Date Received: 2019-11-19
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I have been the victim of identity theft fraud, and my attorney has submitted several disputes to the credit reporting agencies along with proof that the accounts and bankruptcies were fraudulently filed in my name. They have yet to delete any of the accounts, and the BK Filing. They are holding me hostage to a debt that I did not create. I have been disputing the fraudulent bankruptcies for over three years now, and still no changes. I need help assistance immediately.
Company Response:
State: IL
Zip: 60440
Submitted Via: Web
Date Sent: 2019-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-18
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: Refund check # XXXX was issued to me on XXXX in the amount of {$720.00} for overpayment of personal loan. I discovered this uncashed check in a folder in early XXXX XXXX on XXXX, I contact Customer Service and requested a re-issue of the check with XXXX XXXX XXXX stated she would look into it and return my call within 10 calendar days. On XXXX, I again contacted Customer Service and talked to XXXX. XXXX stated they had been unable to located the check information and would send a check in the amount of {$100.00} for the inconvenience of not locating any information for check # XXXX. I received this check and cashed it. On XXXX, I called Customer Service and explained the entire story again to XXXX who transferred me to XXXX. I explained my situation again and request re-issuance since the original check is in my possion. I offered to send her a copy of the check in hopes it would assist them in identifing the original amount due in their accounting system. XXXX stated there was nothing they could do to resolve the issue. I requested to speak to the accounting department which she refused. I also requested to speak to a supervisor to which she responded there were no supervisors on duty but she would pass on my concerns. I have not received any contact as of the writing of this complaint.
Company Response:
State: IA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-18
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XXXX claimed they delivered a package to my address, which I never received Listed below are the delivery facts from the USPS regarding shipments XXXX & XXXX, with the supporting documentation enclosed. I. There was no signature II. The packages were delivered to zip code XXXX. a. There are XXXX souls living in XXXX dwelling units in ZIP code XXXX. XXXX provided no information that the package was delivered to my address, let alone signed by anyone. The only information provided shows that the packages were left at or near the mailbox in one of XXXX dwelling units. At or near mailbox does not indicate that the package was even placed inside of a secured area, let alone a secured area in my building. How am I being held responsible for a package for which there is no proof that I received? XXXX for a small fee, {$.00}, could have requested delivery confirmation from the USPS. This would have ensured that an authorized agent signed for the package. Alternately, XXXX could have ensured the packages for approximately {$4.00} each. There is no evidence to support that I received the packages.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2019-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-18
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Today XX/XX/XXXX, It was brought to my understanding, by way of a customer service rep, that Discover has completely mislead me and intentionally manipulated how my payments are applied to my account during a promotional offer period. I opened my Discover account using a balance transfer promotion of 18 months ( set to expire in early XXXX ). Since I have available credit beyond my initial transfer amount, I have been using my card for daily transactions since they offered a 0 % intro APR thru XXXX XXXX. I make a payment EVERY Monday morning to offset any transactions I made from the prior week. For example, if I made {$300.00} in transactions last week, I make a {$300.00} payment that following Monday to offset the increased balanced on the account. As my intro period is drawing near, I called today to ensure the amount I had calculated as my overage amount ( daily transaction balance above initial balance transfer ) was indeed accurate as I planned to make a payment bringing the " overage '' amount to XXXX. It was on this call that I discovered that EVERY payment that I had made to " offset '' my daily transactions was indeed NOT going to that amount but rather being applied to my initial balance transfer promo that doesn't even expire for another 12+ months. When I suggested to the CSR that essentially, I should have not used the card in ANY form until the balance transfer was completed, she agreed and said that she apologies for this not being explained to me when I opened the account. This entire experience has left me completed frustrated and feeling mislead, manipulated and on the wrong end of deceptive practices by Discover. Had I known that any payment that I made above and beyond my minimum payment would be applied towards a promo that ends 12+ months from now and NOT a promo that ends 30 days from now I would have NEVER used this card in any shape or form. Now I'm left holding a considerable balance subject to a HIGH interest penalty in some 30 days because I was misled by advertising and the poor practices of Discover and because my payments were misapplied. Both the CSR and a Supervisor are both telling me that the payments can not be re-applied to the correct promo, which I believe to be incorrect, based on the fact that I currently work for the largest issuer of private label credit cards in the world and payments are effortlessly re-applied to the correct promo often. I will never use this card again ( plan to cancel the very second my payment posts that brings my account to a XXXX balance ) and NEVER use a Discover product again in my life. Social Media, my family, friends will surely know about this terrible experience that I've had with Discover. I'm completely floored right now that this is happening and that Discover can care less and keeps offering the same slap-in-the-face " talk-off '' that not only doesn't true address my issue but gives NO effort to help resolve and keep what would have been a life-long customer.
