Date Received: 2020-10-02
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 closed out my dispute although the merchant has confirmed the credit owed back to me.
Company Response:
State: NY
Zip: 10950
Submitted Via: Web
Date Sent: 2020-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-02
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Discover Bank automatically closed both my checking and savings account without contacting me first to sort everything out. I received a letter dated XX/XX/2020 from the company informing me that they completed their own investigation and decided to close both of my accounts because they believe that accounts were opened without my knowledge. However, that is simply a big mistake ; I indeed opened those accounts with my real and accurate personal information. This is NOT identity theft. It was really shocked to me as a consumer. In addition, the company never returned to me the funds left in both accounts. I called their customer service and banker, but they just showed me their unwillingness to assist further with my case and could not disclose additional info. Then I learned that one reason may be due to a security freeze placed on my XXXX profile. I froze my own XXXX profile because I am not intended to open new accounts anymore and just for security reason. Let me also be CLEAR that I placed the security freeze on XXXX AFTER I opened Discover bank accounts, not BEFORE. Therefore, this is not logical for the company to just assume that they were opened " without my knowledge ''. This is just not reasonable by any means. I am ready to provide any additional personal identification documents, or lift the freeze on XXXX to back it up that i am the real person. This is shady and nonsense that Discover Bank did this to their consumer. Depends on the outcome received, I will file a lawsuit against the company if I did not get my money back and with the actions that they took to close my accounts. I am not backing down for my consumer rights. I attached a copy of the bank letter where they stated the issue.
Company Response:
State: CA
Zip: 95050
Submitted Via: Web
Date Sent: 2020-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX 2019, Discover Card reported that I was late on my credit bureau, when speaking to a representative, they saw where it was incorrectly reported and offered my late fees back, but said because they reported it already to the bureaus, there wasn't anything that could be done about it, as of today, my credit report reflects late payments in XXXX and XXXX of 2019
Company Response:
State: MS
Zip: 394XX
Submitted Via: Web
Date Sent: 2020-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-01
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: During this pandemic I have been hit hard with suffering from my XXXX and been off work for the last 7 months I paid my credit cards when I could and also let them know of my situation. Recently last month I was able to get my Discovery {$2500.00} credit limit and pay it down to XXXX. Never had an issue until this morning when they decreased my limit by {$1000.00} which puts me back in square 1 and putting me almost at my crefit limit again and making my credit score drop after I been working hard to try to pay everything off I'm in a bind to where I have to move and by them cutting my limit making my credit score fall its making it impossible at this point I just want my credit limit back to where it was so I can finish making process to get everything back on track and they are making it hard for me to do so.
Company Response:
State: CA
Zip: 92553
Submitted Via: Web
Date Sent: 2020-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-01
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 am resubmitting a complaint I made before since I believe I made it a little too complicated before and since then after speaking to attorney 's and doing research I confirmed that my rights were being violated by Discover Financial Services and I didnt point out how. I will include the same written documentation that I did before but this time perhaps your agency can see my complaint more clearly. This is SO easy to resolve. Discover is claiming that in XXXX of XX/XX/XXXXwhen I applied for a credit card that I VOLUNTARILY signed up for their propietary service Discover Protection Service. I am claiming that I did NOT. Due to this misunderstanding my credit score has gone down 100 + points. I am asking them to simply provide me with that original application with my Esignature that shows that did indeed sign up for this. They refuse to. They say its NOT possible. I know that is false and they are violating the Fair Credit Protection Act. They basically want me to sue them to get it and thats NOT fair. They know I am up against their attorneys and it will be very expensive to get that info so they figure Ill just settle and pay. Look IF there is a mistake and I did by mistake check off something that signed me up for that than I will have to live with my mistake and work out a settlement with Discover. But I have the right to see with my own eyes that application. I have spent 16 months overall dealing with this and countless hours on the phone and writing letters. Why am I getting the run around? With technology now a days there is no excuse and they could have provided proof to me 16 months ago. They keep saying '' I have not provided any new information " I am NOT the one that needs to provide new info THEY ARE.. What info do they need? They hold the cards I simply need someone to intervene and mediate this simple as that! I am reattaching my letters, I am sure you can sense the frustration I am going through
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2020-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX I have sent i have disputed an account that shows the wrong dates and stuff and asked to delete the information since they are reporting in accurate information all there reports shows the date open on one day and the letter that was sent to me was a wrong date so please delete
Company Response:
State: AL
Zip: 36582
Submitted Via: Web
