Date Received: 2020-03-28
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I am being subjected to an exorbitant APR of over 24 %! I make my payments on time every month even on auto pay! The national average is an APR of roughly 16 % but yet I am being assessed a higher APR because I am considered low income and a minority! I sent a letter pleading with this company to please lower my APR and they never even responded! Apparently I am not even worthy of a response! Now because of the Corona virus, my income has dropped substantially and I am getting nowhere paying this much interest when a {$140.00} of my {$180.00} payment goes to interest!
Company Response:
State: SD
Zip: 577XX
Submitted Via: Web
Date Sent: 2020-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Company check my credit without my consent which put hard inquiries on my credit I would like to get them removed it was improper use of my credit XXXX, XX/XX/2019 XXXX XXXX XXXX, XX/XX/2019 2019
Company Response:
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2020-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XXXX XXXX-XXXX there were charges that took place on the account that I did not authorize. I didn't authorize, I wasn't present for, I don't know who it was, didn't authorize anyone else, nor did i benefit from any of those. This information was informed to the company once I noticed the charges. There was also no notifications sent while the charges were made sent to my phone nor email that I could have validated stating I was making the charges. I informed the company of that information as well. I also had a traumatic event that was going on at that time as well that was relayed to them. I didn't have the card in my possession. There is nothing that can be proven nor show I did because I absolutely didn't. If film is pulled, signatures from the merchants, etc will 100 % support and verify that. Also have people that can account for location and where I was at when it shows those charges occurred. Also discover states : All Discover Cardmembers are protected with our {$0.00} Fraud Liability Guarantee, which means you're never responsible for unauthorized purchases on your Discover card. They asked me if I could do a police report and informed them that I don't live there and that drive would be an inconvenience for me because of taking care of my sick mother and also my XXXX year old daughter who I have custody of and am responsible for all her care and cost. Also that wouldn't feel comfortable with all that is going on doing that because I had been following things for months now. They informed me that everything would be ok and that charges are credited and wouldn't be responsible for charges and that I was 100 % covered. I went on with my day to day. Later I requested to cancel the card because the card didn't benefit me, there were no perks, always and issue with security measures and seems lack severely with defense. I stated that would like it canceled. I paid the balance I had on account and the account was closed. The account was closed on XXXX XXXX 2020. I recently received a letter stating that upon reviewing facts of case that was determined bo fraud occurred. That is so erroneous and completely inaccurate. I have FACTS behind me supporting I didn't use. I do not owe this balance and will not be paying. I also will contact an attorney if necessary and do all that will be needed. I think this is a retaliation tactic because I closed the account. I will contact media, XXXX, attorney 's, and any other source I need to so that this story can get out there and make this known and very public if this isn't corrected as soon as possible. There should be no balance and the account should be closed in good standing with no balance. I won't let them get over on me now or again.
Company Response:
State: AL
Zip: 35749
Submitted Via: Web
Date Sent: 2020-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: So I made a credit card payment of {$200.00} which posted to my account on XX/XX/XXXX. The running balance showed {$1500.00} after that {$200.00} payment. See attached photo. Fast forward to around XX/XX/XXXX or so I went to make my payment for XXXX. This is when I noticed the discrepancy. My running balance was still showing {$1500.00} yet my statement balance showed {$1700.00}. I contacted customer support and through multiple conversations with different representatives, supervisors, ect none of them where able to explain the discrepancy. I sent in the screenshot of what I was talking about and then I received an email on the XXXX of XXXX stating that per my request the dispute had been resolved and dropped. I then reached out again to customer service and informed them that I didn't resolve my dispute nor had I said anything along the lines of wanting to drop my dispute. When I inquired about me dropping the dispute and how that all came about I received a sympathetic message from a representative through the text message portal that let 's you speak with live agents. However, despite the sympathetic text the agent still couldn't answer my questions. They never did answer or were able to answer my initial question of why there was a {$200.00} discrepancy. I recieved one answer saying that the difference between the two was because they had issued me a temporary credit of {$200.00} and that is where the {$200.00} discrepancy came from. I pointed out that the running balance I was referring to was screenshoted on XX/XX/XXXX and that it showed {$1500.00} yet my statement balance showed {$1700.00} and this was all screenshoted before I even initiated a dispute. I then went on to have several other conversations with different representatives and one thing was always consistent. They were never able to answer my question and explain how or why I had two different balances showing which has been extremely frustrating and I now am starting to think I'm getting screwed out of {$200.00}. I've attached a screenshot from XX/XX/XXXX showing the balance in question as it shows {$1500.00}. I then have a screenshot from today XX/XX/XXXX showing my running balance after a payment of {$200.00} posted yesterday. I also included emails concerning when I initiated the dispute and an email telling me of my case being dropped when I had never asked for it too be
