Date Received: 2020-08-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The basis of my dispute is that my dad file for BK but because we share the same name and the SSN # is off by 1 digit, my credit was mixed and credit were notified that I file for BK. Once that occurred ; the company would no longer communicate with me or accept payments which caused the delinquencies of these accounts.
Company Response:
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: Back in XXXX I rented a car from XXXX XXXX XXXX XXXX my total was XXXX with a deposit hold of XXXX as seen in the attached receipt. I returned the car as stated in the contract. However, the rental car company is trying to overcharge me XXXX and XXXX dollars in two separate transactions. When I called the rental car company they advised me to call my credit card company which is XXXX. I filled a dispute with them and they refuse to assist in getting the money from the merchant. I just want to be charged the stated amount in the receipt which is all I should owe.
Company Response:
State: NC
Zip: 27604
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The basis of my dispute is that my dad file for BK but because we share the same name and the SSN # is off by 1 digit, my credit was mixed and credit were notified that I file for BK. Once that occurred ; the company would no longer communicate with me or accept payments which caused the delinquencies of these accounts.
Company Response:
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: For THREE YEARS I HAVE CONTACTED THEM AND ASKED FOR PROOF THAT I OPENED THE CARD AS IT WAS NOT ME. THEY CONTINUE TO REPORT IT TO THE CREDIT BUREAU. THEY HAVENT SENT ME SIGNED CONTRACTS TO PROVE IT WAS MINE AND IRONICALLY THEY KEEP EMAILING ME OFFERS TO HAVE A CARD WITH THEM. THEY ARE RUINING MY CREDIT THAT I HAVE WORKED VERY HARD ON. EVERY TIME I CALL, WRITE OR DISPUTE WITH THE CREDIT BUREAUS THEY JUST LEAVE THE SAME THING BUT NO ONE HAS SHOWN ME ANY PROOF I HAVE ASKED FOR ccount NameDISCOVER FINANCIAL SERVICES Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/2020. Status XXXX
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-06
Issue: Identity theft protection or other monitoring services
Subissue: Billing dispute for services
Consumer Complaint: I have charges on a discover card that I have disputed a couple times they are holding me responsible because XXXX gives them no response also someone setup a online account I want the information from me accout
Company Response:
State: KY
Zip: 40391
Submitted Via: Web
Date Sent: 2020-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Received notice from CFPB that Discover Bank " COMPANY 'S INTERIM RESPONSE We are currently investigating the consumer 's concern, and additional time is needed. Upon completion of the investigation, a detailed response will be uploaded to the CFPB portal and sent to the consumer. '' This has been going on since XX/XX/2020 ...! I have been ignored, talked down to and basically cut off from MY MONEY! They have ZERO AUTHORITY to continue to hold my account hostage. I have also opened a CRIMINAL Investigation against Discover Bank with the IRS and Department of the Treasury, of which has gotten traction this week. Seems I am NOT the only one they have locked out of their account. Either way - I have provided my ID and supporting documentation to them SEVERAL TIMES. All of which they either ignore or blatantly lie about never receiving. Seeing as I have sent the documentation through the CFPB 's site, and they are responding and closing my complaints, they are obviously receiving the documents that I sent in. This has gone on long enough! I WANT MY MONEY - I HAVE PROVEN WHO I AM, AND THAT THE IRS REFUND CHECK I DEPOSITED IS MINE AND MINE ALONE. I am tired of waiting for them to " get around '' to addressing this issue - I am also speaking with attorney to seek punitive damages for this issue and it will cost more than the $ XXXX they are holding, alot more. Public opinion is also on my side, as I have a blog, which every letter, email, RECORDED phone calls and responses from IRS/DoT, has been received. I am not playing any further. Period. You have received all but DNA from me, and even then you would not get it - Emails to " Executive Office of Discover Financial Services XXXX '' being FULLY IGNORED. Documents for verification have been attached, as well as original complaint. DISCOVER BANK HAS NO INTEREST IN RESOLVING THIS, THEY ARE FRAUDULANTLY HOLDING MY MONEY - EVEN WHEN I HAVE ATTACHED : 1. California Drivers License 2. Copy of 2 first pages of my Tax Return ( Slightly redacted ) 3. Copy of XXXX XXXX XXXX, showing amount of my refund - same as check You responded to my complaint ( s ) on CFPB, however have ignored all of my emails since your first on XX/XX/XXXX. " On XX/XX/2020, you were advised that any valid funds would be released to you after 60 days ; however, based upon further review of the account, we have been unable to release the funds. In order for us to lift the suspension of your account, further verification is needed. '' I sent in my XXXX when the account was opened. This is my IRS REFUND Check you are messing with. There is NO further verification needed, since : 1. I submitted my XXXX upon account opening 2. I am not sending in any further documentation, short of maybe a page from my Tax Return - and that will show ONLY my name, address and refund amount - You will get NOTHING further. BLATANTLY IGNORING ME - SENDING AND HAVE RECEIVED 2 POSTAL LETTERS, CONDESENDING AND INSULTING - TELLING ME WHAT YOUR DOING WITH MY MONEY - CFPB IS NOT DOING ANYTHING TO HELP ... HOWEVER, I HAVE FILED WITH SUPERIOR COURT, AND SHOULD BE SEEING THIS ON CALENDAR WITHIN A FEW MONTHS. WHILE, I KNOW I DON'T HAVE AN ARMY OF LAWYERS - SOCIAL MEDIA WILL TAKE CARE OF THAT, AND SINCE YOU DID WRONG NOT ME - I AM LOOKING FORWARD TO FINALLY COLLECTING MY TAX RETURN, AND OVER 65 % ADDITIONAL FOR SUFFERING AND PUNITIVE DAMAGES. I WANT MY MONEY - NOT IN A CHECK - I WANT TO KNOW WHY YOU ARE IGNORING ME -
