Date Received: 2020-06-17
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Private loan included in bankruptcy in 2013 as shown on my credit report with Discover Student Loans. I receive up to 10 calls a day from these two numbers XXXX, XXXX.
Company Response:
State: TX
Zip: 78602
Submitted Via: Web
Date Sent: 2020-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-17
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/XXXX Discover states they did a soft pull of my credit and it was determined that my credit was lowered by this pull. Discover brought my card down to maximum utilization without the option to pay off before it destroys my credit score. I have never been late on payments with them and never maximize my credit limit. They states because I had multiple inquiries to purchase a vehicle, which would have been year ago in XXXX. They are hurting consumers during a pandemic. There response is that they are doing it to everyone.
Company Response:
State: IL
Zip: 62221
Submitted Via: Web
Date Sent: 2020-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: To Whomever This May Concern : My name is XXXX XXXX. I have an account with Discover. I have had this account since XX/XX/2019. I just spoke with a XXXX and she gave me the run around on why I haven't gotten a credit limit increase, why my credit wasn't pulled when I requested in increase and the list goes on. I am not buying it. I am starting to feel that it is a discriminatory practice at this point. My score has sky rocketed. I pay the balance off completely each month. The utilization on my other cards are down under 30 % but yet by Increase continues to be denied. I have a XXXX XXXX XXXX that I received in XXXX. They raised my limit from XXXX to XXXX in XXXX. I have an XXXX card that started me off with a XXXX limit and it has since doubled. I also just got a XXXX card with XXXX and they quadrupled my limit. At this point I am like what is the problem. I have gotten to the point where I rarely use the card anymore because it isn't benefiting me at all. So, I would like someone to look at this issue and I would like for my credit to be pulled to see if I qualify for the limit increase. I look forward to hearing from someone soon.
Company Response:
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I have a membership with XXXX. XXXX recommends credit cards on my profile based on odds of approval. So I decided to try luck with Discovery Credit Card. They denied my applications but also did a hard inquiry which caused my credit to go down 10 points. I believe this practice is unfair and illegal, since XXXX is recommending for me to apply. Also, I believe Discovery should delete the hard inquiry on my Credit report and do a pre approval on customers so it does not affect them for a period of time. Thank you. XXXX XXXX XXXX
Company Response:
State: TX
Zip: 79925
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-15
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I am writing to notify you and seek your assistance with a consumer concern regarding Discover Financial Services XXXX XXXX Credit Card XXXX. Beginning in XX/XX/XXXX XXXX as far as my account history can tell, this date XXXX in fact begin even sooner XXXX, my credit account with XXXX has been signed up for their XXXX Payment XXXX XXXX which carries a monthly fee that is based on the existing balance on the card. I was led to believe that this service and the associated fee were not optional and were linked to the account just as the monthly interest fees are attached. Since XX/XX/XXXX, this fee has added an additional {$5400.00} to my account, not counting the interest charged on this balance. Despite making payments greater than the minimum balance due, I have been unable to fully pay off this account because my payments were being directed to cover interest and the protection plan fee thereby allowing the account balance to continue to increase and accrue more interest and increase the cost of the protection plan each month. During this time, I experienced several of the qualifying events under which the protection plan may be used including : involuntary unemployment, federal or state disaster ( via the ongoing COVID pandemic ), marriage, new job, and job promotion. Despite these qualifying events, I was unable to utilize the XXXX XXXX because XXXX failed to clearly communicate the details of this service that I have been paying for over several years. After researching the unethical and potentially fraudulent methods used to add this plan to my account, I have found that several other XXXX customers experienced the same tactics. This is clearly representative of a widespread communication failure from XXXX to provide their customers with clear and concise information about their services. In addition, representatives of XXXX used unethical or fraudulent tactics to sign customers up for their XXXX XXXX by disguising it as a mandatory program or by inferring that it carried no additional cost. Instead the details of this program are hidden in the annual statement summaries which are deleted from the account holder 's inbox after 180 days. XXXX has not been able to produce documentation indicating when and how I became signed up for this program. On XX/XX/XXXX I contacted Discover Financial Services to request cancellation of the Payment Protection Plan and a refund of all monies paid beginning with the initial sign-up as this was conducted under false pretenses which indicated that this was a mandatory program. The representative cancelled all future participation in the protection plan and refunded 6 months worth of recent transactions totaling {$950.00}. In addition, on XX/XX/XXXX, a representative agreed to refund {$160.00} which was processed later in the day on XX/XX/XXXX after the cancellation of the plan. This reflects an agreement from Discover Financial Services that their tactics were at best unethical and at worst fraudulent. However, they claim to be unable to refund any additional payment plan fees dating prior to XX/XX/XXXX. This appears to be an arbitrary date and a reluctancy for XXXX to refund additional funds that were paid under false pretenses. The remaining unrefunded balance totals {$4300.00} which I am requesting resolution to have refunded.
