Date Received: 2020-06-11
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Discover failed to close my account at requested, and resulted in additional charges and even late fees. On XX/XX/XXXX, I made a call to Discover customer support to request to close my account, because I was leaving US. They promised to do so. Recently ( XX/XX/XXXX ), I received an email saying that I owe Discover {$310.00}. I didn't think this was possible, since I have requested to close my account more than a year ago. So I logged into to my account, found out that there were two auto-renewal services that charged me in the beginning of XXXX. But because I was completely unaware of this, the debt piled up and Discover kept charging me late fees ever since. Had Discover closed my account at my request a year back, none of these charges should have happened. It was Discover that failed my request, yet I had to pay for their mistake, and they even benefited from this by charging me late fees.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-11
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: This all started when I received an email asking if I would like to make big money working from home and I clicked yes. XXXX XXXX then called me via phone and said that I had inquired about working from home online. We talked and they told me they could teach me how to make money selling items on XXXX and XXXX. They also stated they would build me a website included in the costs. We then talked a little longer and I asked, what will all this cost me? and the gentleman stated that the cost for the training and website setup would be {$14000.00}. I told him I could not afford to pay that much money, he then proceeded to tell me I could put it on a credit card in which I would have 30 days to pay it off. He stated by the end of the 30 days I would be making well enough money and could pay the {$14000.00} back. I proceeded to put the charges on 2 different credit cards ( XXXX {$7400.00} and Discover {$7400.00} ) believing what he told me would be possible. XXXX XXXXXXXX had their coaching team contact me and we set up coaching sessions with XXXX. XXXX trained me an hour once a week or sometimes an hour and half. The coaching program was all based on the time they had available. The coaching also consisted mainly about selling items on XXXX and not XXXX and XXXX. I found out later that you could learn how to sell on XXXX for free on their site. Once the website was finished, I looked and honestly it was so basic my grandson could have done a better job. I called XXXX and he showed me how to log on to the site and change the font along with other things. I then cleaned the website up myself to the point where I thought it looked better. Back to the training/coaching sessions. I never once received any training regarding selling on XXXX. I also never received any training/coaching on Social Media Advertising for example XXXX, XXXX, XXXX, I had to learn that all on my own. They also set me up with a drop shipper named XXXX XXXX which has been unsuccessful at making any money. I have an address for XXXX XXXX which is in XXXX XXXX, but all the phone contacts are in Washington State. I have been misled and pressured into services that were not needed. I would like a refund for the full amount as you can see, they misled and deceptively sold me. They told me that in 30 days I would be making well enough money and could pay the {$14000.00} back when in fact I havent made a dime
Company Response:
State: TX
Zip: 76705
Submitted Via: Web
Date Sent: 2020-06-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Please accept this formal complaint against Discover Financial. This bank is engaged in unlawful practices and predatory lending which undermines the financial sanctity of our society. I am a victim of Discover Financials unethical, immoral, and illegal handling of me as a victim of identity theft as outlined in this missive. I pray that you investigate and take all appropriate action in this matter. The above subject matter is in reference to an unfair and erroneous reporting for Account Number ending in XXXX in which Discover served as a lender. In summary, sometime during XX/XX/XXXX, Discover illegally issued the above-mentioned credit card in my name to my former address. I discovered the identity theft in XX/XX/XXXX. I notified the credit bureaus and Discover. Discover illegally verified with the credit bureaus that the account belonged to me. I contacted Discover and sent them several pieces of documentation proving that the account could not possibly be mine. Discover put the matter under investigation. Months went by and I had not heard from Discover however the fraudulent account was still, and still is reporting on my credit profiles. I was constantly faxing and submitting information to Discover as every time I called, I got a different representative. I faxed, certified mailed and emailed as I was told by various representatives as all proves are enclosed. To date, Discover has not removed this fraudulent account from my credit report. In face without any notice given to me, in contravention of the law, Discover further exacerbated this issue by denying my fraud dispute with the credit bureaus. Since then, I have continued to bear the financial burden of an account that was illegally opened by their company because of their fraudulent, erroneous and unfair credit reporting. Under Louisiana Revised Statutes Tit. 9, 3568 ( B ) and State Identity Theft and Credit Reporting Statutes, Each creditor who grants credit as a result of information which was obtained through an identity theft shall make available to the victim of the identity theft application information and transactional information, such as a copy of one or more complete monthly billing statements prepared in the regular course of business by a financial institution, in the possession of the creditor which the victim needs to undo the effects of the identity theft. Prior to providing information to the victim, the creditor or its representative may require the victim to submit a written statement, dated and signed by the victim of identity theft, which ( a ) provides information sufficient to verify the identity of the victim and the existence of an identity crime, including a copy of the police report and a copy of the victim 's state-issued identification card, and ( b ) states that the consumer authorizes disclosure of the information, and ( c ) identifies the information the victim requests to be disclosed. On the other hand, the Fair Credit Reporting Act, Section 623 ( a ) ( 6 ) ( 15 U.S.C. 1681 ) All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). It is based on their continued unfair and erroneous reporting of the above named account and their contravention of the above laws that I have written to them in the past, including a letter addressed to the Bank in XX/XX/XXXX, which the bank sent me back a request for information. In the letter, I specifically requested that Discover investigate as outlined in 15 U.S.C. 1681s-2 and demanded a full account validation and requested that pursuant to Louisiana Revised Statutes Tit. 9. 3571.1, the validation be in the form of a notarized statement with a person with the knowledge of the debt. Additionally, I requested that Discover Financial send me an explanation of the methods used, and the description of the records reviewed in the process of the investigation. Discover sent me forms to fill out and have notarized, additionally they had me file an ID Theft Report and send them copies of my drivers license and billing statements proving my address during the time this account was opened. Which I complied with several times. All my efforts proved futile because of their giving me the run around.
