Date Received: 2020-07-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: It seemed like a plausible idea, getting a Discover card in order to earn the cash back. Their online application was ok, but then they wanted an address verification for an address thats been on my credit for about 25 years. Think Discover is clueless? Yeah, a bit. Then, I had to send in an address verification. Really clueless? Yep. Then they wanted to talk to me. Strangeness, since Ive never before had to speak to a credit card company to apply. Anyhow, I spoke with their representative and she seemed fine with everything. She told me I was approved and would be receiving a card in the mail. Great. I get a card and call to activate it. After some transferring run-around, I speak to a gentleman who is a bit evasive and confusing. After a long conversation where I had to elicit any actual information, it turns out I was not approved. The earlier representative had lied to me. Discover wanted to begin a lengthy, costly, and detailed background investigation. For a personal credit card? Ridiculous. And I know exactly why. And it has nothing to do with credit. Ive had credit cards for over 30 years and never failed to pay a single one. No bankruptcy. Never even made a late payment. And Discover treats me like they want to scrape me off their shoe. Obviously, creditworthiness is not a factor at Discover. What else could it be? Yep, racism and discrimination. All there is to it. They are a hateful, arrogant organization who issues credit to whomever they want. With prejudice and malice against the others. Not with impartial criteria of creditworthiness. I have a credit score upwards of XXXX, but the Discover policy makes me a persona non grata unless I want to endure a background investigation. Their ruse is to say they want to access historical tax records, but we all know thats a sham. Tax records are backward-looking and are only the beginning of a truly meaningful background investigation that takes months to give a picture of a persons responsibility, character, etc. Necessary for a security clearance? Absolutely. A personal credit card? Not a chance. If Discover was actually concerned about a persons ability to pay a credit card, the simple solution is to limit the credit amount and/or make the card secured by a deposit. Entirely reasonable for those with short and/or muddied credit histories. But to conduct an investigation on a person with no negative credit history and a score over XXXX? They were simply looking for excuses to discriminate on things other than creditworthiness. Discover is blatantly in violation of the Equal Credit Opportunity Act, which prohibits discrimination based on race, religion, national origin, gender, marital status, age, and associated factors. Sadly, a large company like Discover is allowed to operate a discriminatory credit card business while regulators, lawmakers, and state AGs let this happen. So far. Well, Ill do my part to make sure Discovers dirty laundry gets aired out. Hopefully, regulators will put a stop to Discovers discriminatory practices and systemic racism. I would have been an extremely responsible customer, and instead, they have made me into a lifelong enemy who will champion against Discover for many years to come.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In reviewing my credit I have two accounts that are not mine. Discover Financial Services opened XX/XX/XXXX balance XXXX XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX Find out to whom these belong to because they are not mine. I called both banks and they do not have my social security or my name on these files.
Company Response:
State: FL
Zip: 33625
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-14
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: On XX/XX/XXXX I opened up a Discover Bank Credit Card. I was making my payments on time. In XX/XX/XXXX I filed for Chapter XXXX Bankruptcy and it was discharged.The credit Card was included in the bankruptcy. For some reason, the Discover Bank credit card was still reporting on my credit report just recently and is affecting my credit score because it shows up as an inquiry/derogatory. I hired a 3rd party company to try and dispute this. They reached out to Discover Bank but all Discover Bank did was update it rather than delete it off my credit report. I would like this removed off my credit report so that it does not report on my credit report anymore.
Company Response:
State: MI
Zip: 48126
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My husband recently downloaded a budgeting app and when he entered my Discover Credit Card, he saw a charge for Payment Protection Plan. Since I usually just pay online and avoid reviewing individual transactions, I had never noticed the charge. The most recent charge on XX/XX/XXXX was {$83.00}. We called in and find out I have been enrolled in this Plan since XXXX of XXXX. I could not believe it. I opened the account as a college student and I distinctly remember agreeing to a monthly Wallet Protection for {$3.00} a month, which I have taken advantage of in the past, but never a Payment Protection Plan. I remember pondering whether or not to agree to the {$3.00} Wallet charge because I was a working college student and was careful of every dollar in and out. The manager on the phone said the Payment Protection Plan began on XX/XX/XXXX, and was opened based on a call at XXXX XXXX on XX/XX/XXXX, a Thursday Night. There is no chance I made that call, and I know I never agreed to this plan. I asked the manager if there was any proof written or any recording of a call where I agreed, and he couldnt come up with anything. He just said the best he could do is cancel the plan and refund us the past 6 months, that would equal {$460.00}!! We looked online and could only go as far back as XX/XX/XXXX, he is mailing us our statements back to XXXX, but each month since XX/XX/XXXX I have been charged $ XXXX {$100.00}! This charge each month has affected me in more ways in my life than just having a high card balance. We researched and found over XXXX XXXX consumers have been affected by this same tactic by Discover Bank. I feel insulted at the offer of {$460.00}, and I believe I am owed a full refund for the total amount I was charged without my knowledge or consent.
Company Response:
State: TN
Zip: 37115
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
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/XXXX, I bought a new XXXX on the XXXX website for my best friend 's birthday gift. However, I think the package was lost. More importantly, XXXX never asked me for a signature, so I didn't sign for this package, which may be just be put there and someone took it directly. I contact XXXX for a week and no one wants to responsible for this. Then, I asked my bank, Discover, to hold the money. I hope to give me some time to investigate. Last month, my dispute was failed because XXXX had proof of delivery. The fact is I didn't sign! On the day of the delivery, I never got a call or email to ask me for a signature. I tried to contact XXXX and Discover these days, but they are beginning to pass the buck to each other. I really need an answer to this. I am helpless. I don't know how to prove that I didn't sign for the package. And I indeed searched for everywhere of the building. It's been almost 2 months ... Please help me.
