Date Received: 2020-01-04
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: I am filing a grievance against Discover credit card for not resolving a dispute with XXXX in my favor. On XX/XX/19, I purchased a XXXX laptop from XXXX, for {$710.00}. I requested a secure, signature required delivery. On the day of delivery I was at work, 50 miles from home. According to XXXX, they dropped the delivery in the building lobby which is unsecured with more than 40 appt units. XXXX left the package with no Signature required. When I came home, the package no longer was there. The next day I filed a police report and tried to address the issue with XXXX and Discover/cc. They both are blattantly lying that the " package was delivered ''. But if the package was dropped in the building lobby, I am telling you that I do not live in the lobby neither the lobby belongs to me and even more- on the given day I was not home. Discover has not resolved the despute in my favor.
Company Response:
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2020-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-04
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 was renting out my house on XXXX XXXX. Someone stole my phone and my wallet to make fraudulent charges. I think they sent in some documents to fake my identity and " verify '' as me. Discover has been said that they found that it was not me and there was fraud on my account but they refuse to remove the charges. Now my credit card is reporting late payments and messing up my credit score for something I NEVER even did. Discover has agreed it was Fraud but they are charging me still, that's against the law.
Company Response:
State: FL
Zip: 32825
Submitted Via: Web
Date Sent: 2020-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently checked my credit report and saw that there are two fraudulent accounts on my credit report. One is from XXXX XXXX and the other is from Discover
Company Response:
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2020-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are two fraudulent accounts reporting on my credit report that I have never applied for. One from XXXX and one from Discover. I NEVER applied for either account. And neither account is assigned to an address I have lived at in the past.
Company Response:
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2020-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-03
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: This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Company Response:
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2020-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I was approved for a secured card back in XX/XX/2019 and This required that I pay a {$300.00} security deposit which was debited out of my personal account. I received the card and welcome kit in the mail. Shortly after I needed to fill out another IRS form for additional information and ultimately the card was cancelled and closed saying they couldn't verify personal information after receiving this phone call and email I said okay how soon will I get my security deposit back and they assured me with in that it would be expedited within 10 business days. It has been almost 2 months now and I have yet to received my security deposit back and I have called every week for the last 5 weeks to get the status and they continue to give me the run around about refunding my security deposit. in this process I have lost 11 points on my credit scores and have an inquiry which they stated from the very beginning it wouldn't affect my score and a derogatory remark for the account that was never used
Company Response:
State: TX
Zip: 77016
Submitted Via: Web
Date Sent: 2020-01-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-02
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/19 I was charged {$52.00} from XXXX ( XXXX XXXX XXXX ). This charge was fora RENEWAL of XXXX XXXX which I cancelled with them last year in XXXX. When I contacted XXXX directly they said they can't even find my transaction so my next step was to contact Discover. - I have attached the email exchange between XXXX and myself. I used their Chat feature on their app and it was clear they were not even attempt to understand the issue. I kept explaining that the XXXX company could not even find the charge so I ws not sure how I can work it out with them when on their end they don't see the charge.
Company Response:
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2020-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Company Response:
State: CA
Zip: 91324
Submitted Via: Web
Date Sent: 2020-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-01
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: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: MI
Zip: 48124
Submitted Via: Web
Date Sent: 2020-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I would like you all to contact Discover Card CEO and these other administrators at Discover Card, please do not contact XXXX ( please this is only the Discover Card Executive Secretary Office and they were not very helpful ( Mrs. XXXX XXXX to be exact assisting me with my issue. ) Scroll down for remaining complaint in which I informed XXXX XXXX at Discover card on XX/XX/XXXX. Executive Contacts Primary Contact XXXX XXXX Executive Vice President XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Secondary Contact XXXX XXXX Senior Vice President of Customer Service and Engagement XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX Executive Vice President, President - Credit and Card Operations XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Chief Executive XXXX XXXX XXXX CEO XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX RE : Discover Acct # ending in XXXX Discover.com -Continuously contacting me verbally to sign the XXXX Forms XXXXNot allowing me to make purchases on my account and disabling my online account and -Closure of my entire