Date Received: 2020-03-10
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, I received an email from XXXX titled 'ACTION REQUESTED : Please eSign the required IRS Form 4506-T '. I also received an email from Discover that asked me to give Discover a call. I called Discover and asked them what was happening and I was told that they just wanted to verify me. I thought it was very strange since my longest Discover card is over 10 years old so at first I thought this was some sort of Phishing attempt. After confirming it was Discover I signed the form they requested. They informed me that this is usually resolved within a week and then I could access my accounts again. I explained what an inconvience this was including the fact that I had mutliple charges that I was expecting to my credit card. They said that in flight charges should be approved. Next, on XXXX I received another email from Discover that stated " Dear XXXX XXXX, We need to talk to you right away about your Discover card account. Please take a moment to phone us at XXXX. '' I called Discover immediately on XXXX and was told that all they needed was to check that I completed the form request which I confirmed and apologized to me and said it should just take a few more days. On XX/XX/XXXX, I received an email from Discover stating " Dear XXXX XXXX XXXX, We are writing to notify you that we have closed your Discover it card account effective immediately. We regularly conduct reviews to evaluate our customers ' accounts, and during a review, we were unable to verify personal information on your account. We evaluated your account and under the terms of your Cardmember Agreement, a business decision was made to close your account. Our credit decision was based in whole on the information found on your account. Any Cashback Bonus or Miles rewards balance will be applied as a credit to your account, or, if the account has a XXXX balance at the time of closure, a check will be issued. If your account has a credit balance, you may request a refund check, or one will be sent automatically after four months of the credit balance being on your account. We will report to the credit bureaus that the account was Closed by Grantor. Questions on how this may impact your credit score can be addressed by contacting the credit bureaus directly. '' I called immediately on XX/XX/XXXX around XXXX XXXX ET. I spoke with XXXX from Customer Protection and then I was connected with supervisor XXXX. I explained that I had my longest Discover account for over 10 years and I can't understand why Discover is now saying " we were unable to verify personal information. '' This is very very concering beyond just the fact that Discover has closed all of my credit cards beyond just the impact of the closure. I was never contacted beyond this signed form. I asked for details as to what the root cause was for the closure. They said they did not have it. I asked whether there was something with the IRS that was wrong. They couldn't tell me. I told them how concerning this is that no one can tell me anything. Its very surprissing that Discover never did something similar such as ID verification or something else that could have quickly cleared this up. I have significant concerns about my personal information as a result of this.
Company Response:
State: KY
Zip: 41015
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Discover # XXXX is reporting an account to my credit that should not be on there. I was an authorized user for this account but I was removed from it and it should not be reporting to my credit report any longer.
Company Response:
State: UT
Zip: 84065
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX Discover closed my account, and on XX/XX/XXXX sent me a cancellation of debt ( 1099C ) in which has been filed with my Federal Taxes. According to my three major credit reporting agencies, Discover is continuing to show a past due balance, as well as marking my account as negative on a monthly basis. I have disputed the information being reported several time, and in all occasions, they state the information is correct. I wish to have my credit reports showing the balances and no longer show negative on a monthly basis.
Company Response:
State: TN
Zip: 37160
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: While the cousin of my husband was staying at our residence, he accessed my personal information and opened, and maxed out, a Discover credit card. Since he was staying with us he was able to intercept our mail in which the Discover card came and also ordered products to our address. He, at times, used our checking account to pay for this fraudulent account as we had no knowledge of what was going on. My husband and I have been trying to work with Discover for over 9 months and have been getting the run around. They claim they been trying to contact me but explained to them that I cant speak during school/work hours and gave them permission to speak to my husband. When I do return calls they claim they are " working on it '' and no new information is available then I receive letter stating that the " investigation '' is complete. We haven't seen the cousin in about a year and a filed a police report along with a FTC report and all proper documentation has been mailed to discover along with the 3 credit bureaus but Discover keeps changing the account number so the bureaus can not recognize the fraud account.
Company Response:
State: MA
Zip: 01609
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I applied for a Discover card 7 days from XX/XX/20. I recieved the card and then a call from Discover asking to fill out a ACTION REQUESTED : Please eSign the required IRS Form 4506-T. This was requested to XXXX. I am not a scholar in government, however how is it possible that a consumer retail bank can get assistance to verify income for comsumer products from the government. This is not a loan fund by any government program. I would think that any consumer products should be confirm with vendors outside the government and what fees and kick backs does the IRS get for verifying this information and how much of my information is shared with both parties. I believe this has to violate some law. Please advise.
Company Response:
State: MO
Zip: 63135
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX IS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE ME. THE ACCOUNT WAS OPENED AND MAINTAINED WITHOUT MY CONSENT, NOW I AM REQUESTING XXXX TO REMOVE THE FRAUDULENT DISCOVER ACCOUNT FROM MY CREDIT REPORT. I HAVE CONTACTED THE FEDERAL TRADE COMMISSION AGENCY AND THEY SAID BY CIVIL CODE FCRA 605 ( 10 U.S.C. & 1681c-2 ) THEY NEED TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE CONTACTED THE CREDITOR WHICH IS DISCOVER AND I HAVE SUBMITTED MY IDENTITY THEFT REPORT O THEM AS WELL.
