Date Received: 2020-04-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have recently noticed upon running my credit to purchase a home for the first time that I have a 30 day late payment associated with my credit card account with Discover Financial Services XXXX. this was back in XX/XX/2018. What happened was months before that I have been paying my balances manually online, and in XXXX had decided to use their App auto-pay on my XXXX for convenience purpose since its how I pay my other cards anyways. The transition to auto-pay was not as smooth as it did not take my payment for that month and it is understandable since the app did not have my correct statement ending balance so it will not take my payment. I had called Discover customer services regarding this matter during XX/XX/2018 and it was a recorded call. In that conversation, I had told them what had happened and the reason why the payment was late. The customer representative at that time apologized for the inconvenience and had waived the late fee I had incurred. My payments were never late before and after this occurrence with any account I have under my name unless there was an error. I contacted Discover Financial Services XXXX and had asked them why they reported my payment being late for 30 days. I had thought that they would not report this matter because it was a system error on their end that resulted in my payment not being processed on time. I had explained to the agent what the conversation was during that time and what our resolution was but the customer representative had told me that she can not do anything but will tell her supervisor regarding the matter, I had closed my account with them because of this upsetting situation I have been a responsible account holder for years and was misled to believe that they had fixed and acknowledged that it was a system error but reported me to the credit bureau anyways.
Company Response:
State: CA
Zip: 91702
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have a discover card that was opened with a credit limit of XXXX in XXXX of XXXX. I have never missed a payment on this account or any other account since this was opened. Since XXXX of XXXX I have bought a house, refinanced, as well as opened new accounts since XXXX of XXXX. Today XX/XX/XXXX I went to see if my last payment had posted to my account. To my surprise it said I only had XXXX available and my credit limit was XXXX. I thought my account had been had or it was a mistake. I contacted discover to only find out they had supposedly reevaluated my account and changed the limit to basically the balance on the card ( XXXX ). Please note I received on new statement on the XXXX stating my limit was XXXX, but they said a review also done on the XXXX and they adjusted to XXXX. This was done for 3 factors according to them - only pay miminum or close to the minimum - new accounts - seeking credit I have talked to the agents twice and it was stated there was nothing they could do. I can understand not increasing my limit but decreasing it to make it appear as the card was almost 100 % maxed out is ridiculous. This will affect my credit score for reducing my available credit as well increasing my credit usage. My credit score should not be dropped when I have done everything to keep this account and every account i have in good standing. This will have detrimental effects on my credit that I will have to find other ways to over come because of this shady business practice. If my life is never supposed to change to maintain a credit limit then this should be advised. Never mind during the middle of a Pandemic, this practice should be illegal as it significantly reduces my ability to ward off any financial hardship my family may face at this time.
Company Response:
State: VA
Zip: 22193
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: Contacted Discover Student Loans multiple times in an attempt to reduce the interest rate, loan consolidation, or income based repayment plan. Most recently tried this again on XX/XX/20. Told that the amount of Student Loan debt was too high. Told that the degree received did not meet the criteria to consolidate the loan or reduce the interest. Discussed Governor XXXX 's COVID-19 Student Loan initiatives and went through the minimum guidelines for Private Student Loans. Discover was unwilling to adhere to the minimum guidelines : Providing a minimum of 90 days of forbearance Waiving late payment fees Ensuring that no borrower is subject to negative credit reporting Ceasing debt collection lawsuits for 90 days Working with borrower to enroll them in other borrower assistance programs, such as income based repayment. THERE ARE 3 LOANS WITH DISCOVER.
Company Response:
State: CO
Zip: 80021
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My credit score l am a XXXX per discover credit card is XXXX I have used that card and paid them off then just put the card away with a XXXX balance, l had a {$25000.00} loan with lending tree which l paid off in full o balance. I have credit card debt but Never chosen to consolidate the debt because l dont have a problem paying my cards never missed a payment ever yes my balance went up on credit usage but still no missed payments or asked any of my lenders for help. Now this discover Card is just deciding to close my Account. I think l have been discriminated against because of age and being a single woman, shame on discover card in a time like that to do that to anyone. I dont need there credit card at all this is why l have not used that card. But l think this company needs to be reported, probably doing this to lots of poor people.
