Date Received: 2023-10-20
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 opened a dispute on XX/XX/XXXX for {$16.00} about the XXXX XXXX XXXX XXXX plant that I purchased XX/XX/XXXX that I received that is not as described. I uploaded a document explaining in words of why I was disputing this transaction and pictures to online discover disputes. I did not opened a case immediately because seller promised me that this was the item i purchased and one sign of that is to wait for plants leaf to change color in XXXX which never did and passed the XXXX buyer protection of 60 days or so. It was XXXX and the plant was clearly not what i purchased and did not change to a XXXX color as promised by the seller and thevleaves did not look like puctures and many garden experts said that this was not the XXXX XXXX. I contacted the seller but no response. I have more info and specifics of that in the case i opened with discover online. I was told by XXXX that they can no longer help and to go to my financial institution or Discover credit card company. I opened a dispute to them only to get denied a refund because discover customer service told me that XXXX refuted the dispute and that in order to get a credit from discover is to contact XXXX and work something out and agree for discover to give me a credit itself. I contacted XXXX and told me that they don't have the ability to deny a refund and told me there's nothing XXXX can do to help me since I filed a chargeback with discover and that discover should be helping me on this case. So I contacted discover again and they told me that there is nothing they can do. Discover customer support is requesting me to do something that is unrealistic to contact my merchant for proof that they will refund me to give to discover for them to give me a credit when the merchant is not willing to work with me. Discover should step in and help me when the merchant is not willing to work but discover customer service doesn't want to step in.
Company Response:
State: TX
Zip: 76706
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am writing to follow up on the matter concerning my Discover account, which I have previously disputed in my response to the XXXX letter you sent. As of the date of this email, I have not received any response or acknowledgment from your institution in relation to the issues I raised in my previous communication. Given the seriousness of this situation, I wish to emphasize the importance of a timely resolution. I must reiterate that I am a victim of identity theft, and there is no existing written contract or agreement between myself and Discover pertaining to the accounts in question. The absence of a legally binding agreement, as required by federal laws such as the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), underscores the need for your institution to provide the necessary evidence and documentation to substantiate any claim made against me. In my previous communication, I requested that Discover provide any legal documentation, evidence, or information that supports your claim and establishes my liability in this case. It is my sincere hope that you will promptly address this request to facilitate a fair and just resolution. I understand that resolving matters of this nature can be complex and time-consuming, but it is essential that my rights are protected as a victim of identity theft. The FCRA and other federal laws are in place to safeguard consumers from fraudulent accounts and ensure that victims are not held liable for actions they did not authorize. I kindly request that you prioritize this matter and provide a timely response, as I am eager to bring this issue to a satisfactory conclusion.
Company Response:
State: NY
Zip: 11219
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/2016, I spent the year battling XXXX XXXX as a single mom. I ran up my credit cards in the process trying to handle copays, for hospital visits out of state for my XXXX, and basic living expenses. I ended up with deductibles from one year within three months of a second one because of the timing of my diagnosis and treatments. One credit card impacted is Discover. I maxed out on it and was unable to pay for a bit. The card went to collections, and I received a court summons. I called the debt collection agency and spoke with an attorney there. We agreed that I would adhere to a monthly payment plan of {$50.00} until the debt was paid in full. This attorney told me that because I had agreed to a settlement through his firm, he was canceling the court appearance, and there was no need for me to show up. I believed him. A couple months later, I received a letter in the mail from the XXXX, Connecticut Court system noting that I had not appeared for my court date and was found liable for failing to settle this debt. The judge ordered me to make the {$50.00} a month payment to which I had already agreed, but it was now a legal summons. I briefly tried contesting it, but I didnt have the time or energy to do so in consideration of my health. I attempted to contact the attorney first, but he said that the negative credit ratings were solely the decision of Discover. Ive then reached out to the Discover company, was given the runaround, and then was told that there was nothing they were willing to do to change the situation. For more than 60 consecutive months, I have made that monthly payment in full and on time. I plan to continue to do so until the debt is paid in full. I