Date Received: 2020-10-06
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 applied for My Very first credit Card ( Discover ) thinking its a good way to start My credit history. I usually use of this Card for everyday expenses and mostly at XXXX. I have set auto payment monthly because i want to attain good credit history. And since I dont usually use this credit card, I just leave an auto payment per month. I rarely log in online and I have paperless billing option. Until one night ( XX/XX/2020 ) I received an email alert ( the Very first time since i have this Discover Card ), that My transaction was Declined. It was a XXXX transaction and I was shocked because I NEVER used this Card for any XXXX transaction. I only use My Debit Card. So i Logged in to My account and to My surprise, My bill was over {$3000.00} half of it was from XXXX transaction. I called right away and dispute these charges But Their decision was NOT on My favor. So i reached out myself with XXXX and they verified with me that I ONLY HAVE ONE CARD ON FILE, MY DEBIT CARD NOT DISCOVER CARD. So i called Discover again and told them about this, Few days later, I received a letter saying they can not do anything about it and they report this to the 3 credit Bureau. So, did getting a credit Card Help me achieve My goal to build a good credit history??? NOT AT ALL ... made it worst!! Wrong Choice of Credit Card company. In My opinion, Discover Card does not have a good security and protection for their clients most especially these transactions are almost like CASH transaction that needs increased security measures such as verifying the account holders TRUE Identity. I Will Never ever use this Credit Card again nor I Will recommend this. This decision made by XXXX Credit Card is XXXX. They also take part in this criminal and unlawful action. Thats why XXXX appealing to this agency to Assist me and investigate farther, something that XXXX credit company did not do. Please reach out to XXXX, look into My history .. and see if that relates to tge XXXX transaction that comes from this credit Card.
Company Response:
State: CA
Zip: 957XX
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-05
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have spent hours trying to sign on account and this has happened 5 times before-Discover does not reset password.
Company Response:
State: CA
Zip: 92345
Submitted Via: Web
Date Sent: 2020-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-05
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 or around XX/XX/2020, I initiated a dispute with Discover regarding a transaction in the amount of {$3000.00} from XXXX XXXX as a result of receiving a defective product. Essentially, the merchant did not provide me with what I ordered - a defective free product ; specifically, a sectional sofa. Nonetheless, Discover apparently closed the dispute according to my online account, but did not send me any correspondence or consider the information that I mailed to their post office box in lateXX/XX/XXXX - illustrated by the Return Receipt attached. To date, Discover representatives allege that they did not receive the documentation despite the fact that I have the attached return receipt. I called on or around XX/XX/2020 to follow up on the dispute as my online account reflected the dispute was closed. I requested to speak with a supervisor and was told one would get back to me within 24-48 hours. To date, I have not received a call back from a supervisor. I again called on XX/XX/2020 to check on the status of my dispute. I was told to fax in the supporting documentation which I did. I followed up again on XX/XX/2020, and spoke with a representative ( XXXX ) who communicated that the charge was still in the dispute phase and it would not go back on my account ; however, the charge is now back on my account. XXXX alleged to be a supervisor and assured me that he would monitor my account and the charge would not go back on my account. Today, XX/XX/2020, I spoke with XXXX ( XXXX ) who alleged to be a supervisor who communicated that they don't have any of the documentation I submitted. Ultimately, she was ineffective at communicating and did not resolve the matter. When I asked to speak with a supervisor above her, she alleged that none were available and nothing can be done about the transaction in question with no documentation confirming that the merchant promised me a credit. Ultimately, with that logic - Discover should not have disputed the transaction.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is to serve as part of an official legal statement for the request to get a compromised, fraudulent account removed from my credit file reporting to XXXX. I've been a victim of Identity Theft Fraud. The private investigators that I have hired have supplied me with suspect evidence including some of the transactions that were used with my identity and credit card information. There is also a fraudulent address tied to this account reporting from XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have NEVER lived in California. I have included that enclosed in the documents. Additionally, my credit information was used to purchase flights and I'm in communication with the airline which will be supplying me with suspect and passenger information so that I can press charges against the persons responsible and file a civil suit for damages, lost time and monetary damages. I will not quit until I get the information. I have also included FTC letter requesting to block the Data Furnishers - fraudulent data also the added Identity Theft Report. Per FCRA guidelines I have supplied this CRA with all the documents necessary to abide by Section 605B of the FCRA. I have conclusive evidence that my name, identity and credit information has been compromised in XXXX XXXX data breaches AND XXXX breach and since these data breaches that I've been a victim of, I've had a plethora of issues including receiving calls from scammers or people posing as bank officials. I have set up the highest level security now including passwords and have wiped my digital information for safety.
