Date Received: 2020-07-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: ON XX/XX/2020 I SUBMITTED A DISPUTE TO XXXX REGARDING A COLLECTION ITEM ON MY CREDIT REPORT. THE ITEM WAS OPENED FRADULENTLY AND I CAN NOT GET THE ITEM REMOVED.
Company Response:
State: NY
Zip: 11374
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX I obtained the payment mailing address ( Discover XXXX XXXX XXXX XXXX XXXX CA XXXX ) through their automated telephone system. I was working with a Loan Specialist at XXXX XXXX XXXX XXXX to send a cashiers check for {$7800.00}, which was also provided through the phone. It was mailed out on XX/XX/XXXX with an expected delivery date of XX/XX/XXXX. ( USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX ). I spoke with an agent at Discover after it had arrived, and they stated the address is incorrect and hasn't been used since XXXX! They advised any mail sent to that address would be returned to the sender. My credit union was unable to cancel the check, and recommended I follow up with Discover. This meant I now had a payment due with my credit union AND Discover. The check was not returned until XX/XX/XXXX, and canceled by the credit union on XX/XX/XXXX. Discover stated they will honor the original pay off estimate if I send a new payment by XX/XX/XXXX, which could not happen until I first received the check.
Company Response:
State: UT
Zip: 841XX
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Upon receipt of my recent credit reports from XXXX, XXXX, and XXXX, Its apparent there still exist a Fraudulent account I discovered that was opened at Discover Bank ( acct # XXXX ) without my knowledge or authorization being reported negatively. This Account was opened as a result of identity theft/identity fraud. Ive subsequently filed a local identity theft police report and Federal trade Commission complaint regarding this matter. Ive properly notified Representatives at Discover Bank of this matter and have opened a Dispute requesting that they immediately close this Fraudulent account and to STOP the reporting of this INACCURATE, FRAUDULENT INFORMATION from my XXXX, XXXX, and XXXX Credit Reports.
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-27
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: Failure of Discover to investigate chargeback dispute in good faith On XX/XX/XXXX, I booked a trip to celebrate my 50th wedding anniversary with XXXX XXXX XXXX ( XXXX ) ( Reservation Number : XXXX ). I have uploaded the Invoice from XXXX. On XX/XX/XXXX, I discovered, while visiting the XXXX web site, that XXXX had, without my knowledge or consent or informing me in anyway, rebooked our trip for XXXX. Since XXXX was NOT providing the travel services I purchased, in accordance my contract with XXXX ( copy uploaded ) and with the Massachusetts Law ( 940 CMR 15.06 Sellers of Travel Services Acting as Tour Operators - copy uploaded ) I informed XXXX on XX/XX/XXXX that I rejected the rebooking and required a full refund for the canceled trip. I filed a dispute with Discover ( Dispute # XXXX ) for the {$15000.00} charge to my account ( Discover : XXXX ). The other charges were also disputed and have since been settled with the charges being refunded by XXXX. Discover was provided with all the documentation above ( the contract and the Massachusetts Law and a copy of the XXXX cancellation of our trip ) that demonstrated that we were entitled to a full refund. Discover denied our chargeback and the dispute was closed on XX/XX/XXXX. I have uploaded the closure letter from Discover. I then sent Discover a copy of an e-mail from XXXX, dated XX/XX/XXXX, in which XXXX XXXX acknowledged that we were due a full refund ( copy uploaded ) for our canceled trip and indicated that a refund would be made ONCE THEY WERE NOTIFIED BY DISCOVER THAT THE DISPUTE HAD BEEN CLOSED. Discover then reactivated, on its own authority, the dispute on XX/XX/XXXX and sent an Arbitration Notification to XXXX. ( copy uploaded ). Since this was contrary to the request in the XX/XX/XXXX e-mail from XXXX XXXX that the dispute had to be closed for XXXX to process the refund, I call Discover and requested that they close the dispute and notify OAT so that I could receive my refund. Discover closed the dispute but FAILED TO NOTIFY XXXX AND HAS CONTINUE TO REFUSE MY REQUEST TO NOTIFY XXXX OF THE CLOSURE. I have uploaded an e-mail from XXXX, dated XX/XX/XXXX, in which XXXX XXXX indicates that XXXX has NOT been notified of the closure of the dispute and has therefore NOT process my refund. Discover has acted in BAD FAITH by not finding in my favor despite the documentation provided. I have also uploaded a chat segment with Discover dated XX/XX/XXXX that shows that Discover was notified by XXXX that XXXX accepted financial liability. Discover failed to post a refund for {$15000.00} to my account despite knowing that my dispute was valid and has obstructed my attempts to achieve a resolution with XXXX by refusing to notify XXXX that the dispute has been closed.
