Date Received: 2020-03-02
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: I had my Discover credit card stolen during holiday season. The first charges beginning on XXXX XXXX of XXXX. During a 2 week span over 3,000 dollars was taken off of the card. Once I received notification that some charges were suspicious, I went online ( after having to reset my password because I could not login ) and froze my card and reported it lost/stolen. I was unde the assumption that once I report the card loss/stolen the company would reach out to me. After a couple of days of not hearing from them, I chatted with customer service which told me I needed to call fraud protection. I called and reported what happened and later agreed to signing a form to consent to investigation and to contact the police. I signed the form sent it in. I spoke with the police they said that due to the holidays and the crowds it would be difficult to track down the exact person and it would take time. Fast forward to XX/XX/XXXX I received a letter saying there wasnt any fraudulent activity. I spoke with a lady on the investigation team is saying it has to b someone close to me and is pushing me to press charges even after I told her there is no one that admitted to doing anything. She is saying that that is the only way that I would avoid having to pay the card back. Theyre not wanting understand my case because of the amount. I dont know who did this to me and I may never know but I dont want to be held responsible for something I did not do! Please help!
Company Response:
State: SC
Zip: 29803
Submitted Via: Web
Date Sent: 2020-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-02
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: This past Friday evening ( XX/XX/2020 ) I received a notification that I needed to contact the Discover fraud line and my account had been locked. Upon doing so I was on hold for quite some time while the individual I was speaking with reviewed my account. Eventually, he sent me to their tech support to have me upload both sides of my driver 's license as verification. Once that was complete I was forwarded to a third individual who eventually informed me that all of my accounts were closed for " business reasons '' and that I should have a check within 60 days with my remaining balances. My wife then called later to attempt to get further information as well as to inquire about our Discover credit card still being active in hopes of figuring out why we were being punished. Shortly thereafter our charge card ( which we had just paid off ) had also been closed. The closest thing to fraud we had done was to set up multiple savings and money market accounts in order to try an automated budgeting system we had heard about. The accounts had been opened earlier in the week and I went through and funded them upon receiving our income tax refund the previous day ( XX/XX/2020 ). We had also run one of our savings accounts, that had been open for over a year, up to the maximum of 6 transactions - but this wasn't entirely on us. 2 of those transactions were executed by someone at the bank troubleshooting an issue we were having trying to transfer {$450.00} from that account into our checking account. They executed a {$1.00} transfer and a {$100.00} transfer - both of which counted against us and neither of which were helpful. We received zero notice and were depending on those funds to finally get our financial heads above water - this risks us being in a worse situation, financially as well as on our credit report/score, has put a lot of stress on my wife, and we are scrambling to find a way to pay our childcare expenses, buy groceries, and get to work.
Company Response:
State: FL
Zip: 32926
Submitted Via: Web
Date Sent: 2020-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: About a month ago, I was approved for a discovered card. I received the card, as the already approved me, and used it. Within 3 days, I wanted to finish setting up my online account but fond an error message to call some 855 number. I also received an email stating that discover needed to verify my XXXX idententy, or something like that. I miss managed the form and immediately called to have it re-sent to me, she said it would take a few days to update my account. I IMMEDIATELY filled this 'previous ' IRS address. I filled it and sent it. This morning, I received an email that my account was closed! I contacted the chat link, but all I got was 'you will get a letter in the mail '. I asked the chat person if DIscover needed a DNA sample, or what? 1. DISCOVER ACCUSED ME OF STEALING MY OWN IDENTITY! This is humiliating. And they do not know that as a XXXX VETERAN with XXXX, the simple act of 'calling ' IS NOT something I do, yet I did, as a responsible costumer. DO THEY WANT MY MEDICAL RECORDS? I can prove my XXXX! I provided all my information to the best of my knowledge in full honesty. I am me! 2. I wasnt even given a chance to make payment before DISCOVER CARD affected my credit reports! Now I have a suddenly, closed account that dropped my score. DISCOVER CAUSED ME CREDIT HARM!!
Company Response:
State: WA
Zip: 98373
Submitted Via: Web
Date Sent: 2020-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My name is XXXX XXXX XXXX, I am writing this complaint, since Discover Financial Services, closed my account for no objective reason. I have never had a late payment with them. I always followed all the rules. I have been a Discover card customer for more than 1 year ( Since XXXX / XXXX XXXX, with an excellent payment history, and as a result, Discover has increased the credit limit 3 times ( Currently the limit is {$3000.00} XXXX. I started by having a {$500.00} card with them, then they evaluated my excellent payment history and offered me several times to increase my credit line. On XX/XX/XXXX they put my account on hold, and they asked me to send personal information about me from XXXX, when that account was opened in XX/XX/XXXX. I immediately sent the information they requested. On XX/XX/XXXX, I received a letter to my email, indicating that they closed my account immediately, with a fictitious reason. I have worked very hard to keep my credit always excellent. When I contacted them by phone, they did not treat me well, as I am XXXX and spoke in XXXX, I felt they discriminated against me because I do not speak much XXXX. I request all my account to be immediately reopened and the credit line restored. My account number is # XXXX. My phone number is XXXX XXXX XXXX XXXX, the email registered in my account XXXX Thank you!
