Date Received: 2020-05-11
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I had a credit card with Discover Credit Cards and it was closed because I didn't pay. Discover took me to court without my knowledge and I they garnished my paychecks. I explained to them that I got a separation and I was paying child support. And if they could placed me in a payment plan since I got a new job, and they were not able to help me. This happened around XX/XX/2019 and by XX/XX/2019 I had the balance paid off, including additional fees that they added into my account.
Company Response:
State: FL
Zip: 32750
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I checked my credit because i want to buy a home and am a XXXX veteran and noticed there is an account on my credit that doesnt belong to me
Company Response:
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX XXXX my driver license, my social security, my passport, and other personal items including my husband documents were stolen. At that time my credit history was starting, so when I reported to the credit bureaus they put an alert for 6 months. On XX/XX/XXXX somebody got a credit card from Discover, using my identity. I discovered that on XX/XX/XXXX when I downloaded the App XXXX. Since that date I have been trying to remove this false account directly with Discover, but have been impossible.
Company Response:
State: FL
Zip: 32607
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: No explanation. Received nothing after several times. Been waiting for months. Not even a response.
Company Response:
State: KY
Zip: 408XX
Submitted Via: Web
Date Sent: 2020-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: For the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, every time I tried to pay my bill through auto-pay it would not go through. This has effected greatly as well since Ive been dealing with reoccurring health problems and I can provide medical bills to prove it. I reached out to the company more than once and theyve done nothing to resolve this issue. I even offered to pay the entire balance due in full if they could remove the 8 late payments that were brought on due to their faulty auto-pay system. I now can not get approved for an auto loan due to these marks on my credit report and the company will not help me with this unfair situation.
Company Response:
State: WA
Zip: 98372
Submitted Via: Web
Date Sent: 2020-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XX/XX/XXXX I tried obtaining a home loan for me and my family. At that time I discovered that an inaccurate account was still reporting on my credit report from a Bankruptcy that I filed back in XXXX. Upon discovering this, I disputed the inaccurate account with Discover Card and XXXX Credit Bureau in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The Discover Card account is showing an outstanding balance of {$5800.00} and as an open account. The original amount that was filed in the Bankruptcy was for {$5500.00}. Due to the negligence of Discover not correcting their records, they have added interest and late fee 's onto this inaccurate Account. When I received the disputed results back from XXXX Credit Bureau it always come back as VERIFIED AS ACCURATE. How is it verified as accurate when I have in black and white proof that shows there should not be a balance, the account should not be an open account, the account should not be a charge off and I included it in a Bankruptcy? That leads me to believe that either XXXX DID NOT do a through investigation and did not give me my due process or when Discover Card sent information to XXXX they DID NOT do a through investigation. None the less. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all information which can not be verified as 100 % accurate information. I request that you DELETE this immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2020-05-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-10
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I am a resident of New Jersey, currently in lockdown still from COVID-19. XX/XX/2020 I started a payment plan with Discover Card to get my credit card under control ( Before the pandemic grew to the size it is now ). On XX/XX/2020 a payment was automatically taken from my bank account from Discover. At this point I had lost my job from COVID-19 and I contacted Discover to get a refund and cancel the payment plan. They issued a refund check by mail and said ( in writing in their messenger section of their XXXX app ) that the payment plan would be cancelled. On XX/XX/2020 a payment in the form of an automatic check was sent from my bank account to Discover card. I immediately contacted Discover card over the phone and tried to get the money back and explained my situation. They said that there was no history of me asking for the plan to be cancelled and that it could not be cancelled. They then put my case in review. On Thursday XX/XX/2020 I received a call back from Discover. They said the money was not able to be refunded and that the plan was not able to be cancelled. They told me that in order to push back the upcoming payment in XXXX that I would have to call at least 3 days before hand. After this I contacted my bank where I found out that I could not stop the payment or get it refunded on their end because it was in the form of a check which they made out to Discover in my name. Discover had somehow set up a bill pay on my personal checking account that I can't even access to cancel or stop it from happening. This is ridiculous. I can't find anyway to stop these payments aside from hoping that if I call a few days before hand that they'll push it back a month.
Company Response:
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2020-05-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-09
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: on XX/XX/XXXX applied for a discovered card and approved. XXXX requested a deposit for the approval. XXXX ACH the funds on the XXXX of XXXX, an alert was sent from the bank. I immediately made contact with the DIscover bank. SPoken with XXXX regarding the issue. She stated as long as the funds were available, the approval still stands. Called a couple of days later regarding the withdraw of funds, I was later told i was denied. Spoken with a supervisor XXXX. Extremely nice and pleasant and went above and beyond to hear concerns. XXXX stated he will listen to the call placed between myself and the customer service rep. XXXX returned the call and stated he understands my concerns. Unfortunately, XXXX couldn't resolve my issue. The company failed to comply with the guidelines stated by XXXX XXXX. Requesting to resend offer. Today went through a pre-approval process and was pre-approved for a discover it cashback card. Applied due to conversation which taken placed prior, company immediately denied me. The company blackballed me for approvals due to the incident.
Company Response:
State: PA
Zip: 17055
Submitted Via: Web
Date Sent: 2020-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX Discover closed my account which I had since XXXX with not even one derogatory remark and with a credit limit of {$18000.00}. When I called the company they claimed it was closed due to inactivity even though I explained that I use it to make large purchases and that it hasn't even been a year since the last time I used it. They explain that I would have to apply again and lose my credit history since XXXX. It is unfair that they would do this without even notifying me first. Now my credit score dropped due to my credit utilization increasing after losing this credit line.
Company Response:
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2020-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-08
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: i was unable to view my account for my card online there was a prompt saying that unauthorized purchases needed to be reviewed for some kind of fraud issue. i called in and i was told that i needed to use docu sign to authorize to have my tax papers reviewed to confirm my identity. I was misled and there was no fraud. I was also told with the current pandemic this could take weeks and my card may or may not allow for purchases. I advised this is not the best time to do this as the world is experiencing a pandemic and stopping a card at this time could hurt a customer financially. I am not sure what other customers are going through this, but this shouldn't be allowed during a time like this. Something needs to be done.
Company Response:
State: MN
Zip: 55124
Submitted Via: Web
Date Sent: 2020-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A