agent from Discover sent me a permission form to sign and send it to them through email to have access to my tax file, and I did send it to them through email. In their response letter, they also mention that I have till XX/XX/2020, to send them the rest of the information but instead, they closed my account on XXXX right the next day that they responded to cfpb. They wanted to punish me for complaining to cfpb. I am requesting to cfpb to investigate how Discover makes their decision on giving people their credit cards. My lawyer will also be contacting discover soon to find out on which bases they canceled my credit card before XXXX, XXXX? They have only proved me right by canceling my credit card, that they make their decision on the bases of race and class.
Company Response:
State: VA
Zip: 22043
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A