Date Received: 2019-12-06
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I had a credit card with Discover. I had a credit limit of {$1900.00}. On XXXX my credit was decreased to {$500.00}. I had made a payment of XXXX to bring my account current. I missed a payment in XXXX due to a very personal issue but set up payment plans with Discover to bring my card current. I was able to make a large payment and no sooner than I had done that my credit limit was reduced to {$500.00}.
Company Response:
State: NY
Zip: 132XX
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: Other problem
Consumer Complaint: I had a reoccurring payment setup on my Discover Credit Card, then I did a one time payment of the statement balance on my credit card to be paid XX/XX/2019, when doing this I remember it promoting me to ask if I wanted this payment instead of or in addition to the reoccurring payment, I said instead of. Also, I had no reason to believe my credit card company would take more payment than my statement balance at one time. This payment was setup about a week before the payment, I do not have the exact date. On the day the payment was due both the reoccurring charge and the statement charge were taken out, my Discover account was overpaid by {$1700.00}. I immediately contacted Discover to have the {$1700.00} payment reversed, I believe it was XX/XX/2019. They told me I had to fill out a form and the money would take 12 business days to be refunded to my account. Though I said this was not appropriate due to the situation, I filled out the form because I felt it was all I could do. I continued to receive communications from representatives over their chat function for days who continued to ask me to fill out the same form, which confused me. I finally called and asked what was happening on XX/XX/2019. I was on the phone for half an hour and a representative confirmed that the refund had been requested on the XXXX and I would get the money soon. When 12 days was up I contacted the company again and they said the refund wasn't able to go though because they didn't have the right information. I requested a refund to the same account they withdrew the money from and had submitted 4 electronic forms with the information, which included the routing and account numbers. I submitted another form and was told it would again take 12 days from the new time I contacted them, which would actually be the same day that my monthly payment is due. I have still not received any money back, no clear way of how to get it, and no monetary credit for the inconvenience of having my bank account overdrawn by {$1700.00}. This is theft and is not okay. The worst part was that every time I contacted them to get this dealt with they kept blaming me for the error when they created a situation where my account was {$1700.00} overpaid for a month.
Company Response:
State: DC
Zip: 20008
Submitted Via: Web
Date Sent: 2019-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XX/XX/XXXX. I received a statement that they are updating the system and the direct deposit needed to be re-entered in the system. I tried to re-enter the deposit with a representative over the phone. The representative helped me to log in however the system was having issues. The representative helped to remove the old account so that I could re-enter the new account. After I completed the update I asked the representative to check the account to make sure the information is updated and that we have everything completed. She confirmed everything looks good and the information and date is set for direct deposit. The following week I traveled out the country, went I got back I received notifications of the payment being late. I am disputing the late payment reporting. I have had this account for more than 5 years and never had a late payment. When I called Discover requesting a courtesy to remove the late payment due to system error and their update as well as having a great payment history, they said there is nothing they can do about it.
Company Response:
State: FL
Zip: 33309
Submitted Via: Web
Date Sent: 2019-12-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-05
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: Hi I didnt apply for a discover card dated back XX/XX/XXXX and I didnt accept this card in my name and it has two phone numbers it dont belong to me in my name .... and discover completed there investigation and find it that I was responsible for this account but they never called me or send me any letters at all and I didnt apply for this card ... but I wasnt held responsible on two previous discover accounts and I have the letter and the proof they send me in the mail on XX/XX/XXXX on another discover account ... Discover has been giving me a hard time and they have rude customer service and they never ask for police report and never called me ... I want this account to be temporary removed off my credit report while they do there second investigation ....
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2019-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-05
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: Hi I didn’t apply for a discover card dated back XX/XX/XXXX and I didn’t accept this card in my name and it has two phone numbers it don’t belong to me in my name .... and discover completed there investigation and find it that I was responsible for this account but they never called me or send me any letters at all and I didn’t apply for this card ... but I wasn’t held responsible on two previous discover accounts and I have the letter and the proof they send me in the mail on XX/XX/XXXX on another discover account ...Discover has been giving me a hard time and they have rude customer service and they never ask for police report and never called me ... I want this account to be temporary removed off my credit report while they do there second investigation ....
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2019-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-05
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 needed ADA compliant mats for a mini golf business I was trying to open with my husband. I purchased mats advertised as ADA compliant with my Discover card from http : XXXX We installed per their instructions The mats were declared not ADA compliant by the city I live in and we were not permitted to open our business. We were unable to open our business because we had no money left to purchase new mats. We had to sell everything we had purchased for an enormous loss. We sent the mats back ( XXXX organized shipment to and from our store ). We asked for a refund. XXXX said they do not give refunds and we should have checked with this city before purchasing. They offered a 50 % restocking fee We disputed the charge with Discover. Discover said the charge was valid because we had signed approving the charge, despite the fact that what we were told we were purchasing ( ADA compliant mats ) is NOT what we received. Per my Discover credit card agreement, I tried to start arbitrage, but Discover refused to pay the filing fees, despite the fact that agreement says they will pay. XXXX has the mats and the money ( they said the mats were damaged in transit, but they arranged transit -- so they lowered the offered refund to {$800.00}, but never paid it and stopped replying to e-mails inquiring where the refund was ), XXXX collected their fees, and we have nothing.
