Date Received: 2020-04-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Attempts to pay Discover automatically rerouted to customer services who delayed with chit chat until past XXXX XXXX cut off and then added late fee. I kept saying may I pay now? Did not execute payment until XXXX XXXX EST, XX/XX/2020 still plenty of time before midnight. They documented payment as of next day XX/XX/2020 and stated late fee applied. Would not reverse when I called the next day. They have done this several times. I always pay on the XXXX. Best practices would be to credit when transactions are verified. It is their system error. They corrected in past but now say since it was corrected before, they will not correct THEIR mistake again. Millions of customers are being needlessly charged late fees.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I don't have a Discover Card. How can they show on my credit report as a creditor without my knowledge? I didn't sign up with them people. I sent all the stuff to them to show them and they still are showing on my credit.
Company Response:
State: MT
Zip: 597XX
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-29
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I've called twice asking Discover to close my Discover IT card ending in XXXX. They refuse to close the account.
Company Response:
State: CA
Zip: 94102
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-28
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: Discover Card XXXX was totally paid and has not reflected in my score. XXXX not answering phone and I DO NOT HAVE A COMPUTER. I am going to move next month and I need my score raised so I can get away from here where I am living at. Discover Card has been just lowering my score constantly and i CAN NOT GET INTOUCH WITH XXXX. NOT ANSWERING PHONE.
Company Response:
State: CA
Zip: 91601
Submitted Via: Web
Date Sent: 2020-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Recently, I have pulled out my credit report and I am so amazed about the unauthorized accounts on my credit report. I believe that I have never had any outstanding debt with Discover and I have never any type of communication regarding this fraudulent account.Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner.
Company Response:
State: CA
Zip: 95037
Submitted Via: Web
Date Sent: 2020-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I was approved for a secured Discover card in XX/XX/XXXX with a security deposit of {$500.00}. I allowed Discover to draft the deposit using my routing and account number. After the probationary period, I was approved to graduate to a higher credit limit of {$2000.00} and have my {$500.00} security deposit refunded on XX/XX/XXXX. However, I did not receive the refund check. I contacted Discover in XX/XX/XXXX twice to find out where my refund check was. It was returned as undeliverable. My address has not changed. I have lived at the same address since XX/XX/XXXX. I provided them with my correct address again. I called again in mid-XX/XX/XXXX and spoke with a supervisor because I still had not received my refund check. I was told yet again that they would issue another check via US Mail, and I would have to wait 30-45 days to receive it. I called again on XX/XX/XXXX. I was advised that my check was mailed XX/XX/XXXX and that I needed to wait until another 30 days had passed before calling again. I have asked repeatedly and even offered to cover the shipping fee if they will just send it XXXX or XXXX so I can have a tracking number. They said the only way they refund the security deposits is via check sent first class US Mail. I am seeking your assistance to receive the refund of the security deposit that I am entitled to. I am also seeking your assistance in changing this procedure because other customers are probably affected by it as well. Thank you
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-28
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I called Discover Student Loans on XX/XX/2020 to request the 90 day forbearance due to COVID-19 as outlined by Governor XXXX. Multiple representatives told me Discover Bank is only allowing a 60 day forbearance at this time, despite the XXXX website listing Discover as one of the lenders participating in the 90 day forbearance. I ultimately enrolled in the 60 day program but would like this extended to 90 days if possible.