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX I submitted a request for a credit limit increase on my Discover credit card account both online and with a Discover agent. I knew that my credit score was more than 750 and that I have had no problems with any accounts, at all, for more than ten years. My Discover credit card account has been open for years with no problems and my present limit is {$5500.00}. Both of my requests were denied. I inquired, from the agent, as to the reason that my request was denied and they stated that the denial was based on a matter from XXXX when I included my Discover Credit Card account in my Chapter XXXX Bankruptcy, which was fully discharged in XXXX. I received a letter from Discover Credit Operations Team, dated XX/XX/XXXX, that stated the following, " Unfortunately, at this time we are not able to approve your request for a credit line increase due to the following : STATUS OF EXISTING / PRIOR DISCOVER CARD ACCOUNT ''. My bankruptcy, which was fully discharged in XXXX, and the XXXX issue with my Discover Credit Card account included in my bankruptcy, are both more than ten years old now, so why did Discover deny my credit card limit increase based on information that is past statue?
Company Response:
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I recently opened a near checking account with Discover Bank ( early XXXX ) and on XX/XX/XXXX, I immediately ACH deposited {$25.00} into it from an already established checking account ( XXXX XXXX ). That transaction only took 2 or 3 days with funds being available. The system with XXXX XXXX to a trial ACH transaction of its own on XX/XX/XXXX for XXXX cents and that too was processed in couple days. On Friday, XX/XX/XXXX, I submitted request to ACH transfer {$920.00} from that same other account, XXXX XXXX. Unfortunately funds are not quickly available for this transaction and a hold is put on it so funds wont be available till XXXX. When I submitted the request, the Discover system said that funds would be available in 2 days. I contacted authorities at Discover and they all are saying the process is systematic and they have no way to take the hold off. They obviously have the funds which was verified by the other bank. The specific rules for Discovery ACH tranactions indicate that they typically may take 2 to 3 days but exceptions to that related to disciplinary issues and if the account is new. That means the system may hold funds for 10 business days. I find that rule very misleading especially with it not being referenced within system itself when doing it. More so, the prior ACH transfers were complete in 2 or 3 days, how would I have known that this one would be 2 weeks. This situation is very misleading, ambiquous and unfair. Immediately, I would like the Federal Reserve Board to compel Discover Bank to immediately take the hold off since the situation is not clear and I have urgent bills to pay. Additional Discover Bank problems : As result of not having access to the funds ach transferred from an already established checking account, I decided to try and get cash advance with the new Discover credit card. The 1st thing I did was contact Discovery bank authorities regarding this transaction and I was told that XXXX XXXX and any credit union would be able to do in bank counter cash advances. I wasted the whole day pursuing this effort and ended up having to get a smaller cash advance from XXXX ATM. I did however establish that XXXX XXXX is perhaps the only bank that would do Discover over the counter cash advances. On Monday, XXXX, I went to XXXX XXXX after setting up appointment and basically was denied cash advance for {$1000.00}. I then immediately called Discover and they said they did not know what issue was but maybe it was security related. After waiting in line for another 15 minutes, the XXXX XXXX authority to say that XXXX only does Discovery transactions once per day so the sole one being declined because of a discovery security issue precluded me from pursuing the cash advance. I have ultimately wasted over 40 hours altogether over these unfortunate issues with the Discover card and checking account. I am now set to argue for some form of relief for all these issues. I'd like to have my Discover credit card credit limit increased to {$20000.00} as a courtesy for all of the inconvenience suffered. This seems to be more sensible than asking for money Thanks, XXXX XXXX credit card : XXXX checking acct # : XXXX XXXX XXXX XXXX XXXX ( cell )
Company Response:
State: NC
Zip: 27804
Submitted Via: Web
Date Sent: 2020-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello, After reviewing my Credit Report, there is some of inaccurate information reporting on my credit profile. I had reach out to creditors as well as the 3 Credit Bureaus. And there was been no response. The Creditor sent a Transaction Report, and those transaction were not mines. I'm a victim of identity theft. I also reached out to Credit Bureaus over a month ago with no response. I'm asking for these items to be remove that does not belong to me. See attachments Thank you
Company Response:
State: WA
Zip: 98056
Submitted Via: Web
Date Sent: 2020-08-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-06
Issue: Getting a loan
Subissue: Confusing or misleading advertising
Consumer Complaint: I received student loan advertising from Discover that was made to look like a XXXX from the IRS.
Company Response:
State: VA
Zip: 232XX
Submitted Via: Web
Date Sent: 2020-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A