have regularly tracked my credit scores over the years, and, after a while, this one dropped off those reports except as a settled account. I thought the negative ratings were a short-term situation that had concluded. Nevertheless, I did not understand why, despite the reality that I have paid all of my debts on time over the last more than five years, I continue to show a very low credit rating of between XXXX and XXXX points. I recently looked at my credit ratings using a different service than XXXX XXXX, which is what I have historically used. This new service showed me that Discover has been filing monthly negative credit reports against me during the majority of this period. I contacted Discover and the attorney who represented them to make sure they knew that I have been paying on time for well over 60 months and ask them to stop filing these negative reviews. I received a report by mail shortly thereafter in which I was told that they are entitled to continue doing so and, in an extra show of animosity, they retroactively filed late credit reports for some of the months they had previously skipped, causing my score to again fall. It seems to me that what they are doing is illegal, punitive in a completely unacceptable manner, and totally lacking in any empathy for someone who is a XXXX survivor not to mention a single parent. Is there any way to hold these people accountable and expunge all of these negative ratings from my credit report? I am almost XXXX XXXX XXXX and have horrendous credit scores because of them.
Company Response:
State: CT
Zip: 064XX
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33614
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33615
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33511
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: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Discover Student Loans continues to harass me for payments that I am unable to make, and has provided no manageable repayment options that fit my financial needs. I took out a small student loan of about {$13000.00} with Discover to supplement my federal loan package in order to complete my XXXX XXXX XXXX. Unfortunately, I finished my program at the same time the XXXX pandemic was starting, and I have been unable to get a job in my field of study to-date. I have explained this to Discover Student Loan representatives, they offered me a 6 month period of forbearance, and informed me that they would re-evaluate my repayment options once this period ended. When the period ended, they did not offer me any repayment options that were matched my financial circumstances. They told me that I could opt for interest-only payments, but this was still above $ XXXX, and I told them I do not have any disposable income to allocate for this. My financial circumstances are such that I am currently receiving food stamps and XXXX in order to make ends meet. I have had this conversation with multiple representatives from Discover Student Loans, and they apologize but tell me there are no other options. They continue to call me from various phone numbers multiple times a day, including weekends -- I have received calls even while attending church on Sundays. I have asked them to stop multiple times, telling them that I can not make payments and their harassment is causing an undue burden of stress that has severely impacted my mental health and job search ability. They do not care and I am left feeling hopeless with a useless XXXX XXXX and a private student loan that has ballooned to almost {$20000.00} with all of the late fees and accrued interest.
Company Response:
State: NY
Zip: 11206
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: We respectfully requested that Discover Card remove the 30 days late from our credit report. We have been good customers and Discover Card has been great to us. After making a XXXX XXXX dollar payment on the card we made a mistake on the next payment. We had it set up to go out automatically but it was the wrong amount. We didnt know anything was wrong until the card began to decline. We didnt get any alerts. We have set up automatic withdrawals with Discover Card so that it will not happen again. It was a big mistake on my part that cost me XXXX XXXX points on my credit report. We usually receive an alert when anything is going on with the card. We didnt receive any alerts. A representative from customer service said that someone would reach out to me on why we didnt receive an alert. No one did. The month that it happened I was diagnosed with XXXX. I didnt realize that I must have put the information in wrong. We have spent all of our live maintaining our credit and Discover Card refuses to help us with this issue. Remember we paid XXXX XXXX the previous month on our card. That is why Discover Card should see this as a one time error. I am trying to get a auto loan and the thirty days late has hurt me.
Company Response:
State: FL
Zip: 32712
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Discover Card called me on XX/XX/XXXX at XXXX XXXX XXXX. I voiced my concern to the representative and he disregarded my comment.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: 12 CFR 1006 B STATES : a debt collector must not communicate or attempt to communicate with a consumer in connection with the collection of any debt : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Company Response:
State: IL
Zip: 60426
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A