Company Response:
State: SC
Zip: 29550
Submitted Via: Web
Date Sent: 2019-12-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have changed my contact information and Discover card is calling my mother’s telephone number at least three times an hour everyday. They are harassing her. I have submitted contact information but they keep harassing her. I have not lived with my mother in 23 years. They have been doing this since XX/XX/2019
Company Response:
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2019-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: PLEASE CALL MR. XXXX XXXX at THE EXECUTIVE OFFICE OF CUSTOMER ADVOCACY OF DISCOVER CARD ( XXXX ) XXXX as he knows my previous complaint about the same matter COMPLAINT ID XXXX filed on XX/XX/2019. The complaint was resolved successfully because Mr. XXXX removed the account debt from XXXX XXXX XXXX back to Discover Card at its original Dollar Value. I bought a Cashier 's Check of {$3200.00} to pay the debt and mailed it on XX/XX/2019. I have been in contact with XXXX at XXXX to find if my check arrived which it did on XX/XX/2019 and I was told by XXXX that she also received a check of {$6600.00} from LaVrar THE COLLECTION AGENCY but no problem because Discover Card will collect the debt and the remainder will be refunded to me. The remainder is {$6600.00} but I imagine Discover had to deposit both checks to collect all the monies and THEN ISSUE A SOLE CHECK FOR ME. I have been waiting for the check and I have been calling Shontae at XXXX but the recording says there is noone at the office PLEASE CALL BACK LATER. I called the customer service phone and a Manager COULD SEE A CHECK NUMBER IS GOING TO BE ISSUED but from where she was she could not see FOR HOW MUCH OR WHOSE NAME. I did not sleep the whole night at all THINKING! Not only me but also The XXXX XXXX have asked XXXX to mail back a check for {$6600.00} to XXXX XXXX XXXX to place the funds back in Escrow. The Title Company forced me to sign AGAINST MY WILL ( I have emails to prove it ) The Stipulation to pay LaVrar under threat my debt would go up to include Court Costs and others only to find XX/XX/2019 that my complaint was approved so I could pay Discover Card the lesser amount owed. The response of XXXX to my complaint ( dated XX/XX/2019 ) reads as follows : " XXXX HAS NO ACCESS TO THIS ACCOUNT BECAUSE THE DEBT HAS BEEN RETURNED TO DISCOVER ''. COMPLAINT ID XXXX QUESTION : Why did XXXX send the full {$6600.00} to Discover? Why not send it to The XXXX XXXX? Why not brake the monies and pay my Debt to Discover and The remainder send it to The XXXX XXXX? Wasn't it THAT XXXX HAS NO ACCESS TO THIS ACCOUNT???? I smell a big fish here. I think LaVrar wants to collect from the check from XXXX a fee and The Managers at XXXX DO NOT KNOW WHAT TO DO BECAUSE THEY HAVE NO ACCESS TO THE PREVIOUS HISTORY OF THE PROBLEM AS Mr. XXXX XXXX. I trust he will resolve wisely like he did in my first complaint. Please call him ASAP before you make a mistake. Thanks.
Company Response:
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2019-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-03
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: In XX/XX/XXXX I closed Discover credit card ending in XXXX because they approved a payment to a company that used an old discover card number that I did no longer wished to do business with. I had told Discover to close that old credit card and make sure no one gets paid form that old credit card number. I trusted Discover, but they ignored my request, and went ahead and paid the vendor who I did not wish to continue having involvement with. It is because of that, that I refuse to do business with discover. In XX/XX/XXXX, Discover had an overpayment of {$260.00} from me. I asked them to refund me, and whatever payments they ahd that were outstanding, that the vendors and I will have to sort that out. Today, at XXXX : XXXX XXXX XX/XX/XXXX, I called DIscover asking why they had not refunded me {$260.00} that was overpaid. They said that since I " CLOSED '' the account, they honored a {$25.00} dispute I had with XXXX XXXX 's because they " DETERMINED THE CHARGE WAS OK> Please have discoer shoW me the signed payment, for if it is not signed, I refuse to honor it, AND THEY must refund me. If one changes the credit card number so that vendors do not continue accessing one 's credit card, it is my decision if I want to pay such a vendor or not. If I wish to pay the vendor, I will give them my new credit card number to continue the relationship. I deliberately " lost '' the credit card in order to assure that the vendor will not pay a vendor one does not wish to. It is not Discover 's authority to use my . This is why they must be denounced for illegal business practices. They said that they also honored a {$95.00} payment for XXXX. That is also wrong because I have a new arrangement with XXXX, so why did they pay when I told them to close my account? SO, I denounce discover for theft, and they owe me {$260.00}. Until I get that $ refunded, I keep my claim of theft against Discover for stealing my funds.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-04
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: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2019-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A