Date Received: 2020-02-26
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: 2017 I opened my account with Discover Card service and my account after six months the paid in full trade line was mysteriously deleted from all credit reporting agencies without just case.
Company Response:
State: FL
Zip: 33322
Submitted Via: Web
Date Sent: 2020-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been trying to work with XXXX for several months regarding two fraudulent accounts, fraudulent addresses, inquiries, and mix of SS numbers. As a victim of the XXXX security breach and a Victim Of Identity Theft since 2004. I have sent multiple FTC Reports that validates as affidavit and police reports and XXXX refused multiple times to completely BLOCK the Discover Card Account and XXXX Both Fraudulent according to FCRA 605B completely ignoring compliance.
Company Response:
State: FL
Zip: 33308
Submitted Via: Web
Date Sent: 2020-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: They will not allow me to allocate, or determine, where my payments go. Specifically, to the 0 % Intro APR promotional balance, which will expire soon. They will only apply the minimum payment due to the promotion, applying the rest to the higher interest. I understand that, by law, if a consumer does not specify the higher interest balance is paid first. But, I specifically requested that additional payments go to the promotion and they denied that request, time and time again. Which will now make it impossible for me to pay off the 0 % Intro Balance prior to the expiration. Discovers T & C does not state, anywhere, that you are not entitled to specify how your payments are allocated.
Company Response:
State: FL
Zip: 34238
Submitted Via: Web
Date Sent: 2020-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-24
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I am writing to ask that you look into the predatory banking practices of Discover credit card. I am currently reeling from a shocking phone call I received on XX/XX/2020 from Discover, a credit card account I opened just 7 weeks ago. Discover demanded I release my 1040. If I did not comply, they threatened to close my account. This has all been verified. It was indeed Discover. See attached. I held a savings account at Discover Bank for over 8 years before deciding to open a Discover credit card. Following the normal credit application procedure, I unfroze all my credit reports, one at a time, at all three credit reporting agencies. Once approved, one by one, I refroze each credit report. Less than 7 weeks after receiving my card, I received a call from Discover card telling me to check my email and to respond to their request for the release of my 1040. ( see attached ) Shocked, I demanded to know why?! They claimed they saw unusual activity on my account. I hung up and called the number on the back of my card. I was then informed that my card had been put on a temporary hold until I complied and if I chose to not comply, my card would be closed in 2 weeks. Reason given : unusual activity. What in the world was going on? I was also locked out of reviewing my own account activity! My heart raced like never before! They said I had agreed to the use of this action per their user agreement. I could not argue as I did not read all '20 pages ' of it. I hung up and called Discover Bank where I have held a large account for over 8 years. I begged their assistance. They agreed this was disturbing but failed to intervene. What was happening to me? In total panic, I contacted the agency that monitors my credit activity fearing I may be a victim of identity theft. NO unusual activity. What is going on?! I am a senior citizen with pristine credit. I've never missed a bill in my life! Are they randomly targeting seniors? I am NOT complying with Discover 's demands. In fact, I immediately closed the card. I have also closed my account at Discover Bank after they failed to intervene on their own product. 4 days after closing both accounts, I CONTINUE to get emails from Discover continuing to ask me to release my 1040! ( See attached ) They have no right nor reason to be demanding this very personal information. Please investigate this as it is clearly predatory activity. Thank you. I look forward to your reply.
Company Response:
State: WA
Zip: 98107
Submitted Via: Web
Date Sent: 2020-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-24
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/XXXX I took my truck for repairs at XXXX XXXX XXXX XXXX Fl. I was disappointed with the repairs the dealer performed on my truck, so after complains made by me were unresolved I decided to challenge the already payment done with my Discover credit card on the amount of {$1200.00}. I went on to dispute it and the dealer agreed to check into it one more time without more charges, once dealer had my truck inside their premises they use it as a ransom and made me pay cash ( XXXX ) and also made me release the discover credit card disputed amount ( XXXX ) so I could get my truck back. I did call Discover and asked them to unlocked the credit back to XXXX XXXX XXXX in XXXX Fl. Once I got my truck back, I filed a complain to the XXXX in order to get back my {$1200.00} that the dealer was keeping ( Payment was only {$1200.00} that I paid on cash on XX/XX/XXXX, receipt attached ) Dealer made the rebuttal to the Discover credit card after the XXXX got in touch with them. All documentation was sent to Discover Credit Card by mail and also by uploading them on their website as I was told by the credit card.I already spoke three times with 6 different representatives on discover dispute department but it seems that they are reluctant to credit my account with {$1200.00} that the dealer XXXX XXXX already sent back to them.
Company Response:
State: GA
Zip: 31548
Submitted Via: Web
Date Sent: 2020-02-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-24
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I applied for a discover secured credit card and within few days I was approved and the card was sent out ... they took my XXXX dollars I work hard for and I received the credit card today XX/XX/2020 and I try and use the card and it didnt work and now I was told I need to fill out a form and return the IRS form back ... and in order to use the card and this is wrong I dont have a higher income and Im on XXXX and I would want my secured deposit back if I dont get my card activated and they wasted my money and time and I dont feel like going anywhere in public and run errands ... this is XXXX and Im tired ... .. Im considering taking legal actions against discover for harassment
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2020-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I applied for a Discover card in good faith. They approved a new card for me on XX/XX/2020 which was reported to the credit bureaus. On XX/XX/2020 I was informed that my account was to undergo a verification process which I happily complied with. On XX/XX/2020 Discover made a " business decision '' to close my account. This will negatively impact my credit report through no fault of my own. I contacted the company and they refused to give me any additional information. Basically they are accusing me of submitting a fraudulent credit application which is not true. What remedy do I have to correct this situation?
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2020-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this trade mark being reported to all major credit reporting agencies. Thank you for your assistance
Company Response:
State: NJ
Zip: 07621
Submitted Via: Web
Date Sent: 2020-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: After receiving an advertising from Discover card on XX/XX/XXXX I did apply for the card. The advertising mentioned that it will not affect my credit score. During the application came on the screen the word " Felicitation ''. Was applying from out of home and the credit card left a message on my home phone when not present. Than came on my computer that the application was refused. Called Discover from my cell phone being out of State explaining that I couldn't not get the code. Discover told me sorry we can't do anything. Few days later saw that there was a hard inquiry on my credit score from Discover Financial. I already did contact you previously about this issue last year. Receive an email from a certain Mr. XXXX XXXX from the Executive office of Discover Financial. Did answered same day his email explaining the issue and since never got an answer. Emailed again Mr. XXXX XXXX on XX/XX/XXXX and still do not have an answer. Was yesterday ready to buy an XXXX vehicle because I have an XXXX and the finance company is charging me {$140.00} more because of the hard inquiry from XX/XX/XXXX. The contact person at Discover Executive office email is : XXXX, Phone number : XXXX I feel I have been mislead by the advertising of Discover card and ask this to be resolved. Respectfully, XXXX XXXX
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2020-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-23
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Discover Financial Services continues to contact me regarding {$25000.00} of debt I owe to Discover Financial Services. I filed Chapter XXXX bankruptcy with the United States District Court of Minnesota Bankruptcy Court. The debt was completely discharged under Chapter XXXX. I dont owe Discover Financial Services any debt.
Company Response:
State: MN
Zip: 55343
Submitted Via: Web
Date Sent: 2020-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A