Date Received: 2020-06-23
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 am a Discover credit card customer. Unknown person made unauthorized credit card purchase of {$470.00} in XXXX XXXX XXXX in XXXX XXXX XXXX, XXXX, TX with my Discover credit card ending XXXX at XXXX on XX/XX/XXXX. I was at home and the credit card was in my possession when the unauthorized purchase was made in XXXX. I reported the incident to the Discover Bank and the bank agent suggests me to file a police report to help with the credit card fraud incident investigation. I followed their suggestion and filed a police report to XXXX XXXX police with the case # XXXX in XX/XX/XXXX and I sent all the police information to them. I called them several times and the agents kept telling me they were still in the investigation process. I called them again today and they told me that they declined my request for the refund of the unauthorized charge of {$470.00} since they couldn't get in touch with the police. I can not accept their decision because they didn't provide me with reasonable evidence to show I was responsible for the unauthorized charge. It is the violation of the Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ).
Company Response:
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2020-06-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Since initial complaint was filed on XX/XX/XXXX, I received a email from Mark I, Executive Office of Customer Advocacy for Discover Bank. That was on Friday XX/XX/XXXX. I have heard nothing since. I have emailed him 3 times ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) - No Response. Still no communication or access to MY IRS REFUND that was deposited via Mobile Check Deposit. CFPB has let this fall through the cracks - nothing done - and since my initial complaint - ZERO progress!! Here is what I initially sent in ... Regarding account ending XXXX - Jnt with My Son. On XX/XX/XXXX, via MOBILE Deposit, I scanned and deposited MY IRS TX REFUND CHECK into MY Discover account ending in XXXX. Two days later, my account was locked and I have been unable to access my account. Can not log in online, can not call in, as I get redirected to some RUDE people, who will NOT tell me anything. They continue to tell me that my account was closed on XX/XX/XXXX, and that I would receive information or any money in the account after 60 days ... .UMMMMM WHAT?! I never received a letter, a call, email, fax or any communication from Discover Bank, in reference to my deposit being held, my account being frozen or ANYTHING. When I call in, I am told that - you have to wait, and there is nothing I can do about it - - I have the recording ... .RUDE! Well - as of XX/XX/XXXX - 60 days would have been XX/XX/XXXX or so. So I called again, SAME THING ... .RUDE, no answers, telling me to basically kiss off my account and MY money ....!!!! SOOOOOO Done .... If they claim ( LIARS ) that they sent me something in postal mail, I want copies - again I want proof they sent me something ... Their actions are punitive, and I want my funds WIRED into another account I designate ... .IMMEDIATELY - I quite prepared to take this to court ... .My refund check was in excess of {$15000.00} - I also want all the interest they earned off MY MONEY - want all detailed accounting, showing what THEY earned from my money, and XXXX. Interest rate they will claim I earned. I consider what they are doing as misappropriation of funds, embezzlement and other major infractions. I want IMMEDIATE RELEASE of my money - wired - NOT BY PAPER CHECK - WIRE OR EFT/ACH ONLY - to an account I designate, within 3 days of receipt of this complaint. PERIOD ...! I have attached the letter I forwarded to the IRS along with other documentation.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-23
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Opened a secured credit card with discover card, over a month ago, was approved and received my card, was not able to login to activate, called and activated card, was not able to use card as needed because they put a security hold to verify info, asked me to sign a government form do they could get 2 years of tax returns, told them I was working out of the country since 2005, they said go ahead sign form and send it in which I did, I called them a week later and they told me to send 3 months of bank statements which I did, then I get a email and was able to login,4 days later they blocked my account, I called them and resent bank statement s, now weeks later account STILL won't work
Company Response:
State: AL
Zip: 36695
Submitted Via: Web
Date Sent: 2020-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have paid XXXX, XXXX, XXXX and XX/XX/2020 on the date the money was due, and Discover refuses to refund the money.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Whenever I go to Discover website, there are always crashes, service unavailable etc .... And after I come back to pay, Discover moves my payment date to the next day to collect fees on the payments. When I try to reach out to Discover to help, it is always unavailable. I try message - messages can not be sent. What kind of service is this? Are you doing it on purpose Discover, to collect fees??
