Date Received: 2020-06-03
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2020, 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/2020, 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/2020 - 60 days would have been XX/XX/2020 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 - to an account I designate, within 3 days of receipt of this complaint. PERIOD..
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020, I received a notice of account closure from Discover Financial. Since I have never had an account of any type with Discover Financial, I was concerned. I called Discover, who verbally agreed to remove the account from my credit bureau report. I also pulled my credit reports and found numerous unauthorized inquiries, including some from Discover. Discover has not removed the fraudulent account from my credit bureau report. Instead, they are reporting it as closed by credit grantor, which hurts my creditworthiness. XXXX refuses to remove the account and the associated inquiries from my credit bureau report. In addition, XXXX has refused to remove other unauthorized inquiries from XXXX XXXX, XXXXXXXX and XXXX XXXX XXXX. This is unreasonable and has caused me harm.
Company Response:
State: TX
Zip: 78758
Submitted Via: Web
Date Sent: 2020-06-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-02
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: Purchased Spring Training Tickets for XXXX XXXX at New York XXXX at XXXX XXXX Sun. XX/XX/2020 XXXX XXXX ) XXXX XXXX Order # XXXX The EVENT was CANCELLED due to COVID-19. XXXX XXXX has a Refund Policy on Canceled events that 100 % would be refunded back to the original card. XXXX XXXX has not Refunded my Money. When I called them ... They said for ME to work with my BANK ( Discover ) as I disputed the charge with them since NO REFUND was delivered in the time allotted. Discover claims they need more information. I have been disconnect several times from Discover support personal and I can not be transfered back to the person helping me. I have told my story to countless support people and NO ONE WANTS TO HELP ME. I have provided MORE THEN ENOUGH PROOF. I want my {$420.00} back as services were not rendered as the EVENT was CANCELLED.
Company Response:
State: FL
Zip: 33428
Submitted Via: Web
Date Sent: 2020-06-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-02
Issue: Identity theft protection or other monitoring services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I received a letter in mail saying I filled out application for a discover account an I never did I wanted to know what was going on.
Company Response:
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2020-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: DISCOVER OPEN A FRAUDULENT CREDIT CARD FOR AN IDENTITY THEIF USING MY IDENTITY, THEN PLACED THE FRAUDULENT ACCOUNT ON MY CREDIT REPORT. I SUBMITTED A POLICE REPORT AND AN FTC IDENTITY THEFT REPORT TO THE CREDIT BUREAUS, AND THEY HAVE NOT REMOVED THE ACCOUNT
Company Response:
State: CA
Zip: 92553
Submitted Via: Web
Date Sent: 2020-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: The whole process of getting a credit card after filing ch. XXXX bankruptcy is baloney. I could get a car but not a credit card? That's XXXX. THINK ABOUT IT -- since filing the ch. XXXX bankruptcy I have been inundated with junk mail to get me to buy a car with NO CREDIT baloney. A CAR?? Gas money? Repair money? But NO CREDIT CARD to help pay for those things? It is XXXX. Legal Aid provided a free clinic about filing ch.XXXX bankruptcy and told attendees to expect all the offers after filing for bankruptcy -- including credit card offers with crushing finance rates. HOW is a person in a financial hole supposed to get out of it if the person is then BURIED in more XXXX like that? And I noticed a bunch of shady types at the meeting of trustees -- ready to pounce on people who had filed for bankruptcy. And the meeting was at a hotel by XXXX car dealerships. THAT was XXXX. This whole bankruptcy thing is a scam for lawyers and car dealers.
Company Response:
State: MD
Zip: 21771
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-01
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: On XX/XX/XXXX, I made a purchase on XXXX. This online company sells hair care products. I made a purchase of {$87.00} in total. I used XXXX XXXX service to make this purchase. My XXXX XXXX is attached to my Discover credit card. I didn't not receive my merchandise upon the delivery due date on the XXXX website. I contacted XXXX. XXXX said a local warehouse will contact me within 24-48 hours since they are not able to locate this package. I contacted XXXX customer service via email since they don't have phone nos. and they only help through email. They never got back to me and the past 48 hours, I never heard anything from XXXX. I contacted XXXX XXXX they said, they will try to reach merchant and put my payment pending instead of clear but I will have to wait 15 days to file an A-Z claim. Once XXXX stepped in Merchant emailed me back and said, I should cancel my claim with XXXX and they will send me a replacement. I contacted XXXX the same day right asked them to cancel the claim since the merchant is willing to work with me. XXXX said they have not filed the claim yet and they will go ahead and email the merchant and I asked XXXX rep to CC me in that email, which they did. The next day I received another email from the merchant and they sent me a screenshot of XXXX balance being pending. Even upon, telling them multiple times that I have not filled any claim yet because XXXX waits for 15 days, the seller wasn't listening. I contacted XXXX again and asked them to double-check to make sure there is no claim, XXXX said, if seller is not willing to work with me it is better for me to file a claim with Discover otherwise I should wait for 15 days to get over. This whole conversation as happening on days 12 and 13. I contacted Discover and filed the claim with them instead. In the meantime, XXXX updated their website with tracking no. XXXX. First, they showed they were out to deliver but couldn't deliver because the customer is not available. on XX/XX/XXXX they updated the status being delivered. XXXX just dropped off the box instead of asking for my signatures. If they really attempted to deliver the package a day earlier than why did they put the customer 's not available if they didn't require my signatures? The XXXX was being nothing but shady. I contaced the merchant right away and sent photos of damaged box and product inside. I also contacted Discover dispute department and updated them about the whole situation. The merchant responded back and again said the same thing to cancel the dispute to send me a replacement. I contacted Discover to cancel the dispute, Discover rep said, it is better if I keep the dispute going because once I close it I will not be able to reopen it even if Merchant refuse to send me a replacement. After all this going back and forth it is better to keep the dispute active. Within 3 days, I received a call from XXXX regarding the claim that the merchant filed on the damaged package. I gave them all the details and they apologized for the inconvenience and said they will close the claim in merchants favor for delivering the damaged box and merchandise. In the mid of XX/XX/XXXX, Discover sent me a letter stating that the dispute has been closed in my favor and a permanent credit has been applied to my account including any interest charges. On XX/XX/XXXX, I looked at my statement and it showed that discover has reversed the permanent credit. I contacted Discover right away and spoke with a lady from dispute department, she said, they received an appeal from the Merchant, they are sending me a replacement instead so Discover closed the case in merchants favor automatically since my dispute was challenged. She said, she will reopen the dispute again but I must contact the merchant again and demand replacement first. I have never received any replacement. Discover wanted me to keep the dispute open so I would be at least on the safe side, just in case, the merchant doesn't deliver the replacement shipment. I never received any replacement and now Discover decided to give my money back to the merchant. At the end, I would hold Discover responsible for poorly taking this dispute. First, they gave me temporary credit and 30 days later they gave me permanent credit. And 120 days later they took the money out of my account and pay it back. While they were doing all this they never informed me about it.
