Date Received: 2019-12-07
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: Contacted Discover when I noticed a card had been obtained by my ex husband using my SSN. They would not investigate as I didnt have the security details hed set up. I havent lived in the US since 2015 so no cards or addresses exist in the USA for me.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-07
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: This is my SECOND Complaint regarding the same issue with my Discover Card Bank Transfer/CFPB Complaint Case Number : XXXX ; based upon my complete dissatisfaction with the letter I received from XXXX XXXX, Executive Office of Customer Advocacy at Discover ; as well as with the paltry {$50.00} Monetary Relief Amount.
Company Response:
State: OR
Zip: 97062
Submitted Via: Web
Date Sent: 2019-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-08
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 whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Company Response:
State: CA
Zip: 92064
Submitted Via: Web
Date Sent: 2019-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-07
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: There was a fraudulent transaction on my discover card XX/XX/2019. I contacted discover the day after it happened. They took off the charge and then a few months down the road they re-added the charge and accused me of having done the transaction myself. I have proof that I was not in the area as it is very far away from my house. I have contacted discover multiple times for them to investigate and every time I get a response to give them 6 weeks to re-open the investigation. They never contact me back and then I have to reach out and for them to tell me that there was no additional information that would allow them to investigate further. It seems as though there is no effort in their investigation and it is simply convenient for them to place the blame on me. I have never been to that store in my life and I didnt even know what it was until discover told me. I very rarely travel that far away from home to go shopping.
Company Response:
State: RI
Zip: 02816
Submitted Via: Web
Date Sent: 2019-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Discover representative named XXXX XXXX XXXX in XXXX XXXX XXXX in 2019 ignored all my voicemail messages over the time I contacted her this year and I again gave up dealing with resolving the fraudulent balances that remained with Discover. Discover needs to clear out the remaining balance as I do not owe the debt. The interest and fees charged are not valid. This experience has been unsatisfactory in trying to handle the fraud that occurred on this account.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-06
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: This is regarding the Discover credit card. I had XXXX $ of credit limit as of XX/XX/2019. Today ( XX/XX/2019 ) I have suddenly received an update saying that my credit amount was overused. I went on and checked just to find out that my credit limit was reduced to XXXX without any prior information. I have never missed a payment and never made a late payment in my whole credit history. Now this over usage has made me loose over 60 points of my credit score. I have tried to contact the credit card company but they didnt give me any proper explanation. I want someone to help me fix my credit score.
Company Response:
State: CA
Zip: 92705
Submitted Via: Web
Date Sent: 2019-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XXXX I took a trip to XXXX XXXX XXXX and while traveling I lost my card and there was fraudulent activity that Discover is claiming is not fraud. The fraud was XXXX XXXX for {$1300.00} on XXXX and XXXX taxi charge for {$20.00} on XXXX. I lost my card sometime on the night of XX/XX/XXXX and last I remember using it is when I tried to make a payment to a taxi cab, but the charge would not go through. I do not know the exact time of this attempt, but it was fairly early in the evening. I called discover and they advised that they did not see anything on their end so it must be the merchants machine. I asked the cab driver and he said that there was nothing wrong with his machine and he has been driving all day. I used another card to make the payment and this was the last time I used the card. This is important because my card was fraudulently attempted at other taxi cabs that discover did not mention but used my early attempt to validate future attempts in their investigation. After I returned from my trip I could not locate my card so I filed the lost report with Discover. When I was getting ready to make a payment to my card is when I noticed the charge and reported it to discover. There is 2 weeks gap between when I reported the card lost and when I noticed the charge and thats another thing Discover is holding against me. Discover is claiming that since I did not report the charge when I filed the lost report they can not consider the charge as fraud. I told them they did not mention on their lost report that I could only file fraud claims at that time otherwise I would have reviewed my transactions. I know I should have reviewed them but I still reported within 2 weeks of filing lost report and within the same month as the charge. I further contested with Discover that there are no time frames listed for reporting fraud on their terms or on my statements. Discover is stating that they sent me an alert when the fraudulent charge was attempted, and I verified it. I advised them that I live in Virginia and was traveling is XXXX so all of my credit cards and banks were sending me alerts as I rarely travel this far away from home, so I was not paying attention to them. Just prior I had already gotten calls from XXXX XXXX that someone is using my card in XXXX and had to validate myself twice that day with them. Alert from discover was sent to my email and again it did not mention that if a charge is validated by accident then it can not be disputed as fraud. I have told discover right from the first call that I only attempted XXXX taxi cab once and it did not go through and it was early in the evening. If there are attempts after then its clearly not me. Infact discover called me after I filed the fraud claim to know when was the last time I remembered using my card. I told them the same exact as I mention before but discover used my early attempt to validate later charge from the same merchant. They never mentioned to me the time of the attempt until I brought it up later on and at that point they told me that later fraudulent XXXX taxi charge is 5 hours after XXXX XXXX charge. I told Discover that its clearly not by me then and I think your rep should have told me the time of it. I told Discover that XXXX XXXX XXXX has taxi cabs on literally every single street and who ever picked my card simply used it later on but discover reps would not listen to me. So based on the XXXX taxi charge that I have told them is not mine, the email alert and 2 weeks it took me to report the charge as fraud is what discover is using against me and have sent me a letter stating that charges are valid. I have spoken to their executive department and they would not ever let me talk. I would like my complaint to be published publicly so to other people can be warned about the practices of Discover. The reason it has taken me this long to file a CFBP complaint is because I work fulltime and I go to school fulltime plus discover took months in between my appeals between their departments. Please have discover conduct an actual investigation or make changes to their disclosures.
Company Response:
State: VA
Zip: 23834
Submitted Via: Web
Date Sent: 2019-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-06
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 whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2019-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-06
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They called my work, left message fir me to return call to XXXX XXXX XXXX ask for XXXX And that it was urgent concerning a very important matter. So what does my coworker do, she XXXX the number and says it discover card about a outstanding balance ... Very embarrased to say the least.. could not even do my job, so nervous
Company Response:
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2019-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-06
Issue: Other features, terms, or problems
Subissue: Credit card company forcing arbitration
Consumer Complaint: The Discover Credit Card and Discover Bank referred my already closed account ending XXXX to the XXXX XXXX XXXX, XXXX. ( collection agency ) at XXXX, WA to file the lawsuit against me with the XXXX County District Court. The account was closed on XX/XX/2019 and I also received the refund check # XXXX in the amount of {$0.00} on that day, which I did not cash it. Discover Card, XXXX XXXX, XXXX XXXX XXXX, Utah XXXX, and Discover Bank, XXXX XXXX, Delaware who issued the refund check. It is against the law for the Discover Credit Card and Discover Bank to pursue a lawsuit against me after my account had already been closed. They have violated the Consumer Protection Act and the Fair Debt Collection Protection Act. Please investigate and then let me know. I would appreciate your assistance and emotional support. Thank you, XXXX XXXX, ( XXXX ) XXXX and you may reach me by email as well : XXXX And, the lawsuit was filed against me on XX/XX/2019.
Company Response:
State: WA
Zip: 984XX
Submitted Via: Web
Date Sent: 2019-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A