Date Received: 2020-05-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Discover card is reporting the wrong amount owed. The credit limit was {$500.00}, the balance showing is {$1000.00}. I called Discover, they stated no bill statements is in their system, I was referred to an collection agency. Spoke to XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, OK XXXX, ( XXXX ). Collector stated, I owe {$1000.00}. I explained to him, my credit card limit was {$500.00}, I stated to him, my card became delinquent after XXXX XXXX, I lost my job during my recovery. I made 2 payments, then declined, I didn't realize that I had no direct deposit because I was terminated while recovering from XXXX. He stated, he have no records, he just have my file stating, I owe {$1000.00}. I explained to him, that was incorrect. He stated, all he could do is collect XXXX or set up monthly payments or settle for XXXX. I declined because, I don't owe that amount and I don't have an income. He told me there is nothing he could do.
Company Response:
State: LA
Zip: 70117
Submitted Via: Web
Date Sent: 2020-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I had a default judgement file against me from XXXX XXXX XXXX XXXX which is in XXXX, OK. They never serve me any papers so I knew nothing about this until I got a letter in the mail. I have sent them multiple letters asking them for Validation of debts and they have yet to show me proof of this allege debt that they claim I owe them. They have only sent me statements which shows that this allege account that they say I owe is pass the statute of limitations in my state which is 5 years in Arkansas. And I also thought that I was suppose to get 30 days to answer them back for the judgement they file against me and they didn't give me the 30 days to answer back.
Company Response:
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2020-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-05
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: My bank had a payment that cleared my account XX/XX/2020 in the amount of {$18000.00}. However, my discover credit card do not have any payment posted to my account. I called Discover Credit Card to notify that the payment has not posted to my account, and they have told me that they can't do any type of investigation until after 10 business days. I explained to them that is creating a financial strain giving the amount of money that I paid, but they refuse to help or investigate. They also instructed me that after 10 days it can take 10 -14 days for them to investigate further. My concern is this puts me in a financially uncomfortable position where there is {$18000.00} not accounted. I told discover that I have the trace number that the bank have given me, but they refuse to take any action until 10 days after the date the funds cleared my account.
Company Response:
State: FL
Zip: 32746
Submitted Via: Web
Date Sent: 2020-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: the account does not belong to me and is fraudulent, police report and Federal trade commission was informed XXXX XXXX XXXX and continues to report fraudulent information after putting on notice that the account was a fraud and was not open by me
Company Response:
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2020-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-04
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: XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX Cell Phone # ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Attention : Customer Service Group Discover Financial Services XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Attention : Customer Service Group SEEKING REFUND CREDIT OF RETURNED XXXX ITEM : {$530.00} XX/XX/2020 Dear XXXX & Discover Financial Services Customer Service Managers, I wish to bring a product return issue to your attention ( XXXX XXXX, XXXX ORDER # XXXX ) that I purchased on XX/XX/2020 ( Purchase price {$530.00} ). I bring this issue to your attention because this product was returned to XXXX. XXXX acknowledges receipt of returned product on XX/XX/2020 ; however, refund has still NOT been credited to my Discover Credit Card. To resolve this issue, I would like to receive a refund to my Discover Credit Card for the purchase price of {$530.00} as soon as possible. Below is a summary of events to date : 1. XX/XX/2020 Purchased Item from XXXX. 2. XX/XX/2020 Scheduled delivery date per XXXX. However, XXXX failed to deliver product to my house on XX/XX/2020 but incorrectly noted Delivered on my XXXX account. 3. XX/XX/2020 -I attempted to call XXXX Customer Service to inform that item was not received but was unsuccessful as all phone lines were not answered. 4. XX/XX/2020 launch a Charge Dispute through Discover Credit Card. Discover Card then issued a Temporary Credit/Refund back to my Discover card pending investigation. 5. XX/XX/2020 My neighbor delivers my XXXX item that had been wrongly delivered to his house. I immediately wrote a note to Discover informing Discover that I had received the product and was ok to pay XXXX. 6. First Week of XX/XX/2020 I returned the product to XXXX as I was not satisfied with it. 7. XX/XX/2020 XXXX acknowledges receipt of returned item. According to XXXX website, refund will be processed within 2 to 3 business days of receipt of item. 8. Over the past weeks I have reached out to Discover and XXXX multiple times to inform that I have still not been credited with the {$530.00} following return. Both parties have been unhelpful, and this continues to be a frustrating issue. 