Company Response:
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2020-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-01
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: On XX/XX/2020 I received a Company 's Response in regard an existing problem with a 30 day late reporting to all Credit Bureau ( XXXX ). Company response states I made severals payment to my account and they were returned due to an stop payment from my Bank end. After realizing my account balance was too high since all payment were returned and there was an Stop Payment I decided to work with a Consolidator. Company states my account was under " Working with Consolidator '' status but also stated they don't work with consolidators. So, why was my account under " Working with consolidator '' status? It only make sense to keep account as current till a payment is made NOT putting it under certain status and stop me from making payments to it. Company states it was my responsibility to make a payment before XXXX the XXXX, even tho my account was taken under " Working with Consolidator Status '' on XX/XX/XXXX. How am I gon na be able to know my account was accepting payments on XXXX the XXXX? Company also FAILED to mention I tried to make a payment over the phone on XX/XX/XXXX when I called costumer service and was advised of such rejection to work with consolidator. I asked the representative to take the minimum due payment of {$120.00} and she told me she couldn't take it until the account were taken under such status. My intentions were pretty clear, Please accept my payment or wait until I'm able to notarized the letter so you can accept payments. Discover Bank FAILED again to do so by not getting back to me that same day the account was back to normal and as result a 30 days past due was added to my credit report. I kindly ask the company to correct the error or I'll be looking legal advice as I'm working with Attorney General XXXX XXXX from the State of California Department and Justice. Previous Company Response Attached.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Discover has reported late payment to all credit agencies for XX/XX/2019 while the account balance was under case review with CFPBs guidance : COMPLAINT ID XXXX During the entire length of the review I was locked out of my account and unable to make payment. Additionally, the minimum payment due at the time was based off a much larger and incorrect balance.
Company Response:
State: CA
Zip: 934XX
Submitted Via: Web
Date Sent: 2020-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have reach out to company directly via mail, email and via the XXXX. I recently lost my wallet 3 months ago and now notice several things on my credit report. I have advise Discover it is not mine they reply with : upon investigation an credit application was submitted. '' I do not understand what that mean or how this investigation was conducted to verify the validity of this application.
Company Response:
State: MI
Zip: 48221
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-29
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: I purchased a pair of XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2019 and when I received the item I saw it was fake declare value on the package was {$10.00} so I opened and dispute with XXXX they told me to return the item to the seller to receive full refund. I did return the item on XX/XX/2019 and somehow the item could not make to it's destination because I believe the address the seller provided is not valid. The item was stuck in transit for more than 4 months and I thought the item was lost since XXXX and USPS International could not help me out so I panicked and opened another dispute with discover which was the card I used to make the purchase. Then I lost the case with discover card because the item was lost and not delivered to the seller and I didn't have any other support evidence to keep the case alive so they close it while the package was in transit to seller 's destination. Somehow 2 days ago I received the item back since it couldn't the delivered, I contacted XXXX to tell I received the item back which according to their policy I am legible for a refund but XXXX can not issue the refund because Discover card now is in charge of the dispute which is closed so I have been calling both departments back and forth and none of them can help me and feel stupid. The item I have in my possess is not worth {$900.00} dollars and I need your help.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-29
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: I was shocked when I reviewed my credit report and found late payment on the dates below : DISCOVER PL XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My name is XXXX XXXX XXXX, I am writing this complaint, since Discover Financial Services, closed my account for no objective reason. I have never had a late payment with them. I always followed all the rules. I have been a Discover card customer for more than 1 year ( From XXXX / XXXX XXXX, with an excellent payment history, and as a result, Discover has increased the credit limit 3 times ( Currently the limit is {$3500.00} XXXX. I started by having a secured card with them, then they evaluated my excellent payment history and offered me a regular credit card with their banking institution. From that moment to the present, for having used my card correctly and making all my payments in an excellent way, they increased the limit 3 times. On XX/XX/XXXX they put my account on hold, and they asked me to send personal information about me from XXXX, when that account was opened in XX/XX/XXXX. I immediately sent the information they requested. In that email, they told me in a discriminatory way, since I am XXXX, that I had 5 days to send that information, otherwise they would close my account. DISCOVER Financial Services is discriminating me for being XXXX. Today XX/XX/XXXX, I received a letter to my email, indicating that they closed my account immediately, with a fictitious reason. I have worked very hard to keep my credit always excellent. I request that they RE-OPEN my account immediately and my credit limit be restored. My account number is # XXXX XXXX XXXX XXXX. My phone number is XXXX XXXX XXXX XXXX, the email registered in my account XXXX Thank you!
Company Response:
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2020-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A