Date Received: 2020-07-18
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I have a DISCOVER BANK CREDIT CARD which for the year XXXX - XXXX have taken out balance transfers BALANCE TRANSFER HISTORY : {$3900.00} Deposit into Checking DISCOVER BANK ending XXXX Sent to your checking account on XX/XX/XXXX. Promo APR 6.99 % Promo Expires XX/XX/XXXX {$7000.00} Deposit into Savings DISCOVER BANK ending XXXX Sent to your checking account on XX/XX/XXXX. Promo APR 0 % Promo Expires XX/XX/XXXX {$7000.00} Deposit into Savings DISCOVER BANK ending XXXX Sent to your checking account on XX/XX/XXXX. Promo : APR 0 % Promo Expires XX/XX/XXXX My problem and issue is this : I have two {$7000.00} Balance Tranfers that will be expiring their 0 % APR on XXXX and XX/XX/XXXX In order to off set the high Interest rate of 17.99 % that I will be charged when the 0 % APR expires. I took out another Balance Transfer on XX/XX/XXXX in the amount of {$3900.00} at 6.99 % for 15 months in order to pay off the oldest loan expiring on XX/XX/XXXX Much to my distress is upon requesting an update on my loans balances, I find out that Discover had taken the {$3900.00} payment that I send and applied the payment to the newest loan instead of the oldest loans. In essence they took the payment of {$3900.00} and paid off the new loan of {$3900.00} in full by XX/XX/XXXX. Here 's is the update of my Balance transfers owing : CHAT MESSAGE XX/XX/XXXX Hello XXXX! This is XXXX in XXXX XXXX XXXX. I would be happy to help you today with an update of your balances. The balance ( s ) disclosed is as of today XX/XX/XXXX Balance transfer - Expires XXXX XXXX, balance of $ XXXX 0 % APR Balance transfer - Expires XXXX XXXX balance of $ XXXX 0 % APR Balance transfer -Expires XXXX XXXX balance of {$0.00} - 6.99 % APR Here 's my Payment History : Payment Date ; Amount XX/XX/XXXX {$1000.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1200.00} -- This Payment was also applied right away to the loan of XX/XX/XXXX I have been notifying Discover Credit Department of their error in applying my payments. I have always understood that the oldest Balance Transfer will be paid first. I believe that they have deceived me and dishonored their agreement by taking my payments and paying off a loan which they agreed to give me 15 months to pay back. This will give me undue stress when I have to start paying the high Interest after XX/XX/XXXX In order to resolve this issue is for Discover Bank to honor their agreement and apply my payments to the oldest loans first. Thank you, Sincerely, XXXX XXXX
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have Contacted the company to get this inaccurate information cleared up but they have failed to do so. They have not provided any information about this account belonging to me such as the original promissory note or any form of indebtedness. I have already contacted the company 3 times and no response.
