Date Received: 2019-11-26
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Good morning all I am sending this so you ( XXXX XXXX ) have an idea of how this new process is already going downhill. I will be calling you at XXXX Arizona time and will wait on hold until you can come to the phone. Since you told me back in XX/XX/XXXX that you would hand walk this package forward, and it is now almost three months later, I need you to stand by that process and the revised rate you offered me back in XX/XX/XXXX and again two days ago. You can see based on the issues below that nothing has changed and Im actually in a worse place than I was when we started. Im losing contractors left and right. I need this to move at lightning speed at this point. I expect Discover to act with some ethics here considering the circumstances that are now severely affecting my ability to move forward and to be treated fairly. I need answers to the following from XXXX XXXX : Interest Rate The rate originally quoted to me was XXXX and XXXX back in XX/XX/XXXX. Discover had made an error in its quote apparently. So my rate became XXXX. I accepted that. Then on XX/XX/XXXX I redid my app as requested and Discover again quoted a rate of XXXX as evidenced in my screenshot. Discover confirmed that rate again the next day in an email from my loan officer. I expect Discover to honor the XXXX latest rate quote received just two days ago on XX/XX/XXXX and confirmed in an email on XX/XX/XXXX by my loan officer. You can not and should not feel it is ok to continuously gouge me and hide behind lending guidelines as the reason. The only reason the rate is different here is because of Discovers delays. Even if you hadnt quoted me the rates above, the interest rate was supposed to be based on my initial credit score of XXXX. My score dropped immediately after Discover made their inquiry, and now isnt being used because of your repeated errors and delays??? My understanding was that the new inquiry was only used to determine my debts and LTV not my rate. These delays have been repeatedly caused by Discover, not me. Why should my interest rate change because your company has made repeated errors and caused unnecessary delays? It seems very unethical to me that this is happening. Income You keep saying I have not earned overtime for the past two years, when I have been earning overtime for both XXXX and XXXXfor the past two years. According to my employer it is expected to continue. The guidelines Pia said Discover follows Appendix Q and it clearly states overtime and bonus income for two years which I satisfy per my : -Consistent bonus income in XXXX -Consistent overtime income in XXXX -Consistent overtime income in XXXX All of which youve verified with my employer is on the upward trend and expected to continue. I meet the guidelines for consideration of overtime per Appendix Q. Questions : What is the monthly income you are using as a total to determine DTI? What is the exact dollar amount ( TOTAL ) of other debt ( not housing related ) that you are coming up with that I need to pay off to be within the 43 % based on the above? Which years of income are you using in the income calculation? XXXX and XXXX? XXXX and XXXX? Since XXXX is basically complete XXXX should be considered.
Company Response:
State: LA
Zip: 70005
Submitted Via: Web
Date Sent: 2019-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Re : XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I received an email from Discover Card alerting me to a new charge posted to A past account which was closed in XX/XX/XXXX, activated in XX/XX/XXXX. The charge was a charitable donation {$15.00} made to the XXXX XXXX started by me in XX/XX/XXXX once a month and ended in XX/XX/XXXX. I was alarmed at a charge which was clearly fraudulent since the donations had ceased 3 months short of 2 years ago and which the organization, the XXXX XXXX did not seek authorization for renewal of the donation as evidenced by their lack of my current account number. I contacted Discover card immediately and spoke to XXXX, XXXX and XXXX and was very disturbed at their support of the transaction, stating that the charge was a result of a contract between me and the merchant, for a recurring charge that they could not stop or remove at my request, completely invalidating the fact that the charge had ceased in XX/XX/XXXX and was obviously Not recurring. They added that The only way to stop the charge was to contact the merchant. I contacted the XXXX XXXX organization on the same day and spoke to XXXX XXXX, Associate Director and complained re the unauthorized charge made by them on an old closed account. XXXX could not explain how that happened but agreed when I requested immediate cancelation of any donation resumed on XXXX XXXX. He agreed and promised an email confirmation. I then received a confusing unsatisfactory email which was an auto