Company Response:
State: TX
Zip: 75080
Submitted Via: Web
Date Sent: 2020-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is not a duplicate complaint but a complaint of credit card companys payment policy. My credit card was stolen and because of Discovers payment policies the credit limit was exceeded and even doubled when bogus payments were made by the thieves which then bounced. Let me explain. The thief used the card up to the credit line and then called and made bogus payments as many as 4 times in a short period! And Discover kept accepting the payments and freeing the card to use. Discover never put a hold on payments like banks even when the thief used the same bogus account number multiple times. Discover surprisingly was not aware of this tactic until I brought it to their attention by requesting the method of payments. I am not responsible for Discovers 21st century payment inadequacies. We are in the year 2020 and it should be easy software to put a hold on a payment like banks especially when the same bogus account is used. Discover could have prevented the theft of more than {$5000.00} by having a policy holding payments until cleared through bank. Even if Discovers software is elementary and doesnt allow a hold, they should have at least been alarmed when multiple bogus payments were made. I did not authorize the payments and the account used was not mine. Clearly fraud. However, Discover denies fraud and accuses me of siding with the thieves to my own detriment. Unbelievable!
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-05
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XX/XX/2020 - XX/XX/2020 hehehehe this non sense bank blocked my checking account but still they processed the 2 ach deit transfers from the external linked account, a total non sense, why they do not simply block the funds and retirn them to the original bank account, instead of their wasting of time non sense procedures now they have blocked my account with a {$120000.00} balance transfreed from my external checking account with out my authoization i have answered to their non sense questions both to the automated phone system and to the agent but they still say that they will not refund the not authorized ach transfers to the original bank account, and they want to keep the account blocked until i will send them paper documents, that in fact i do not have they ask for a document id that contains the adress that i have indicated on the discover checking account and the social security number as well this request is a non sense since i'm a XXXX XXXX of this country, but i'm a XXXX citizen, so i have a XXXX pasport the XXXX passport does not contain the XXXX adresses or the social security number i asked if they will keep the funds blocked and their answer was " well good question, yes until you send us all the required paper documents, the funds and the checking account will remain blocked, for a unlimited time '' i have my XXXX passport and the social security card but i do not approve their request for a copy of the passport and ssn card, since i do not send my document id here and there by fax, only because their security procedures are a non sense if they recognize a not authorized ach debit transfer from the linked external account, they must simply cancel the ach debit transfer and they do not have to wait until the ach debit transfer clears or otherwise if they can not cancel a not authorized ach debit transfer, then can bock the account temporarily until the funds are cleared and then refund the funds to the original bank account, instead of wasting the customer valutable time with their non-sense procedures i also want to clarify that they advertize the discover checking account as a online only checking account and when i signed up for the online/web discover checking account nobody told me ad there were no indicationsm that they send sms codes and request paper docs for a online only checking account a non sense a normal bank can confirm identity by sending a code to the registered email on bank account discover likes sms and smartphones, not the internet/web but they do not indicate that on their website they are not compatibles with the internet/web but still they insist with their online only checking account, that works with a sms, a fax or a paper document i suggest them to transfer their bank activity, including their so called online account by sms and their ach transfers funtionality, from the web/internet to a normal blick store, because discover isn't compatible with the internet
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Every month of the year from XX/XX/XXXX to as of now XX/XX/XXXX all negative marks and late payments on a closed account that was obtained with my information and used by some fraudster to scam me and my SSN now discover has a balance of XXXX $ on a credit limit of XXXX $ again I never used that XXXX card! Nor did I ever open that account i have never been a customer of discover card bank XXXX XXXX they have continued to practice criminal behavior they have been told to delete this account and now I have gone to the attorney generals office due to the refusal to comply! The account is not mine it must be removed immediately! Executive office at discover has been complicit in the harm against my fried which was a XXXX when I first realized somebody had used all my old info to obtain this account! They will be sued for this i have XXXX and can not even get a XXXX removed as this has effected my credit and income and my income business! I want it gone now!
