Date Received: 2020-03-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Discover financial services, claim I owe them {$1400.00}, Ive tried to tell XXXX that this account isnt mine and I want them to delete off of my credit report and they have refused to do so
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2020-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-23
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A Discover credit card was opened fraudulently with my information. After repeated disputes via credit bureaus the account still stands with the results " data furnisher verified information ''. However after repeated written and electronic requests sent to Discover personally requesting documentation obtained at time of opening/verifying the accounr, they have ignoredballbrequeats. ( Because I'm sure they do not have any ).
Company Response:
State: SC
Zip: 29045
Submitted Via: Web
Date Sent: 2020-03-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The following information appears on my credit file as a result of identity theft. I believe my ex husband, XXXX XXXX, has been using my identity to fraudulently obtain goods in my name. I have not had these credit cards or loans and I in no way benefitted from any of this money or credit accounts and they must be removed from my credit file as soon as possible as they are causing me harm. The following information is inaccurate and fraudulent and must be removed. Accounts : Discover FIN SVCS LLC Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$4900.00} XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$18000.00} XXXX XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$16000.00} XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$1100.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$12000.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX Date XX/XX/XXXX XXXX/XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX Date : XX/XX/XXXX Please remove this offending information as it is inaccurate and causing myself and my family harm.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-23
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: ( Related to XXXX-XXXX-XXXX # XXXX & FTC XXXX with XXXX & FTC XXXX with XXXX ) On XXXX, Discover approved COMPLAINTANT 'S credit line application that was pre-approved. After that, COMPLAINTANT has put in a separate application for a checking account. SSN, Passport, Driver 's license, and utility bills were all uploaded for each application. However on XXXX, when COMPLAINTANT called Discover, its representatives and COMPLAINTANT had the calls disconnected for 8 times until 9th and 10th calls went through. ( After each time COMPLAINTANT stated his SSN, DOB and address, calls were suddenly disconnected ). Later on there was an error on the application which required COMPLAINTANT to put in another application to successfully generate a check account. On XXXX around XXXX XXXX PST, COMPLAINTANT attempted to setup a XXXX profile within Discover banking website. COMPLAINTANT is a user of XXXX cellular tower in the area via mobile-virtual-network-operator " XXXX XXXX. '' Discover uses SMS number XXXX to send temporary passcode to its users. However, from XXXX to XXXX XXXX, COMPLAINANT has experienced delays in receiving these codes via SMS text or emails. Sudden surge of text messages within 2 second span of time clearly shows that some other factors were preventing these messages/calls from going through. This has been a recurring issue and COMPLAINANT has corresponded with " XXXX XXXX '' around XXXX and its representative has indicated that there's no widespread issues with XXXX cell-tower affecting other users in COMPLAINTANT 's area nor in general. " XXXX XXXX '' indicates that this is possibly due to usage of " femtocell '' or cellular network / IMSI catcher/ etc in COMPLAINT 's neighborhood area as no issue is reported with XXXX network nor " XXXX XXXX '' customers in general. On a different note, COMPLAINTANT has reached out to Discover on XXXX at XXXX XXXX for XXXX XXXX/XXXX issue. Its debit card remains on XXXX XXXX XXXX/XXXX system yet credit card was not being added to XXXX XXXX system. Discover representative has blamed XXXX for refusing to allow its card on its system. COMPLAINTANT wonders how many of Discover or XXXX XXXX customers have their credit cards not be added on XXXX XXXX system. On XXXX XXXX, COMPLAINTANT has emailed Discover per its request for investigating this issue further.
Company Response:
State: CA
Zip: 95035
Submitted Via: Web
Date Sent: 2020-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-23
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I found out I am an identity theft victim by three major credit agencies on XXXX! I try to deal with the banker to explained that someone opened up several account in different bank without my permission. My credit score dropped very behind because someone elses illegal behavior
Company Response:
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2020-03-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I'm in the process of buying a home and Discover closed my credit card account for inactivity. No warning, NOTHING! I last used the card in XX/XX/XXXX. It has been less than a year and they just up and close the account. I get an email on XX/XX/XXXX at XXXX XXXX EST ( how ironic that I would receive the email the same day I received my appraisal ) advising that my account would be closed for inactivity. Other credit card companies send prior notification. Maybe Discover should follow the same practices. I have never been late on a payment. Now my chances of becoming a homeowner may have been ruined due to Discover 's lack of communication. This is not right at all.
Company Response:
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2020-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-23
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Discover disabled the messaging system on Discover 's website, as well as the call center system. Whenever I attempted using phone relay for XXXX people to call XXXX, the phone system simply hangs up each time we try a call. Discover also disabled the chat messaging option to prevent me and numerous other people from receiving hardship relief due to COVID 19. Due to the COVID 19, I was laid off from my job. I am awaiting unemployment insurance processing. Can you please reduce my monthly payment or offer me a program or disaster relief? Thank you.
Company Response:
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2020-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-23
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: My Discover Card debt was dismissed without prejudice in Superior Court of California , County of XXXX XXXX on XX/XX/2019, case # XXXX and should therefore be erased from my credit report. I have complained to both Discover and XXXX, have filed investigations with XXXX, file number XXXX, sent copies of court documents showing the debt was dismissed, yet the debt is still being reported as a currently owed bad debt on my credit report.
Company Response:
State: CA
Zip: 95128
Submitted Via: Web
Date Sent: 2020-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-23
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have previsouly filed this complaint, but the company has failed to address my concerns. I deposited a check into the Discover Bank on XX/XX/2018 for XXXX. On XX/XX/2018 the funds were withdrawn from my account. The reason I was given was that I had deposited the same check at XXXX XXXX XXXX on XX/XX/2018. I checked at XXXX XXXX and they have no record of it being deposited. When I told them that I did not even use XXXX XXXX, but banked at XXXX XXXX, Discover told me to check my other account at XXXX XXXX. I did. No records of a deposit. I have asked them 4 times for a copy of the notice they claim to have received about this matter on XX/XX/2018 so that I can research it further. THEY REPEATEDLY FAIL TO PROVIDE ME WITH THE DOCUMENTATION THAT THEY USED TO TAKE MY MONEY. I have written to the CEO of Discover as well as several people at the " Executive Office of Consumer Advocacy ''. I am just looking for Discover to provide the documentation which they claimed to have received. To date my money has been missing and the last place it was seen was Discover. From my point of view, Discover has stolen my money, unless they can show me who told them that the money was deposited elsewhere, so that I can pursue that lead. My next step is the Attorney General 's office if I can not get a simple piece of paper from Discover. I think they are covering their tracks.
Company Response:
State: NY
Zip: 121XX
Submitted Via: Web
Date Sent: 2020-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In the midst of this COVID-19 outbreak. Discover Card/Discover Bank has conveniently decided to increase its late payment fee to {$40.00} dollars. Discover has done this knowing fully well that many persons will not be in a position to make there payments on time due to the economic effects of the COVID virus on them. Discover has done this to benefit itself. XXXX its customers to enrich itself in this time of social and economic peril.
Company Response:
State: NJ
Zip: 07017
Submitted Via: Web
Date Sent: 2020-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A