Company Response:
State: NY
Zip: 14051
Submitted Via: Web
Date Sent: 2020-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-15
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 bought an instrument cluster for my XXXX. The XXXX garage tried to install it, but it is defective, forcing me to pay a repair bill of {$300.00}. During the process, I tried to contact XXXX and the seller directly. I was unable to reach EBay ( COVID-19 rollback of personnel ), emailed the seller with no response at all. My dispute was denied because I did not have the statement from the garage, now I do. I am also including the bill.
Company Response:
State: CA
Zip: 92544
Submitted Via: Web
Date Sent: 2020-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-15
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 took my XXXX XXXX XXXX XXXX in for repairs and explained in great detail on the concerns I was having with my vehicle, after leaving the car at the shop they deemed the transmission was bad and needed to be completely replaced. That was greater than what I initially suspected to be the issue, however I trusted the word of the mechanic as when we was explaining to me some of the symptoms I was most likely experiencing they all echoed what I had previously described to him. I provided them the green-light to move forward with the repairs as this was my primary means of transportation and had no options. The work was completed on XX/XX/XXXX and I picked up my vehicle up on that date as quickly as I received the phone call as I was borrowing a co-workers car. While on my drive home, I began to notice the exact same issues. I returned to the shop and they tested the car and said that I now needed to get a tune up, feeling that I had no options, I agreed to have them perform the work. After a few more days, I received a call to pick up the car, surprising the same issues were still very apparent. When speaking to them, they agreed I would still experience the same issues and that I would need to drive it for a few days and the issues would resolve on their own, not completely agreeing with that approach, I decided to do just that. After a week of continuous contact with the shop, I took some time off of work to take the car back to the shop. At this point, they stated that the transmission went bad and needed to be replaced, to say the least I was shock but again limited with options. I told them that I understand that things like these are out of their control at times but to try to help me resolve this so that I didnt have to take any additional days off from work. They told me to continue to drive the car as there would not be any harm and they would order a new transmission and call me in a few days once it arrives. I never heard back from the shop and after multiple attempts to call and speak to the mechanic were unsuccessful, I decided to drive up there. Upon arrival I asked to speak to the mechanic, and although I could see him in the shop, was told he was unavailable, so I asked to speak with another mechanic or the shop manager to get a status on my transmission and was told that no one was available and that there was nothing more they could do for me at their shop and in short asked to leave. I was shocked and sat in my car for a little while trying to understand why someone would do such a thing and take advantage of someone in this manner. I gathered all my information and shared it with the team at Discover and opened a dispute. Discover advised me that I had signed the receipt acknowledging for the work to be done, that is correct, however my signature was for the serviced to be performed as decided, for which they were not. I took it upon myself to take my vehicle to another shop and they deemed that the transmission was truly bad, however that it had NEVER been replaced. They provided me with documentation to support their findings and I provided that to Discover to support my dispute. Discover provided me with the same response of the signed agreement and I didnt feel that I could provide any evidence to have them take any additional time to review. Disputed Charges : XXXX XXXX XXXX XXXX XXXX : {$1500.00} XXXX XXXX/XXXX-XXXX : {$400.00}
Company Response:
State: MD
Zip: 21045
Submitted Via: Web
Date Sent: 2020-06-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-15
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: Hi Discover card representative XXXX told me on XX/XX/XXXX that Discover sided with me in the dispute. I also heard this from XXXX, and XXXX with Discover. Then on XX/XX/XXXX, I placed a phone call to discover card again because their website indicated the dispute was overturned and now in XXXX/XXXX favor. The agent named XXXX, stated to me verbatim Ive looked through the documentation provided by XXXX and it doesnt fully resolve our concerns, which led to her re-opening the dispute and Discover crediting {$2800.00} to my card. Finally. On Thursday XX/XX/XXXX, the charges were once again placed back on the card in the amount of {$2800.00}. I called Discover and spoke with XXXX, who couldnt tell me what additional documentation Discover received to change their decision. She promised that a supervisor would call me and unfortunately, one never did. Then on Saturday XX/XX/XXXX, I spoke with XXXX at Discover. What was extremely concerning to me was the fact that she said her notes read that a supervisor tried to contact you on Friday. I asked what time? She didnt know. I asked what was their name? She didnt know ( I received NO calls whatsoever from discover or emails ). Then XXXX promised me a supervisor call, which never happened. Discover has joined merchant XXXX/XXXX in stonewalling and failing to follow through on their promises. Per FCBA settlement rules, this is a case of : -charges for goods and services you didn't accept or that weren't delivered as agreed ; -charges for which you ask for an explanation or written proof of purchase, along with a claimed error or request for clarification. To sum up in more detail the travel package and issues, this note was sent to multiple people at XXXX XXXX XXXX : XXXX ( an XXXX XXXX XXXX company