Company Response:
State: FL
Zip: 32765
Submitted Via: Web
Date Sent: 2020-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have reached out to the company for proof for the second time, and sending them confirmation I was a victim of Identity theft and there in violation of FDCPA for not providing me evidence of this account. They only sent a statement or bills of this account, no signed contract, or proof that I am opening this account.
Company Response:
State: TN
Zip: 38135
Submitted Via: Web
Date Sent: 2020-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Hello this is in reference to the account from Discover Financial Services. I contacted the creditor by phone on XX/XX/XXXX and they stated in order to settle this debt that I will need to send a letter agreeing to pay the amount. They will then delete the account upon payment. I sent a letter ( attached ) on XX/XX/XXXX stating I will pay money owned on the debt and that I need an agreement letter from them. I then Paid the collection acount on XX/XX/XXXX in full through the collection agency. The collection agency, XXXX XXXX deleted the account but Discover refused to do so. I sent them another letter asking to remove the account as promised on XX/XX/XXXX but nothing has happened. This account is paid and they must follow through with their promise.
Company Response:
State: NC
Zip: 27705
Submitted Via: Web
Date Sent: 2020-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Topic : Discover card falsely reported against me to the three credit bureau with falsified records to do me significant harm on my unblemished credit records for over 4 decades. I have been a Discover customer for many years. In 2019, after Discover 's irritatingly continuous ( daily ) solicitation to have me taking a balance transfer offer, I decided to try their offer. Immediately after that, with the discover staff direct involvement and confirmation, I set up an auto debiting arrangement from an external checking account. Since this was an auto debiting bill payment, like many others I have, after monitoring and ensuring the first few payments being recorded correctly, I felt reassured. Then, out of the blue, I was being notified by the credit bureau that Discover card reported against me for being delinquent on my XX/XX/2019 payment. In my entire 4 decades of credit history, I never had one negative or delinquent record with any vendors. Being in shock, I have called discover and received many assurances from the people saying it XXXX have been a mistake on the discover card and they would take care of this. But disappointingly, after a while, they blamed it on me saying that I have provided them a wrong debit account which is of course an entirely false statement. I always maintained the same debit checking account at XXXX XXXX XXXX for all auto direct payments to fully comply with the promotional offers. I have never authorized Discover card to overwrite my debit account with some random account ( I don't even know what it is ) In my several decades of credit history throughout my entire life, I never had any payment late or any other violation of any credit/financial agreement as exemplified by my persistent XXXX XXXX credit score. Sometimes a little common sense makes thing very clear in difficult situation though I have clear log record of my conversations and interactions related to this event : Would it make any sense for anyone in my situation with stellar credit history to change to a random debit account only to come back on his own and change it back again to the original account? A debit bank account is always tested and verified prior to being established as a legitimate link for payment. Also, how is it possible that I was not even notified/alerted at all of any failed attempt to establish such link or let alone withdraw the payment amount from the changed wrong account number? ( Please note : Stunned by the alert from a third party credit monitoring service I initiated repeated calls to Discover on XX/XX/XXXX ) Attached are the records of my correct debit account in Discover account which Discover ignored while reporting against me with a random debit account. The wrongdoing was clearly done by Discover staff members and in order to cover up their own incompetence and mistakes, they framed me and did not hesitate to ruin my unblemished credit report. Since then, despite my numerous attempts to have the Discover remove this false reporting in the credit bureau, they declined and also declined to provide me any evidence of my changing the debit account number as they claimed. In case you need any further clarification, please don't hesitate to email or call me ( cell XXXX XXXX XXXX ). I would appreciate if you promptly force Discover to correct and rescind the wrong negative reports to all the credit bureaus, which has been having a significant negative impact on my business and our life.
Company Response:
State: CA
Zip: 95127
Submitted Via: Web
Date Sent: 2020-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A