Company Response:
State: CO
Zip: 80209
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In early XXXX, I was railroaded by an identity theft attack that has resulted in the destruction of my credit file. I first noticed a problem when I was denied for credit and when my credit card was cancelled. Shortly after I began receiving notices from debt collectors. My first attempt to address the matter was to hire a company known as a credit repair service. Months went by and little was done to improve my situation. I began researching how to recover from identity theft which is when I filled out my FTC identity theft report. My FTC report number is XXXX. I printed out all the letters, reports, disclosures, proof of identity and followed every instruction. I mailed out letters to every debt collector, original creditor and all 3 credit bureaus reporting the identity theft to them. My second attempt was to file a police report with XXXX County Sheriff 's Office. My police report case number is XXXX. The results were that most creditors complied with my requests and removed the fraudulent accounts from my report. The credit bureau 's also blocked several accounts such as XXXX XXXX XXXX XXXX and Discover Financial. Over the course of these past 2 years, these accounts have popped up on my credit file multiple times which results in me spending more time printing and organizing letters, postage costs, trips to the post office, etc. They've also reported multiple account numbers at times, multiple entries and sometimes no account numbers at all. After 2 years of this nightmare, I am ready to have peace restored in my life. I recently went for a HELOC loan from XXXX XXXX and was denied because on my XXXX, XXXX XXXX is reporting an account. The underwriter understood my situation but was unable to approve me due to this fraudulent and delinquent account reporting. Discover Financial account number XXXX is reporting on my XXXX credit file. This account was opened in XX/XX/XXXX. They are claiming the balance due as {$21000.00}. No matter how many times I have mailed Discover Financial asking for all documents regarding the account, all receipts, all statements and removal of the account they have ignored me and refused to comply. They sent me 1 packet that had 1 page cover sheet showing a statement balance. That is all I ever received from them. At this point they are interfering and violating my rights under the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX is reporting 2 accounts for me, Account numbers XXXX and XXXX according to what is reported with XXXX These accounts were opened in XXXX and XXXX of XXXX. They are claiming my balances as {$27000.00} and {$30000.00}. They are also reporting 1 of these accounts with XXXX I have never had any account with XXXX XXXX XXXX XXXX and I have never been in the military. I have mailed XXXX XXXX over a dozen times in the past 2 years asking for documentation, receipts, statements and to remove these accounts and they have refused to comply. I have never even received a response. At this point they are interfering and violating my rights under the Fair Credit Reporting Act.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
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: A contracting company XXXX XXXX XXXX XXXX XXXX ( XXXXused going forward ) did work. They did not finish and I had already paid on XXXX, XXXX XXXX I suspended the payment that I made with Discover card to XXXX. XX/XX/XXXX, after repeated calls to XXXX and not getting the phone answered or called back and reading online that XXXX does not complete work and does not call back. I paid someone else to have part of what XXXX did not complete done because it was an electrical safety issue and fear of fire. XXXX did come and do more stated to be done work and insisted to be paid with a cashiers check. I called Discover and asked about giving a cashiers check, I was told to have XXXX write on XXXX letterhead accepting check instead of Discover card payment by XXXX XXXX. ( a discover employee ) I did what Discover told me to do and they charged me and paid XXXX again. Discover said they received a statement from XXXX and because of the statement from XXXX Discover paid XXXX. I called XXXX and talked to XXXX. He stated he did not get paid by Discover and that the company he uses XXXX or Discover must have the money. XX/XX/XXXX. There have been multiple phone calls to Discover and XXXX. I also sent messages to XXXX. I am being charged and XXXX was paid with the requested check. Discover stated that because of statements from XXXX I do not have enough proof to show XXXX was paid for the XXXX transaction. This is just a summary I have multiple dates and conversations too many to put here. Discover Financial Services XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Oh XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX
Company Response:
State: OH
Zip: 44870
Submitted Via: Web
Date Sent: 2020-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
