Date Received: 2020-07-01
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: Last year we after clicking on an ad about a work from home opportunity we didnt realize that we were being sucked into an online business scam costing us now over {$16000.00}. It started with a simple {$97.00} fee claiming that we would begin making money immediately. That has not been the case, we have been strung along charged more and more money all for nothing. These companies should not be allowed to take credit cards and we want these charges immediately disputed and returned to us. They have not performed and deceptively took our payments under false and misleading pretenses. While Discover says we only have 60 days to raise a claim we have found information online that says otherwise. We would like to see the following charges refunded. Thank you. XX/XX/19 {$97.00} by XXXX XXXX XX/XX/19 {$64.00} by XXXX XXXX
Company Response:
State: TN
Zip: 37211
Submitted Via: Web
Date Sent: 2020-07-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Per court order my ex husband is sole owner of account and I was to be removed. I went to XXXX XXXX and they could not help me or get into the credit account file to make the change. I reported on all three credit bureaus discover credit cart is reporting in my credit file as well and it is the same issue it in not a joint account I do not have access or own these credit cards
Company Response:
State: CA
Zip: 93722
Submitted Via: Web
Date Sent: 2020-07-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-30
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: Our Discover card was used fraudulently last summer. We contacted them immediately and let them know that we had this problem and that the person who did it also changed all our online log in information. Discover card let them change it. They said the person who called had our information and Discover card let them change all contact information except for being in our name and our address. The person spent all the money in a 3-day period. I first put a freeze on the account. The person who was stealing the funds took the freeze off. I then called Discover card and was told that they would investigate tithe told me we should freeze our credit since it appeared my husbands identity had been stolen. When asked what else we should do they said that was it. On XX/XX/2019 they sent a letter saying it was not fraud, they knew it was us and that we had to pay. We called again. Kept asking for a supervisor or someone who could make a decision. We were continuously put on hold and then told there was no one for us to speak with and that we had to pay. They then asked if we had called the police in XXXX. I said no, that was never suggested when we asked what we should do. They then said that because we did not call the police, they would not help us and we had to pay. They sent another letter XX/XX/2019 stating it was not fraud and we had to pay. We called again and requested to speak with the highest supervisor or decision maker. They said they would pass us along and promptly disconnected us. They sent another letter XX/XX/2019 saying that they would not help us. During this time they would call us every day to threaten us with collections. When I would explain why we would not be paying they promised to find someone who could help us but of course did not. I finally told them that if they called again I would turn them in for harassment. The calls finally stopped. In XXXX we asked our attorney to get involved. He wrote a letter demanding a response within 15 days. Nothing was ever received. Our attorney recently gave us information on how to get in contact with CFPB to help with this matter. We canceled the credit card last fall and will never use Discover card again. We pay all our balances monthly and never carried a balance with Discover card. They refused to see that we are not the kind of people who do not pay their bills or look at our 20-year history with Discover card. And they are ruining our credit score.
Company Response:
State: WA
Zip: 98366
Submitted Via: Web
Date Sent: 2020-06-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I was shocked when I reviewed my credit report and found late payment on my payment history from your company. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Company Response:
State: MA
Zip: 02740
Submitted Via: Web
Date Sent: 2020-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was using discover card for long time and all these period I was on Auto Pay, so I dont bother about payments every month. During last XXXX period, without my knowledge, Auto Pay is removed from my account. Due to this I missed a full payment on XX/XX/XXXX th but on the same billing period I was having a return payment of {$41.00} on XX/XX/XXXX which will offset the minimum payment of {$35.00} for the period XXXX XX/XX/XXXX to XX/XX/XXXX XXXX whose payment due date as per statement is XX/XX/XXXX. After that I missed one payment on XX/XX/XXXX. But I paid the full amount on XX/XX/XXXX as per the statement dated between XX/XX/XXXX to XX/XX/XXXX. This missed payment was reported and my credit score went down from XXXX to XXXX. I think this auto payment is accidentally removed by Discover card while doing changes on their online system as I can see a total different look and style between the statements printed from the site before and after XXXX, Also when I check online its missing a XXXX statement. When checked with them about the missing statement, they said its because I have XXXX balance that time. But I have several other statements with XXXX balance. Its very clear that some technical glitch from the company side caused these problem and discover is not ready to accept or admit their fault. I spend hours with them to resolve this issue with no result. The customer care personal who talk to me is coming up with many childish reasons and she said on XX/XX/XXXX I switched my linked Bank account and there was a problem with that switching and so on XX/XX/XXXX my auto pay is cancelled.I dont understand how they took my payment for 9 months even after they claim that there is a problem in linking my account. I need you help to resolve this issue and bring it to light. I am sure that this is not the only case. People always ignore these as they dont have time to go behind this. I may also ignore this, bu I am refinancing my house due to financial difficulty, and every penny counts as we are having difficulty in work due to the covid situation. I have all the statement and docs to prove my claim.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2020-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them. I have been the victim of fraud since XXXX and have had to combat it ever since. These accounts are the result of fraud, I have never opened these accounts or had any knowledge about these accounts till now. I have the police report and I have the Federal Theft Affidavit. This is getting out of hand. Under the FCRA 2009 ( b ) ( 3 ), these accounts are known to be fraudulent, are the result of fraud and I am now asking that you do your duty under federal law to cease and desist.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A account was opened using my info fraudulent and the creditor refuse to remove the account from my credit file I provided a police report and ftc report
Company Response:
State: GA
Zip: 30215
Submitted Via: Web
Date Sent: 2020-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-29
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: Disputed a cellular company charge to my Discover card. I do not have cellular service now despite being paid through XX/XX/XXXX ( today is XX/XX/XXXX ). Cellular Company was contacted by myself 3 days ago regarding my issue. All communication done via chat on their web site. Nothing has been done to resolve my issue by cellular company. Was a {$40.00} charge. Have not been contacted by cellular company. figuring is not worth it doing business with a company like that. Initiated a chat session with discover to dispute this card. Kept getting logged out of their chat room due to issues on their end. After about an hour. I was told to contact XXXX by the discover chat CSR. My discover card is set as a payment methomd in XXXX. The cellular provider directed me to the XXXX web site to use one of my credit cards set up there as payment. XXXX happens to be one of my payment preference methods. I again used my discover csrd to pay for this cellular service. Had nothing to do with a service I did sold by XXXX or another authorized XXXX company. Was a cellular service through a company that only utilized the XXXX site for payments.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2020-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: During the Covid-19 pandemic, Discover not only didn't try to help its customer but they chose to close my account due to inactivity. There was no advance warning at all. After contacting the customer service, they would not reopen this account. This is totally unacceptable and it does show this company doesn't care about its customers.