9. XX/XX/2020 reached out to Discover to follow up on issue once again Asked to speak to a Supervisor in the Disputes Resolution Dept. Supervisor could clearly see that refund had not been issued but was, again, very unhelpful, noting that it was possible that XXXX may have sent me a refund via check ( As a standard policy, I believe XXXX issues refunds back to the card or original means by which item was originally paid for ). Item was purchased with a Discover Credit Card so how is it possible that XXXX then decides to send me a refund via physical check OR Cash? 10. XXXX XXXX I again reached out to XXXX Customer Service via online Chat - XXXX noted that refund was sent to Discover Card on XX/XX/2020. They note that they did not recharge my Discover card when my neighbor delivered the product. Explanation does not make sense as returned item was received by XXXX on XX/XX/2020. I am now caught in a bureaucratic web between XXXX and Discover Credit Card. I have provided evidence to Discover that indicates that XXXX has received returned item. Discover Dispute Supervisor is now saying that it is possible that XXXX may have sent me a physical check for the returned item and wants me to prove that is not the case. How do I prove that? Send all my various bank account statements to Discover to evidence that I have not received the {$530.00} from XXXX? Discover Credit Card - why not simply reach out to XXXX to verify whether a refund was sent to me? In this intervening time, Discover Card continues to charge interest rate on my account for a product that is no longer in my possession. XXXX - Can you directly contact Discover to resolve this matter and issue this refund? I look forward to hearing from you as soon as possible to resolve this matter. I am enclosing copies of various supporting documents listed below. I may be contacted at the above address and phone number. Sincerely, XXXX XXXX CC : XXXX, XXXX CC : https : XXXX CC : ftc.gov/complaint ATTATCHMENTS : 1. XXXX Order Receipt 2. Charge Dispute email to XXXX 3. Letter to Discover Card follow delivery of item by neighbor 4. XXXX XXXX Return Acknowledgement notification 5. XXXX XXXX chat script XX/XX/2020 6. Discover Activity Statement showing XXXX charge
Company Response:
State: NJ
Zip: 07960
Submitted Via: Web
Date Sent: 2020-05-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by Discover. After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Company Response:
State: OH
Zip: 44143
Submitted Via: Web
Date Sent: 2020-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-04
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: XX/XX/2020 : I applied for and was immediately approved for a secured Discover card. Like any other credit card application, I had to include my identifiable information which I'm certain Discover has the proper measure in place to " vet '' who I am as a form of verification and to thwart identity theft. XX/XX/XXXX : received email that my deposit was successfully received and that I would receive my card within 2 weeks XX/XX/XXXX : received card XX/XX/XXXX : received email to electronically sign & return/submit an IRS form 4506-T form. Odd but I complied. XX/XX/XXXX : I signed & returned & received confirmation for the completed 4506-T. Also called Discover at XXXX to activate card but to no avail. I figured I'd give it 5-7 more days to process the 4506-T. XXXX XXXX XXXX : I called Discover 's automated activation line at XXXX 18 times & went online just as many times I bet between those dates still to no avail. The customer service agents kept saying it's being processed, then someone finally admitted that Discover is moving slow due to coronavirus, then a lady finally apologized for the delay and offered minimum access to MY MONEY on MY card for food & gas which was no help to me. I need to be able to use that card for which Discover swiftly collected their deposit out of bank account. XX/XX/XXXX : I finally demanded to speak to a supervisor. I got a woman named XXXX who confessed that Discover is at the mercy of the vendor who processes the 4506-T forms & that as soon as a new " form finalizing '' plan occurs she would call me. She took my name & number and promised to call me with a solution. That never happened. At this point Discover has successfully been consistent in being a complete disappointment. And worse, they are holding money hostage ... ..without interest!!! There's more ... XX/XX/XXXX : No XXXX, no letter, no email so I hunted down a better " next step '' contact. I discovered XXXX, a customer advocacy number. I spoke to XXXX. I explained all of the above. He said he would research it, it typically takes 2 days, and he would call me by Tuesday, XX/XX/XXXX at the absolute latest. XX/XX/XXXX : In another random attempt to activate my card, I went online and was finally able to get through. I set up automatic payments for the XXXX of every month, set up two personal household bills to process their monthly bill automatically to this Discover card, and purchased some birthday items online for {$29.00}. The card worked for both bill set up & the purhase and I even received email confirmation accordingly. Now I'm happy. XX/XX/XXXX, XXXX EST : ( ironically subsequent to the above ) XXXX from Discover called me from XXXX. He said they still haven't been able to rectify or expedite the processing of the 4506-T forms & offered that I do more work and give them unnecessary, other access by sending them MY last 3 months of bank statements to which I replied NO. I didn't even mention that I had already accessed my account because I assumed he just hadn't done his due diligence and would see that I'm all set at this point. ( Because 1. My card worked now last I checked, 2. That's not a solution for me. That's a solution for them, 3. There was no explanation as to how or why a bank statement would further or better yet complete the verification process. ) XX/XX/XXXX, XXXX EST : I attempted to log in to make sure the merchant from whom I made a {$29.00} purchase had refunded me, and I got the same unable to access account message that I had gotten before!!!!! XX/XX/XXXX, XXXX EST : ( ironically subsequent to the above ) XXXX ( who I registered my complaint with on XX/XX/XXXX ) called me to say the same " we don't have a solution, send me your last 3 months bank statements '' jive. He said he sees where I declined to send my bank statements. He added that IRS allegedly placed a hold on processing 4506 forms. So I demanded some explanation & logic to which he really didn't have ANY satisfactory answers. My questions were : 1. Why do you need to verify my identity AFTER you not only approved but also SENT me a credit card AND swiftly COLLECTED my deposit? XXXX 's answer : Because Discover does random verifications. 