Date Received: 2023-10-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: on XX/XX/XXXX I called discover company helpline number to request some letters that were sent to me in past years. After talking to discover employee for more then 45min, they rejected my request. I need all the " Credit line increase denial letter '' that have been sent to me from XXXX till XXXX. I want them for legal purposes. I need all those letters from those years everytime discover rejected my credit line increase request.
Company Response:
State: TX
Zip: 75234
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
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: Bought a bunk bed for XXXX of my kids as they have outgrown their XXXX bed. Went to bed bunk & mattress for bunk beds, saw 1 and decided to buy it. owner of the company told me that he's going to deliver the bed and install it at my house on Monday XX/XX/2023. My wife was waiting all day and he ended didn't show. call his store and he keep telling us he will deliver it 3 different times and he didn't deliver it. called my discover credit card and the agent told me to keep trying to get in touch with him for a week to resolve the issues, if i'm still not able to resolve it, i can file a claim. on XX/XX/2023, filed initial claim and told discover card that I didn't receive the bunk bed that i paid for and been calling the owner, no respond and in the end decide to file a claim since i never received the bunk bed. On XX/XX/XXXX i called again and find out the initial claim that the agent have done is not correct, spoke to the 2nd agent about the whole issues again, telling him that i tried working with the store for a week and he didn't want to work with me and told me all sales are final and told me i can't get the money amount of {$430.00} back even though he didn't deliver and install the bed for me. The agent told me that he will make the necessary correction and i even ask him whether should i file a police report and write a statement for my side of the story, he said i didn't need to do that. Called for the 3rd time on XX/XX/2023 and this time the agent wants me to get a confession from the store owner stating that the owner didn't want to deliver the item and not refunding me the money. I try to do her way today and stop by the store and spoke to the store owner, he literally laughed at me and told me to get out of his store and threatened to call the cops and put me in jail if i didn't leave the store, since his store is private property. Called and spoke to XXXX from dispute department and she keep telling me that there's nothing much that discover dispute department can do even with a police report and office of attorney general formal complaint, Discover card will not refund me the money that i've paid to the store. The only thing she can do is to file a formal complain about how the way i was treated to corporate, i asked her for the corporate email address or phone number so that I can follow and she said that the executive office doesn't have a direct line or email address that i can call or follow up. She told me I'm more than welcome to call back to Discover Customer service at anytime for an update, which i'm sure if i call in in a week, 2 weeks, 3 weeks or in a month, the dispute customer service agent will tell me a white lie saying that there's no update. I've tried everything that I can think of, I followed Discover card dispute agent advise and i end up with getting more unnecessary issues from it. Pease assist me in resolving this issues as i have tried to resolve it with Discover since XXXX, till now the discover claims department would not do anything except to apologize.
Company Response:
State: WA
Zip: 98499
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am not sure why credit card companies have started a trend or reporting incorrect information on consumers credit report but Discover Card experienced a data breach and that the information reported is incorrect but they still continue to report 1 late payment on the 3 credit agencies XXXX, XXXX and XXXX this is a violation of my rights as a consumer. Please fix errors in my credit report and report me. I should not have 1 late payment.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
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: XXXX XXXX XXXX I purchased a vehicle from XXXX XXXX -The vehicle was described as " good running vehicle, no mechanical issues except a TPMS '' -When I received the vehicle it was in complete opposite condition. The vehicle had blown headgaskets, blown motor, missing driveshaft, and many other things totaling over XXXX dollars worth of repairs. -I immediately contacted XXXX XXXX. They refused to refund me and take back the vehicle. XXXX XXXX XXXX I contacted discover to dispute the XXXX charge that I put on my credit card to XXXX XXXX. ( the total was XXXX however XXXX only allows XXXX XXXX to the credit card ). The rest was done via wire transfer. -Discover first ruled in my favor, then against, then in my favor, then against. They refused to re open the dispute although I have provided more than sufficient documentation showing that I was sold something other than what was described. -Discover told me since I signed an " as-Is '' statement that the charge is valid. However the as-is statement was signed on false pretenses of XXXX false advertisement. -If I had known that vehicle was in complete inoperable condition I would have never signed that document. XXXX commited fraud. -I have attached documents that discover has already. They range from the following : -Email conversation between the seller and I where they assure me the vehicle is in good mechanical condition with no issues other than the TPMS XXXX -Pictures of the vehicle the day it arrived. -Pictures of the vehicle showing oil leaking while still at the sellers location ( provided by the shipping agency ). -Pictures of some XXXX correspondence between XXXX and myself where XXXX is knowingly admitting to their negligence in reporting issues with the truck in regards to it missing a driveshaft. -Pictures showing an advertisement for another vehicle listed as NON OPERABLE, however the vehicle I purchased was listed with the only issue being a TPMS.
Company Response:
State: MO
Zip: 644XX
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: There was a {$840.00} charge on my Discover credit card that I did not do. It says it came from California and I live in Michigan.
Company Response:
State: MI
Zip: 48127
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the FCRA this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
Company Response:
State: NJ
Zip: 07112
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I received my statement from Discover Card in XX/XX/XXXX. I noticed a charge from XXXX that I didn't make. I don't shop at XXXXXXXX XXXX. I went online with Discover Card and disputed the charge. They said they would investigate. On XX/XX/XXXX their answer to my dispute came in the mail. They determined that I was liable for this unauthorized charge. On XX/XX/XXXX I mailed them a letter stating my disagreement with their decision I never got a response. I paid the {$250.00} to preserve my credit rating, stopped using the Discover Card and froze the account. I figured I had learned a lesson to not deal with Discover and was going to let it drop. But their lir on their commercials " YOU WILL NEVER BE RESPONSIBLE FOR UNAUTHORIZED PURCHASES '' was more than I could stomach there for I m filing this complaint. They should not be allowed to lie like that in their commercials. Thank You, XXXX
Company Response:
State: OH
Zip: 45241
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Discover bank will not allow a CD to stop the auto renew option until a short window of time towards the end. If I don't remember to change it at the very end, it renews without my permission. They need to allow this to be edited at any time so it does'nt renew at termination. This is a very poor business practice that is not fair to people. The regulators should stop this from happening. I am not asking to be able to cancel the CD mid term, I am only asking that I should be able to provide instructions to not renew it at any time during the term. Discover is not fair to their customers! This is a deceptive business practice.
Company Response:
State: PA
Zip: 19014
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Other transaction problem
Subissue:
Consumer Complaint: was meant to receive a international wire transfer from a party outside the XXXX, they sent the transfer on their end all looks good but i have not received anything. banking with discover so international transfers go through XXXX XXXX. discover support was not able to help tracking the funds when i supplied them with a XXXX code. went to XXXX support site and submitted a ticket have not heard back. I am led to believe that the wire was correctly sent XXXX got it and somehow it has not made it to Discover bank.
Company Response:
State: NV
Zip: 89044
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
Company Response:
State: FL
Zip: 33705
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A