Date Received: 2020-02-10
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Discover I have filed Multiple disputes with the credit bureaus as well as the CFPB on your company and you still havent deleted the item that I am disputing its the Discover account XXXX I explained to you that the transferring of this debt was missing in which you have yet to fixed I will need for you to delete this account from all credit reporting agencies 2nd violation you are not noting the required noticed of dispute with out this information the account must be remove immediately this is a federal law that you must delete this account for failure to do your job Fcra 611 and They are debt practice and act 806b
Company Response:
State: MN
Zip: 55369
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I was approved another Discover account with a {$3000.00} credit limit with a Hard pull on my XXXX credit report recently. However after receiving the credit card by mail. Discover then locked the card and stated they needed verify my identity but after more research I was informed they needed for me to sign off on a 4506-T to verify income however Discover own legal application process allows customer by law to include combined household incomes including stocks and bonds and business income. Matching tax returns income for an approval or denial when their is combined household income to me is " Income Discrimination '' additionally this isn't an industry standard procedure with other lenders. Furthermore, I am concluding this random check is due to fraud that wasn't properly resolved on a former account that I have tried actively try to resolve with no resolution.That account is reflecting a fraudulent balance of {$350.00}. Discover has both police reports information in regards to that matter. I applied with Discover seeking to develop a solid relationship with the bank for a longterm plan. This procedure should be modified to ensure the process doesn't discriminate against people with various incomes sources.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I paid XXXX on XX/XX/2020 using Discover cards web site. On that same day the XXXX was deducted from my account and when calling to make sure it had gone through Discover showed the balance as zero but the available credit ar only XXXX dollars. A week later its still showing only a XXXX available credit but a zero balance. I called Discover on XX/XX/2020 at approximately XXXX XXXX and spoke to XXXX. She said that the payment was under review and that they sometimes do that to make sure it clears. I advised her that it was taken out the same day that I paid and she said that sometimes they just review a payment. I asked her what the criteria was and she didn't know. I told her I could understand if it was a check but not a bank transfer. This is ridiculous that they get to hold onto the money and not credit the account fully for available credit. What am I supposed to do going on a trip? Unacceptable practice. Never been late, paid off my balance in full what stupid money making trick is this?
Company Response:
State: CA
Zip: 96003
Submitted Via: Web
Date Sent: 2020-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I got sent a judgement that I was going to get garnish for my wages in XX/XX/2019 from the District Court of XXXX County, Arkansas. I have never gotten serve papers for this judgement against me. I was told I had 30 days to response back but I didn't get my 30 days. I receive the letter on XX/XX/2019 and I got garnish on XX/XX/XXXX. I also response back and they never answer my letter.
Company Response:
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2020-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-08
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: Discover Dispute # : XXXX To ConsumerFinace and XXXX : Material Red Flag : Broken Internal Control Design of Customer Complains - not following the set process. 1. Not in time : Per the supervisor, the first step of customer complain should be resolved within 30 days. I've filed my dispute on XXXX and the merchant responded on XX/XX/XXXX. However, I had not heard back from Discover until XX/XX/XXXX. 2. Weak Design : The supervisor said the first conclusion that the case should be without the human intervention. And then she told me that this case was reviewed by HUMAN for the FIRST TIME when i called - then they reversed the transaction to continue the case. Which means they rely on customer complain to handle dispute and if i didn't call, this transaction will be closed in merchant 's favor. When i asked what info was provided by XXXX for discover to close the case in their favor, she said the fact that XXXX responded. It amazed me how Discover are being honest about their weak control design. Funny enough the info XXXX provided was ONLY MY NAME and ADDRESS, whereas i provided my return slip, tracking number of return and the delivered confirmation from XXXX. Please note that if this sale was final i wouldn't be able to get a return slip from XXXX. 3. Next step : The representative told me that this may take more than 6 months. Is that what they wrote in their XXXX? How timely is that?
