Date Received: 2020-01-21
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 WANT TO NOTIFY THAT I RECENTLY FOUND OUT A FRAUDULENT ACCOUNT IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT, AND SOMEBODY USED MY PERSONAL INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME. I DID NOT AUTHORIZE ANYONE TO USE MY PERSONAL INFORMATION AND OPEN AN ACCOUNT BY DISCOVER FINANCIAL SERVICES. PLEASE TAKE ALL APPROPRIATE STEPS TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT FILE.
Company Response:
State: CA
Zip: 91206
Submitted Via: Web
Date Sent: 2020-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-21
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Hi, I'm writing because I didn't get my referral bonus as promised in the 'Refer A Friend ' program at Discover. I referred my friend to Discover it, who applied the card via my referral link on XX/XX/XXXX. But I never received any format of the referral bonus. I reached out to a Discover agent on XX/XX/XXXX, and he/she claimed without any proof that it must be me who did not make a referral. The agent was not helping, so I had to reach out to Discover again on this issue, and they simply refused any discussion with " appreciate your feedback ''. My suspicion is that they are doing fake promotional referral program.
Company Response:
State: MA
Zip: 02116
Submitted Via: Web
Date Sent: 2020-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-21
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 started a dispute at Discover it on one of my online purchase at XXXX, which should be valid but Discover denied. I made an online order of three items on XX/XX/XXXX and applied a coupon " XXXX ''. Using the coupon, I was able to get {$25.00} off my order, so that the total was {$13.00}, instead of an original {$38.00}. But after a few days, I was surprised that the transaction on my credit card statement turned from {$13.00} to a final charge of {$38.00}. I reached out to XXXX so many times via phone calls and emails but they never respond, and the line are always too busy to be picked up by any agents. So I have to dispute the charge at Discover and provided a copy of my order confirmation email as proof. Discover gave me a final decision on XX/XX/XXXX, saying that according to the merchant, the transaction was valid. But the problem is that the order confirmation where I agreed to pay at XXXX website, as well as what I first received in my email, is different from what the final order looks like, since XXXX changed it after I clicked " submit the order '' and overcharged me. Discover is not protecting the purchase of their credit card holder, as anyone can end up paying much higher than they agreed to, even if they noticed it and submitted a dispute, because Discover 's solution to dispute does not seem fair.
Company Response:
State: MA
Zip: 02116
Submitted Via: Web
Date Sent: 2020-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: THIS ACCOUNT WAS PLACED ON MY CREDIT REPORT AFTER IT HAD BEEN INVESTIGATED I RECEIVED A LETTER XX/XX/2019 FROM DISCOVER STATING THE ACCOUNT DIDN'T BELONG TO ME AND I WAS NOT RESPONSIBLE CASE WAS CLOSED. CONSUMER FINANCIAL PROTECTION BUREAU CASE # XXXX DISCOVER PLACED IT BACK ON MY CREDIT
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2020-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I AM A VICTIM OF AN IDENTITY THEFT AND SOMEONE PRETENDED TO BE AND THEY OPENED AN ACCOUNT AT DISCOVER FINANCIAL SERVICES. THIS ACCOUNT WAS OPENED MAINTAINED WITHOUT MY CONSENT. I HAVE TRIED NUMEROUS TIMES TO SEND MY IDENTITY THEFT REPORT, POLICE REPORT TO THE BUREAUS AND TO DISCOVER BANK DIRECTLY. I HAVE ALSO SENT THEM MY POLICE REPORT. I MA NOT REALY SURE IF THEY WILL BE ASKING FOR BLOOD TYPE. THIS IS A FRAUDULENT ACCOUNT, CHARGES ARE FRAUDULENT AND ITS EFFECTING MY LIVELY HOOD.
Company Response:
State: CA
Zip: 91205
Submitted Via: Web
Date Sent: 2020-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-21
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: Hello, Ordered glasses from XXXX Order # XXXX. They were not packaged properly and arrived broken. Photo attached. Filed a chargeback with Discover and won. 2 months later, Discover charges me again for the order saying the merchant challenged the chargeback. Discover wanted a tracking number for the return. During the complaint process, neither the merchant nor Discover mentioned returning the broken glasses, since theyre broken. The merchant never even sent a return label for them. So after I won the chargeback, I threw them away. Why would I keep around broken glasses? Where is proof of the merchant asking for the broken glasses back before I won the dispute? In a XXXX XXXX XXXX complaint against the merchant, the merchant said they approved the chargeback. I asked for a refund via check from the merchant since Discover isnt refunding me, and they said they could only refund via the method I paid which is with Discover. Both the merchant and Discover are giving me 2 different stories. The merchant says they approved the chargeback whereas Discover is saying they challenged it. Attached the XXXX XXXX XXXX complaint. The order number is there, and I have also attached the merchant receipt which also includes the order number. Thank you for your assistance.