Company Response:
State: FL
Zip: 32826
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-26
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: After multiple complaints about an internal error within the Discover application system and reporting the information to the the CFPB, Discover has blacklisted me from getting a credit Card from them. The sad part is that when banks, creditors, lenders need a bailout the government doesnt blacklist them. I had a Discover Card Back in 2018 never ever late and paid in full. Two weeks later they closed it. Since I reported it to CFPB they have chosen to retaliate against me by giving me the following reason for declining the card ( even though I get pre approved ) and I have never been late payment on my creditors is impeccable. Thank You For Youre Interest In Discover We Could Not Approve Your Request Due To The Following : Status Of Existing/ Prior Discover Card Account I reported this to XXXX XXXX Executive Office Of Customer Advocacy whos job is just to reassure me that I am on the Discover Black List for Filing A Complaint. The matter wasnt even resolved but I do believe that I am currently being definitely discriminated against because of my current address and age too.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2020-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My Discover account, my oldest line of credit, was closed unbeknownst to me. There is no information on my Discover.com ( like secure messages or indications on my statements ) that shows that they reached out to me. They said they sent me mail to my home address ( dated in late XXXX ) stating I need to use the card to keep the account open. However, 1 ) we are in the midst of a global pandemic 2 ) I work in a XXXX and have not been able to keep up with unexpected updates from Discover 3 ) I have informed delivery from the USPS and there is no record of any mail from Discover in XXXX. Additionally, I had successfully filed a complaint with the CFPD in the past ( XXXX ) regarding not receiving mail from Discover. They acknowledged their mistake but it seems like this is still reoccurring. I do not want my oldest line of credit to be closed. This is not standard industry practice and most other creditors ( XXXX, XXXX, XXXX ) do not play games like this. I reached out to customer service and supervisors and they told me that they are unable to reopen my account ( because I did not act on the information that I did not receive ). I was told I would get a call back from HQ but they will not be able to help me. I am now reaching out to you as a regulatory agency to make sure creditors stop these predatory practices. I am very disappointed in this practice and would appreciate my card reopened. I am a young adult and I can not afford a large hit to my credit as my average age of credit will now drop significantly and this will affect my mortgage and loan opportunities as I try to grow my XXXX. They advised me to open a new account to continue my relationship with Discover but this has very negatively impacted my view on the company and their policies. I will allow them 1 more chance to right this wrong.
Company Response:
State: CA
Zip: 91214
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-26
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received an ad from Discover about their " Discover it Cash Back '' credit card, signed up, and was accepted. I started using the card on XX/XX/2020, and continued to use it regularly through the current time ( XX/XX/XXXX ). In the original ad, Discover had a list of features with check marks indicating the features that this particular Discover card had, as well as which of four other non-Discover cards had the same features. As you might imagine, the " Discover it '' card was the only one that supposedly offered all of the features. One of the features that was particularly attractive to me was this : " Redeem your rewards for cash at any time '' ( see attached scan of ad ). None of the other cards listed were supposed to offer this feature. I thought it was strange that the Discover ad listed the " XXXX XXXX XXXX Cash Rewards Credit Card '' as NOT having this feature. I have that card, and my cash back generally posts within about 24 hours of the time a transaction posts, and I can cash it out any time ( even before a statement is generated, and even if I only have {$0.00} in cash back ). The only reasonable explanation for this statement would be that the Discover card being advertised did not even make me wait for the 24 hours after posting ( as my XXXX XXXX card does ). So, when I started using my Discover card and cash back did not immediately become available, I felt a bit deceived. However, I did not immediately contact Discover about this issue. I did contact them to ask when my statement date was, and I was told it was the XXXX of each month. So, I assumed that by today ( the XXXX ), my statement would be generated and I would have access to my cash back for the transactions that had posted. Again, I feel that this would already be contrary to what was promised ( that Discover would offer my cash back at " any time '' when XXXX XXXX supposedly did not ), but I was willing to wait until today. Upon checking my account today, no statement was generated, and no cash back was available. I contacted XXXX, and they claimed that since I had a new account, my first statement would be delayed until the XXXX of the following month XXXX XXXX XXXX. After being given that response, I finally decided to bring up my issue with the availability of cash back. I also asked why, when I asked what my statement date was, was I told that it was the XXXX, with no additional details that there would be no XXXX statement. I expressed that I was already irritated that cash back was not immediately available, as the ad indicated, but now that they were pushing it back an additional month, I really needed to know why the ad was false. I was told that I would have access to my cash back at any time, but only once it was issued on my statement date. While I feel that it is deceptive not to have explicitly disclosed that on the ad, I suppose that legally, that's a statement they could make. However, I asked that if they considered that policy to be allowing their customers to " [ r ] edeem [ their ] rewards for cash at any time [, ] '' how did they justify stating that XXXX XXXX 's XXXX card did NOT offer that feature, when I can literally request cash back in any amount within 24 hours of the transaction posting, even with no statement being generated. They did not have a reasonable answer to this question. As a result of Discover 's falsely represented ad, I signed up for their card. In doing so, my credit score was lowered. Of course, I knew my credit score would be lowered applying for a credit card, however, I also expected that, if I was accepted, I would actually be given the features promised in the ad, which was ( among other things ), more/better access to my rewards than what is offered on my XXXX XXXX XXXX card. In contrast, I am offered drastically less access than on that other card.
Company Response:
State: PA
Zip: 19454
Submitted Via: Web
Date Sent: 2020-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These account does not belong to me. It was was opened XX/XX/2020. Discover Account number unknown. XXXX was made aware over 60 days ago
Company Response:
State: NJ
Zip: 07601
Submitted Via: Web
Date Sent: 2020-07-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This account is charged off outside of state statue. It charged off in 2010
Company Response:
State: CA
Zip: 94590
Submitted Via: Web
Date Sent: 2020-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: At the beginning of XXXX I believe Discover card decided after a customer service call to place my account on review without any reason, no late payments, no return payments, never over credit limit and never paid late. after almost two years they requested tax returns for 2017 which i refused Stating it was intrusive behavior for a {$400.00} credit limit account. Then after closing my account they started the same process with my Husbands account. I truly believe that this is pure and simple discrimination due to the fact that this all started happening right after a conversation I had with a service Representative were I identified my XXXX XXXX. Systematically they attacked me affected my credit and ended a relationship that had zero derogatory issues. I believe the are a company that discriminates
Company Response:
State: FL
Zip: 33155
Submitted Via: Web
Date Sent: 2020-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A