Date Received: 2020-02-04
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/2020 I applied for a Discover credit card online for which I had received a pre-approved invitation letter in the mail with some special terms and conditions, and with a special code to be used to start my online application. This invitation was primarily appealing to me because of its 0 % APR on balance transfers for a certain number of months and {$0.00} transfer fee for any balance transfers to be done for a certain number of months after account opening. I wanted to take up on this offer and applied online. During my application, I was asked which accounts I wanted to make a balance transfer from and in what amount. I mentioned three of my existing card accounts with all of which with different transfer amounts. When I filled out the rest of the forms and finished the application, I was prompted with a message saying that 'unfortunately, my application was not approved for which the reasons I have the right to be revealed but I could still get another Discover card if wanted to. ' I said yes and I was instantly approved. Neither I had any information whether or not this counteroffer had the same terms and conditions as the initial card that I was pre-approved for nor was I questioned if I still want to make any balance transfer to this counteroffered card had it had a different set of terms and conditions. A few days later my new Discover card came in the mail. When I opened it I realized that this counteroffered card had a much less favourable set of terms and conditions such as 10.XX % APR on balance transfers, xx % balance transfer fee on each transfer, a higher APR on new purchases etc. When I saw the new terms and conditions I decided not to activate my new card. To my absolute surprise, I received an email from Discover this morning stating that my balance transfer request of {$2000.00} was declined because I had exceeded my credit limit of {$1700.00}. I did not understand how it could be possible to exceed the credit limit of a card that had not yet been activated. When I called Discover, I was told that they went ahead and made a balance transfer from one of three existing credit cards ( XXXX ) those of which I shared the information during my initially pre-approved but later denied application. When I tried to explain to them that I did not know anything about this balance transfer to my counteroffered credit card which had a completely different set of terms and conditions they just said that they were sorry but they could not do anything about it. Furthermore, I also explained that this card had not been activated yet and that I have a grace period to either activate the card and thus by doing so legally acknowledge the acceptance of this account or just return the card and not accept this account, once again they said there was nothing they could do. Even though this balance transfer attempt from my XXXX account is not shown on not even as pending yet, they still refuse to cancel this transaction that is totally against my will. Can you please help me to have Discover to cancel this unjust transaction?
Company Response:
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2020-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-04
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: Here are the facts Received {$17000.00} on XXXX XXXX, 2020 to Discover Bank Should have received XXXX USD Wire Info sent from XXXX XXXX XXXX 2020 XXXX XXXX Close XX/XX/2020 : XXXX CAD = XXXX USD Discover Bank disclosed NO FEES for an international wire transfer. As a consumer I called Discover Bank on XXXX XXXX so I could make an informed decision. I already had XXXX XXXX I could have sent the wire that confirmed with my family member NO FEES, NO SPREAD, NOTHING. My family member received the same wire transfer to XXXX XXXX with NO FEES whatsoever. XXXX XXXX Discover Bank Rep. very clearly told me Discover Bank charged no fees for receiving an international wire transfer. This same rep also informed me very clearly that the XXXX XXXX XXXX XXXX XXXX charged no fees ( being the 3rd party ). XXXX XXXX XXXX XXXX XXXX XXXX would be doing the exchange to USD. The Discover Bank Rep very clearly told me there would be no spread and no fees. The Discover Bank Rep very clearly told me I would get the exchange rate at close of business the day the wire is sent. Discover Bank has participated in unfair and deceptive business practices by not disclosing the fees associated with an international wire transfer so myself ( the consumer ) could make an informed decision.
Company Response:
State: CA
Zip: 92109
Submitted Via: Web
Date Sent: 2020-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: NUMEROUS TIMES I HAVE SUBMITTED PROOF THAT I HAVE BEEN A VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND MADE FRAUDULENT CHARGES ON MY CREDIT CARD. I HAVE REACHED OUT TO DISCOVER THAT THE CHARGES ARE FRAUDULENT,
Company Response:
State: CA
Zip: 91352
Submitted Via: Web
Date Sent: 2020-02-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I AM VICTIM OF AN IDENTITY THEFT, THE DISCOVER BANK IS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. NUMEROUS TIMES I HAVE REACHED OUT TO THIS BANK AND TOLD THEM THAT THIS A FRAUDULENT ACCOUNT, THIS ACCOUNT WAS OPENED AND MAINTAINED WITHOUT MY CONSENT. DISCOVER NEEDS TO UNDERSTAND THAT THIS IS A FRAUDULENT ACCOUNT, WHY SHOULD I BE PUNISHED BECAUSE SOMEONE FRAUDULENTLY OPENED THIS ACCOUNT, AND NOW I AM BEING PUNISHED.