Company Response:
State: MD
Zip: 20876
Submitted Via: Web
Date Sent: 2020-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-20
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: FOR 7 years Discover has placed an unverified and invalidated charge off account on my credit report & is in violation of Federal Law. The damage has been done to my credit report and it is time for it to come off according to the statues of limitations. PLEASE REMOVE THIS CHARGE OFF ACCOUNT from my credit report because it has caused financial and emotional duress to me and family. Discover is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of discovers first investigation and subsequent reinvestigation, discover stated in writing that they verified that this charge off account is being reported correctly? Who verified these accounts? Discover has NOT provided me a copy of ANY original documentation ( a consumer contract with my SIGNATURE on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, DISCOVER has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. .. I HAVE NO CONTRACT AND NO CONTRACTUAL OBLIGATIONS TO DISCOVER OR ANY OF THESE NEGATIVE ACCOUNTS! DISCOVER HAS NO PROOF THAT I OWE THEM MONEY AND MUST REMOVE THIS CHARGE OFF/COLLECTION FROM MY CREDIT REPORT IMMEDIATELY AND PERMANENTLY. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following account FROM DISCOVER BE REMOVED! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2020-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-20
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: Here is the basic statement I made to the Attorney General of Texas & the FTC : In response to a mailer announcing a local XXXX XXXX seminar at XXXX XXXX to learn how to sell on XXXX ; I participated in a 3 day " XXXX XXXX '' training event that went from Friday XX/XX/XXXX through Sunday XX/XX/XXXX. We watched presentations by XXXX & XXXX XXXX ( brothers ) who were introduced to us as Founder ( XXXX ) .and Co-founder ( XXXX ). We were given a very high pressure sales pitch, but they sounded so legitimate and honest that I felt comfortable investing in their training program. I opted for the " Diamond '' Package, which cost {$34000.00}. I had to fill out a personal contact sheet with all off my pertinent identifying information, which I discovered later was used by a lady named XXXX XXXX of XXXX XXXX, XXXX, to electronically apply for 8 different credit cards without my knowledge or express permission. The very first of which was DISCOVER. I received an email from her on the XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX and again on the XX/XX/XXXX advising me that they had HALF of the $ XXXX already covered by my 'newly approved ' business lines of credit stretched across 4 cards. I didn't apply for these cards, nor was I even aware that someone was applying for them on my behalf. This was a bit worrisome, but XXXX assured me this was all normal procedure and notified me that I was only responsible to come up with the remaining XXXX ... .which I unfortunately charged to several of my existing credit cards, including one that was provided to me by my company, XXXX XXXX ; as well as my XXXX XXXX, XXXX and XXXX XXXX lines of existing credit ( with whom I had perfect payment history going back more than 7 years! We were PROMISED that at any time within the first 6 months after starting the program that if we weren't seeing the massive income they assured us we would expect and that if for any other reason whatsoever we felt it just was NOT for us that we could return the CERTIFICATE OF PROMISED REFUND and they would promptly refund all of the fees that were assessed to become members of their training program. By the end of XXXX and throughout XX/XX/XXXX, I had contacted them numerous times regarding my intent to leave the program as I began noticing that they were advising me to conduct my business on XXXX in ways that were strictly PROHIBITED BY XXXX. I made contact with XXXX XXXX XXXX in all the ways I could find, such as via Chat messaging session, by phone calls and emails in the weeks leading up to my final demand which went out to every email address I had, including those of XXXX and XXXX on XX/XX/XXXX, but I received an extremely hostile & even somewhat threatening sounding email that clearly indicated to me that they had no intention of refunding my money. in fact, multiple responses to my inquiries just demonstrated that they were not going to refund my monies ... .thus I began corresponding with & calling the Fraud Services Departments of each of my creditors to notify them of what I had endured and to request that they reverse the charges made by XXXX XXXX as I wasn't provided a fraction of what was promised for my $ XXXX! I began with the DISCOVER IT line of credit totalling {$7000.00} of which {$6000.00} was charged by XXXX XXXX, then I went on to XXXX XXXX ( XXXX XXXX ) with a line of credit totalling {$5000.00} of which {$4000.00} was charged by XXXX XXXX. I went down the list just as it appears in