Date Received: 2019-12-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Dear Sir or Madam, I understand now exactly why this bureau was created to help the people of the United States. My father was a part of the greatest generation ever ( XXXX XXXX XXXX ) and is no longer with us. I mention this because it pertains to the disgust and mistreatment that I have endured with Discover. I and my wife personally have a couple accounts with them, all in perfect standing. The first account that I opened was several years ago. I always check and monitor my credit closely. Not to mention, maintain a 100 % payment history. Again, I have never missed or been late on a payment. This is true, not just with Discover, but with EVERYTHING. This is true, even during a recent life threatening accident that my wife had and the death of my father. To my astonishment, I received an electronic letter from Discover the night of XX/XX/XXXX, stating that my account had been closed arbitrarily, without me knowing about it. This account was in PERFECT standing with a XXXX balance. When I inquired why, I was simply told that the reason was that I hadnt used it in a while. My wife and I have spent thousands with Discover, just this past year alone, and with the recent afore mentioned events, werent really thinking about which account or accounts we were using. Needless to say, any DECENT human being should be able to understand this. Furthermore, upon reaching out to them, I spoke with three individuals. Two of which seemed to be somewhat compassionate and understanding, frankly wanting to help. However, one such individual, named XXXX, was so disrespectful to me that I couldnt believe he actually said what he said. As I simply asked that my account be reopened, mainly due to the fact that it was in excellent standing with a XXXX balance, he responded to me by saying the following : Discover was in the business of making money, and that by not using the account I was actually costing them money. Well, I wasnt born yesterday and I have an XXXX in XXXX, I am more than FULLY aware that is absolutely false and a flat out lie. When I asked him what costs he could possibly be referring to, he gave me totally ridiculous reasons, such as sending emails, providing me with my credit score, and simply keeping the account open on a computer screen. Although, these were all completely asinine, the worst part of it was that I wasnt treated like a good client or even a human being, even after I mentioned the death of my father. He simply said that they didnt care if I was a happy customer or not and that FRANKLY, I wasnt making them any money. Not only is this not true because of the usage from three other accounts totally over {$20000.00} throughout the course of this year alone, but even if it was, that is not a justifiable reason to treat me as such, much less, blindly close my account. I am completely disgusted with such a ridiculous situation and by the way I was treated. I even offered to use the card immediately, if they really wanted me to. Simply, all they had to do was send me a communication, perhaps with an offer or an incentive, and I would have been happy to use the card for something. This treatment makes no sense and is really bad business on their part. I ask that you aggressively pursue a just resolution on my behalf and strongly suggest that Discover research the representative, XXXX, with whom I had the unfortunate pleasure in speaking with. Anyone with common sense or any sense of decency at all, would be able to understand that this is no way to treat a good client, and more importantly a person who has recently suffered personal trauma and a tragic loss. Their actions are disgusting and deplorable, making no sense even from a FINANCIAL perspective. I thank you in advance for your follow up in regards to this matter and to a hopefully swift resolution.
Company Response:
State: FL
Zip: 33444
Submitted Via: Web
Date Sent: 2019-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My discover home equity loan was refinanced by XXXX XXXX. XXXX XXXX sent Discover Home Equity a payoff check which they cashed, but never applied to my loan. I was stuck paying 2 home equity loans for months. I tried multiple times to get this resolved and escalated with both companies to no avail. XXXX XXXX finally had to reissue the check and send it again to Discover. The check was received in XX/XX/XXXX and loan payoff was backdated to the original payoff date of XX/XX/XXXX. All monthly payments that were drafted from XX/XX/XXXX through XX/XX/XXXX were returned to me by Discover. However, Discover reported me 120+ days past due on my credit report in XX/XX/XXXX due to all of this. I was never late on any payments as they were auto debited from my account. I was even making two HE payments while all of this was resolved by the financial institutions. This prevented my husband and I from purchasing a home at the time because we couldn't get the title sorted out.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is an account from Discover credit cards reporting on my account that I never applied for and thus must have been opened fraudulently. It is said to have been opened on XX/XX/2014 with a balance of {$3500.00}
Company Response:
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2019-12-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Discover demanded me to authorize them to obtain by tax returns from IRS, I have never heard that credit card institution or obtained consumers records from IRS. I feel Discover had discriminated against me for being perfect customer and NEVER BEING LATE : I feel that credit card company had chosen this route accurately predicting that I would refuse. I strongly feel that real reason for Discover discrimination against me is that 1. they owed me rewards money, 2. they were never able to charge me late fees or any other fees 3. they did not wanted pay rewards I earned 4. Discover breached their terms and Conditions and had chosen convoluted way to close my account and refuse me from their service also vindictively ruining my credit report. I request Discover to confirm clearly 1. why they had chosen to discriminatively " update and maintain my records via IRS 2. remove adverse notes from my credit report as it adversely affecting my credit report.
