Date Received: 2020-09-20
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-19
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 have recurring charges on my account from a removed authorized user, XXXX XXXX. I destroyed his physical card, requested a new card for myself, and set a freeze on the account. I have also tried contacting the merchant to stop charging them, but I was unsuccessful because I am not the owner of the account. Particularly, I want to prevent transactions from XXXX and XXXX XXXX XXXX from occurring on the account. I am unable to contact the authorized user.
Company Response:
State: NY
Zip: 11757
Submitted Via: Web
Date Sent: 2020-09-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-19
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: In XX/XX/2020 we were billed {$56.00} on our Discover card for a purchase of shoes from XXXX XXXX dba XXXX. It turns our this was a scam company advertising a warehouse sale of Keen shoes. We never received the shoes and disputed the transaction in XXXX. We were initially refunded ( credited ) by Discover and the dispute was decided in our favor in XXXX. Then, in XXXX, XXXX sent something to Discover and the charge was re-instated. I called Discover and we were re-credited. Discover could or would not tell me how many times or how long they would allow Amor/Osborder to continue re-charging our card. It appears that this could continue for years. Please require Discover to stop accepting re-posts of settled disputes from scam merchants such as XXXX XXXX. Of note, we have been Discover card members for 30 years with a solid history of business with legitimate merchants and on-time payments.
Company Response:
State: AR
Zip: 722XX
Submitted Via: Web
Date Sent: 2020-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-18
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: Earlier this summer, my wife and I were planning to fly to XXXX on our first vacation in five year years. We have been saving for some time for this trip, and unfortunately, due to COVID-19, we were unable to fly to XXXX as all domestic travel was grounded. Our airfare was {$2100.00} and we have uploaded the supporting documentation to Discover Card Services, which they requested that the airfare was handled by XXXX XXXX. XXXX XXXX, who we booked the travel and airfare insists that the chargeback was sent to Discover, and Discover claims to have no record of it. First, Discover stated that they in fact did have the money, but we needed confirmation it was not to be sent back to XXXX. Then, Discover claimed we needed to provide proof that the {$2100.00} was in fact for airfare. Then, Discover claimed we needed to provide proof that we had requested a refund from XXXX. Then, Discover claimed we had to provide proof that XXXX did not have our money, which amazingly, XXXX was able to provide in the form of written documentation. Then, Discover claimed we had to provide proof that we were due a refund in the amount of {$2100.00}, which we were able to provide. Then, Discover claimed we needed to provide this proof not through our travel agent, who booked the airfare on our behalf, but through XXXX, which we were able to do through proof of a partial refund for other expenses. At each point, we have requested the same thing, the {$2100.00} charged be removed. At each stage Discover has refused to comply. Please intervene to remove the charge.
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2020-09-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-17
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 enrolled in and online class through XXXX in XXXX for 4 payment of {$170.00} each. Upon enrolling, I had an emergency with my dad and had to leave town and take care of my parents for 2 months, preventing me from ever accessing the class or using any of their services. They took 2 payments, and i tried to reach out to them to prevent the other 2 from going through my DISCOVER card but had no response. With nothing from XXXX, i disputed the last 2 charges from discover directly which was ruled in my favor. Only to find out a month later that those charges were reversed and now are on my balance. I've reached out to discover multiple times to further take care of this but nothing ever comes out of it but that they need proof that the class was cancelled. So i'm disputing 2 charges, each is {$170.00}.
Company Response:
State: TX
Zip: 75035
Submitted Via: Web
Date Sent: 2020-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Recently, I received a copy of my credit report and found several fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Company Response:
State: FL
Zip: 32909
Submitted Via: Web
Date Sent: 2020-09-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-17
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I have been a Discover Cardmember since XXXX. I used a convenience check in XX/XX/XXXX in the amount of {$20000.00} at 4.99 % APR for 18 months. I had a prior balance transfer from XXXX that was expiring in XX/XX/XXXX in the amount of {$4500.00}. I made an additional payment ( above the minimum payment ) in XX/XX/XXXX of {$4500.00} to bring that balance current and instead of closing out that balance, they applied it toward my recently transferred balance, thus placing my expiring balance transfer at an interest rate of 21.99 %. In normal circumstance, the practice of applying payments to the lowest APR balance first seems usurious. In this time of COVID, it is downright criminal.
Company Response:
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2020-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: A little over a year ago I opened the discover card app & was offered a program that would freeze my card for 1 year. They agreed to lower my interest rate to help me get my balance down if I agreed to 12 months of automatic draft payments. The app presented this as an opportunity discover was doing to help me lower my balance. They said they would review my account at the end of the year but suggested that if I maintained my payments my card would be reinstated. I agreed thinking XXXX was being kind & reducing interest to help me lower the amount due. A year goes by & I completed their program perfectly. I spoke with a few reps thru their app and they said your account is being reviewed it should be turned back on soon. I called & spoke to that department today. They told me that because of other credit issues on my credit report ( such as medical bills ) they were not able to reactive my account until I took care of those other credit issues. Even though I have been a loyal customer with discover card for 18 years. I have kept up my payments with discover card for 18 years, they are refusing to reinstate my account until debts that have nothing to do with them are resolved. Had I known that Discover was going to do this to me I obviously would have never agreed to their program in the first place. I feel like they tricked me with false Promises to get me to agree to suspend my account & make a year of payments to them. I would have never agreed to this program had it been accurately explained to me. This program should not be offered thru their app but only thru a person as I was completely tricked. Obviously, even though I have been a customer of Discover for over 18 years & even though I have good payment history with them ... they must have considered me high risk and took an opportunity to trick me into a years worth of payments & me agreeing to never be able to use my card again.
Company Response:
State: NC
Zip: 28217
Submitted Via: Web
Date Sent: 2020-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-15
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for a Discover Credit Card on XX/XX/2020. I had received two invitations from Discover within the past 30 days before I applied for the card, both invitations stating : 0 % Intro APR on Purchases and Balance Transfers for 14 months After your Into APR ends your standard variable purchase APR applies, currently 15.99 % -18.99 %. I checked my credit scores with XXXX XXXX on XX/XX/2020 and they were above 700. since they were above 700, I decided to apply for the card. I get the card, it comes with the 0 % Intro APR on Purchases and Balance Transfers for 14 months but it comes with an interest rate of 20.99 % Also, the card comes with a page stating my credit score is XXXX. I call Discover card on XX/XX/XXXX. I explain the problem and they tell me that the invitation interest rate is not set in stone and the interest rate is based on my credit score.
Company Response:
State: PA
Zip: 19014
Submitted Via: Web
Date Sent: 2020-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-15
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Discover Financial Service recently approved me for a Discover account. Upon approval immediately my account was sent to Charge Verification Department requirements are three months of Bank Statements. I have since sent Discover one of my bank statements ( I hold multiple accounts ) I have faxed them four times and uploaded them once. Each time I call and check to see if they have received the documents they advise me that once they do an email will be sent. It has been over a week and not one person is willing to help.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2020-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A