Company Response:
State: OH
Zip: 44012
Submitted Via: Web
Date Sent: 2019-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I recently applied for and received a Discover card. I used it once for a purchase - without incident. On Wednesday evening ( XX/XX/XXXX ), I went online to make two purchases. One with XXXX and the other with XXXX I completed the first purchase with XXXX - without incident. I started the second purchase with XXXX. Whilst I was busy with the second purchase, my phone rang and an automated system asked me to verify whether or not it was I who made the first purchase. I completed the automated system advising that it was myself who made the first purchase and continued with the second purchase. The second purchase was declined. I thought I might have entered the card number erroneously and reentered it. Again - declined. I called Discover Card and got a live representative - explained the situation and was told ( for the first time ) that the FIRST purchase had been declined. Neither Discover nor the merchant had advised me electronically which immediately erased my positive thoughts about receiving an automated phone call to verify whether or not it was I who was making the purchases. I asked the representative to approve the first purchase since ( by now ) I had completed the automated phone verification, responded to their text message regarding the same issue and now, I was confirming ( live ) that it was my purchase. No, she said. I would have to start the purchase from scratch for they were NOT able to approve the charge. I was annoyed as you can well imagine. I asked her to remain on the line whilst I completed the second purchase to be sure that it was approved. She did - and it was approved. Then I asked for a supervisor ( hoping to have the first purchase approved ). Well - the supervisor was not about to listen to my tale of woe. I was told that I had to make the purchase again from scratch. Clearly I had no choice - I was going to HAVE TO start again. I told the supervisor ( who was unable to assist me with anything ) that I was of good mind to close my account. Suddenly he was able to help me. He asked if I would like him to close to the account immediately. I found that to be very unprofessional indeed. All the while this is going on, a friend ( who is a representative of XXXX ) was hearing what was going on and mentioned that is a XXXX representative was arrogant enough to ask a client if he/she could assist in closing the account immediately, that person would be brought to task. I told the supervisor that I would close the account when it suited me. He said he was only trying to help. I find that inappropriate. You would think that this is the end of my beef with Discover. But Wait! I took care of the first purchase again from scratch and it was approved this time. On Thursday, I now have two messages from the vendor. Guess What! BOTH purchases are now approved and en route to me. So - I have spent double my initial budget. I am going to receive the order twice. When I do, it will be up to me to dispute one of the charges with Discover. Then I am going to have to wait for them to clarify the refund with the vendor which they will not get approved until I, at MY expense, return the items that have been duplicated. So tell me - why am I in any way shape or form responsible for all of this nonsense? Who is at fault in this case? Me - the customer / The Vendor / Discover? I did not create this drama and yet, I am the one that has to unravel the drama. On Friday night XX/XX/XXXX, I communicated with Discover one more and was advised that I could Not dispute the charge and that I should contact XXXX. I did on the telephone number provided. The problem is that the voice mail box is full and one can not get through. I tried to dispute the charge online only to learn that 'since I did not cancel the order 8-hours after placing it - I could not get a refund '. Why would I have cancelled the order 8-hours after placing it? I was advised on more than one occasion that the charge had been declined and I would have to replace the order. So as I write to you, I have 2 orders winging their way to me from XXXX ( I believe ) and it is up to me to unravel the situation. I did call Discover again and found someone who would listen to me and take action - I believe that the charge will be disputed although even as I write to you this Sunday morning, BOTH charges still reflect on my account. Be that as it may, even IF the charge is disputed in my favor, it appears that I am still going to receive the goods twice and when I do, who is responsible for returning those not wanted ( for it is a 100 % double order ) and WHO pays the shipping cost? Not Me! I did not order them twice. and after following explicit instructions from Discover, I refuse to waste my time going to the post office and more so, for paying for shipping items I did not order.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2019-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-16
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: Between XX/XX/XXXX and XX/XX/XXXX there were over {$4000.00} in fraudulent charges made on my discover Credit Card. Most of which were online through money broking companies ( XXXX, XXXX, XXXX .... ) Other charges were made by using the card # 's to purchase State Lottery tickets that yielded the culprit a percentage of the cost of the lottery tickets. Which was ALL profit, due to the fraudulent use of my card. I have had the card for 24 years, and never a problem or late payment. Even when faced with better offers I chose to stay with Discover due to their % 100 money back guarantee concerning non approved charges, Theft, and FRAUDULENT charges.. They initially reversed all the charges and sent me a new card ; living up to their claim of having my back % 100. This was last Winter/Spring. They decided to retroactively reinstate ALL the disputed charges .... ( Pause ) .... THE REAL kicker is, I not only was given NO REASONING, I was not given a heads up to the charges either. This has caused so much collateral damage, I have no choice but to take legal action if this can not be settled to my satisfaction.