Company Response:
State: AL
Zip: 35211
Submitted Via: Web
Date Sent: 2020-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-17
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: On XX/XX/2020, I purchased a product from XXXX XXXX XXXX XXXX for {$540.00}. It was shipped on XX/XX/2020 using XXXX with a tracking number of XXXX. On XX/XX/2020, it was supposedly delivered to my apartment at XXXX. I never received the product. The door to my apartment was never rang, even though I was home the whole day. The package was not around the apartment or at the mail center in the building. I contacted the leasing center for my building and it wasn't there either. On XX/XX/2020, I contacted XXXX to get more information about the delivery. They told me they would have to wait for the following Monday before giving any updates since they need to wait for the driver. At the same time ( XX/XX/XXXX ), I emailed XXXX & XXXX XXXX customer service to let them know about the situation. On Monday, XX/XX/XXXX, I didn't hear anything back from XXXX, so I called them again, to which they said they would contact me the next day with updates. They didn't call me the next day, so I emailed XXXX XXXX XXXX XXXX again asking for my order to be reshipped. They responded telling me they were waiting on XXXX and that it would take 3-5 days. On Thursday, I emailed XXXX XXXX XXXX XXXXXXXX again asking for updates. They responded on Friday saying they are still waiting on XXXX. On Monday, XX/XX/2020, I emailed XXXX XXXX XXXX XXXX again asking for updates. They told me they would receive an update from XXXX on XX/XX/XXXX. During this time, I had also been calling XXXX trying to get any updates from them directly. On XX/XX/XXXX, I hadn't heard anything from XXXX XXXX XXXX XXXX, so I called XXXX and they basically told me that they think they delivered the package to the correct address and that to resolve this I should contact XXXX XXXX XXXX XXXX for a refund. I emailed them that day demanding a refund or I would open a dispute with my credit card company, Discover. On Saturday, XX/XX/XXXX, I opened a dispute with Discover to reverse the transaction. I basically told them the story I am writing here. They reversed the transaction. On Monday, XX/XX/XXXX, I finally got an email from XXXX XXXX XXXX XXXX saying they opened a claim and that they were going to give me a refund. They sent me a form to fill out which basically asked me if I wanted a refund or them to reship the product, and that they were going to file a loss with their insurance company. It also said that if I do end up receiving the product, I must ship it back to them or I face a fine. I agreed, asking for a refund, signed the form and emailed it back to them. At this point since I already had reversed the transaction through Discover and have gotten confirmation from XXXX XXXX XXXX XXXX that they were going to give me a refund, I thought everything was resolved. On XX/XX/XXXX, I noticed the transaction was reapplied to my credit card. Discover had denied the dispute on XX/XX/XXXX, I believe. The only reason I noticed was I was checking my statement. They had supposedly sent me an email, mail and secure message when this was done, but I had never received those, so I only found out more than 2 weeks later. That night, I messaged Discover though their chat application on what I should do. I provided the form to Discover ( the one I filled/signed for XXXX XXXX XXXX XXXX ) to the dispute. Discover told me I would need to contact XXXX XXXX XXXX XXXX to get them to confirm the refund. I sent emails that night to the XXXX XXXX XXXX XXXXXXXX email address ( XXXX XXXX that originally sent me that form to follow up and get this resolved. I explained this whole story again to them and asked why I didn't end up getting the refund confirmed despite filling out the form. On Monday, XX/XX/2020, I called XXXX XXXX XXXX XXXX customer service to get more information. They informed me to email XXXX. I emailed the same thing to that email address. Tuesday, sent a follow up email. Wednesday, called XXXX XXXX XXXX XXXX customer service again. They told me, they informed the chargebacks department and I should get a response by the end of the week. Didn't hear anything back from them. I called XXXX XXXX XXXX XXXX customer service again on Monday, XX/XX/2020. They told me again that they informed the chargebacks department and I would hear from them soon. Nothing. I called again on Tuesday, XX/XX/2020. They told me that they informed someone else and that they would check with accounting to make sure they received the money from the transaction, and after confirming that they would give me a refund. They told me I would hear back in 1-2 business days. On Friday, XX/XX/2020 I had still not heard anything. After not hearing anything on Friday, XX/XX/2020, I contacted XXXX XXXX XXXX XXXX customer service again. This time they informed me that they closed the claim that I had originally made. They had also told me that since I made a dispute with XXXX that they weren't going to reopen the claim or look into this issue any further. Basically, they weren't going to honor the refund, despite me filling out the form a doing everything that I did, because I opened a dispute with Discover. I contacted Discover the immediately afterwards and they told me, since they had received confirmation of delivery by XXXX XXXX XXXX XXXX of the product that I would need to take it up with them or XXXX. Discover would not look into the dispute anymore since the store saying that the product was delivered is good enough. Since XXXX XXXX XXXX XXXX and Discover both said they wouldn't look into this anymore, I contacted XXXX again. They informed me that since the last call that I gave them, on XX/XX/2020, that no further investigation had been made on this package and that XXXX XXXX XXXX XXXX had not done anything to try to investigate. Basically, XXXX XXXX XXXX XXXX didn't do anything with XXXX after I started the complaint, despite them repeatedly telling me that they need to wait on XXXX. So, here I am filing a complaint to the CFPB directly, since this issue still hasn't been resolved. I find it outrageous how they won't honor a refund because you opened a dispute with the credit card company and also that Discover won't help push forward on this dispute at all, just because the store said they delivered the product. ( Which I was aware that the status of the package was marked as delivered from the start ). In conclusion, never do business with XXXX XXXX XXXX XXXX and don't expect Discover to help you at all on situations like these.