Date Sent: 2020-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Complaint regarding treatment and harassment by Discover card. XX/XX/2020 The following is a letter I emailed to discover in the first of XX/XX/2020, which explains my financial difficulty during the Covid 19 pandemic, following this letter is my story on the horrendous treatment by Discover and their employees. Hello, as you know the Covid 19 pandemic rages on. My financial loss is great and money I would have never spent if was not for this virus I would have used to pay my bills as you notice based on my record I have faithfully paid my bills, I am only having difficulty since XXXX when this pandemic was and is in full effect. I live in Texas, my wife and I moved here to be close to our grandchildren. The Covid 19 pandemic here in Texas is out of control. Our reason for being here is not possible with this pandemic, I live on a fixed income, my wife is XXXX, in XXXX I lost my XXXX year old XXXX, XXXX XXXX, the love of our lives. Now XX/XX/2020 we have the arrival of my XXXX year old stepson XXXX who was recently released from jail, I now have the added financial difficulty of housing, feeding, clothing, and supporting a XXXX year old man who has nothing. This is another financial difficulty as if the Covid 19 was not enough. There is at this time no stimulus payment coming in sight. This pandemic still forces us to stock pile basic supplies including toilet paper, food, water to name a few, and now we are in Hurricane season, this is a strain on my finances. All I am asking is to freeze my account, without penalty to relieve the financial pressure until, or if this pandemic eases. I am trying to find work to supplement my income but I must work from home because I am my wifes caregiver, and I have to take care of her. Anything you can do to freeze my accounts and relieve my monthly payment, with no penalties would help me, even if it is on a month to month basis. For your information and assistance. Thank you XXXX XXXX Complaint on Discover I have been a diligent credit holder of Discover for some time, always paying my bills on time and never having my account go overdue, until XXXX when Covid 19 impacted me financially, however I still paid my bills. I have made numerous calls and sent letters to Discover about my financial situation, they say their calls are recorded so there is computer documentation and recordings on the chain of events. In XXXX, Discover granted me Covid 19 financial assistance by freezing my loan for 3 months, after that expired, it was on a month to month basis, which required me to call on the XXXX of each month and ask for assistance which they granted. In XXXX the loan payment was due on Sunday, XX/XX/2020. Discover loans was closed, they are only open XXXX, for loan assistance. I called Discover on Friday, XX/XX/2020 to ask what to do since the loan payment is due on a Sunday. I was told by customer service to call on Monday, XX/XX/2020, even though the loan was due, so I did. On Monday XX/XX/2020 I called Discover loan and requested financial assistance, they received the copy of my email I sent them, explaining my circumstances. They granted me assistance and froze my loan payment. On XX/XX/2020 I received a letter from Discover indicating my next loan payment was due on XX/XX/2020, this matched my information on the Discover website when I signed in to check my loan status. It is still there currently, and has not changed since XX/XX/XXXX when I called Discover. On XX/XX/2020 I received a letter from Discover that my loan was overdue, along with a payment penalty that was due, how could this be since on XX/XX/XXXX I was on Covid 19 financial assistance. I called Discover and customer service stated there was a mistake and the payment for XXXX, was applied to XX/XX/XXXX, how could this be since it violates their own policy of calling on a monthly basis, how could they delay a payment for XXXX to XXXX and then XXXX which is what the records state. Customer service said they prepared a ticket to fix XXXX and my next payment would be XX/XX/2020 which it what it said all along. They also fixed the late fee and removed it off my account. On XX/XX/2020 at XXXX XXXX till XXXX XXXX I received 3 phone calls from discover attempting to get me to pay a debt. This required me to call Discover numerous times and each time a customer service representative gave me a different explanation on what had happened. Finally my wife and I on XX/XX/2020 called and spoke to a manager named XXXX. She said she would fix the problem and my next payment, again would be XX/XX/2020. We also found out that the customer service agent on XX/XX/2020 made a mistake and never backdated the payment, an error by Discover, which caused all my problems. On XX/XX/2020 my Discover credit are was declined 3 times while shopping and when I got home I looked online and saw that Discover removed the remaining credit balance on my card, thus freezing my card. There were also numerous calls on my answering machine from Discover requesting payment. This is harassment calling me on the phone for their error, when the problem was in the process of being fixed. We called Discover and waited all day to speak to XXXX which she called, late in the day. She stated their was nothing she could do, and I would have to pay the loan amount to unfreeze my credit card. She also stated that the Covid 19 assistance ended in XXXX, something I was never told by Discover. The only option open to me was to pay the XXXX and release my account which would clear in about 1 week. This is robbery forcibly making me to make a payment to allow me to use my credit card which is vital during Covid19. This is money I do not have, but I have to struggle to make a payment, and not pay other bills, I do not even know if Discover notified the credit bureaus, all on a mistake they made. When I tried to make the payment on XX/XX/XXXX, online, Discover would not allow me to make a payment unless I paid XXXX payment as well, requiring XXXX to take a payment over the phone, I was on a 3 way call with XXXX, and an agent from Discover Card. Then the payment went through, but I was told the payment was after XXXX XXXX by Discover Card and it would take a week before it was cleared up, but XXXX saw the payment cleared. Then I asked Discover Card if the credit that was on my card unfrozen and she said yes. However they never restored my remaining credit amount, so she put me on hold and restored the