2. Why/how was I selected for a random verification check when I'm brand new? XXXX 's answer : Because Discover does random verifications even on me customers. 3. What are you looking for on my bank statements? XXXX 's answer : I don't know. ( How ridiculous! And worse, IRS transcript shows way more than a bank statement. ) 4. I don't think it's accurate that IRS stopped processing 4506 forms because ironcially I've had to submit 2 of the same 4506-T forms to 2 other entities SUBSEQUENT to the one I submitted to Discover and those have been processed already. XXXX 's answer : _______ 5. What about the alleged 3rd party that processes your forms? So is it the 3rd party or the IRS that's not processing the forms? XXXX 's answer : IRS. And they have not provided due date & Discover is daily searching for alternate options to verify identity. 6. Since I have charges already on the card, how will I be able to make my payments? XXXX 's answer : We will send you a bill. ( I can't get ANYTHING else from Discover including access to MY card for which I have long ago satisfied the deposit, application, and verification requirements but I can get the bill though.??? ) 7. How was I given arbitrary access to my account online and to make non-food & gas purchases on XX/XX/XXXX? XXXX 's answer : XXXX did that when I spoke to him that day. ( FALSE!!! I spoke to XXXX coincedentally AFTER I accessed my account & made purchases! He obviously didn't check the time stamps. It sounded good in theory but that was NOT correct! So, this question is still unanswered also!! ) 8. I made a comment about me being an investor not a cardholder since they have my money & I can't use or access it due to no fault of my own. I asked about investor benefits, return/interest rates, paperwork, etc. XXXX 's answer : ___________ I've since then researched IRS handling. There is a blatant message on IRS.gov that says IRS is not processing or handling mailed 4506 requests and it even lists to steps requestors can use to get the requested response the 4506-T form warrants. I'm sending this message on the evening of XX/XX/XXXX. Over a month later and still no access to MY card or money, no logical resolution or explanation, no offer to " make up '' for this gross handling & inconveneince. All I have is a headache from this, an offer to do more work than Discover to solve their problem, no explanation, and oh did I mention no access to MY card or MY money?!!!! I dare not cancel the card because that would be another set of issues I'd have to work through especially on my credit because it would look bad to cancel a credit card. I have a sneaking suspicion this was the whole scam anyway. Approve card, take the money, assert that they are conducting a random verification, hold the customers card hostage until they send a 4506-T form, pretend Discover needs it, pretend IRS can't process it, instead request access to customers personal business/finances/buying habits, count on the type of customer that gets a secured card being so stupid, anxious, & desparate to have and use a credit card and rebuild their credit that they comply with these ridiculous requests and ultimately let the customer get frustrated enough to cancel, get their money back, & scar their credit. Discover wasn't even sly enough to make this fake verification a prerequisite instead of a post-approval requirements. No ma'am or sir. Fix this right away please. Please register this complaint. I have all of my written proof, my phone records, screenshots, emails, etc. I've forwarded this same message to the Office of the Comptroller of the Currency, XXXX, & every executive and board of directors at Discover and Discover Bank that I could find including CEO XXXX XXXX. This is so disappointing especially given the climate we're in now. Every dime counts! I know Discover could care less and that I'm a small fish in a big pond. The way Discover has behaved halfway makes me think I've uncovered their scam. No wonder more people carry Visa & MasterCard instead. I get it now. Please help me fix this. I'm not going to let this slide. Thank you.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) and the Fair Collection Practices Act committed by Discover. After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Company Response:
State: OH
Zip: 44143
Submitted Via: Web
Date Sent: 2020-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: To Whom It May Concern, I got letter dated XX/XX/2020 in the mail which I just saw onXX/XX/2020 will show you guys the picture as well. Saying I applied for either credit card or debit card or something with discover. However this is inaccurate and not authorized by me. I am unsure how this all came about. I am not looking for any credit cards or new banks at this time. I am asking if this can kindly be removed as this is not mine and I never authorized it or signed for anything. No idea how it all happened. Thank you for understanding.
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2020-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested. I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter? 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state? 5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature? 6. Please provide a complete account history, including any charges added to this collection agency or any account? 7. List of all names and contact information of all employees that was spoke to regarding this account or collection? You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status XXXX XXXX
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2020-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A