Company Response:
State: NY
Zip: 10027
Submitted Via: Web
Date Sent: 2020-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Dear CFPB, My issue is with Discover Bank Financial Institution. I previously had 2 accounts with Discover, a personal Discover IT credit line and new business card account that I was approved for in XXXX with a combined credit line of over {$17000.00}. I also have a FICO score over 700 and have been a customer in Excellent standing since XXXX with Discover. With no late or missed payments. And zero fraudulent activity. I WAS A DISCOVER CARD customer for over 4 YEARS! On XX/XX/XXXX, I could not log into my Discover.com Business online account to pay my bill. There was a message from the main webpage that I needed to contact Discover regarding my account. I called the number provided on my account page and explained to the CS representative that I needed to pay my bill and could not access my account. I was asked a series of questions to verify my identity and also had to recite back a coded number to the rep that was made to the cell phone number on my Discover account. After I verified who I was, I was then told that my Business card account and my online access was temporarily suspended because I needed to provide Discover with proof of who I am? -I was told I needed to download a form. -Have it notarized and sent to Discover.com -And the Department that locked my account would be notified. And that I had 14 days to send in their demands. I was also sent an email stating that I had 14 days from XX/XX/XXXX to send in the document or my Business Account would be closed. Discover Financial Bank, essentially threatened to close my account, even though I made the representative aware of the following concerns. I was " Expected to put myself at risk for contracting the COVID 19 virus and Defy a Government mandated order to stay at home '' All in order to provide Discover Financial with a document " proving my identity ''. The reason behind this request according to the representative was because " I updated my phone number ''. The same phone number I verified when I called. I was informed that they had previously tried to contact me regarding this issue. I informed the rep that I never received any written communication from Discover. I also informed the rep that I was able to log into BOTH my online accounts. Pay my bill and make changes to my accounts since XX/XX/XXXX. With NO correspondence from Discover. It wasn't until XX/XX/XXXX that Discover shut off my online access to ONLY my Business credit card. Where I was greeted with a " Contact us '' page. My Discover IT account had no such message. I offered to send in PHOTOCOPIES of my government issued ID. I was told that DISCOVER did not want that information. It had to be NOTARIZED. So, with great trepidation I did attempt to find a business that would notarize a document. The Governor of my state was transitioning to a Green Phase on XX/XX/XXXX. So, I still would have time to send in the documents within the 14 day window. What transpires next can only be described as complete bias on the part of Discover Financial. Firstly ; I live in Pennsylvania. Which is in a Governor Ordered stay at home and statewide lockdown from the COVID-19 pandemic that killed thousands of Americans. Secondly ; There are no business ' open that would notarize a document. Banks were closed with only drive through service. The local Post Office suspended all notary and passport applications. Discover Financial sent me an email and closed my Business credit card account on XX/XX/XXXX at XXXX. Discover Financial followed that by closing my Discover IT credit card on Sunday XX/XX/XXXX. I proceeded to contact DISCOVER on Monday XX/XX/XXXX. I spoke to a CS manager, her name is XXXX. I explained to XXXX everything that transpired to this point. XXXX agreed that there was no reason she saw to close my account. She also tried to reinstate my account but because it was locked from another department she was unable to do so. She also verified again that I was " flagged '' because I updated my Phone Number. The same number I already verified on XX/XX/XXXX. It is my belief that Discover Financial Bank is in violation of my ECOA Regulation B RIGHTS as a consumer and as a MINORITY. There was no just cause to cancel both my accounts when simply freezing them would have given me time to accommodate their request to " Prove My Identity ''. Even though when I PAID my DISCOVER statement over the phone from MY PERSONAL BANK ACCOUNT with the rep on XX/XX/XXXX, NO such ID was required. DISCOVER FINANCIAL never communicated in writing what they needed until XX/XX/XXXX VIA their WEBPAGE. They also did not give me sufficient time to gather the required documents, especially during a Global Pandemic. It is my firm belief that I have been targeted by DISCOVER and their Card Security Division based on pure bigotry. I have been Subjugated to bully and intimidation tactics. And when I did not comply fast enough, had BOTH my accounts CLOSED. Perhaps a FULL review of DISCOVER will bring to light the customers being targeted are XXXX. This information will be shared with the XXXX and all social media outlets. I also support a Federal DOJ inquiry. Bigotry and ethnic bias will no longer be tolerated! Because of this callous act by DISCOVER FINANCIAL My credit utilization will be reduced and My FICO score will also suffer.
Company Response:
State: PA
Zip: 18020
Submitted Via: Web
Date Sent: 2020-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A