renew membership cancelation stating that my Monthly XXXX membership was canceled .... but that my Membership status was current. This was clearly a deceptive business practice aimed at setting me up for continued future charges. I then wrote XXXX a letter on XXXX XXXX which I emailed repeating my complaint which I reported to him by phone and noted that the email he promised referred to a continuation of a membership. I clarified that I had no relationship with the XXXX XXXX organization other than simply as a donor and as we agreed that since my donations are canceled, I have no other interaction with them. I again requested the cancelation notice I requested per our phone call. XXXX XXXX, I received an email from XXXX stating that my recurring donation membership was canceled and the XXXX XXXX {$15.00} charge was Refunded to me. On XXXX, I contacted the Fraud division of Discover card and spoke to XXXX XXXX I again filed a Fraud complaint re the events since XXXX XXXX with special grievance against the Discover card handling of the obvious erroneous charge made to me on my account. I received a new card with a new number. An investigation was done by them and concluded that the transaction was not authorized by me on both the Old account and the current account, however the notice did not make clear that the old account was closed. On XXXX XXXX, I contacted Discover card and spoke to XXXX XXXX re persistent confusion re the status of my accounts as the responses to my complaint in this matter were still referring to an account which was closed in XX/XX/XXXX. I requested that I be provided with written letter confirming the closed account, as I had from other creditors when accounts were closed. Pg 2 XXXX XXXX XXXX XXXX XXXX stated that written confirmation of account closure could only be done if I closed the entire account.I therefore closed It was clear to me that the Discover card management of my credit card placed me at high risk for Fraud by allowing charges on card numbers that were discontinued effectively eliminating my right to decide that I will inccur a charge or even be aware that one is being made. I therefore closed my entire account to protect my account from fraud. It was always clear that I did not authorize the charge that the charitable organization made since IF they reached out to me for my authorization to renew the donaton as they should, they would have asked for my new card number which both they and Discover card knew they did Not have. That is the procedure followed by XXXX XXXX and XXXX just to name a few charitable organizations to which I donate. At the present, Discover card has Not sent me a closure statutes letter and in addition, I continue to receive monthly statements under the last account number which had been given to me after my XX/XX/XXXX report to Discover Fraud Division. The statements I am receiving are that of an active open account which states under heading Important information ... .This email was sent to ( my email ) for Discover account number ending in ( the last card given after XX/XX/XXXX ). You are receiving this email because you are a Discover card member. I called Discover card on XXXX XXXX and s poke with XXXX memo line XXXX and he confirmed that my account was closed and had a negative balance aths I was owed {$4.00} which they paid me by check dated XX/XX/XXXX. I am asking that Discover send me an account closure letter and clear my status in their system since they are still sending me emails stating I am a member. I will re state that my relationship with Discover card consisted exclusively in a charge account ONLY and that charge account was closed on XXXX XXXX.
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Im the victim of identity theft and I dont recognize the account Discover Bank is reporting on my XXXX and XXXX XXXX reports. This inaccurate reporting is damaging my reputation as a consumer with my other financial companies. I have provide an FTC ID Theft Affidavit to XXXX and XXXX XXXX and they have both responded saying that verified the account to be accurate without providing any information in its regards to verifying how the account belongs to me.
Company Response:
State: TX
Zip: 76210
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-25
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I RECENTLY OPENED A CHECKING ACCOUNT WITH DISCOVER ON XX/XX/2019. I HAVE BEEN MAKING MINIMAL DONATIONS TO MANY CHARITIES. NOW HAVE, AFTER MY RESEARCH LEARNED 3 OF MY DONATION CHECKS NEVER MADE IT TO THEIR RESPECTIVE DESTINATIONS. I HAVE CONTACTED DISCOVER BANK, FEDERAL BUREAUS, CT DEPARTMENT OF BANKING, WHERE I WAS NOW YANKED TO YOU, THE CFPB. THERE WILL NOTBE ANY MORE DONATION CHECKS FROM ME GOING FORWARD UNTIL THE THIEVES, CRIMINALS HAVE BEEN ARRESTED, INCARCERATED. CONTACT ME IF YOU REQUIRE MORE INFORMATION USING EMAIL ADDRESS IN THE HEADER. THANK YOU.
