Date Received: 2019-11-22
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Discover hire a law firm that taking me to court and lie to the judge on the balance my is XXXX and not no XXXX the lawyer show me the right balance of XXXX got in court and told the a lie I am trying to pay this off but they giving me the run a round and now I have to go back to court for a garnishment this go to far its not right a no one should have to go though this something need to be done I dont want no one to be change like this the lawyer discover card hire in not right and take this for a joke I dont see know right in this this unfair let me pay what i used on the card need to be fair. And thanks
Company Response:
State: VA
Zip: 23321
Submitted Via: Web
Date Sent: 2019-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Discover card continues to falsely claim to the Consumer Financial Protection Bureau that the subsequent complaints in which I file are merely a duplicate. However, the clerk who originally replied to CFPB complaint number XXXX did not address the full complaint. Specifically, the consumer requested that new account ending in XXXX be closed. Discover card failed to acknowledge that all credit reporting will reflect " account closed by consumer ''.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Company claimed that the debt is mine. I never had an account with the company. They refuse to send me any information with my signature on it or original document/ contract with my signature on it agreeing to open claimed account. This false report is impacting my credit and ability to obtain a job and home.
Company Response:
State: NY
Zip: 14609
Submitted Via: Web
Date Sent: 2019-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On Wednesday XX/XX/2019 I attempted to open an online Discover savings account. During the process, it asked me to initiate a one-time transfer from XXXX XXXX XXXX for {$15000.00} to fund the account. Near the end of the process, the application errored out. I was unable to get an account number or log in info- nor did I receive any texts/emails that an account was opened. I called in to get the information. I received the account number and then was able to register and create an account online. After this, I checked my transfer activity- there was no transfers listed. So I initiated a one-transfer for {$15000.00}. Today on XX/XX/2019 I see that now my transfers were completed twice- overdrafting the linked account. There was no indication that 2 transfers were pending or occurring. Even logging in, it only shows one completed transaction of {$15000.00}. This bank 's technical difficulties have overdrafted my original linked account, without letting the consumer know that an account was even successfully opened! I would never have known if I didn't call in right away.
Company Response:
State: MD
Zip: 21224
Submitted Via: Web
Date Sent: 2019-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-22
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: On XX/XX/2019 I purchased a pair of XXXX XXXX XXXX XXXX XXXX XXXX size XXXX using my Discover credit card. The seller described the shoes as authentic and charged the high price authentic shoes. When I received the shoes in the mail, it was very evident the shoes were illegal XXXX counterfeit fakes. The seller refused to allow a return or refund and completely defrauded and ripped me off. I filed a chargeback dispute with Discover shortly after being denied a return from the seller on XX/XX/2019. On XX/XX/19 Discover denied my dispute in favor of the fraudulent, criminal seller. I presented evidence from an authorized XXXX retailer that detailed the shoes were counterfeit but Discover still decided to recharge me and deny my claim. The seller presented falsified evidence to Discover and their fraud team failed to recognize this. On XX/XX/19 I received the dispute package with all the merchant 's evidence. The seller submitted a fake store receipt for the purchase of the shoes he sold to me. The receipt was dated XX/XX/19. I bought the shoes from the seller on XX/XX/19. How can a seller sell an item on XX/XX/19 but show a receipt as evidence that the purchase he originally made was on XX/XX/19?! This idiotic criminal seller wasn't even bright enough to create a fake receipt that is dated correctly and you all at Discover still fell for it and penalized me.
Company Response:
State: CA
Zip: 90247
Submitted Via: Web
Date Sent: 2019-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Paid off balance. I always got paper statements although rep says that I opted out of paper statements. Paid off balance, was not called apparently because there was no consent agreement to call me. Went through consent agreement to call me with rep. Then called Discover to rectify issue because I never had a missed payment and this was all miscommunication. I informed them that I spoke to rep that said that was my payoff and was not informed of residual interest. They then informed me that they did not see any record of that phone call. Then informed me that they still did not have consent to call me, even though I went through it with previous rep. Informed them that there is a lot of mess up and miscommunication within Discover, which is what led me to a negative inquiry on my credit report. Stated that same way Discover has no trace of my phone call for pay off, is the same way they have no consent to reach out to me even though it was completed. Rep from web services says she saw the consent was completed and a copy was sent to my Discover inbox XX/XX/2019, however on other end was being told it was not done. Informed them that this is a mistake on their end and they should fix the reporting especially after being a customer for over 5 years and not one single missed payment, then paying off balance and getting hit with negative inquiry, manager would not budge. Told me that he was sorry I felt that way but it was reported accurately. I informed him that I just paid off over {$2000.00} debt, I would not run from a {$43.00} payment as my email shows. Although previous rep noticed the miscommunication and removed late fees and took my payment immediately. However through all of this, Discover raised my credit limit to {$4000.00}. If I did not have a great payment history, and if this does not seem to be a miscommunication on their end, why would a creditor raise the credit line for a consumer that is bad about making on time payments? The response to that question was oh wow. Im typing this as I am waiting on hold with discover for over an hour to get a copy of the original consent agreement that their web services see was in my inbox, however they have no trace of. screent shot of that was also included.
Company Response:
State: AZ
Zip: 85308
Submitted Via: Web
Date Sent: 2019-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have a Discover cash-back credit card since XXXX with no unusual events. On XX/XX/XXXX, I received an email to join a 5 % cash back promotion ( attached a copy ), and I successfully activated the promotion. Suspiciously, a few weeks later, I received a new card in the mail, with the same card number, but different benefits ( travel, miles card ). The note says nothing about why Discover changed my card arbitrarily and without contacting me, let alone getting my permission. On XX/XX/XXXXat XXXX EST I called Discover customer service, and after speaking to a supervisor I was told that the issue would be fixed immediately. I was instructed to keep using my cash-back old card, discarding the new miles card without activating it. I followed the instructions explicitly. On XX/XX/XXXX I logged in to my Discover home page, and was stunned to find out that the card on the account is actually the new, never-activated, miles card. The card number is the same as my current cash-back card. There is nothing about the 5 % cash special promotion cash back as well. I then called the customer service ( on XX/XX/XXXX, XXXX EST ) and was told that the supervisor from the prior call was wrong, and that Discover can't revert the card change, nor providing me the 5 % cash back that was promised. I asked to be transferred to a supervisor, and the call disconnected. I have never received any call back.
Company Response:
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2019-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A creditcard from discover was opened in my name sent to a address I never lived at state I don't live at or have opened online. I have communicate with them and did a fraud process and they told me the reason my claim was denied is because a airline ticket was bought. I asked was it in my name and do they have proof I boarded the plane, no was the answer. Then the account was closed due to return checks and non payment
Company Response:
State: CA
Zip: 95758
Submitted Via: Web
Date Sent: 2019-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-21
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Discover card refused to service my account. I had several issues and I tried to get answers from Discover via electronic messaging chat, but Discover informed me that it does not service customers who prefer to communicate via written messages.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2019-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response:
State: SC
Zip: 29445
Submitted Via: Web
Date Sent: 2019-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A