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have sent a ID Theft letter and police report several times to this credit lender and they refuse to remove this debt that was involved in identity theft and are attempting to collect a debt that was involved in identity theft. The credit card was opened in the name XXXX XXXX. I have never used the name XXXX XXXX. My birth name is XXXX XXXX XXXX. I have never resided at the address in XXXX XXXX that is on the credit card application.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I deposited and check via mobile deposit for XXXX and was told that it would be available by the end of the day and it was not which cause my hardship I email and called twice and was told that I could not get any help there close of the day is XXXX and per there email communication it was end of business day not XXXX also there policy any under XXXX will be available same day
Company Response:
State: MN
Zip: 55901
Submitted Via: Web
Date Sent: 2020-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-22
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I purchased a course from an individual name XXXX XXXX XXXX. He took my credit card information and gave it to some guy name XXXX that was at the 7 day course meet up. Then my card was charge by XXXX and XXXX to XXXX XXXX company.
Company Response:
State: MS
Zip: 39120
Submitted Via: Web
Date Sent: 2020-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-22
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 attached a detailed complaint letter ( dated XX/XX/2020 ), please see attached. In summary, this complaint follows on from a prior CFPB complaint ( # XXXX ). I now have incremental information that reveals that the chief basis for my claim denial was inaccurate, or an outright falsehood, and that reasonable due diligence was not undertaken by the agent who processed the denial.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2020-06-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-20
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I'd like to file a complaint about the way Discover ( and likely other companies as well ) displays balance transfer information on their monthly statements. In this particular case, I have two balance transfers, one expiring in XX/XX/2020, and one expiring XX/XX/2020. My complaint is regarding how these transfers are displayed ( or in this case, NOT displayed ) when I log in to my account at www.discover.com. I can see my current balance ( {$2600.00} ), but I can't tell how much of that balance " belongs to '' the XXXX transfer and how much " belongs to '' the XXXX transfer. When I look at my current statement ( excerpt attached ), I can see the amount of those transfers which was subject to interest in the past month was {$3300.00} and {$620.00}, respectively. But obviously the total of those amounts exceeds my current balance since those totals do not reflect payments made. It seems that credit cards companies are being deliberately cagey about how payments were appliedthey could indicate on the statement, e.g., " {$530.00} of your payments were applied to your balance transfer expiring on XX/XX/2020 '' or something similar, but they do not, and therefore there is no way to know the respective remaining balances. So I reached out to Discover 's customer service via chat and asked them how to view the current balances of each transfer via their website. This was their response, verbatim : " Alright, so keep in mind the balance ( s ) disclosed is as of today and does not include interest, any pending charges and/or merchant refunds, and may not include other previous adjustments to your account balance. With that said though, your balance under the Promotional Balance Transfer rate of 0 % expiring on XX/XX/2020 is {$2000.00} and your Promotional Balance Transfer rate of 0 % expiring on XX/XX/2020 is {$620.00}. However you can not see this anywhere on your app or online profile, you would need to reach out to us for accurate balances for your balance transfers. Does this help out? '' The most important part of their response is " ... you can not see this anywhere on your app or online profile, you would need to reach out to us for accurate balances for your balance transfers. '' So they are admitting that there is no way for the consumer to know how much of each balance transfer remains at any given time. If their support people can see the exact balances, then it would be an easy matter for their website to display it as well, with the same disclaimers ( " does not include interest, any pending charges and/or merchant refunds, and may not include other previous adjustments to your account balance. '' ) And yet I suspect they choose NOT to display this info to keep the consumer in the dark about the actual amounts, making it difficult for the consumer to pay off the balance and avoid additional interest. Either the consumer has to overpay, to ensure covering it all, or risk underpaying and then paying high interest on the remaining balance, the exact amount of which remains a mystery.
Company Response:
State: CO
Zip: 80027
Submitted Via: Web
Date Sent: 2020-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A