Date Received: 2019-11-10
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: In XXXX, XXXX I lost my employment for beig ocnsidered " old '', and was bullied out of my employmnt after working for XXXX XXXX XXXX XXXX for almost 20 years without a blemish, almost perfect attendace, and in those years, I raised over {$70000.00} for the XXXX XXXX . I contacted all of my creidtors, made them aware that my wife and I were care givers to my XXXX year old Mother in Law, God bless her, who sufferred from XXXX XXXX XXXX since year XXXX. Mom died of XXXX in XX/XX/XXXX two months after being diagnosed at XXXX Hosptial in XXXX XXXX. My former Employer was aware of my diffculties, but elected to be arrogant, and made life diffuclt for me when I began to be absnet to care for my Mother In Law. I was dismisised and subjected to a visceral smear campaign where employees of my former Employer ( alll Women ), staged illegally placed old XXXX photos from the XXXX on the desk where I worked at XXXX XXXX XXXX in XXXX XXXX. ( I have the evidence )., The local NY State Homan Rights division " dismissed '' my complaint on grounds I had " Insufficient evdinece. ", meaniong, they did not want to raock the boat especially with a politicall well connected blue chip law firm XXXX XXXX XXXX XXXX XXXX, that represented my former employer. During my difficulties, I notified all credit cards. I had engaged XXXX XXXX in XX/XX/XXXX to help me reorgnize my dewbt, hoping XXXX would contact my creditors immediately to make them ware I was attempting a good faith effort to pay them all, under a reogranizaiton of my debt sinceI was out of work. I have letters to prove I contacted Discover Bank card ending in XXXX, XXXX XXXX XXXX ending in XXXX, and XXXX XXXX card ending in XXXX. A little over a year ago, XXXX XXXX allowed me to continue payin monthly at {$60.00}, the card ending in XXXX, but they refused to reduce their astronomicallly high interest rates So I am paying {$68.00} montylhy ( how they upwardly changed the amoun t form {$60.00} to {$68.00} is beoynd me ), and I'm paying {$50.00} extra on my checking account to reduce the balance still at over {$2500.00} with monstrous interest rates ( white collar extortion ), so I will finish paying XXXX in 5 years at the rate they squeeze me. I wish they would reduce the interest on the card even to 7 or 5 %. Discover card ignored my please, telephone calls, and XXXX ruined my credit by dbeing neglectful, allowed my cards to default so they could collect bonus/fees or claim they had reached " a settlement '', after all my credit cards had defaulted, which was to thier beneeficila financial interest. I found out and learned the hard way that I could negoitate settlements, so I did this with XXXX XXXX, XXXX, even XXXX XXXX which has amon the highest mafia style interest rates, on their claim they help consumers get credit again, at zenith interest mob like rates, no disrespect intended, I am grateful to them. I have attached a letter or law suite that was improperly served on me by Regular Mail, I recieved this document on Saturday XXXX, XXXX XXXX, XXXX whose contents state they are represented by a law firm in XXXX XXXX, NY I am in the XXXX, and the lawsuite is on behalf of XXXX XXXX XXXX ( notoriously unfriendly debt collectors ( I read the horror stories on the Internet ), and DISCOVER CARD. The problem I have with this pice of crrespondnece is that the lawsuite agaisnt me was filed XX/XX/XXXX. No one ever came to serve me in person, nor did anyone attmept to inform me, notify me of this excessively litigious effort, in spite of my numerous good faith efforts contacting Discover Card, and XXXX XXXX ( Arizona ) Attn XXXX XXXX ( a real difficult person to speak to ), in an attmept to arrive at a satisfacotry settlement of Discover Card. XXXX claimed she would settle at {$3500.00}, however, a reivew of the attached document shows XXXX/Discover acted in BAD FAITH, and are demanding {$4600.00} plus filing fees, and court costs. In other words, XXXX on behalf of Discover wants to have their cake, and eat it too! You can't on the one hand, make a proposal to setttle for less, and then go behind my back and sue me for a lot more. That is not fair. This kind of fiscal chicanery and wilful perfidy is a travesty of justice! The attached document was never served upon me personally, and I just recieved the attached documen by regualr U.S. Mail only yeasterday Saturday XX/XX/XXXX in my mail box! The lawsuit must be dismissed on gournds of unethcial improprer service of a Notice to Sue, and on grounds a settlement amount was previously proposed to me. The delay in responding to XXXX owed to the fact that my wife of over 25 years, had XXXX XXXX XXXX in the past, ( her Mom dided of XXXX last year asI described in the early part of this naraative ) and she is suffering from XXXX, I am also helping to pay afuneral bill for my Mom in Law ( she had no burial fund ), andthank God, I found work with a local government agency. I am getting back on my economic feet slowly. I need for Discover Card ( card ending in XXXX ), XXXX XXXX ( Card ending in XXXX ), and XXXX XXXX ( Card ending in XXXX ) to show good faith to me. I have never welched on my debts, and I am an honorable Man who long ago, went before the old military XXXX XXXX accompanied by my XXXX XXXX, the XXXX XXXX existed, and I attended a Hearing on my fitness to serve the military during the War in XXXX. No one at that time, least of al,, our government in Wshington, DC never asked me if I was willing to bear arms, give pu my life in a controversial War, however, I did not have wealthy, politically well connected parents who could afford to hide me in XXXX as hundreds of thousands of families did to protect their Sons and Daughters, I went voluntarilly before the Military XXXX XXXX and honorably represented myself accommanied by my XXXX ( I'm a member of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and an XXXX XXXX ). I did not run and hide from my duty as an American! These credit card companies are to be commended for giving me credit, however I need their help to pay them via terms that are truly fair to me, and which allow me to pay donw my oblgiaitons witohut bleeding me. My Wife means the World tt me, I must care for her. I love her deeply, and she is all I have in this Wolrd that matters to me. She is immersed in deep grief over her Mother 's death last XXXX, XXXX, and my Wife, God bless her, suffers from deep XXXX, she underwent very serious XXXX XXXX in the past.