the email I received from XXXX XX/XX/XXXX. Next was XXXX XXXX XXXX XXXX {$4000.00} charged by XXXX XXXX ; followed by XXXX XXXX with {$3900.00} charged by XXXX XXXX, and XXXX XXXX XXXX XXXX with a {$5000.00} credit line ... .and so on, and so on. I finished with my pre existing lines of credit with XXXX XXXX, XXXX XXXX, XXXX XXXX ... .across which the remaining {$17000.00} had been spread to cover all $ XXXX of the XXXX XXXX XXXX Program. Additionally, I had to spend a few XXXX on mandatory purchases from XXXX XXXX XXXX to stock up my XXXX store initially, thus those charges were also placed on several credit cards. Though I did have luck initially with a couple of the creditors reversing the charges ... .they each did so only TEMPORARILY pending the outcome of their ' investigations. ' At which time they promptly put back the charges and denied my request to appeal their decision. In more than one case, I was refused ANY information regarding what, if anything, the creditor had attempted to do with the documentation I provided ; such that they could succeed in their efforts at investigating my claims. I have filed with the Texas Attorney General and the FTC and I -- along with potentially thousands to even tens of thousands of defrauded consumers are awaiting the FTC 's dispersion of funds leftover from the nearly {$11.00} XXXX in assets that were seized from the XXXX brothers. The law firm handling the receivership finally wrapped up their portion of the legal work on the case in XX/XX/XXXX and once all the lawyers and pertinent parties were paid, that left roughly {$8.00} XXXX to be released to the FTC. We are still awaiting further information and/or follow-up by them as to whether or not any of us consumers will see a single cent in return for the fraud perpetrated upon us. At this time, I am trying to defend myself against the creditors who are now suing me for breach of contract, despite the fact that I didn't even apply for the credit cards, nor make the charges to them. I notified each of the creditors involved and asked them to investigate the fraud that clearly has befallen me but all denied my request for refunding the fraudulent charges ; instead choosing to keep me on the hook for all $ XXXX in damages. My credit rating was tanked from over a 720 in XX/XX/XXXX to just over 400 by XX/XX/XXXX. I don't know what to do and I can't afford a lawyer to help me fight back against this known scam. XXXX even sued the XXXX brothers and it's clear that I'm not the only Texan to be victim to this mess. Please help if there is any way possible. Currently, the most pressing matter is a lawsuit pending before the XXXX County Civil Court # 2 which names me as Defendant and lists DISCOVER BANK as Plaintiff for breach of contract and total owed of : {$6100.00}. DISCOVER knows about this lawsuit brought on behalf of consumers by XXXX and the Federal Trade Commission. They have been made fully aware of our position and made further aware that all XXXX XXXX XXXX charges to any of Discover Bank 's customers are FRAUDULENT and CRIMINAL IN ALL ASPECTS, yet they persist in attempt to recover a debt they notified us in XX/XX/XXXX has been charged off and was subsequently turned over to third party collectors. This just isn't right. The defendant can not afford an attorney, which these creditors are well aware. It seems they'll do anything ... .even that which is unscrupulous ... .for almighty dollars.
Company Response:
State: TX
Zip: 76114
Submitted Via: Web
Date Sent: 2020-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2018, I opened a credit card account with Discover. I have just checked my credit report & apparently I have late payments on XXXX, XXXX, & XXXX of 2018. I have had automatic payments set up since i opened the account, so I dont understand how I can have late payments.
Company Response:
State: TX
Zip: 78572
Submitted Via: Web
Date Sent: 2020-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-19
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: In XX/XX/2019 got an advertisement from Discover Credit card to apply this without affecting my credit score. Start the application and at the end came on the screen " Congratulation ''. Than was said that a message was send to my phone. Have to say that being out of Sate was using my cell phone when the message was send to my residence. Than came a message on my computer screen that I will have soon a letter from Discovery. Did call them and had absolutely no help or answer concerning my application beside that a letter will be send to me. Little later saw that I had an hard inquiry on my credit score contrary to what they did advertise saying that applying will not affect my credit score. This was a bait and switch fro m Discover card. Ddid send a letter to Discover Card asking them to reestablish my credit score to what it was before their hard inquiry and they never answered to my letter.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2020-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A