Date Received: 2019-12-04
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: FL
Zip: 33027
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: 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: XX/XX/XXXX XXXX XXXX {$180.00} Fraudulent Charge Posted XXXX I Filed Dispute with XXXX - XXXX XXXX XXXX Denied My Claim XXXX I Filed Dispute with Discover - XXXX Discover Denied My Claim
Company Response:
State: MN
Zip: 55414
Submitted Via: Web
Date Sent: 2019-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Discover was billing me for one of there products ( wallet account protection ) without my knowledge. They also went to paperless billing and I never saw any statements. As the owner of the account no effort was made to contact me. The fee was for less than 19 dollars and is affecting my credit score. I've made multiple attempts to clear this up. XXXX ( Supervisor ) - stated he was working to get this corrected. He is no longer with the company.
Company Response:
State: OK
Zip: 730XX
Submitted Via: Web
Date Sent: 2019-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hello, I had a second mortgage with Discover and sold the property. The second had a pre-payment penalty before making 12 payments starting XX/XX/XXXX. The property was sold in XX/XX/XXXX. I recieved a mortgage statement for XX/XX/XXXX that clearly states no pre-payment penalty on the statement. I was charged a {$480.00} pre-payment penalty. I called discover and they told me that if I was refinancing I would not have a penalty. But selling the property I do have penalty.??? My paperwork says no pre-payment penalty after 12 months of payments. Which I did make. This is rubbish trying to pass the buck based on tricky language. Either you have a pre-payment penalty or you do not. I did as my paperwork said, and reflected on my most recent statement. Please send payment to me accordingly.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Unfair business practices ; I received a letter on XX/XX/ 2019 from Discover Card Services dated XX/XX/, 2019 regarding a credit limit increase on the account. I have had the account going on 2 years and I have even paid the account off completely couple of times. Anyway, I had enquired about a credit limit increase cause it had been over 8 months since the last credit limit increase ( {$1600.00} ), and the account as I mentioned above has been opened going on two years with a perfect paying record, and is current as the present time. THe letter states that I was not eligible for a credit limit increase cause of ; " insufficient Experience with Current Discover Card Credit limit ''? I try to speak to a representative about it and all I got was ; " sorry we can't approve a credit limit increase at this time '', even though I have paid on this account on time every month, never missed a payment. The representative told me that on XX/XX/ 2019 that my credit score was " XXXX '' with XXXX, but that is not true, my credit score as of XX/XX/ 2019 was XXXX with XXXX and XXXX with XXXX ( see screenshot attachment of credit score ), both is good credit, and as of today 's date, the score is still the same. So what the rep told me was a lie. I believe I am being treated unfair regarding " not having credit extended to me for no good cause '', and I contend that after I told the rep that being rude is unacceptable cause " I am a paying customer '', and since my account has been open going on two years, perfect paying record, the credit limit increase should be applied without me having to ask for it. I am a good ; paying customer and I should be treated like it. My complaint regarding unfair business practices ( denying credit limit increase without good cause ), should be investigated. I can understand not extending credit limit increase if the account is not current, but the account is current and over a year old, so with holding a credit limit increase because of the reason ( s ) listed in the letter is not accurate and unfair business practice and biased towards me.
Company Response:
State: MS
Zip: 394XX
Submitted Via: Web
Date Sent: 2019-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-01
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I applied for Discover and was approved. Used card once on XX/XX/2019 at XXXX XXXX at XXXX XXXX XXXX in the amount of {$24.00}. I logged in and changed my card design to Rainbow design which i originally requested but Discover sent me a blue card and i added my spouse as an additional/authorized user. Tried to log in online but website said i need to verify suspicious activity and click to verify. I clicked and screen said i need to call fraud department. Called and verified all information. Lady said everything was fine. Tried to log into account and was given the same statement, need to verify suspicious activity. Card was blocked by Discover and still is. I have set up a bill pay in the amount of my purchase at XXXX, {$24.00} from our joint checking account ( my spouse and i have a joint checking account with XXXX XXXX Bank ). It is absurd for Discover to block my account.
Company Response:
State: AZ
Zip: 85021
Submitted Via: Web
Date Sent: 2019-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-30
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: A few years ago I had a credit card account with discover, this account was paid off in XXXX and was sitting dormant with a {$0.00} balance. Early XXXX I opened a new credit card account with discover. Then, I received an offer in the mail to upgrade my account to a discover miles account. I figured this was for my current discover card and activated the card. Turns out this was for the dormant account I havent used in years. The reissue was deceptive in nature as its only purpose was for me to use my old account. In no way did I request this reissue and in my opinion a violation of what reg z protects consumers from as this reissue was not necessary. I consider it a reissue since they sent the plastic. The confusion had a negative impact on me as I thought I was paying my credit card balance but I was only paying the ( 1 ) account I thought I had. Now I have a balance on a second account in which Im being charged interest even though I thought I was making payments. The old account did not show on my app and I was set for paperless statements. This account was so old that I created a new log in when I opened the new account, making it impossible to track purchases, balances, and non of my payments were applied to the right purchases so now I have late payments. XXXX used a reissue to a dormant account 24+ for marketing purposes which is both deceptive under UDAAP and a violation of reg z .
Company Response:
State: OH
Zip: 43201
Submitted Via: Web
Date Sent: 2019-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On the morning of XX/XX/2019 I was at an XXXX egg hunt and had placed my Discover Card in my pocket in case we decided to take the family out to breakfast. Sometime that morning I lost or had my card stolen but I didn't realize it was going until sometime later when I did contact Discover Card and report the card missing. A dispute was filed on XX/XX/2019 with the company for the charges totaling {$1500.00}. A few days later my account was given a provisional credit for the full amount plus interest. On XX/XX/2019 I received a letter advising my credit limit on my Discover Card was being decreased from {$6000.00} to {$4600.00} then three days later on XX/XX/XXXX a letter was sent from Discover Card advising the investigation was complete and they found no fraud had occurred on my account and I was responsible for the full amount plus interest. When the amount was applied back onto my Discover Card it put my balance around {$1500.00} over my credit limit which drastically increased my minimum payment due every month plus when the severe over limit balance was posted to the credit bureaus it caused my credit scores to drop over XXXX points and i was then unable to refinance my house and complete home improvements and repairs due to my credit being destroyed after my credit limit decreased and the fraudulent charges where placed back onto my account. I contacted Discover Card and spoke with the investigations department and was told my fraud claim was denied because the card had been used in businesses and restaurants where I had previously used the card in the past and the card was never used again after I reported it lost or stolen. I advised Discover that I live in a very small town so obviously the card would be used at the same businesses. when reviewing the fraudulent charges the card was never used out of my town of residence. After speaking with Discover Card several times I hired an attorney to contact Discover Financial Services. Several letters were sent to the company without ever receiving any response from Discover Financial Servies by mail and no attempt to contact myself or my attorney XXXX XXXX was ever made by via telephone either by Discover. This fraudulent activity that was placed back onto my account has caused a lot of problems including increased payment amounts and more importantly Discover Card purposely destroying my credit rating causing increased hardship.
Company Response:
State: NE
Zip: 689XX
Submitted Via: Web
Date Sent: 2019-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-28
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: see attached doc I have been fraud out of money ( {$27000.00} ) by XXXX XXXX and company for software he didn't deliver .... then he lied to discover card whit fake claims and discover failed to help me or explain me y i have to pay on something i haven't received i have been promised by discover card call backS which never happened the main point is i haven't received anything from XXXX XXXX and discover is trying to make me pay for even if i dint get
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2019-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The company reported to my personal report for a business account and also added inquiries for the business on my personal report.
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2019-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A