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-08
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: In its response of XX/XX/2019 to my Complaint to CFPB Discover made the following statement ( see the attached file ) : " in some case it is necessary for our Customer Protection Services Department to speak with a customer directly in order to verify activity. '' The requirements that representatives of the Discover Card need to be able to SPEAK directly to a customer is not listed in any of the Discover cards terms of service not explicitly mentioned in any of its other published materials. Discover also never stated explicitly that it has requirements for customers to have the ability to maintain direct communication with Discover card representatives in order to received services on the account. Discover never specified for how long a customer is required to have an ability to maintain a direct communication with Discover representatives nor it specified what duration pauses the customer can make during a direct communication session with Discover representatives before Discover will interrupt such communication sessions.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2020-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: To say the very least Ladies & Gentlemen, I am completely disgusted with the response and follow up from Discover. I can not believe that the financial entity that calls itself the warm & fuzzy financial institution, did not respect my, more than decent response to them arbitrarily closing my account. That was, by the way in perfect standing, never a late payment, and a XXXX balance. After even explaining that my parents both died within a close time frame, they still choose to not be decent with me, by any stretch of the imaginable common sense. I am therefore, again asking for your help in following up on this issue. The only reason that they gave me was that because I had not used it, there was a risk of it being lost or falling into the wrong hands. To say that is the most RiDICULOUS reasoning I have ever heard is an understatement. Nothing of the sort ever happens or was ever going to happen. I keep all the cards that I dont use regularly in a safe. I would ask that you please help me restore and resolve this issue in a timely manner. I great appreciate your services and what you do for the US citizen. BTW, my dad that died, was a meme we of our nations greatest generation. He was a XXXX XXXX XXXX veteran ( XXXX XXXX ). Seriously, please help me fix this ridiculous issue. It is disgusting and disrespectful to say the least. Lastly, I thank you in advance for your follow up and attention to this matter. With Respect & Kind Regards, Sincerely Yours
Company Response:
State: FL
Zip: 33445
Submitted Via: Web
Date Sent: 2020-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I had fraudulant activity on my discover card back in XXXX. As soon as I noticed the fraudulant atm withdrawls I contacted discover card. They initally gave me back the funds that were taken off my card along with the interest and charges it accured. However just last month they put all the charges back onto my card. I called discover to discuss this and was told that because I did not answer there call they feel it was not fraud. This is Completely not RIGHT. I should NOT be responsible for someone stealing off my card. Now today XX/XX/2019 I went online to view my account and am blocked.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2020-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Over the past couple months when I fell behind on some payments, I began working with them to bring my account current. I initially spoke with someone in late XXXX who advised me that she could bring my account to current status if I could make payments of {$140.00} every two weeks. I agreed. I got a call a week or so later from an Account Rep who said the previous rep was wrong, I would need to make payments of {$160.00} every two weeks to bring my account current. I was frustrated at the apparent misinformation but agreed. Finally, in late XXXX, I received another call from an account rep letting me know that the gentleman on the prior call was wrong, and I should make payments of {$170.00} a month. I agreed. A payment was pulled from my bank account in the amount of {$170.00} on XX/XX/20 and posted. Then on XX/XX/20, another ( unauthorized ) payment of the same amount was pulled from my account, causing it to go negative, resulting in a {$28.00} NSF fee from my credit union. I contacted support via Discovers messaging feature in the mobile app but did not receive a response. I am frustrated at the unauthorized charge and its affect on my finances. The pattern of misinformation and unauthorized payments makes me feel nervous and at their mercy when I am already in a delicate financial situation. Im sure this is happening to other customers if its the case with me. It seems very predatory. Thank you!
Company Response:
State: IL
Zip: 60631
Submitted Via: Web
Date Sent: 2020-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-06
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 had three XXXX accounts that were closed because someone had taken the Cards and used them fraudulent and made several payments on the account that were fraudulent. I continued to pay accounts off on time to a XXXX balance and less then three years of the accounts being paid and closed all accounts and status were removed from all 3 credit reporting agencies. I also had the same issue with Discover Card removal from all of my credit reports
Company Response:
State: FL
Zip: 33308
Submitted Via: Web
Date Sent: 2020-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A