Company Response:
State: CA
Zip: 90045
Submitted Via: Web
Date Sent: 2020-07-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-17
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 repeatedly advised Discover that I was a victim of Identity theft and even provided w police report. Discover advised that because their name was not listed they could not use it. The identity theft was brought to my attention due to applying for residence and being denied due to an eviction which led to a judgement being placed on my credit. I found that someone fraudulently obtaining a lease in my name which can be verified with XXXX XXXX and the police report. This led to me pulling my credit reports as I filled a police report and after began closely examining my credit card statements ( as I never did only paid them without looking at the activity ) where I came across alot of fraudulent activity and immediately contacted my current credit card companies as I was still in possession or possibly lost/stolen. I have been hospitalized and then placed in XXXX due to Exacerbation/Relapsing with my XXXX XXXX brought on by the stress of this situation where I loss the use of my hands. I am currently receiving In home Infusions due to the impacts of this stressful situation ( new brain lesions, increase cognitive impairment, numbness etc ). I am tired and will not allow this to kill or permanently impair me. I had submitted emails to them and even talked to reps and NOONE seems to care
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Good Morning and how are you doing during this pandemic? Listen, I was shocked when I reviewed my credit report and found this derogatory account in my credit file. I've attempted so many times to reach out to this company but they refused to provide me any details. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumerto dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. Otherwise, please provide me with your documentation showing that this account does indeed belong to me. Please send me copies of the contract used to establish the account with my signature on it. Pursuant to the above referenced Title Section XXXX XXXX ) ( XXXX ) : I will expect a written reply within the required 30 day timeframe.
Company Response:
State: MA
Zip: 02740
Submitted Via: Web
Date Sent: 2020-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Discover Credit Card took an unauthorized XXXX dollars out of my bank account. I asked the to just take out XXXX dollars automatically. Instead and without my knowledge or approval they instead took out XXXX on XXXX.20. I contacted them twice and both times they could not read policy or give me policy explaining that they were legally able to take money without my authority. They reported that they would do nothing to help
Company Response:
State: WV
Zip: 265XX
Submitted Via: Web
Date Sent: 2020-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I had a late payment for {$8.00} in 2018 XXXX, I used to have auto payment directly from my bank 's checking account. However, since back then I was back in school and I was having a really hard time balancing between school and work, I did not have sufficient funds in my account and I missed one single payment for {$8.00}.
Company Response:
State: CA
Zip: 94704
Submitted Via: Web
Date Sent: 2020-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My credit file shows late payments on my Discover Bank credit card. I contacted the company and they advised that they have not reported any late payments and that I would have to contact the credit bureaus. I contacted the credit bureaus and they advised that I would have to contact discover. Discover is still unable to assist me on a mistake that they made. I was not late on my credit card payment.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2020-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-16
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Discover calls everyday at least 5-10 calls per day ... sometimes twice per hour. This is harassment at its core. But I have asked them to stop yet they continue so it is now illegal and I am asking for your help to make them stop calling me.
Company Response:
State: PA
Zip: 19114
Submitted Via: Web
Date Sent: 2020-07-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My personal information was stolen and used to open several fraudulent accounts. I was not aware of these fraudulent accounts until given my credit report after trying to apply for an auto loan. I have reached out to all companies as well as credit bureaus, I have also filed a report with my local PD as well as submitting and ID theft affidavit with the FTC. The credit bureaus have refused to remove these fraudulent account that are showing on my credit reports. These accounts were not authorized by me.
Company Response:
State: FL
Zip: 34761
Submitted Via: Web
Date Sent: 2020-07-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A