Company Response:
State: CA
Zip: 91205
Submitted Via: Web
Date Sent: 2020-02-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-03
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 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: 023XX
Submitted Via: Web
Date Sent: 2020-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-03
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Discover Card raised my interest rate to XXXX without my knowledge or consent or for any reason. I wrote, called and was on a chat today XX/XX/XXXX submitting a formal request for an explanation. It was completely ignored. I had recently begun a program of a reduced rate of XXXX for 6 months due to a job change. I did not know it was at XXXX before around XX/XX/XXXX. I agreed to a freeze on my account and the temporary rate reduction. They were supposed to send me documentation why my rate was XXXX but never did. They also told me the freeze on my card was temporary. This was a lie. There is no guarantee my card will every be unfrozen. I have never paid late, have credit score of XXXX. I finally got a supervisor on chat who just kept telling me the same thing over and over about the temp interest rate and repeating what I already knew and completely ignoring my request for documentation as to why my interest rate went up from 12 to 14 % ( not sure ) in XXXX to XXXX. I also asked for a rate reduction. He completely ignored and just sent the same response saying my account freeze would be periodically reviewed like he was some kind of robot.
Company Response:
State: ME
Zip: 047XX
Submitted Via: Web
Date Sent: 2020-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My father who served in the XXXX was Deceased on XX/XX/XXXX. I notified Discover XX/XX/XXXX of XXXX that my father had passed. They said they would take care of it when I called their customer service. On XX/XX/XXXX I spoke over the phone with attorney XXXX XXXX who filed what was needing in the court system my father had passed and the house was considered a homestead therefore a creditor could not come after the house once transferred into my name. I paid him {$1400.00} to file everything. Two weeks later my deceased father received a delinquency notice from Discover. I called Discover and they asked for money from the estate. They where informed there was nothing in the estate. They told me to apply the cash back bonus to the account. Several weeks later I received a call, a letter from XXXX XXXX XXXX. I informed them there is no estate. They said ok that was it. In XX/XX/XXXX/ XX/XX/XXXX I received calls and letters again from XXXX XXXX XXXX. I informed them the estate was insolvent. The rep replied ok. The next time I spoke with a rep they said they would still file a claim ... I told them it was insolvent.. I faxed them the court documents provided by my attorney .... A few days later I received another letter from XXXX XXXX XXXX wanting me to settle on the account. I attempted to contact XXXX XXXX XXXX during regular business hours but they sent me to a voice mail and I asked them to stop attempting to collect from me. Do not call me again. Now, today I received court papers in the mail.
Company Response:
State: OH
Zip: 43140
Submitted Via: Web
Date Sent: 2020-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-02
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I was laid off from my job along with 40 % of their staff in XX/XX/XXXX. I was 2 months short of turning XXXX. In XX/XX/XXXX I lost my only surviving daughter and I buried myself in work to distract from thinking about her all day and falling into deep XXXX. When that was also taken away from me I had to make some decisions. Firstly, I am a responsible person, but with limited funds, I pay what is essential to live and I could not at the time continue paying Discover Student Loans, a private loan I got in XX/XX/XXXX. I sent them a letter explaining what happened, but not a nice one as they are predatory about the loan in my opinion. They used to call & leave 8-10 messages a day, but then they would just call & not leave messages, sent several bills, but I had other bills to deal with that were crucial like rent & car payments, etc. In XX/XX/XXXX, I decided to retire early at XXXX starting in XX/XX/XXXX. The jobs that were similar to what I did for the XXXX XXXX XXXX XXXX XXXX XXXX were paying at least $ 20,000/yr less than what I was making. Also, who wants to hire a XXXX-yr-old to work full-time and think that they will be retiring soon or that I am too old to learn something new? More importantly, after losing my girl, I just didn't have it in me anymore to jump through hoops & act as if I'm going to be 100 % living for the company. I was given 2 blows within 6 months at a vulnerable age. Discover Student Loans went after my brother who was my co-signer. The loan was so old I did not even remember I had a cosigner. He is retired and on a fixed income but they scared him enough to make him pay {$480.00} to catch me up. I got 1 letter from Discover saying he did this. Then I got another letter saying he has agreed to pay $ XXXX/month in their auto-pay program. I spoke with their head collections officer who just did the robot thing, " I understand, blah, blah '' but you still have to pay us every month. The balance is {$2900.00} now, I've paid for so long. I do not want them to take money from my retired brother every month and this " officer '' assured me that the letter I received saying should not have been sent and they will not do this to him. I do not believe them. I did get 57 days forebearance from this person, but after that I have to pay $ XXXX/month. As an early retiree, I will also be on a fixed income and can only work part-time. I asked this officer if they could lower my payments to {$30.00} or {$40.00} per month. He said no. Discover has had several problems in the past and have done a little trick with me in past many times. They would send a bill one month, forget to send it the next month. The next thing you know they are now charging me for 2 months and now added a late fee.This practice was easier in the early XX/XX/XXXX, but continued after XX/XX/XXXX. If you are a busy person it is hard to keep track sometimes and I think they " banked '' on this. Also the bills came in many different forms, some with account numbers, some from different offices. I don't know if this is relevant but there it is. I am hoping you can help me get an agreement to pay them $ XXXX/month and that way if I have more money on some months I can pay them more. For {$2900.00} and for our situation, ( both of us retirees ) I don't know why they are so monstrously greedy, but then they hold all the cards. They are a big corporation that doesn't pay taxes and can cheat us whenever they want. We don't seem to matter in this day and age.