Company Response:
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened a dicover credit card inXX/XX/XXXX. It is no interest if you pay the minimum money every month. And it start to charge me the interest from XX/XX/XXXX. Without any email notice or statement, I didn't received the statement. When I find the interest charge, it already been charged for 4 months. I think it is okay for discover to charge the interest but they need to inform me by email or app notice instead of just silently charge the interest. I realized it and paied all the balance. But I still want to argue for the interest they charged on my account with no notice from XX/XX/XXXX. I think it is their abligation to inform customers of changes of interest policy. Thanks!
Company Response:
State: TX
Zip: 77056
Submitted Via: Web
Date Sent: 2019-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-18
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I became a Discover It Chrome card member XX/XX/XXXX. I paid my balance in full every month with no late payments. I was approved for a Discover Miles credit card XX/XX/XXXX and the card was mailed to me. I was informed on XX/XX/XXXX that I was required to complete a tax transcript request form 4506-T and that both of my accounts would be frozen pending account review. I completed the 4506-T form XX/XX/XXXX via XXXX as requested. I closed my Chrome account because I became irritated that my account was frozen after a year of on-time payments made in full. I was informed on XX/XX/XXXX that my new Discover Miles card was closed due to a business decision after review of my income. I believe that Discover has violated the Equal Credit Opportunity Act because I have been discriminated against based on my marital status. When I completed my application, I was told to include all of my household income, which includes the income of my domestic partner. Discover 's website states, " Credit card issuers will ask you to supply your total gross annual income, which helps them decide if you qualify for a line of credit, and for how much. Current regulations allow you to include your total household income, so long as you have a reasonable expectation of having access to it to repay a loan. This is designed to make it easier for non-working spouses or domestic partners to qualify for credit cards. '' I included my own income of {$47000.00} annually and my domestic partner 's income of {$41000.00} for a total income of {$88000.00}. Discover did not give me an opportunity to prove my domestic partner 's income when evaluating my tax transcripts for income verification which discriminates against me based on my marital status. I contacted Discover customer service and was informed that they would not accept my domestic partner 's tax returns to prove my total household income.
Company Response:
State: OH
Zip: 45251
Submitted Via: Web
Date Sent: 2019-12-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: The credit card company discover filed a law suit against me for XXXX on a time barred debt. I live in Maryland where the statue of limitations is 3 years the account closed on XX/XX/XXXX law suit was filed XX/XX/XXXX. I called them to try to make a deal to avoid court but by doing this It violated my rights by reinstating the old debt because it is illegal to file a law suit on a time barred debt ( I did not know this at the time ). The company discover broke the law to get me to contact them about the time barred debt.
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2019-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had a fraud charge on my Discover card XX/XX/2019 and called Discover and had them cancel and transfer my account to a new card and open a fraud investigation. XXXX weeks later no card arrived and I had a update on my Credit that I had closed out my account and it negatively impacted my credit by about 25 points. 6 weeks later on XX/XX/XXXX I am trying to close on a home and I get denied because the day prior I apparently had a new inquiry into my credit and opened a new credit card with Discover hitting my credit for 41 points. Later that day discover called saying I was late by 3 months and delinquent. On the XXXX of XXXX I get another credit update i am delinquent and lost another 41 points on my score. Because I lost my house I had to extend my lease putting down more rent and now discover says I owe over {$1000.00} in 2 weeks. I have spoken to Discover and they have sent a report to fix my credit but cant promise it will totally fix the situation point for point. Also they wont do anything to help with the balance when it's there fault it's a situation at all. They put me out of a house, they messed up my credit score by over 100 points and when I requested to cancel my card, they informed me it will hurt my credit worse. So I am stuck in a bad situation as a consumer and the company that inconvenienced my life a lot wont do anything in regards to there mistakes.
Company Response:
State: WA
Zip: 98168
Submitted Via: Web
Date Sent: 2019-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Discover Bank lowered my balance 3 times without any notice in advance, no letter, no email was never received. This action took about 60 points from my credit score. The last time they lower my balance lower than actual balance I had on my card so the made my account in overspend position.
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2019-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently applied for a credit card with discover and was denied under the guise that I previously held an account with a XXXX limit. I have never had a discover card.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2019-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A