account due to the XXXX and IRS verification of income -XXXX continuously spamming my email for me to complete the form. ( This was my email to XXXX XXXX in the XXXX, but again she could not assist me, please forward this email to Discover Card CEO and other administrators ) My apologies for not emailing you the information below per our conversation as it relates to Discover Card representatives contacting me via several phone calls on yesterday and sending me several emails via XXXX ( below ). ( This was my email to XXXX XXXX in the XXXX, but again she could not assist me. When I spoke with you ( Mrs. XXXX ) earlier on yesterday ( XX/XX/XXXX ) around XXXX XXXX via the Executive Offices Ph # XXXX. Per our conversation I informed you that Discover Card representatives continued to contact me via phone on several occasions on yesterday informing me that I needed to complete the XXXX and XXXX XXXX information below which entailed completing a 4506-T form that will verify my information and will also verify if I earned income in XXXX-XXXX via IRS tax filing. When I finally called Discover Card on yesterday ( XX/XX/XXXX, @ XXXX XXXX via XXXX ) they informed me via phone if I did not complete the XXXX forms that included the 4506-T and verifying my IRS income for XXXX-XXXX that my account would be closed by XX/XX/XXXX, or within 14 days as stated in the XXXX email below. I proceeded to ask the customer service representative why was my account being flagged for verification and the representative stated this is a Discover Card procedure and that's all that they could tell me. So I requested to speak to a supervisor, I was then placed on hold briefly and then the Supervisor XXXX Employee ID # XXXX ( she refused to give me her last name and email address, refused to provide me with an email or phone number to the legal department/risk management or the complaints department, she also refused to connect me to a manager or director and refused to provide me with Discover Card corporate phone number and I informed her how does she work for Discover and refuses to provide me this information, I conclude to tell her that their calls are being recorded by Discover so aI suggested she give me corporate phone number she then provided with the corporate office phone # XXXX ). Please council XXXX in regard to her unprofessional behavior via this call. As you stated Mrs. XXXX you stated you will access and listen in on the call I had with XXXX and council her. I asked XXXX, why was my account be flagged for verification, my account is on hold meaning I can access my account online or make purchases and if I don't complete the XXXX XXXX XXXX XXXX Form that also included the 4506-T form and it comes back that I did not receive any IRS Tax Filing Income in XXXX-XXXX then my entire Discover Card Account would be closed out. I also informed XXXX that I've been a customer with Discover credit card going on 8 years now, I've never made a late payment, I was just recently approved for a credit line increase, a XXXX loan ( in which Discover Card sent me this offer ) and Discover card also offered me a 5 % cashback on holiday purchases. I proceeded to also ask XXXX that this policy is very discriminatory and that I did not earn income in XXXX-XXXX via IRS tax filings because I became XXXX in XXXX due to an on the job injury and that I receive XXXX income. I also informed XXXX that this verification policy is very discriminatory if someone who's a student and their parent is paying their credit card, or someone is living off of a family trust, or if their investor and they do not earn IRS income or someone who's XXXX such as me and who receive XXXX income. XXXX responded and stated they are currently working on other ways to verify customers ' income who don't file with the IRS. So I then informed XXXX if you all are still working on other ways to verify customers other forms of income verification besides using XXXX and the IRS then this policy is very bias and unfair, because of banks, credit cards, and other institutions allow you to provide other forms of verification income prior to even applying for credit cards, funding and etc. Mrs. XXXX and/or discover administrators, I would like for this issue to be resolved immediately my reasons relate to : 1. Why was my account flagged for verification? ( This question is being posed due to the fact that I've been a customer going on 8 years now, and I just received a XXXX loan from Discover ) 2. In regards to verification and a customer account being closed due to no income earned via IRS tax returns, it this legal? If so, is this stated in your terms and conditions? 3. Shouldn't Discover have disclosed Question 2 prior to a customer signing up for a Discover Credit Card and/or loans and etc? 4. Also, can this issue be resolved immediately and prior to 14 days and the closure of my account? ( This relates to my account being held up due to the repairs for my home due to the XXXX XXXX XXXX XXXX who were going to be completing the repairs of my home along with the XXXX loan from Discover that was also going to be utilized for the repairs of my home. Also, I just booked a plane ticket utilizing XXXX and I still need to use my discover credit card to purchase a hotel and rental car due to treatment for one of the medical conditions that has caused me to be XXXX. 5. Is there a customer complaints department that I can file a complaint to Discover Card regarding XXXX XXXX behavior? Or will you handle this on your end Mrs. XXXX? 6. If these issues can't be resolved on your end, could you provide me with Discover Card legal department information? ( Just in case I need to take legal action ) If this issue isn't resolved in 24-72 hours I will contact the media and publish this on social media and Discard Card social media. Look forward to your prompt response, XXXX XXXX Ph : XXXX XXXX : XXXX XXXX
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2020-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A