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: XXXX of 2019 I opened a credit account with DISCOVER Financial services ( Discover Card ). From XXXX of 2019 thru XXXX I never received any account information ( statements ) from Discover about my credit card use, balance, payments due, etc. Finally, I find out after months that they have turned me into the three Credit scoring agencies, XXXX, XXXX and XXXX, as a delinquent account ruining my XXXX point credit score. We contacted Discover Card Services to ask why we were reported to a credit agency when for 5 months we never once received any kind of statement on our card use. We have multiple other accounts and receive statements monthly. DISCOVER stated we opted for a paperless account where we receive no statements. I advised them we did not knowingly do any such thing as all our other accounts we receive statements for and have an OUTSTANDING PAYMENT HISTORY with all our accounts which was why our score was as high as XXXX with all three credit reporting agencies. We offered to pay off the balance at the time to show good faith and to repair the damage they had done to our credit score. DISCOVER Credit Card could careless and did not even attempt to understand our situation and that we would not knowingly ruin our own credit over a {$500.00} balance. Had we received any notifications for payment, they would have been made. Our credit history with XXXX, XXXX and XXXX show all our accounts as stellar on PAYMENT HISTORY. However, DISCOVER WOULD NOT BUDGE nor admit possibly an error was made on their part. There was no consideration whatsoever. I have a other relationships with XXXX, XXXX and others, where I have credit lines of {$20000.00} and higher and have never once been late or had a bad credit report. DISCOVER FINANCIAL SERVICES is not consumer friendly and could careless about who's credit they ruin. I had to speak with a {$14.00} an hour customer service representative and could never get past the front line staff to speak with a manager or someone else who could assist me with my situation. This action on behalf of DISCOVER has ruined my longstanding credit history and is affecting my ability to get low interest loans and many other advantages of a great credit score, which I had for years, before dealing with their unfair practices and unwillingness to help me resolve a glitch in their billing process. I need help or direction on whom I can go to in order to get this black eye exponged from my credit history. DISCOVER CARD needs some lessons in customer service. I work with customers every day and oversee a very large service organization. I would never loose a customer this way if I could help them with a fair and equitable resolution to an oversight in our billilng practices or business processes. If there was a way to RUIN DISCOVERS financial standing in the marketplace I would do so. It is completely wrong that a business can do this to a consumer with no effort to consider perhaps their practices or ways of conducting business many have caused the issue to begin with. How could I have been enjoying a XXXX point credit score with all the other major credit card companies for so long and they not even consider perhaps they made a mistake on our billings? I need some help or direction on who I can go to in order to get DISCOVERS black mark on my credit history removed.
Company Response:
State: AZ
Zip: 853XX
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
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: In XX/XX/2020 Ive made a several purchases on XXXX with my Discover *XXXX card. All of the purchased items have been successfully delivered to my business and home addressees in XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, respectively. Unfortunately, some of the items looked and performed not as it was described in the original listing. Therefore, Ive requested a return and a refund within XXXX XXXX 30 Days return, most of the returns have been honored as it reflects on my account. However, listed below items, havent been reimbursed : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$570.00} 2 ) XXXX XXXX XXXX XXXX - {$160.00} 3 ) XXXX XXXX XXXX & XXXX XXXX XXXX XXXX - {$250.00} 4 ) XXXX XXXX XXXX XXXX - {$160.00} Ive filed a dispute on Discover website and attached as a supporting document ( for your convenience, Ive attached a copies of these again ) copy of return shipping label issued and approved by XXXX, as the reference for this return as well as XXXX is listed below. Ive thoroughly reviewed documents, provided in merchants rebutting and would like to point your attention to the facts in these papers, such as. In each .pdf XXXX shows that the return tracking numbers are matching the return tracking numbers attached by me and shows successful return of packages FROM NEW YORK STATE ( where Im located ) TO KENTUCKY STATE ( where XXXX facilities are located ). In all of these pdfs you can see phrase return requested true altogether with a tracking description matching previously attached by me documents. Additionally, merchant attached copies of the original tracking information in the bottom of the rebutting documents, proving my address in New York and confirming the fact of the original deliveries, which Im not rebutting.
Company Response:
State: NY
Zip: 10032
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have been with Discover for 26 years. My rate is a variable rate according to all statements but the rate has never adjusted. It has been 29.99 % for years and everytime I call or message them they inform me they can '' t lower it. I have received not explanation other than that. Over the years the Fed has raised and lowered rates but there is never an adjustment to my rate which I believe is unfair considering I haven't been late in over a decade. I just want fair treatment like my other variable rate cards and a proper explanation as to why my rate never adjusts considering the currently rate to them from Fed is 0 %.
Company Response:
State: GA
Zip: 30041
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: A fraudulent account from Discover Card is reporting on my credit. I did not open this account nor did I live in the State of California in the year 2018. I live in the State of Louisiana. My address at the time this account was open was : XXXX XXXX XXXX XXXX XXXX, XXXX LA XXXX. Ive contacted both the creditor and credit bureaus providing ; FTC report and police report. Both creditor and bureaus are refusing to update and remove this fraudulent account from my credit report.
Company Response:
State: CA
Zip: 933XX
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A