Company Response:
State: MO
Zip: 63376
Submitted Via: Web
Date Sent: 2019-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-16
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 have attempted to resolve a dispute with XXXX for months with them in excess of 3000 dollars. XXXX has said I am due the refund, the item has been proven returned and the lack of refund is merely a formality. They will not speak with XXXX for me to clear this up. I have spoken with them and XXXX for hours each day for over a month with no resolution. I have submitted multiple photos for evidence.
Company Response:
State: TX
Zip: 76107
Submitted Via: Web
Date Sent: 2019-11-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-16
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: This complaint is about charges made to Discover credit card no. ending in XXXX. InXX/XX/XXXX my wife and I changed banks from which our credit card bills were debited- from XXXX XXXX XXXX to XXXX XXXX . Discover was notified on their website of this change and also a change to Discover credit card no. ending in XXXX. Discover made the change on XXXX but tried to debit {$3000.00} from XXXX XXXX XXXX for XXXX from which we had reduced funds that would have covered that amount. We added funds back to XXXX to cover the amount. Discover then debited {$3000.00} from both bank accounts for the same month. Discover subsequently credited one of the charges. But, on XXXX Discover made a charge on XXXX for " ACH Funds Transfer Reversal '' of {$3000.00}. After examining the bill for XX/XX/XXXX to XX/XX/XXXX and finding this charge, I called Discover on XX/XX/XXXX. The Discover associate acknowledged that an error had been made and we would have that amount credited back to our XXXX XX/XX/XXXX account. No credit occurred. On XXXX XXXX I called Discover again to ask about the credit and was told it would be credited. No credit occurred again. On XX/XX/XXXX, I called Discover again and was told that the above amount had been sent to our account at XXXX on XXXX XXXX. Contact with the bank showed no deposits had been made for that amount to any of their checking accounts. Discover so far has refused to credit the {$3000.00} that we are owed. We need help in resolving this matter.
Company Response:
State: TX
Zip: 76126
Submitted Via: Web
Date Sent: 2019-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-16
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I tried to work with the credit card company Discover, but they wouldn't work with me on what I could afford due to not working while fighting XXXX, now they call me from some bogus phone number and want me to call them, they call me every single day at least once sometimes several times. I've told them that my situation hasn't changed and that as soon as I can do something to begin payments I will contact them but they are still calling every single day.
Company Response:
State: VA
Zip: 24017
Submitted Via: Web
Date Sent: 2019-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am graduating school in XXXX. I contacted Discover Student Loans multiple times to find out what my payment would be. They have refused to just tell me what the payment will be, and said they would mail me a schedule when the online link wasn't working. The first attempt to mail never arrived. The second attempt is outdated and shows payments as though I had been paying since 2008 and hadn't deferred while in school. I still don't know what my monthly payment will be or my payment schedule and it seems like Discover is being purposefully deceptive.
Company Response:
State: CA
Zip: 946XX
Submitted Via: Web
Date Sent: 2019-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A