Company Response:
State: CO
Zip: 80022
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-21
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, I opened a discover account ( XXXX ) with a XXXX dollar credit limit.I have used this card many times and payed it off many times.My last payment was on XX/XX/XXXX, paying off card.From XXXX, I havent used the card for any purchases and kept it for future use.On XX/XX/XXXX, I woke up with an email from Discover saying that my account was closed for : Inactivity on your account ( s ) Serious delinquency Proportion of loan balances to loan amounts is too high Also, it states in that email the key factors are : 1. serious Delinquency 2. Proportion of loan Balances to loan amount is to high 3. length of time 4. Too few accounts currently paid as agreed 5.Number of credit inquires on credit bureau I disagreed with all these key factors and why it was closed.I feel these key factors and why they closed the account is a lie.I believe its because of the current coronavirus pandemic and discover is closing many accounts.I have other credit cards with other companies, that i paid off on XX/XX/XXXX and they didnt close my account ( s ) .I know credit card companies can close accounts at anytime.Also, in my XXXX credit report dated XX/XX/XXXX file number XXXX, my credit score is way over 700.In the discover email dated XX/XX/XXXX, it states my credit score is XXXX.That score is false discorver provided.I called discover on XX/XX/XXXX at XXXX and spoke with XXXXShe stated my credit card was closed because of Inactivity on account.I asked XXXX to reinstate my card and XXXX stated i will have to re-apply.I asked XXXX, if this account was closed because of the Pandemic and she would not responsd to that question.XXXX also stated to contact XXXX if i have any concerns about my credit report and discover email.I totally disagree with discover closing my account.I believe Discover treated me unfairly.
Company Response:
State: MI
Zip: 48083
Submitted Via: Web
Date Sent: 2020-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-21
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: The card is thru Discover. I called them to see if they would lower the interest rate on my account since i have been with them since XXXX and have never missed a payment. I first called them on XX/XX/XXXX and they offered a 6 mth program which lowered the interest rate down to 9.99 % but for only 6 months. I enrolled in that program and was now that the 6 months is over the interest rate has gone to 22.99 %. I called Discover yesterday, XX/XX/XXXX and was told they can not offer and are not offering any help due to the covid 19. I expressed my concern why they are not willing to work with their clients like other credit card companies do. But the lady i spoke with just keep stating that there are no plans and since i just did the 6mth hardship that i am not eligible for any programs for 1 year. I have never paid the bill late, i pay early and usually pay more then the mininum. I don't want the card any longer and with interest rate so high it will take forever to pay it off. i have tried to get personal loan to consolidate and pay the card off but no luck. Please help.
Company Response:
State: AR
Zip: 727XX
Submitted Via: Web
Date Sent: 2020-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-21
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: on XX/XX/2020 i received an email from discover card telling my account is closed due to inactivity.The email shows a credit score of XXXX which is incorrect from XXXX.A XXXX report from XX/XX/2020 shows a credit score well over XXXXI dont know where discover is getting there score from buts its incorrect.
Company Response:
State: MI
Zip: 48083
Submitted Via: Web
Date Sent: 2020-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I AM A VICTIM OF AN IDENTITY THEFT, AND SOMEONE STOLE MY INFORMATION AND OPENED FRAUDULENT ACCOUNTS, THE CHARGES ARE FRAUDULENT AND NOT MINE. JUST BECAUSE THEY ARE BIG CORPORATIONS AND THEY CAN CONTROL PEOPLE BUT THEY SHOULD UNDERSTAND THAT I AM VICITM THESE CARDS AND THESE CHARGES ARE FRAUDULENT.
Company Response:
State: CA
Zip: 91606
Submitted Via: Web
Date Sent: 2020-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This Complaint Against Discover Financial has run my credit without my authorization and has left Unautorized hard inquiry on my credit and this inquiry impact my credit on date DISCOVER FINANCIAL SER Inquiry date : XX/XX/XXXX DISCOVER FINANCIAL SER Bank Credit Cards Inquiry date : XX/XX/XXXX DISCOVER FINANCIAL SER Inquiry date : XX/XX/XXXX i just applied for credit card date : XX/XX/XXXX and i got approved which is accurate other above is fraud
Company Response:
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2020-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2020, Discover Financial Services reported my account as delinquent in the amount of {$3400.00} which is incorrect and the correct balance is {$3200.00}. I contacted Discover to agree to set up a payment arrangement on a different date due to my job being affected by Covid-19. However, they reported me anyway while I am still on a payment plan.
Company Response:
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2020-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A