Date Received: 2020-05-24
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/20 YOU SEEM TO HAVE RECHARGED ME FOR MASKS FROM XXXX WITH A GUY WHO INITIALLY DIDN'T SEND THEM TO ME ON TIME, TO THE FACT HE CHARGED ME XXXX FOR WHAT WAS SUPPOSED TO BE XXXX BUT HE MADE SURE IT WAS ONLY XXXX. SO YOU CAN TALK TO THE MERCHANT IN XXXX SINCE YOU DIDN'T WANT TO TALK TO ME ABOUT THE DISPUTE THAT SHOULD STILL BE ONGOING AS I CALLED AND TOLD YOUR CS REP ONCE THEY WERE DELIVERED VERY LATE THAT NOW THERE WAS ONLY XXXX IN THE BOX WHEN THERE SHOULD HAVE BEEN XXXX. SO YOU LET ME KNOW HOW MUCH YOURE GOING TO CREDIT ME FOR THE MISSING XXXX OR ILL CLOSE MY CARD AND REPORT YOU ALL OVER DISCOVER. THE CHARGE DISPUTE IN QUESTION IS WHAT YOU JUST POSTED BACK TO ME. XXXX XXXX *XXXX
Company Response:
State: MA
Zip: 02760
Submitted Via: Web
Date Sent: 2020-05-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I was reviewing my credit report and noticed that the company closed my account on XX/XX/19. I did not request account closure and my account was in good standing throughout the lifetime of the account.
Company Response:
State: MD
Zip: 20814
Submitted Via: Web
Date Sent: 2020-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: ACCOUNT IS INACCURATE Date opened is inaccurate high credit is inaccurate comments/remarks are inaccurate Payment history is inaccurate
Company Response:
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2020-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-22
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: Obtained Discover credit card ..XXXX, XXXX Made a {$4600.00}. balance transfer at that time. 0 % interest on balance transfers and purchases. Have paid monthly purchase charges on statements in full and included an additional amount, assuming the extra money would be applied to the balance transfer amount due. On XX/XX/XXXX, and again on XX/XX/XXXX, I was told the extra money was applied to other charges made to the account.. Why are my payments in excess of the purchases amount shown on the monthly statement not applied to the balance transfer amount due?
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2020-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to DISCOVER FINANCIAL SERVI to get the inquire removed but, they haven't resolved the matter.
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2020-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-22
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XX/XX/20 spent 2 hours this morning trying to log in to my account and cant. Discover does not know why. XXXX supv. XXXX XXXX XXXX Utah has me holding but us not fixing.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2020-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards with the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.
Company Response:
State: LA
Zip: 71360
Submitted Via: Web
Date Sent: 2020-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I received notification via email and then checking with my online credit card account that my credit limit was decreased from {$6000.00} to {$1800.00} this morning due to reviews of my credit profile. The crazy thing is on their site my FICO score increased by 12 points within the last month and they say that my latest review warranted it. Very rare is what I found when researching this and very horrible in time such as this when my other cards are helping they decide to rob me!
Company Response:
State: PA
Zip: 15001
Submitted Via: Web
Date Sent: 2020-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-20
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 have a dispute with Discover Card Services concerning the charge on my account made by XXXX on XX/XX/2019. In an effort to discard the reservation it was inadvertently booked by mistake. I call was immediately placed to XXXX to explain the mistake and requested a cancellation. I doubt the transaction was transmitted to the XXXX XXXX in XXXX AZ. I was charged {$170.00} for a reservation that was never processed and for service not used. The following is the dispute for the charge : Case # XXXX Merchant : XXXX XXXX Dispute Amount : {$170.00}
Company Response:
State: IL
Zip: 60060
Submitted Via: Web
Date Sent: 2020-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-20
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: In XX/XX/XXXX I enrolled in XXXX XXXX XXXX XXXX XXXX. As with most XXXX universities, it was extremely expensive, much more than anything my non-college educated mother or deceased father could pay. Unfortunately my mother was unable to complete her taxes on time when it was my turn to apply for college funding. Being XXXX and claimed as her dependent, I needed her tax returns to apply to federal college funding, FAFSA. With no one to assist me I applied for private student loans ; one from XXXX XXXX, XXXX XXXX, and XXXX, which has since been sold to Discover. My full tuition totaled to about XXXX, all of which I borrowed from these private banks with variable interest rates. XXXX sold my loans to Discover, which have a variable interest rate, mostly hovering between 11 and 13 percent. Since XXXX I have made my payments on time consistently yet my balance remains larger than the original amount borrowed. XXXX was the borrowed amount and I have given Discover nearly XXXX and only XXXX went towards the balance. Before I was laid off by the current pandemic ( XXXX industry ) my average annual income was XXXX. And because my debt to income ratio is too high, I do not qualify to have my loans refinanced. I have been turned down by every company I applied to. What else does this mean? I will be denied for a home loan, car loan, and most other steps towards a future. The American credit system says I am too broke to get help. For eight years post college graduation, I have paid over {$1000.00} a month to all of my loans yet I owe more than I borrowed and it is impossible to get out of this hole of debt or go anywhere with my life. After years of cries for help falling onto deaf ears at Discovers call center. I finally contacted the corporate office in Delaware. The woman who answered, claimed she opened an investigation on my account. It has been a month and I have not received a call back. Half of the time I call, the phone rings for a few seconds then plays an automated message saying the number is no longer in service. I'm writing to ask for help by some sort of regulation to not allow this to happen any longer. It is crippling my generation and will lead to a very imbalanced socioeconomic future.
Company Response:
State: NY
Zip: 11222
Submitted Via: Web
Date Sent: 2020-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A