Company Response:
State: NV
Zip: 89117
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OBTAINED AND MAINTAINED A CREDIT CARD WITHOUT MY CONSENT. I HAVE NEVER AUTHORIZE FOR THE DISCOVER CARD TO BE OPENED AND MAINTAINED. THIS ACCOUNT IS NOW CLOSED, I NEED THIS ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. THIS ACCOUNT IS CLOSED, WITH XXXX BALANCE I NEED THIS ACCOUNT TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT.
Company Response:
State: NV
Zip: 89117
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-09
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: My credit card was stolen by an unauthorized user on XX/XX/2019. The fraudulent charges added up to XXXX dollars. I claimed my card stolen with discover. I sent in information in XXXX and never got in contact with discover. On XX/XX/2019 I asked again to have them reopen the case, they still said my charges were fraudulent. They spoke with an officer on my case that I filed with the state for stolen property and identity theft. The officer told them he spoke to the person who I thought stole my card and that the person admitted to stealing it. discover still held me accountable. They officially closed my case on XX/XX/19 as being not fraudulent. I still owe XXXX $ to this company from late/interest fees from fraudulent charges on my account. Ive reopened this case four times, Ive spent countless hours building my own investigation on this case because discover wouldnt help me. Ive spent over 10 hours on the phone with discover. They had me talk to around 8 different people each time. Having me wait on hold for 30 minutes at a time. To all tell me I am responsible for changes I didnt make. They were rude to me each time I was on the phone and kept information from me on the case multiple times. The person who stole my credit card is being carded with a Misdemeanor A. By the state of Wisconsin for stealing my credit card with discover, yet discover still holds me accountable. They used the words removing themselves from the situation because they dont feel its their responsibility I trusted this credit card company at first. They ruined my life, left me broke making payments on fraudulent charges, harassed me, and ruined all trust with credit card companies.
Company Response:
State: WI
Zip: 53703
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-09
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: Company has never furnished me any findings of their so called investigations that have been going on supposedly since XXXX, XXXX ; all received has been " closed. Valid '' Nothing is valid about my credit card statements, and can not possibly be valid : There were 28 plus unauthorized charges on my account ; these unauthorized charges went on for 1 1/2 years, XXXX, XXXX through XX/XX/XXXX. The guilty party, being a Law Firm in XXXX XXXX, Fla. got away with the 28 plus unauthorized charges that amounted to over {$47000.00} plus because it was a Merchant of the Company, and because it was a Law Firm. Therefore, my Bookkeeper, who checked the credit card statements, believing they were legitimate charges, did not file a dispute, nor check with me. I never handled my charge card statements. They were all paid by automatic payment, and my bookkeeper checked and posted the statements : She posted these unauthorized charges as " Legal Exp. '' When I found these unauthorized charges I filed immediately a dispute with the proper office as instructed. I never received an acknowledgment or report of any kind in 30 days ; nor did I receive any kind of report of findings after the 60 days. Nor have I received any findings as of this date. But, I know why now : There was never an investigation done ; only a judgment of my dispute : This was admitted to by One who was supposed to be investigating the matter : I was told that Discover does not investigate their own records, nor will they investigate what I send in. They may close the case without viewing my evidence, even if I refer to it in a letter. And unless you send in " new evidence '' they may not open a closed dispute. I have requested the Company to investigate their records to see who the Company paid my money to. We have the name of who made the unauthorized charges ; but I requested they verify to make sure someone had not stolen their identity. I also requested some missing Credit Card Statements. They refused but after probably about 10 to 12 requests they sent some statements, but not the requested statements. I asked if they did not have the statements, either to reprint them or just send me a list of all the unauthorized charges by the Law Firm. So far, since XX/XX/XXXX, have not received. I believe there are more unauthorized charges than the 28, which is why I state 28 plus. I never retained the guilty party, and had no dealings with the Law Firm except I loaned ( paid directly to the Law Firm with my Credit Card, ) the Retainer Fee to others. That is how the guilty Law Firm got my credit card information.
Company Response:
State: KY
Zip: 408XX
Submitted Via: Web
Date Sent: 2020-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have been a great customer with Discover for years always paying on time. I was threatened in signing a document to obtain all my tax records with a third party affiliate of XXXX to do this if I refused they would close my account a report it as fraud. They did that and reported it with my other creditors. Im an XXXX XXXX and cant get stressed this caused me to have to go to the hospital. I checked my credit report today and my credit has gone down 152 points. This is causing a great deal of stress and fear that I may have a XXXX XXXX. They have ruined my credit. Discovers corporate will not contact me back.
Company Response:
State: MD
Zip: 21804
Submitted Via: Web
Date Sent: 2020-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A