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am reaching out requesting the follow delinquencies reporting on my credit file be updated. I know the account is currently in a charged off status and settled for less then the balance during the time that the account went delinquent I was going through a difficult time with medical issues that started XX/XX/XXXX all the way up until the account charged off in XX/XX/XXXX. Being in and out of the hospital starting in XX/XX/XXXX all the way beyond XX/XX/XXXX has caused a hardship for me not being able to pay my bills due to medical issues that caused me not to work. I am requesting for the negative payment history to be updated during that time frame due to it being out of my control due to my sickness not being able to work.
Company Response:
State: NV
Zip: 89032
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Discover card is put on my credit that I owe them {$300.00} when the credit card was a secured credit card the {$300.00} I paid to begin with what is offset the XXXX Anythink plus the interest to what I owe them you can't put interest on a credit file
Company Response:
State: TX
Zip: 75219
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was an inpatient from XX/XX/2019 - XX/XX/2019 and under the responsibility of XXXX XXXX XXXX at the time any charges on my discover card was incurred i am not responsible for the debt.
Company Response:
State: VT
Zip: 05401
Submitted Via: Web
Date Sent: 2020-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
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 bought XXXX XXXX tickets in XXXX for my family to fly to XXXX. We were charged {$990.00}. I disputed the charges as we were restricted by NYS to fly to XXXX in late XXXX XXXX XXXX and XXXX was closed. We received our money back from every vendor except XXXX. I disputed the charges with discover and my account at the time had a {$0.00} balance. Discover immediately issued a temporary credit for the full disputed amount ( {$990.00} ). My account then had a negative balance for - {$990.00} and Discover never received any information or documents from XXXX showing that the charges were valid or approved by me or any services rendered. They initially ruled in XXXX 's favor ( without receiving any documents from XXXX ) and charged the money back to my account bringing the balance to {$0.00}. However, they also sent me a check for {$990.00} and before I cashed the check, they immediately applied another charge to my account for {$990.00}. I then called back and asked to talk to a supervisors supervisor. No one every called me back. I would call in numerous times and ask for multiple call backs and have never received one. I also uploaded supporting documentation about XXXX 's voucher policy and that my voucher balance didn't add up to the original purchase amount. A woman from Discover credited me {$180.00} and told me she would look into refunding me the remaining balance. She never called me back and when I called discover back to explain what happened they told me I needed to provide more documentation for my dispute. However, at this point, Discover still never reached out or heard anything from XXXX. When I told them I was never asked for this information previously and the representative told me she was looking into getting me my money back, they just acted as if that call never happened and when I asked them to pull those call records they refused. I was then told and guaranteed by a representative in the fraud department that if I claimed the charges were fraud that Discover guaranteed multiple times I would receive all my money back. After I submitted the fraud claim, discover refunded me additional money so my balance was around {$600.00} on the account down from the original {$990.00}. I kept calling to see when the remaining balance would be refunded and I was told it would take 10 days. I would consistently call and ask for a manager to call me back and no one would ever call. Now my balance, which originally started at {$0.00}, has no grown to {$1500.00}. I haven't made any additional purchases on this account during this entire process, except one charge for {$0.00} for my XXXX data storage. This is fraud for a company to add an additional balance to my account.
Company Response:
State: NY
Zip: 12303
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2019 using XXXX I booked round-trip flight from XXXX, MA to XXXX, XXXX requesting specific dates of departure and return as well as FLIGHT INTERRUPTION INSURANCE ; told to request FLIGHT INTERRUPTION INSURANCE after the booking ; I provided my DISCOVER card for payment. BUT after booking I was informed that I could not obtain FLIGHT INTERRUPTION INSURANCE through XXXX. I immediately INSTRUCTED CANCELLATION of the flight HOWEVER XXXX TOLD ME TO CALL BACK TO CANCEL alleging need to connect to another department. I stayed on-hold for some 30 minutes with no one picking up the phone after the initial brief message to " hold & someone will be right with you. '' I therefore emailed a cancellation receiving a reply acknowledging the cancellation some 6 or more hours later. With that I considered the mtter ended. On oXX/XX/2019 I wrote to DISCOVER attaching cancellation confirmation from XXXX I However on XX/XX/2019 I receive a DISCOVER email claiming a XXXX charge of {$75.00} without stating what it was for or why. For which reason after challenging via tel-con I ordered the cancellation of my DISCOVER card and payed all amounts save for the fraudulent {$75.00}. Since then DISCOVER has acted on the threat to destroy my credi standing seeking to coerce payment of the fraudulent charge and has made it near impossible for me to ESCALATE the dispute or to provide address for that purpose and so-called customer support refuses explanation other than " vendor claims '' or words to that effect. Bouncing as " UNDELIVERABLE '' emails with documents attached. As I am some XXXX miles from the US and the XXXX Virus caused XXXX XXXX to cancel my XX/XX/XXXX return flight I have been further delayed in being able to act on this fraud perpetrated by XXXX wit the aid & wilfull assistance of DISCOVER. It has not helped that I am XXXX years old with XXXX XXXX and unreliable Internet service. Return currently rebooked for XXXX XXXX with no garantees that it may not again be cancelled.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A