Date Received: 2020-04-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Upon receipt of my XXXX Credit report, I discovered a Fraudulent account that was open at Discover Bank ( acct # XXXX XXXX without my knowledge or authorization. This Account was opened as a result of identity theft. Ive subsequently filed a local police report and Federal trade Commission complaint regarding this matter. Ive properly notified Representatives at Discover Bank of this matter and have opened a Dispute requesting that they immediately close this Fraudulent account and to STOP the reporting of this INACCURATE, FRAUDULENT INFORMATION on my XXXX Credit Report.
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2020-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-08
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: On XX/XX/2018 I noticed that my credit card had some unauthorized charges while I was out of the country. I contacted them to resolve this and they closed my account permanently without a notice and without doing any investigation on the unauthorized charges they also removed the automatic payment from my account now this account is stoping me on getting a mortgage for my family. Its Unfair that somebody used my card and Now I cant buy a house for family because this account is reporting negatively on my credit report.
Company Response:
State: NJ
Zip: 07013
Submitted Via: Web
Date Sent: 2020-04-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-08
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: Signed up for a 7 day trial for a fitness program called XXXX XXXX on XX/XX/XXXX around XXXX. I did not get training or coaching like advertised, and i did not get access to the training programs and login credentials until XXXX that same night. On XX/XX/XXXX my card was charged {$150.00} for a subscription to the fitness program around and i requested to cancel around XXXX and be refunded. The company refused and discover refused to favor in my side during the dispute. They chose to side with the merchant and not dispute the {$150.00} i was charged during a trial period that i was charged before the 7 day trial ended. I was 6 minutes late? Or really i should have been able to cancel until XXXX without penalty since i did not get access until then.
Company Response:
State: NC
Zip: 27703
Submitted Via: Web
Date Sent: 2020-04-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/2020 - My Mother-in-Law was hospitalized in XXXX with a rather life threatening condition. The private hospital where we sent her asked for a credit card before they would release her. My wife gave out her Discover card number only as a pre-authorization. The hospital initially said that they would not even take the card as it was not a card recognized in XXXX. Upon releasing my wife from the hospital we arranged payment for the bill by alternate means. We had money wired directly from another bank. I immediately called Discover customer service to have the hold on our account released. The amount was showing up as a pending charge for around {$7600.00}. The first agent was very unhelpful and routed it as fraud, not explaining the situation correctly. This revealed a lack of training. I had the card cancelled not knowing that since a hold had already been placed for {$7600.00}, it would not matter. This will put us through an inconvenience as we had several accounts set to auto-pay with that card. Then after several more escalations to different agents and management, I was told that they could do nothing for me and I would just have to wait to see if the hospital did not reverse the charge. And they would not let me start a billing dispute either. Finally the last person I spoke with ( a manager named XXXX ) refused to even give me a email where I could reach them with further documentation that the bill had already been paid. This person used dishonest tactics to just try and get rid of me. I explained multiple times to multiple people that we had arranged payment for the hospital bill by alternate means but as of today XX/XX/2020 the pending charge for around {$7600.00} is still on my card. Discover financial also seems to have very poor customer service technology as several calls had to be dropped due to poor quality, leading to me having to call back multiple times.
Company Response:
State: GA
Zip: 30062
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Discover is reporting a debt on my credit that I no longer owe. This debt is past the statute of limitation in California. And not only is it past the statute it's really old and past the credit reporting limit. I am requesting this account to be removed off of my credit file.
Company Response:
State: CA
Zip: 95818
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Discover Card is waiting on an irs report, which is fine. However, they have locked me out of my account online from payment or seeing statements. I dont need to use the card just pay the bill. They have no allowed that to happen. They didnt when they locked me out put me on a paper bill. I stopped AutoPay because I cant see whats going on! I dont care about using the card just paying it.
Company Response:
State: OK
Zip: 73505
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened my account with Discover Bank about a month ago. On XX/XX/XXXX, I deposited a Check I got for about {$7000.00}. On XX/XX/XXXX, those funds were reflected in my available balance. I Made a purchase at XXXX for {$80.00} and another one with XXXX XXXX XXXX for {$25.00}. In the evening of XXXX, I got an email from Discover Bank that there might have been a fraud at my bank so I should call them. Once I called them, they asked me to provide my identification, which I did. I uploaded my passport and Social Security Card to their secure upload, since I wasn't able to log in my online banking. Once they verified the information with me, they said the account had been closed. I said I hadn't closed the bank and I had made those two purchases. They refused to help me out and give me an answer. They said it was a business decision and didn't give me any information even after being on the phone with them for 2+ hours on the evening of XX/XX/XXXX. Now they said they will send me a check in 60 days, but I have no Money to buy groceries or essentials in this time of a Global Pandemic. I will go back to my country of origin- XXXX but they said they won't send the check there and just straight up refused to help me out.
Company Response:
State: IL
Zip: 61761
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My Discover account of 11 years was closed for inactivity without my knowledge or warning after sending me an updated card with a new expiration date on it. I called to explain my account has been long term and in good standing and was used less than a year ago. I spoke with XXXX in XXXX, XXXX in XXXX, XXXX, and XXXX and XXXX in XXXX. They all provided me with different reasons for which my account has been closed and none of them offered a solution to playing a part in wrongly negatively affecting my credit score by closing a long standing account with such a prominent availability, not even an apology or empathy for my situation. I wonder if this is legal for them to do to their customers and how closing an account without consumers knowledge serves as a promoted policy. I truly hope this company does not use discrimination to make these decisions. I am disgusted with Discover 'S actions as well as customer service or lack there of.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2020-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
Company Response:
State: NJ
Zip: 07621
Submitted Via: Web
Date Sent: 2020-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Hello, I am writing to file a complaint against Discover credit card company. I have been a Discover card member holder since at least XXXX, XXXX. My account has always been in good standing with Discover over the years. Just recently, on XX/XX/XXXX, I made a payment of {$8000.00} on my account. In recent weeks, my family and I have been negatively impacted by COVID-19 like all Americans have. During this time of uncertainty, it was peace of mind knowing that we had some available credit for emergencies ( grocery, doctor visits etc. ). Suddenly, Discover decided to run a check resulting in my credit line being lowered significantly from {$11000.00} to {$7900.00}. This leaves me with {$200.00} available credit and this has also negatively impacted my credit score and reports across the board. It is so unprofessional to be taking this kind of action during this crisis. XXXX, my credit score may have taken a short-term 'hit ' due to the circumstances we are currently in, but just like everything else, it will bounce back once we recover. In the meantime, I ask at the very LEAST to not lower my available credit leaving my family with hardly any safety net. It is a scary and shocking action that was taken. I spent 30 minutes on the phone with a Discover CS agent on Monday, XX/XX/XXXX. She was unable to revert the change and sited a contractual agreement. I am certain that my 'contractual agreement ' does not include a worldwide crisis and how customers should be treated during this time. Thank you for your time, Concerned customer
Company Response:
State: NY
Zip: 11050
Submitted Via: Web
Date Sent: 2020-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A