located at XXXX XXXX XXXX. XXXX XXXX, PA XXXX ) promised to cancel my trip ( along with my girlfriend ) for a refund. The representative who made this promise over the phone is named XXXX XXXX, and he did so on XX/XX/XXXX. XXXX is impossible to get ahold of via phone ( 5 hour wait times ) and their general XXXX email inbox ignores me. One sales rep : XXXX XXXX XXXX ( XXXX ) will answer emails with a XXXX, ignoring my requests for cancellation and denying that he or anyone else with the company ( Phone reps XXXX XXXX and XXXX XXXX both promised cancellation and full refund via phone ) made those promises. The company is stonewalling, and arent reachable. The trip was XX/XX/XXXX to XX/XX/XXXX. Airfare on XXXX from XXXX to XXXX. Stay at XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX, with transportation to and from XXXX to the resort. Total trip charge was {$3100.00} ( {$2800.00} for the trip itself ) which they are refusing to refund as promised. They tell me to I need to cancel the trip to try and use any trip insurance, but to cancel the trip, you need to do so over the telephone. They finally cancelled the trip at XXXX XXXX ET on XX/XX/XXXX, just before both : 1. the state of NJ issued a stay at home order. 2. the US State Department issues a Level 4 DO NOT TRAVEL advisor on XX/XX/XXXX 3. the US DHS closed the US/XXXX border to all non-essential travel at XXXX XXXX on XX/XX/XXXX. Also, XXXX XXXX canceled flight # XXXX from XXXX to XXXX on XX/XX/XXXX. Finally, the resort ( XXXX XXXX XXXX XXXX ) closed on XX/XX/XXXX. Trip booked XX/XX/XXXX online, I was first advised trip was fully refundable by XXXX XXXX on XX/XX/XXXX via phone, again told the trip could be canceled and refunded on XX/XX/XXXX by XXXX XXXX ( in a " call back '' request from XXXX ). I was also told in writing by XXXX XXXX XXXX on XX/XX/XXXX that the trip was able to be canceled for {$50.00} per person ( {$100.00} total ) fee, but the company has since waived all cancel fees, they changed their policies that same day ( XX/XX/XXXX ). I have attempted to call the company on XXXX XX/XX/XXXX and was quoted a hold time of 439 minutes, XX/XX/XXXX led to a hold time of 4 hours and 44 minutes ( screenshot attached ) to speak with someone for the refund promised to me by XXXX XXXX XXXX on XX/XX/XXXX I left voicemails ( unreturned ) to both XXXX XXXX XXXX and XXXX after being quoted a hold time of 294 minutes, in the morning of XX/XX/XXXX the hold time was 347 minutes, that evening it was 385 minutes ( and another voicemail was left for XXXX XXXX XXXX at extension XXXX at XXXX XXXX ), XX/XX/XXXX showed a hold time of 377 minutes, XX/XX/XXXX had a hold time of 405 minutes, and the morning of XX/XX/XXXX estimated a hold time of 155 minutes ( phone call dropped prior to that time being met ). On XX/XX/XXXX, I spoke with sales representative XXXX XXXX by calling and selection option 2 for sales. He said his supervisor was named XXXX XXXX and that neither of them would or could cancel the reservation for any reason. Additionally, we got a hold of the sales department in 55 seconds, where wait times to get customer service were 6.5 hours per the same sales rep ( XXXX XXXX ). We are now faced with losing over {$2800.00} as a result of XXXX 's refusal to honor their word. The company has ignored a PA AG arbitration attempt, and tells Discover non refundable despite telling me it is refundable multiple times. Thank you so much for your time and assistance in making this right. The reason a dispute was initiated with Discover is because the merchant failed to honor their word, failed to deliver on promises and failed to provide goods and services paid for. The flight on the purchase travel package was cancelled by air traffic control per XXXX XXXX. The resort : XXXX XXXX XXXX, shut its doors on XX/XX/XXXX. They would have refunded me had I not dealt via XXXX, there is no reason for them to keep my money. Sincerely, XXXX XXXX
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2020-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-15
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: To summarize my chief points/complaints to the CFBP regarding the subject bank : 1 ) The Company sent several letters, amid the COVID crisis, to my PO Box at an address that was subject to a severe lockdown order, and despite these difficulties, I replied fully, immediately, and appropriately. 2 ) The Company has disregarded my explicit and documented request to submit informational requests via hard copy mail, which I believe is my right under the Fair Credit Billing Act. 3 ) The Company has made no additional information requests of me, and has reapplied the disputed items with no written explanation. The oral explanations offered over the phone are inaccurate, nonsensical, and also completely unreasonable expectations for customer behavior in the midst of a national and local crisis. 4 ) The Company phoned me on Friday XX/XX/2020, ostensibly to discuss its concerns, but provided me not even a single business day to respond before rebilling the account on XX/XX/2020. Please see attached detailed account of my dispute with the Company.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2020-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I open an account with Discover Bank. During 911 I became unemployed and went into an agreement under the Obama debt forgiveness with Discover. I paid all payments on time. Discover is reporting as a negative on my credit because it was less than balance. However, I received a 1099 and had to report as income on my taxes. Therefore this account is paid in full.Discover needs to delete. At no point was their a disclosure that if I paid an agreed amount that there would be a negative reporting. Discover later also had a class action suit where I received a check for overcharges.They are in violation of false reporting. I have emailed them on numerous occasions and s. Discover needs to remove the derogatory information and reage my account to current.
Company Response:
State: CA
Zip: 92139
Submitted Via: Web
Date Sent: 2020-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A