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX XXXX XXXX sent me certified mail that claims to be a judgement for wage garnishment on a 15 yr old loan. The last payment I made was in 2010 to a different collection agency for the same Discover debt. This money should be barred according to NYS law.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XX/XX/2019 I opened an on-line savings account and deposited a {$4200.00} check from the US Department of Treasury ( my tax refund ). My on-line account indicated that the check was received into my account. Subsequently I tried to transfer some of the funds from this account to another account external to this bank. After several days of no action I contacted the bank and they informed me that the account had been closed due to 'suspected fraudulent activity '. They suggested the check was not valid. For several days they said they were reviewing the account. on XX/XX/XXXX they told me that they had closed the account due to 'business reasons '. However, they have accepted the deposit into the account, and by closing the account denied me access to my money. They have told me that they will issue a check to me after 60 days. It is clear to me that they have decided to close my account as they did not like that I was transferring funding out of the account, and there never was suspected fraudulent activity, but they will not state this. They are holding my $ without my consent and I believe this to be fraudulent activity by the banking institution.
Company Response:
State: TX
Zip: 78250
Submitted Via: Web
Date Sent: 2019-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-24
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2019, I received a promotion from Discover titled 'earn 10 % Cashback Bonus with XXXX XXXX XXXX ' from now to XX/XX/XXXX. The term said use the XXXX XXXX XXXX between XX/XX/XXXX TO XX/XX/XXXX and received 10 % cash back bonus within 10 weeks of the promotion end date. I made the purchase on XX/XX/XXXX of amount {$85.00}, I should get {$8.00} in my cashback reward account. It's been more than 10 weeks and I still did not see any promised 10 % cashback on my account. I contacted them in XXXX and the do not have a straightforward resonse. They just say you will see that within 10 weeks but I can not see that now.
Company Response:
State: NC
Zip: 27514
Submitted Via: Web
Date Sent: 2019-11-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-24
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was backed up on my credit card payments, so discover reached out to me and I shared with them I was out of work for 5 months. I wasnt able to make any payments so there for I spoke with a representative and told her on the XXXX of XXXX I will be able to make a payment of {$100.00}. Today the XXXX of XXXX they pulled out the amount. Thats not what I agreed on and I even have a email stating that was confirmed. Now my account is overdrawn and Im in a grievance because I dont have the money.
Company Response:
State: NY
Zip: 11412
Submitted Via: Web
Date Sent: 2019-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: OMG discovercard just copy paste the same exact false statements again & again after openly ignored my over 15 questions from case XXXX Lie 1, Not true that you couldnt contact me before XX/XX/XXXX. Lie 2, Fraud happened in XXXX reported around beginning of XXXX you only allowed less than 30 days investigation before your unilaterally paying & closing the ID theft case in XXXX, however i still managed to return your call from XXXX, and XXXX was the only rep who has tried calling me before XXXX. Our convo was to confirm that XXXX XXXX submitted ACTUALLY my LOST & STOLEN EXPIRED DRIVER LICENSE. Pls be mindful that i have faxed you my current valid driver license in XXXX later just to show you its a different ID., so you cant fraudulently use my faxed copy for the XXXX XXXX id theft submission although you have been hiding from me. Lie 3, You have never showed anything provided by XXXX XXXX, when you say XXXX gave you a valid copy of my id which is an obvious fraud contradicting from what i have confirmed with your agent XXXX before XX/XX/XXXX. Lie 4, when i have informed you by email inbox messages & by phone that i need over two months time abroad to handle parents death and you agreed to give me ample enough time for the investigation, yet you close the fraud investigation WITHIN LESS THAN 30 days after my phone convo with XXXX, NOT XXXX the actual investigator on your file. Lie 5, your so called invalid report was 1 of the two permanent reports, i gave you once the temporary # while abroad but later updated you with permanent report #. You cant be irreasonable and ignored all the valid legal reports and facts given. All these 11 months discovercard has put my credit through indescribable miseries took a lot of tolls on top of my households financial hardship. Per the two lost & stolen and ID theft police reports outlined, I demand government institutes like CFPB to do a legal audit on this discovercard fraud handling, to clear out all the lies above and much more discrepancies that have been mentioned in my previous case. PLS CONTINUE TO USE PREVIOUS ATTACHMENTS, COULD PROVIDE MORE UPON REQUESTED.
Company Response:
State: GA
Zip: 30093
Submitted Via: Web
Date Sent: 2019-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-23
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: In the apps says that Im over limits on my card and I wan na know why. It says that I have to pay XXXX for some payments that I made but I dont remember making them
Company Response:
State: NY
Zip: 10033
Submitted Via: Web
Date Sent: 2019-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A