Company Response:
State: NY
Zip: 10472
Submitted Via: Web
Date Sent: 2019-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-09
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/2019 Credit card was manually entered by a merchant that I did not do business with. The company forged documents and submitted those documents in the dispute case to my credit card company. The evidence provided by the company is clearly forged and no information providing my name on those documents or signatures from me. The dispute has been ruled in the merchant 's favor as of now. This was a fraudulent transaction. Please assist.
Company Response:
State: NC
Zip: 28786
Submitted Via: Web
Date Sent: 2019-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Discover card is invalid I was on during marriage. Other spouse took full responsibility for debt in our signed divorce agreement. I called discover card 1 year ago and they were not helpful at all. They were informed by myself and ex spouse by law I should not be tied to ex spouse debt
Company Response:
State: ME
Zip: 048XX
Submitted Via: Web
Date Sent: 2019-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Discover card is invalid I was on during marriage. Other spouse took full responsibility for debt in our signed divorce agreement. I called discover card 1 year ago and they were not helpful at all. They were informed by myself and ex spouse by law I should not be tied to ex spouse debt
Company Response:
State: ME
Zip: 048XX
Submitted Via: Web
Date Sent: 2019-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Discover card is invalid I was on during marriage. Other spouse took full responsibility for debt in our signed divorce agreement. I called discover card 1 year ago and they were not helpful at all. They were informed by myself and ex spouse by law I should not be tied to ex spouse debt
Company Response:
State: ME
Zip: 048XX
Submitted Via: Web
Date Sent: 2019-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-08
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I had a summons to XXXX County General Sessions Court today regarding the plaintiff Discover Bank vs XXXX XXXX. Discover Bank mailed new a letter stating ; the account has been charged off and XXXX XXXX XXXX is the business with the debt. The Tennessee Collection Service Board and Tennessee Commerce and Insurance Commissioner XXXX XXXX have repeated that they have no jurisdiction over Tennessee Foreign For Profit Corporations : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, and XXXX XXXX XXXX. All of these companies are active according to the Tennessee Secretary of State. I have a court hearing on XX/XX/2020. I want to better understand the jurisdiction of these companies mentioned above. Who has the jurisdiction over Tennessee Foreign For Profit Corporations?
Company Response:
State: TN
Zip: 377XX
Submitted Via: Web
Date Sent: 2019-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Discover card opened an account for me on or about XX/XX/2019, the company decided to ask me to disclose financial tax information with them from the Internal Revenue Service through a provider they use which is XXXX, the same company who has had a data breach. I am not providing this information for an account that they approved with a measly {$500.00} credit limit. They can keep the account and close it, it is expected that if they decide to report this account to any credit reporting agency, that I expect it to report as " account closed by consumer ''.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XXXX, I bought a pair of shoes form the website of XXXX at the price of XXXX through Discover it credit card, and I returned the shoes on XX/XX/XXXX, and then I made a payment of XXXX bucks on XX/XX/XXXX through XXXX XXXX, the bank statement says that the payment is finished on XXXX, but I didn't receive the payment in Discover account, my available credit is still minous.
Company Response:
State: KS
Zip: 66502
Submitted Via: Web
Date Sent: 2019-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-07
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I applied to Discover Bank for a credit card in 2018 after receiving a promotional offer for balance transfers and purchase charges of 0 % for 14 months. Discover Bank failed to honor their promotional offer, and began charging interest on purchase charges after 6 months. I called multiple times to dispute these interest charges and requested a credit back for them. Discover refused and suggested the promotional offer did not apply after 6 months despite the fact that it did. I requested proof of the original contract three times. Each time Discover promised to mail me the original agreement - and each time they failed to do so. I have attached to this complaint a copy of Discover 's promotional offer as it appears on their website today. The interest charges on my account are currently approximately {$230.00} per month. While the amount varies month to month based on activity, at this time Discover has overcharged me by well over {$1000.00}, and will not refund or credit back the overcharges and refuse to honor their 0 % promotional offer for purchase charges. Based upon Discover 's actions, they have improperly reported my account to the three major credit bureaus and are in violation of the Fair Credit Reporting Act. In addition, banks must send an interest rate increase notice at least 45 days in advance of the increase. This is a requirement of the Truth in Lending Act, a Federal law that protects consumers against lenders. Discover has violated this law by its failure to notify me of the increase in interest rate on my account.
Company Response:
State: FL
Zip: 33484
Submitted Via: Web
Date Sent: 2019-11-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-07
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Hi Contacted discover card fraud dept and the fraud claim was withdrew account number ending XXXX and I spoke to the lead fraud investigator and she refused to assist me and wouldnt put this secured credit card back on my credit file with XXXX and XXXX and it was blocked on the credit bureaus end by error and Im trying to get this account reinserted back to my credit file and discover refused to do so ... the account number is XXXX Discover secured card with a XXXX limit ... ..is not being reported to XXXX and XXXX credit file and I need to have it back on there so I can add history to my credit file
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2019-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A