Company Response:
State: CA
Zip: 95219
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-31
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: THE DISPUTE I bought what XXXX XXXX advertised as a NEW XXXX XXXX XXXX XXXX. It was NOT NEW, XXXX XXXX? shipped me a used XXXX XXXX XXXX XXXX. There were numerous XXXX, most everything with this Crossbow looks used, broken, or defective. At the time I purchased the Crossbow from XXXX XXXX Warranty support was from XXXX XXXX at XXXX XXXX. Recently, I receive an email regarding a Warranty issue from someone named XXXX, with a XXXX Phone Number and an Oregon, USA address ( NOT at XXXX XXXX ), who does not seem to understand Crossbow Operation or Crossbow Nomenclature. I get an email from someone else, also NOT at XXXX XXXX ( XXXX ), who wants to talk only via phone. In my opinion, XXXX did not want email documentation, but most importantly, I believe these people are scamming me, and that they do not work for XXXX XXXX or XXXX XXXX. THIS IS AN ONLINE SCAM! Discover Credit Card said that the XXXX XXXX Dispute was resolved in my favor. The Discover Credit Card Account I was told would be CLOSED ( at my request ) with its XXXX balance, and confirmed via U.S.P.S. Mail, Dispute Resolved in my favor and Account Closed, Balance XXXX. This is an Online Scam. I never received the confirmation via U.S.P.S. Mail that Discover send they would send to me. I KNOW someone is trying to get me to pay {$1300.00} for a used XXXX XXXX XXXX XXXX, so they can send me a Return XXXX for a refund, and say they never received it back. XXXX XXXX XXXX Tracking always shows Delivery Exception, re-routed to an alternate address ( alternate address is never not posted-XXXX ). I purchased it once If really XXXX XXXX was the seller, I only need be shipped what I paid for once. This is a Scam.
Company Response:
State: MA
Zip: 02740
Submitted Via: Web
Date Sent: 2020-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-31
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I applied for a personal loan to remodel my home for {$35000.00}. They asked for bank statements to verify my employment and I provided three months clearly documenting my payroll. I make over {$300000.00} per year and have a FICO score of XXXX so I thought I would be easily approved. They said that my bank statements were not acceptable since the payroll goes to a trust account like many people in my position being over XXXX. So they asked me to send our 2019 tax return, which I did. After some time I followed up and they reviewed my tax return and then asked for my bank statements which I reminded them that the already had. They denied my loan because they were " Unable to verify Income. '' " Documentation you provided is incomplete/unacceptable. '' That's unbelievable. They wasted my time and I truly believe they were Phishing for data on me and my family for resale purposes and never were serious with the offer. Please help, XXXX XXXX
Company Response:
State: CA
Zip: 931XX
Submitted Via: Web
Date Sent: 2020-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-31
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I opened a secured credit card account with Discover in XXXX of 2017. They advertise this card as being able to graduate to unsecured after 8 months by which time it will be reviewed monthly to see if it is eligible to graduate and the security deposit returned. The criteria they list is " Its important to have responsible use of all credit accounts, not just Discover. This includes on-time payments, staying within credit limits and avoiding returned payments, among other factors. '' This canned statement is very vague. Monthly they check my credit report and do not provide me with an Adverse Action Notice ( as detailed in the FCRA ) about why they are denying to grant me credit in the terms requested. Trying to talk to customer service at Discover is like talking to a brick wall. They only give the same exact canned response and say that it's automated and no one can manually review it. This card that is advertised as being able to " graduate '' in 8 months is now sitting at about 34 months without graduating with no explanation of why or communication from Discover at all regarding this topic. During that 34 months, my credit score has jumped well over 100 points and all collection items have been removed as well as any other negative accounts and I've been able to be approved for any other credit I've applied for. If that doesn't qualify as responsible use of credit accounts, I'm not sure what does, and with the lack of transparency Discover has provided, I'm sure I never will.
Company Response:
State: IA
Zip: 503XX
Submitted Via: Web
Date Sent: 2020-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A