Date Received: 2020-07-22
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Discover offered my XXXX percent interest for 18 months on purchases and balance transfers. They have changed my purchases interest rate but keep the balance transfer rate. They also illegally allocated my payments to my balance transfers and not the purchases.
Company Response:
State: OK
Zip: 73401
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-22
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I had a personal loan with Discover Bank and the wife ( now deceased ) and I did a debt program through XXXX XXXX for consolidating and reducing our debt after I retired. The debt was settled on time and on schedule by the approval of the Court. The amount is showing up on a JUDGMENT OF LIEN ( XXXX ) AND DATED XX/XX/XXXX AND RECORDED XX/XX/XXXX, CASE # : XXXX. This agreed settlement was paid as agreed.Originally {$10.00}, XXXX and the agreed amount was {$5200.00}. The judgment was on Case number XXXX in XXXX XXXX XXXX, XXXX XXXX, dated XX/XX/XXXX XXXX and on XXXX XXXX, XXXX XXXX XXXX. The Case was switched from XXXX and XXXX to XXXX and XXXX, XXXX. midway through somehow, I don't know, as both worked on behalf of Discovery. I have the cancelled checks made out to XXXX XXXX XXXX - they cashed them. There seems to be a mix up that I was unaware of until applying to refinance my home to get some money to help my XXXX son get a home of his own. I was informed by XXXX that there is a lien on my property. The only LIEN number I was aware of is XXXX in association to the case number for Discover under XXXXXXXX XXXX XXXX XXXX. The Case Number with them was XXXX. I have the canceled checks, letter from the court that the lien is released, so I'm mystified and upset that this was not taken care of. Divcover has assigned the amount to other debt collectors after it was paid off, and I have some of these to show they are either inept, crooked, or thieves? Take your pick. I need this resolved and consider it age harassment - they must think I forgot I paid them?????? The LIEN on the home for Discovery is XXXX, which is not what my Court Document gives - yet Discovery and the dollar amount is the same. They have repeatedly said this was taken care of and they would not be assigning further debt collectors, but why is the LIEN on my home not released? Further harasment, age abuse, or just inept business/legal teams that can't keep a case correctly? Your help is much appreciated. THANKS! Also important - They reported the full amount of the {$10000.00} figure on a 1099 to the IRS for LAST year, even though it was paid off for less than owed in years before - about half. I did try to contact them on this mis reporting my tax liability, both in the amount and the year. I never heard back from them on that either! So why are they doing these things? Total harassment in my opinion.
Company Response:
State: OH
Zip: 44641
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Roughly XX/XX/2019. XXXX. A little over XXXX paid down to XXXX, XXXX. Went through fraud crime 's and was denied. I filled numerous times for fraud and was denied. A bank in Arizona was paying it off and charging it and paying it off without my knowledge they then had all the charges reversed and stuck onto my account. I live in the XXXX and do not know anyone in that area. My card was stolen and was used in a town over. Living in a college town it could be anyone from XXXX individuals. That also shop in the same area. They stated that I had lied and withheld information which i know i had never once done. This is not something i did and there is no need for me to lie or withhold any information used to help my investigations. I have already paid XXXX on something that i had not even done. I can no longer afford a mistake that I didnt even create.