Company Response:
State: IL
Zip: 60445
Submitted Via: Web
Date Sent: 2020-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Fri XXXX XXXX, 2020 Merchant name is XXXXXXXX XXXX - THANK YOU Merchant category is Payments and Credits Amount is - {$1800.00} running balance is {$97.00} I payed XXXX as a minimum payment was charged XXXX and it was of course returned the payment was on discovers side accepted and taken off my debt in which they said they were going to send a Check to me referring to the extra amount paid after my bank rejecting the amount and charging me an extra {$35.00} instead of allowing this check to go to the bank they are sending it to me, i had them send it to me so that it did not reflect upon my credibility on the bank as it was going to take 7-9 business days. so that i can contact XXXX XXXX and return the money to the account without over drafting myself and putting my account in bad standing, unsure of what to do now i contact wells fargo to discuss the situation
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2020-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
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: XX/XX/XXXX Discover Card Purchase XXXX {$1700.00} XXXX salesman promised they would provide me with 15 to 20 High Quality Real Estate Buyers per month for 3 months for $ XXXX/mo, but I had to pay in full up front. XXXX email advertisements to me before I became a customer said, wouldnt it be nice to wake up every morning with Buyers & Sellers in your email box waiting for your call. Yes it would, but that never happened. By XX/XX/XXXX I had only received 2 Buyer names, one was 100 % Bogus, the other of which would never respond to any of my calls, texts, or emails. I requested a full refund from XXXX, also providing but they refused. They also said they have no control if the buyers are bogus or not but they still counted against my 15 to 20 per month. WHAT!!!! I filed a dispute on XX/XX/XXXX with Discover Card. On XX/XX/XXXX I received an email from Discover Card stating they found in XXXX favor. This was unacceptable. On XX/XX/XXXX I emailed Discover Cards corporate headquarters. I submitted evidence of my claim, evidence of XXXX false advertising & bad review after bad review of other dissatisfied customers making the same claims. I was completely scammed & lied to by the salesperson & XXXX 's false advertising of their High Quality Buyers. I received emails nearly every day with their same claim of wake up every morning with Buyers & Sellers waiting for your call in my email box to work with. Again, this never happened. Discover Card had XXXX in corporate give me a call. He said hed look into it & get back with me in a few days. When he called again he said they still found in XXXX favor stating XXXX has an A+ Rating with the XXXX, that I signed an agreement & they can not do anything to help me & their decision stands. I said XXXX is not an accredited XXXX business & all the complaints are filed on XXXX XXXX XXXX, & the XXXX rating was false & inaccurate. I had not received anything I was promised nor anything of value & asked how I was supposed to get my money back or anything of value for this purchase. He said I would have to speak to the Merchant, XXXX. On XX/XX/XXXX I received a letter in the mail from Discover Card dated XX/XX/XXXX stating they found in the merchants favor including a letter from XXXX which stated their response on XX/XX/XXXX that I signed a 3 month agreement but that XXXX makes NO GUARANTEES on their performance. Did Discover Card really look into this as XXXX said, because they made their final decision on the same date I sent the email, on XX/XX/XXXX. I went over & over this with XXXX on the phone but he said there was nothing he could do & kept telling me they had an A+ Rating on XXXX. Again I said XXXX is not an accredited XXXX business & all the complaints are filed on XXXX XXXX XXXX, & the XXXX rating was false & inaccurate. But my rebuttal fell on deaf ears. Discover Card left me no choice but to crawl back to XXXX. They said they would keep my account active until they provided 45 Buyers. Remember I was supposed to receive 15 to 20 High Quality Buyers per month, which would be 45 to 60 High Quality Buyers total in 3 months. A supposed buyers name trickled into my email box a few times a month. As of XX/XX/XXXX I had only received 27 supposed Buyer names, with at least 5 absolutely 100 % bogus, which still counted towards my numbers. How can XXXX advertise & claim Go Ahead, Picture Yourself at the TOPQuality Leads, Quality Life on their website. Not one buyer name provided was a Quality Buyer. Only 2 even gave me the opportunity to speak to them & they werent interested. On XX/XX/XXXX I received an email from the owner of XXXX he was closing effective immediately due to Covid19. I emailed Discover Cards corporate offices on XX/XX/XXXX with this information, reminding them of this crooked business, requesting this charge be reversed in full, requesting {$1700.00} be refund back to my card, stating The Fair Credit Billing Act passed in 1975 gives me the right to dispute a charge if Im dissatisfied & the merchant didnt provide satisfactory goods or service. I did so on XX/XX/XXXX. I also stated Discover Card did not do right by this Act in their decision & they did not protect me as a credit card customer. I stated this merchant baited consumers with false claims & false advertising & did not provide anything of value in return & did not provide satisfactory goods or service. XXXX was a total SCAM, RIP-OFF, A SHAM, APPALLING, UNSCRUPULOUS, MISLEADING, AND A FRAUD!!!!!! According to The Fair Credit Billing Act I demanded a full refund of {$1700.00} processed immediately back to my Discover Card account. Again corporate had XXXX call me appeasing me that hed look into it again. I received a call again today XX/XX/XXXX, their decision remains unchanged & they find in favor of XXXX. So the owner of XXXX walks away with my money without providing anything of value in return, without providing Quality Buyers in return & walks away with thousands, probably millions of dollars the rest of the public without providing Quality Buyers & Quality Sellers & without providing anything of value in return. Ive seen these kind before. XXXX had so many bad reviews hes closing up under the name XXXX & will reopen in a new business name with a clean slate.
Company Response:
State: FL
Zip: 33897
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A