Company Response:
State: LA
Zip: 703XX
Submitted Via: Web
Date Sent: 2020-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-10
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: During the COVID - 19 pandemic, I attempted to make my regular on-line payment and had been 'locked out ' of my " XXXX '' App, and " on-line '' access to my credit card account. ( due to security reasons ). I contacted customer service via their toll-free XXXX #, and attempted to resolve any unresolved issues. I was notified that to continue, it would be mandatory that I submit an " I.R.S. consent form 4506 - T. '' I declined, and requested my DISCOVER credit card, and account be CLOSED immediately ... XX/XX/2020
Company Response:
State: CA
Zip: 92054
Submitted Via: Web
Date Sent: 2020-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed police reports and Identity theft packets as directed by the police and investigators to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.
Company Response:
State: AL
Zip: 35244
Submitted Via: Web
Date Sent: 2020-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I been a customer of Discover Card for Nearly 2 years with a very good payment history. Back in XXXX of 2019 my Discover card account disappeared off my XXXX Credit Report and XXXX Credit Report, I informed Discover of this and they told me it would be fixed and now nearly 10 months later it is not. I contacted the credit agency and I was told that Discover needed to file to have the credit reinserted to my credit report which I informed Discover of this several times and I continue to get the run around, it is still not appearing on my credit. Why is it hard for them to just reach out to the credit reporting agency and have the account added back to my credit report so I can get credit for my payment history it is not right and not fair. I recently called in and a month later received a letter in the mail from Discover asking me to fill out a form of what I'm i disputing which they already know what I'm disputing and also on this form it's is asking me to place my Social Security Number and Date of Birth of a piece of paper and mail it back to them, why would I risk putting my personal information on a form and mailing it when they have all of this information, it seems to be very silly and not professional at all. I been dealing with this for nearly 10 months when Discover could just reach out to XXXX and XXXX and have my account reinserted on my credit report but instead is asking me to write what the issue is on a piece of paper and mail with sensitive information to them which these days with mail being lost why would I just want to put my information on a piece of paper and place in the mail, Discover is not protecting me the consumer and every time I have asked to speak to a higher manager have always been told someone would call me back and never hear from anyone. Bad customer service.
Company Response:
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2020-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Discover Card has their Trade line name list twice on my credit reports as if they have lent something of value you to me. Based off of how the Federal Reserve says banks create loans, GAAP and the true substance of the funds, Discover Card has not lent anything to me on the alleged information that they claim to be the " creditor '' on my credit reports. I have tried to have the false and misleading information removed from my reports, but unfortunately they keep saying that it " meets FCRA requirements ''. This note alone is false and misleading. If they are not the actual creditor on the alleged account and can not prove the substance of what the amount they have allegedly lent, then there is no way they are meeting FCRA requirements. The below cases below shows proof that banks do not have the power to be the creditor. Case Law A national bank has no power to lend its credit to any person or corporation... Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637. The doctrine of ultra vires is a most powerful weapon to keep private corporations within their legitimate spheres and to punish them for violations of their corporate charters, and it probably is not invoked too often. Zinc Carbonate Co. v. First National Bank, 103 Wis 125, 79 NW 229. American Express Co. v. Citizens State Bank, 194 NW 430. " It has been settled beyond controversy that a national bank, under federal Law being limited in its powers and capacity, can not lend its credit by guaranteeing the debts of another. All such contracts entered into by its officers are ultra vires... '' Howard & Foster Co. v. Citizens Nat'l Bank of Union, 133 SC 202, 130 SE 759 ( 1926 ). " It is not within those statutory powers for a national bank, even though solvent, to lend its credit to another in any of the various ways in which that might be done. '' Federal Intermediate Credit Bank v. L 'Herrison , 33 F 2d 841, 842 ( 1929 ). . " ... the bank is allowed to hold money upon personal security ; but it must be money that it loans, not its credit. '' Seligman v. Charlottesville Nat. Bank, 3 Hughes 647, Fed Case No.12, 642, 1039. If any part of the consideration for a promise be illegal, or if there are several considerations for an unseverable promise one of which is illegal, the promise, whether written or oral, is wholly void, as it is impossible to say what part or which one of the considerations induced the promise. Menominee River Co. v. Augustus Spies L & C Co.,147 Wis 559-572 ; 132 NW 1122.
Company Response:
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2020-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of Identity theft/fraud. I have notified this Discover Bank several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. documents submitted to DISCOVER BANK, XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. DISCOVER BANK, XXXX AND XXXX continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-08
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: I was shocked when I reviewed my credit report and found late payment on the dates below : DISCOVERBANK XXXX-XX/XX/XXXX, XXXX- XX/XX/XXXX, XX/XX/XXXX& XX/XX/XXXX XX/XX/XXXX
Company Response:
State: MA
Zip: 02740
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/XXXX I received a credit score drop of 17 points because XXXX is reporting that my student loans balance increased from discover student loans, I immediately called and inquired as to why this happened because I am still a full time student and the loans should be in deferment until I graduate. I was told the issue would be looked into within a 2 week time frame. On XX/XX/XXXX I received an other credit score drop of 30 points for the same reason, I called again to discover student loans and was told my inquiry was not resolved and they would submit an other ticket. Once again they said it would take an other two weeks.
Company Response:
State: RI
Zip: 02906
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A