Company Response:
State: WI
Zip: 548XX
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
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: - XX/XX/ 2020 : I made a transaction on XXXX XXXX Transaction ID : XXXX ) using my Discover business credit card for TS Duplications. XXXX XXXX 2020 : I reported to XXXX that I was not delivered the services promised by XX/XX/XXXX. XXXX did not resolve the dispute fairly so I took it to Discover. The dispute and the dispute is still open. -XX/XX/XXXX 2020 : I filed a dispute with Discover ( Dispute # XXXX ) against a transaction amounting to {$1100.00} that was made onXX/XX/XXXX with merchant name XX/XX/XXXX. The transaction was reverted as Discover disputed it with XXXX. -XX/XX/XXXX XXXX 2020 : XXXX emailed me stating that I had reported unauthorized activity on my Discover card. It was wrong I never did it. Anyway, I provided the details they wanted and they were same/unchanged and the query was satisfied/rectified. There was no basis of me applying for any such claim. In the meantime they reopened the dispute withXX/XX/XXXX and it is still open as I write this. XXXX XXXX 2020 : Discover rejected my dispute without mentioning the reason on the documents sent to me. Stating that based on the documents provided by the merchant my dispute was denied. The letter is attached. XXXX XXXX 2020 : I saw the same transaction amounting to {$1100.00} reverted and I called Discover dispute department where I spoke to XXXX and he told me that according to the merchant it takes 6 months for me to get the revenue from my marketing activity- upon which I told him that 6 months are over. He told me to upload the related documents on my Discover 's online dispute section which I did aptly ( on XX/XX/2020 ) along a letter specifying the details.This is the call data : XX/XX/XXXX2020,XX/XX/XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX 13 Min. I asked him why I haven't received any letter, email or notification of this reversal to which he said that I have already been sent a letter. I told him I have never received any such letter by mail or email. - XX/XX/ 2020 : I receive two letters. One dated XX/XX/2020 stating the reversal of the disputed transaction. The second letter responded to my rebuttal and it said the same thing without specifying any reason. It means that their claim of pending royalties and my response to prove that it was wrong was either baseless or was an effort to mislead me and/or this case dispute. The supporting documents attached also include XXXX 's rebuttal in which they stated that this transaction was not unauthorized- I never disputed that it was unauthorized. It was plain and simple I paid through my credit card as a protection that in case I was not delivered the services. I will have a credit shield to protect my fraudulent financial merchant 's such as XX/XX/XXXX - XXXX XXXX 2020 : I called Discover helpline again and spoke with XXXX at the dispute department. I called at XXXX pm EST and spoke with her for 15 minutes. Over these 15 minutes- her entire conversation was filled with inconsistencies : >XX/XX/XXXX informed me that my case has been closed although it shows open both on Discover and XXXX online platforms. I have screenshots as evidence. >Additionally upon asking what was the reason of this closure as Discover had not specified it on the letters sent to me. She first asked me what the dispute was about and I told her that I did not receive the royalty according to agreement I had with XX/XX/XXXX. And that I have uploaded the documents requested by XXXX earlier. >To which she responded that Discover doesn't deal in royalty claims. I said I am not asking you to pay my royalty. I am just asking that the transaction that I made should be refused as I am not satisfied with the service that XX/XX/XXXX delivered. I made a transaction in good faith and against which I did not receive the service. >When she couldn't respond to royalty as the reason of rejection. She said according documents provided by the merchant- the agreement says I couldn't file a refund. I mentioned that I have not received the service for which I paid. I am the owner of this Discover credit line- I paid for this transaction. I am not satisfied and I am feeling forced to accept the service and pay for it through Discover because my bank is favoring the merchant and abusing my credit line without my authority and satisfaction. >The refund clause is only for orders in progress. Once the order is completed and if they couldn't deliver what they promised- they are legally liable to not charge me for the services that are not availed. This is outright unethical and illegal to force me to pay for something that is promised at a later date. And if I was not delivered what I paid for- I have no reason to be forced by Discover to pay for it. Just because they think they have to power to violate my consumer credit rights. >I told her how can she say that Discover is acknowledging the claim of the merchant for same royalty and deny my documents which are directly and rightfully addressing the claim and its plausibility. > I told her that I was recording this conversation and I will report this violation to CFPB. To which she responded I can do whatever I want and that I will still have to pay for something that I did not avail. My credit line has nothing to do with protection or coverage against misuse for this transaction. >Last but not least on XXXX XXXX 2020 XXXX reversed two transaction each amounting {$240.00} fromXX/XX/XXXX XX/XX/XXXX. It had the same claim and dispute. Why in that case I was right and in this case I was wrong. Why Discover is supposed to decide the policy of consumer credit rights and they feel free to agree and reject based on legal parameters or liability.
Company Response:
State: NY
Zip: 11423
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Discover provided me the option to lock/freeze my credit card in order to pay down debt. Now they are refusing to unlock my account.
Company Response:
State: PA
Zip: 19132
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Discover card reported my credit card account delinquent to the credit reporting agencies in XXXX of 2019. I have had this credit card account open for 10 years and Discover always deducts the monthly payment from my account every month. But last year I noticed a late fee and contacted them about why the payment wasnt deducted from my bank account and why I was assessed a late fee. The operator assured me the problem would be corrected and the monthly payment would be deducted from my bank account. Another 30 days had passed by and I saw that Discover still did not deduct the monthly payment from my account and contacted the credit reporting agencies that my credit card account was delinquent. I dont know why Discover did not deduct the payment from my bank account after they reassured me that they would and why the credit reporting agencies were contacted.