Company Response:
State: FL
Zip: 33702
Submitted Via: Web
Date Sent: 2020-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-01
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 Credit Card Company has been charging me a " Discover Payment Protection '' fee service in which I never authorized for or was aware of. I did call them and they cancelled it moving forward and I disputed the previous charges, in which they said they can only refund the past 6 months as a " courtesy '' and " do their best to make me aware '' of the service. I am not really sure what that means since I didn't know it existed and don't have any communication of it. I feel like I was robbed as I would never authorize to pay such an amount every month without opting for it, and I am not even sure how it was included or what the service actually is. Here are the itemized amounts I paid and did not authorize since XXXX.This does not include the additional interest on the balance that I certainly would have been charged as well. Grand Total - {$2400.00} XX/XX/XXXX - {$77.00} XX/XX/XXXX - {$77.00} XX/XX/XXXX - {$79.00} XX/XX/XXXX - {$79.00} XX/XX/XXXX - {$79.00} XX/XX/XXXX - {$79.00} XX/XX/XXXX - {$78.00} XX/XX/XXXX - {$80.00} XX/XX/XXXX - {$78.00} XX/XX/XXXX - {$77.00} XX/XX/XXXX - {$74.00} XX/XX/XXXX - {$75.00} XX/XX/XXXX - {$73.00} XX/XX/XXXX - {$70.00} XX/XX/XXXX - {$70.00} XX/XX/XXXX - {$69.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$63.00} XX/XX/XXXX - {$60.00} XX/XX/XXXX - {$63.00} XX/XX/XXXX - {$59.00} XX/XX/XXXX - {$52.00} XX/XX/XXXX - {$52.00} XX/XX/XXXX - {$52.00} XX/XX/XXXX - {$51.00} XX/XX/XXXX - {$51.00} XX/XX/XXXX - {$42.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$32.00} XX/XX/XXXX - {$29.00} XX/XX/XXXX - {$29.00} XX/XX/XXXX - {$21.00} XX/XX/XXXX - {$28.00} XXXX XXXX {$28.00} XX/XX/XXXX - {$20.00} XX/XX/XXXX - {$14.00} XX/XX/XXXX - {$11.00} XX/XX/XXXX - {$12.00} XX/XX/XXXX - {$2.00} XX/XX/XXXX - {$1.00} XXXX XXXX {$1.00} XX/XX/XXXX - {$2.00} XX/XX/XXXX - {$2.00} I have been loyal and been making my regular payments since XXXX when I became a customer. It makes me sad that this has been done to me. Thank you.
Company Response:
State: CO
Zip: 80229
Submitted Via: Web
Date Sent: 2020-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/XXXX, I applied for the Discover Business credit card and was denied. A hard inquiry has now been added to my credit report from Discover Bank. When I called Discover Bank on XX/XX/XXXX, I was informed that my application was denied due to the status of a previously closed credit card account with Discover Bank. I proceeded to reasonably ask that, if my application was immediately denied based on information already in possession of Discover Bank, how could there possibly be a legitimate reason to complete a hard inquiry on my credit report? The employee I spoke with was unable to give me a valid answer. There was no reason for Discover Bank to do a hard inquiry on my credit report because, as is obvious, Discover Bank denied my application due to information they already had.
Company Response:
State: MS
Zip: 39110
Submitted Via: Web
Date Sent: 2020-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A