Date Received: 2020-02-15
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 paid for the rent cancelation of the amount of {$5600.00}. I was an authorized user on the account at that time. My husband disputed the transaction. I talked to XXXX onXX/XX/XXXX at XXXX XXXX the Discover representative and she told me that I am no longer on the account so I can do nothing about it. I made a transaction when I was an authorized user. If they let him dispute all my transactions in all the years that I made it that would be incorrect. I have an invoice for the transaction,
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-14
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I attempted to open a Secured Credit Card with Discover. After they auto debited {$1000.00} from my checking account, I got an email that stated the following : Dear XXXX XXXX, We are writing to notify you that we have closed your Discover it chrome 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. If you have any questions, you may write to us at : Discover Financial Services XXXX XXXX XXXX XXXX, DE XXXX Sincerely, Discover Corporate Security When I contacted them to have my funds immediately returned, they indicated their normal process is returning the funds within two billing cycles. However, they closed the account, so my funds should be refunded immediately. They then indicated they sent a check on the XXXX of XXXX, 2020 ; however, not check has ever arrived. Also, they could not provide a check number of the check that was supposedly sent. I seriously doubt they ever sent one. They could not provide a tracking number, or any other information to confirm a check has been sent. I would like to file a formal complaint of fraud, and possible wire fraud, regarding Discover in regards to this issue, as they auto debited my account with no intention of ever opening an account, with the intent to steal and defraud me.
Company Response:
State: TX
Zip: 78729
Submitted Via: Web
Date Sent: 2020-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-14
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: Complaint against Discover card account number ending in XXXX For Inquiries XXXX XXXX XXXX, XXXX XXXX XXXX UTXXXX I have been an excellent client of Discover card for over 20 years. I never missed a payment in my history not only with Discover but with all the other credit cards. I purchased XXXX for XXXX XXXX XXXX In XXXX CA account # XXXX for {$100.00} on XX/XX/2019. The services offered by XXXX TV was not reliable and I called to cancel the order immediately. discover issued a credit of the same amount on XX/XX/2019, took the credit back on XX/XX/2019 and on XX/XX/XXXX onwards started charging penalty of various amounts still as of this month. I had multiple communication by phone and 6 communications by emails. But the irresponsible behavior of Discover and unaccountability of XXXX XXXX ignored all of my emails, never responded to me continuing to charge me late fees and are continuing to report it to the credit reporting agencies. My excellent credit history with a top credit score has been dropped from XXXX to XXXX. Discover and XXXX XXXX has violated all rights under the fair credit act fair credit reporting Act. I hereby request the respected FCFB to investigate this matter and help me to have them issue credit for all late charges and take all corrective actions, penalties to correct any related errors in my credit history. Attachment communications with Discover discover statements from XX/XX/XXXX copies of the credit reports
Company Response:
State: NY
Zip: 11040
Submitted Via: Web
Date Sent: 2020-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-14
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX stills has an old account with DISCOVER card that was settled at a lower amount. The settlement was on XXXX, 2012 making it 8 years only record, when it should have been removed. The remaining balance is up to date, ( in fact 6 months ahead in payments on payments ). Current remaining is {$1600.00}
Company Response:
State: NY
Zip: 10023
Submitted Via: Web
Date Sent: 2020-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-13
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: I disputed transactions for services I never reneged from a scammer. It was initially found in my favor and then overturned. I submitted an email stating that a refund was due to me. I am due the refund for the XXXX XXXX charges.
Company Response:
State: TX
Zip: 76107
Submitted Via: Web
Date Sent: 2020-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I applied for they discover card and was approved, after receiving my credit card from discover card my laptop was stolen and a ex girl of mine added herself to my account as a authervised user and received a card in her name under my credit ( XXXX XXXX XXXX ) I received the bill in the mail and the credit card statement and the card was maxed out! I contacted Discover Card fraud department and they closed the card down and reissued another one, but then they sent XXXX XXXX XXXX another in her name as well and was in contact with her and sending her mail under my name and asking her question about me and her. This is crazy!! XXXX XXXX XXXX stolen my information and made fraud charges and they talk to her and not me. She stole my computer and added herself to my account without my permission and received a card and maxes it out and they talk to her instead of me.
Company Response:
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2020-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-13
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I submitted a complaint to CFPB, Discover along with credit reporting agencies. The company responded to the complaint but never addressed the issue. I presented feedback after the complaint. Discover continues to report my account paid/charge off. This ACCOUNT WAS NEVER A CHARGE OFF! This was a secured SECURED credit card. I reported lost and stolen. The company continued to charge late fees. Is it customary to continue to charge late fees passed the secured amount knowing its a secured card. Is it customary to not close the account when reported lost, they never sent me another card! Im requesting validation after it was reported lost that they sent out another card. If they did send another card then why did they continue to charge late fees? I paid the full amount because it was on the credit. This is so minor if an issue. I paid the account knowing that one of their employees didnt complete the cancel on the card! However, they still cant provide evidence they even sent me another card. Its A SECURED CARD I PAID! Provide validation that they sent a new card if my account was still open. Provide validation that I used the card after reported.
Company Response:
State: TX
Zip: 78414
Submitted Via: Web
Date Sent: 2020-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I received and E-mail from Discover on XX/XX/XXXX at XXXX XXXX letting me know my card had been declined a charge ( {$64.00} ) for : Payment Protection Services. I at no point have enrolled in this program and the website clearly states that it is completely voluntary. In the last twenty-four months i have been charged roughly {$1200.00}. That is as far back as my statements go. Again, I at no point opted into this program. I called Discover and they said they could only refund me for the past six billing cycles. This is completely criminal. I have discovered charges dating back to XX/XX/XXXX ( {$35.00} ) as their online account only goes back that far. I have been a customer since XXXX and suspect that my charges date back that far. The service costs are {$0.00} for every {$100.00}. This is predatory and unlawful.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2020-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In XX/XX/2019 I refinanced my house and my bank paid my Discover Card balance in full as per the telephone conversation the loan officer had with the Discover Card agent. I continued to get emails for a balance due. I contacted Discover Card and the problem was taken care of. They had not taken the interest on the loan into consideration when they gave the balance due. The Discover agent negated the interest and verified for me that my account was closed and I wouldn't be receiving any more bills. I continued to receive emails and additional amounts of money. I was able to have an agent put a stop to the bills when she checked my account and told me I wouldn't be getting any more emails. I continue to get emails for promotions and a balance due. I am not able to label the emails spam. The address doesn't fall into a category that will accept it. I want these emails to stop. They are harassment.
Company Response:
State: ME
Zip: 046XX
Submitted Via: Web
Date Sent: 2020-02-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: When I was XXXX in the year 2013, I accepted a credit line for XXXX XXXX dollars from discover. I was able to keep up with the payments until I allowed my mother to use my credit card to pay her bills. She eventually used every dollar I had available through my discover credit line and my account became delinquent. Now I am XXXX and I would like to better my credit situation by any means necessary. I would hope to be able to set up a payment plan now that I have a steady income available in order to better my credit. I dont know who to contact about setting up a payments plan. So hopefully this could be the first step towards bettering my credit situation. Thanks
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2020-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A