Company Response:
State: NJ
Zip: 07430
Submitted Via: Web
Date Sent: 2020-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: Around, XX/XX/2020 I was paying my credit card bill on my Discover card. I sent money inside an envelope to Discover Card to pay my bill. So I sent in {$620.00} in 20 dollar bills and some one dollar bills. Some 10 dollar bills and 5 dollar bills to Discover Card. I noticed it never arrived on my credit statements. So I called Discover Card several times at customer service number. The lady that answered my Questions said they never received any money there and I knew that was not the case, so she said maybe the postman never picked it up or maybe the postman took it. I knew for sure he picked it up because I made sure he received it. So I called customer service again and I dont know if it was the same lady from before but this lady said go to the post office to check, so I did. I told the counter post office worker the problem I was having and he said the postman that picked up my mail would never go thru anyones mail even if he knew money was in it, and the postman definitely delivered the mail to Discover card and they received all my other mail that was sent to them. I found out that the post office counter worker was telling me the truth and Discover Card allegedly was not telling me the truth. I called Discover Card again to ask for my {$620.00} dollars back and I knew they had received my money all along. They said they cant help me ... sorry. I was able to send that amount of money to Discover Card because my car insurance company gave it to me because they owed money to me. PLEASE HELP ME RESOLVE THIS PLEASE. THANK YOU.
Company Response:
State: NY
Zip: 11701
Submitted Via: Web
Date Sent: 2020-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: DISCOVER closed my account, personal credit card, after 10 years of use with no serious delinquency and no explanation ; I made payments on time except for a couple of times years ago.There was no suspicious activity or complaints from my end. They said they were going through a 'verification process ' and wanted all my personal banking info with statements for the last 3 months and tax info, mind you this is with me making all my payments ON TIME AND NOT ASKING FOR ANY KIND OF CREDIT INCREASE OR LOAN OR MORTGAGE. There was no suspicious activity or complaints from my end. I gave them my tax info and verification of bank with my home residence.
Company Response:
State: CT
Zip: 06810
Submitted Via: Web
Date Sent: 2020-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Time Sensitive XX/XX/2020 Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Numbers : XXXX To Whom This May Concern : I am writing to dispute fraudulent charges on my Discover card account. I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charges and any related finance charge and other charges from my account. You marked this account as closed and charged off. You already have my Identity Theft Reporting documents supporting my position, and a copy of my credit report showing the fraudulent purchases items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). Account applications made on paper, online, or by telephone Application records or screen prints of internet/phone applications Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on all applications and accounts Stop reporting information about the debt to credit reporting companies Expired Statute of Limitations 6 years in Pennsylvania This letter is to inform you that I am aware of my rights under the Fair Debt Collection Practices Act and my state laws. I have verified through my states Attorney General that the Statute of Limitations for enforcing this type of debt through the courts in Pennsylvania has expired ( see attachment ). Therefore, should you decide to pursue this matter in court, I intend to inform the court of the expired Statute of Limitations. This letter will serve as your formal notification that I consider this matter closed and ask that you or anyone else from your company stop contacting me regarding this fraudulent debt matter, except to advise me that your debt collection efforts are ceasing or that a specific action allowed by the Fair Debt Collection Practices Act or my state laws, will be taken. Please be advised that I consider any contact not in compliance with the Fair Debt Collection Practices Act to be a serious violation of the law. Please use the attachment provided form IRS-1099c to write off this fraudulent debt and crease reporting me to the nationwide credit bureaus ( CRAs ). I will immediately report any violations to the proper authorities and take whatever legal action is necessary to stop this contact. Thank you for your cooperation. Sincerely, Cc : Consumer Financial Protection Bureau Cc : Pennsylvania Office of Attorney General XXXX XXXX XXXX, PA XXXX Cc : Pennsylvania Unfair Trade Practices and Consumer Protection Law ( UTPCPL ) Cc : XXXX XXXX XXXX
Company Response:
State: PA
Zip: 19103
Submitted Via: Web
Date Sent: 2020-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-19
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I ran into some trouble paying the card due to the coronavirus and now they wont reinstate my card and are saying that its going to keep being periodically reviewed which is complete lies. So they are stealing my money
Company Response:
State: MD
Zip: 21202
Submitted Via: Web
Date Sent: 2020-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A