Date Received: 2020-04-10
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: Purchased phone case over the internet from XXXX XXXX. Case arrived and was not as described. Logo was a sticker on a phone case. The item described was a logo infused into the plastic case. I contacted merchant who wanted me to return the item to XXXX for {$35.00}. However, the item was received from Kentucky and only cost {$25.00}. This made no sense. I issued a credit card dispute with Discover and was advised there was nothing they can do. The internet Provider is allowed to XXXX me for false advertisement of merchandise and force me to send it to XXXX to avoid people from pursuing a refund. This is fraud and Discover Card is promoting it and forcing their customers to pay it. This is WRONG!
Company Response:
State: CA
Zip: 905XX
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-10
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Today I received an offer from Discover to lower my interest rate to 0.99 %. When I calculated the terms I discovered that the rate was really 7.99 %. I used the online chat feature to question them about the discrepancy. They refused to acknowledge the discrepancy and instead offered me a rate that was closer to 2.2 %, but continued to insist it was 0.99 %. I asked them to send me all the terms via email so I could review with my advisor and they refused. I told them I would not agree to any plan without having all the terms in writing. At that point they tried to pressure me into signing up for a payment plan because I have had one late payment in the more than 5 years that I have had the card. It was LATE not MISSED. Recently they have been harassing me by phone and email trying to put me on a payment plan because of that single late payment. My complaint concerns the bait and switch interest rate, the refusal to provide me with terms of a financial contract in writing for my review before I agree to it and the harassment by customer service reps for a single late payment.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hello, CFPB. I am writing because I need your help. Back on XX/XX/XXXXI tried to fix this issue with Discover Bank, but they did not do anything to help me. This company is reporting false and erroneous information, they have failed to investigate the item, these are violations under the Fair Credit Reporting Act. This is hugely affecting me emotionally. I am demanding a deletion letter, and the following item from my credit report : Discover Bank Acc # XXXX, Opened Date XX/XX/XXXX, XXXX/Closed Date XX/XX/XXXX, XXXX/Balance {$0.00}. Please send the attached documents to Discover Bank. Thank you.
Company Response:
State: CA
Zip: 92683
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: They cancelled my account based on I did not response to their email .The problem is they sent it to my unsecured personal email account for personal information. I thought is a fishing email so I deleted it. NO FINANCIAL INSTITUTE SEND UNSECURED MESSAGES FOR PERSONAL INFORMATION. I like to found out why they do not send the requests with secure message through my on line account. I have requested the closure letter at least twice, I have not received the letter yet, please have them to send to me the letter as they promised.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: 1.When my card was opened I was not aware of having the card and never used it, therefore Discover open my card fraudulently without my consent which is my privacy violation by Discover. I have never signed any single payment receipt and was not even aware of that account existence. 2. My card was used to pay for the services without my consent. My card was used to dispute payment for service without my consent since per Discover Terms and Conditions Discover will protect poor services. Please view attached Discover Terms and Conditions. 3. In violation with Discover Terms and Conditions Discover did not protect me, never contacted me to verify if I opened the card. 4. Discover placed adverse derogatory write of to my credit report which is fraudulent. 5. I have contacted Discover many times with no avail.
Company Response:
State: WI
Zip: 53217
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My current legal name is XXXX XXXX, and my current occupation is XXXX. I am presently XXXX years old, and my current address of residence is XXXX XXXX XXXX, XXXX XXXX, California XXXX. MY DISCOVER CARD account ending XXXX ( XXXX previous card ). WAS USED IN XXXX WITHOUT MY AUTHORIZATION. THAT WAS A FRAUD. I, XXXX XXXX ( " Affiant '' ), who first being duly sworn according to law, does depose and state : That fraudulent transaction ( s ) ( original or certified copy attached hereto ) was not endorsed, signed, authorized, ratified, either expressly or by implication, by Affiant or with the Affiant 's knowledge or consent. Affiant did not receive or retain any benefit or value from the transaction ( s ), either directly or indirectly.
Company Response:
State: CA
Zip: 95050
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-09
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I SPOKE WITH SOME AT DISCOVER THEY TOLD ME TO WRITE A LETTER AND SEND THEM A COPY OF MY LICENSE.I TOLD THEM THAT I HAVE DISPUTE IT WASNT MIND THEY SUIT ME AND HAD IT TOOK FROM MY PAY CHECK ITS A XXXX BALANCE BUT I NEVER OPENING A ACCOUNT WITH THEM.I ASK FOR PROVE OFF THE ACCOUNT WHO AND HOW IT WAS OPEN WITHOUT MY PERMISSION AND I HAVE A FRAUD ALERT ON MY CREDIT SINCE XX/XX/2017 AND THE ACCOUNT WAS OPEN IN XX/XX/2017 and had two phone number on the account that wasn't my number this is affecting my credit really bad.
Company Response:
State: MS
Zip: 39402
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Date Opened XX/XX/2018 Credit Limit {$200.00} Balance {$500.00} I Did a Dispute with all 3 credit Reporting agencies.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX at XXXX XXXX CST, I received an email from Discover telling me that they closed my credit account. I was confused and concerned. I was a Discover cardholder since XXXX and have never been late on a payment. On XX/XX/XXXX at XXXX XXXX CST, I called the number listed on the email to find out exactly why my account was closed and to try to get the decision reversed based on my length of account and perfect payment history. I spoke to a representative in Utah who told me that they closed my account due to non-use, which was the main factor. The last time I made a payment to pay my card off in full was XX/XX/XXXX, so it hadn't been used in 7 months. I pleaded with the representative and reminded them about my history with the bank and never missing a payment. The representative was apathetic and told me that they can't reverse the decision. I explained that there have been several periods during the last 12 years where I have gone much longer without any card use and never had this happen before. The representative would only say that their non-usage periods change. At the end of the call, the representative said that I could re-apply. This made no sense to me because I already was approved and had the account for 12 years plus it would drop my score for unnecessarily going through the entire process again. I have other credit cards with other companies and I have received notifications in advance about non-use and that I would need to use the card soon to avoid account closure. Discover should have done this, especially if the non-use period keeps changing. Discover has effectively wiped {$15000.00} worth of available credit which will tank my credit score for no good reason. We are in the middle of a pandemic and with the uncertainty of everything going, the last thing you want to do is close the account of a customer who was responsible with their credit and never missed a payment. All I am asking for is that my credit account and line be restored as it shouldn't have been closed. I also want Discover to do the responsible thing and notify customers when they are approaching their arbitrary non-use time limit which would avoid all of this in the first place.
Company Response:
State: FL
Zip: 32533
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-09
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Contacted Discover to pay complete balance on or about XX/XX/2020. Was given a figure of {$1100.00} which I paid through my bank online in 5 minutes. Thought it was done and account would be closed. However, a couple weeks later I get a statement with a positive balance of {$6.00}. Called them and said send me a check and close account. That was 3 months ago. Not only did they not send me a check like they said, I keep getting statements with the + {$6.00} balance. They are 3 months overdue on payment. I would like to charge them {$28.00} a month late fee like they had no problem doing to me. I have all the documentation. What they are doing is just wrong and think everyone is stupid. They kinda acted offended when I said I want to pay of balance and close account. I think they should be punished somewhat..it 's not the {$6.00}, it's the fact they didn't do what they said..could have been so easy. Now, I'm kinda XXXX XXXX. I think punitive damages should be considered. Look forward to hearing from you. I'm no shrinking violet..
Company Response:
State: LA
Zip: 70068
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A