amount, after she said the card was ready for use, if I did not ask I would still have a problem with the credit card, this what Discover does, misinformation, at the clients expense. My card is restored, as of now but I have not used it. I was forced to make a payment I did not have, and now I owe a payment due XX/XX/XXXX which is a double payment, and this all because a mistake made by Discover. I was told to call in a week to see what can be done about XX/XX/XXXX payment since I do not have it. Today on XX/XX/XXXX I received an email that was dated yesterday saying they froze my credit card, this after they froze it, I received the letter. My financial burden is worse because of Discover, I can not pay bills to survive, money I had saved for bills went to Discover. And Discover advertise that Discover cares, and Discover Values and Discover We treat your like you treat you where did they treat me at all fairly, they are killing me. XXXX XXXX
Company Response:
State: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2020-10-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX I had a {$2.00} charge. I experienced a problem with the companies app and my payment couldn't be processed properly. It was not applied in the way I expected and how I normally make all my payments on the app. I also did not know a payment was due. When I found out about it, I instantly paid it in full ( for {$3.00} XXXX on XX/XX/XXXX *see attached XXXX. It was an unfair late payment that was only for {$2.00}. I should have been notified in multiple ways with a paper statement or email etc. I should have been notified that my payment did not go through and confirm. I now have a tough time applying for credit cards, lines of credits, auto loans, etc. I've been a member since XXXX and the company will not help me with this unfair situation. Since then, I have always made on-time payments and I am in good standing with all my other credit card holders. I consistently pay and I have set up an automatic payments for the full statement balance, so that this doesn't happen again.
Company Response:
State: HI
Zip: 96789
Submitted Via: Web
Date Sent: 2020-10-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: ATTACHMENTS INCLUDED. THIS IS NOT A DUPLICATE COMPLAINT FROM A 3 YEAR ORDEAL! At the end of the complaint, I am swearing that this complaint is truth. I was frustrated after receiving recent letter dated XXXX and contacted Discover. I was asking of settlement BUT I clearly stated I was not accepting any debt or blame. I will use care how I word this letter to prevent any misunderstanding. The credit card was mine. The credit card was stolen. There were unauthorized purchases and unauthorized payments that Discover allowed so the credit limit could be exceeded. I have previously sent a XX/XX/XXXX sheriff 's report and FTC identity theft reports. Isnt it odd that on XXXX, a regular payment is made and then the next day a large fraudulent payment is made from another bank? OK, a thief caught Discover once but then how are additional multiple insufficient payments made in such a short time without Discover taking action? Regardless of what you heard from others ; this should have never happened. And how can money be instantly available from 4 payments before any are presented and cleared through XXXX XXXX? Is it a software issue or clerical error that assists thieves? When people think of large companies, they think of cutting-edge technology that protects against thieves and protects their private information in this day and time. The bad payments are Discovers error because of inefficiency. I never had an account at XXXX XXXX and I was not aware nor authorized the large payments that were drawn upon XXXX XXXX in XXXX. I was not using the card but paying it off. I was just recently, 2 months ago, designated a XXXX survivor by XXXX XXXX. I had XXXX XXXX and definitely no time for a lady and definitely did not refer to anyone as my wife. And then Discover claims I assumed responsibility for all the charges of the thief and the bad payments that Discover allowed. I have never dropped the claim. The events given by Discover of me so called dropping the claim are bizarre. What were the phone numbers Discover used to call me and what were phone numbers used to call Discover? I never referred to a thief or anyone as my wife. I have not been married since XXXX. Investigate the court records. Why would I file a sheriffs report and then two days later, not receive a call, but call, give Discover authorization to talk to someone, and claim she is my spouse????? This was instigated because the card was used to pay probation fees to XXXX XXXX County XXXX and any problems would have canceled probation. Has Discover ever researched the charges to XXXX XXXX County. Then it should become obvious she was doing anything to stay out of jail. Four other credit cards were used the same way and is why I filed sheriffs report. I never talked to Discover nor received the XX/XX/XXXX letter reflecting fraud claim was dropped. In XX/XX/XXXX, I saw the letter when I received the CFPBs response from Discover Card. Discover further states in one letter It is noted that each return payment, notification was sent to your address of reference and none of the above were returned by the USPS as undelivered. I never received any of these. During this period of time, my mailbox was being robbed. This same person sweet talked someone at XXXX and accessed my corporate account. 5 XXXX were purchased and then stolen from my mailbox. I do not know what all was stolen. My mailbox is a rural mailbox mile from my home. See attached picture. SUMMARY Discover allowed 4 bogus payments that can not be excused by what someone told them later. I have never canceled theft claim. I have never referred to anyone as my wife. I never contacted Discover on XXXX nor did I receive the XXXX notification I was dropping claim. I never accepted the theft payments nor charges. I will notarize this complaint if required.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-29
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 the third my complaint and Discover does not resolve the issue which leaves me no other solution but to close this card
Company Response:
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A