Date Received: 2019-10-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Discover is reporting to all the credit reporting agencies that the line of credit is open, available for use. Its showing {$1400.00} available ; however they had suspended my account years ago with no immediate plans on opening it, so I technically dont have access to those funds.
Company Response:
State: NY
Zip: 141XX
Submitted Via: Web
Date Sent: 2019-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: Discover Card in XXXX NC made an UNAUTHORIZED DEBIT from my checking account on XX/XX/19 for {$100.00}. The last time was was authorized 17 months prior to this debit. I stated at that time this was 1 time and 1 time only!!! If they ever did this again I would report them. {$79.00} in fees later. I need them to refund the {$100.00} plus the {$79.00} plus a pain in the XXXX fee {$50.00}. If I have to close this account like a friend had to { yes it was Discover } because of this fraud the fee goes up to {$250.00} and whatever penalties you slap them with. For whatever reason they think a check by phone is whenever they feel like it. I am on EBT and doing the best I can ifinancially. I told them after I shut down the credit cards I would pay them what I could to pay off the balance. I have not lied to them or run from. Trying to find affordable housing, a job, education oppertunities has been difficult enough with out takin time to run around and take care of going to the bank twice, going to a vendor twice, multiple calls ect. I did not need or want this XXXX. 2nd submission got no response to the first one.
Company Response:
State: NC
Zip: 27613
Submitted Via: Web
Date Sent: 2019-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-18
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Because I filed a complaint ( XXXX ) regarding my personal loan issues Discover is now retaliating and not allowing me to use my Discover credit card. This is appalling and unacceptable! They worked in competence and when they elected to ignore the problem they created, I filed a complaint. They need to explain why they were not being truthful with your company and the previous complaint should have been resolved long ago. I made my payment on-time and my credit union have provided documentation that I have faxed over to Discover to prove their error. Now, why are they trying to prevent me from using my credit card? That personal loan account is up to date and all payments were made and are made in a timely manner, including my credit card payments. I am seeking a resolution to their bullying, not just any response. They have integrity issues just a response is not sufficient. Thank you.
Company Response:
State: NY
Zip: 10024
Submitted Via: Web
Date Sent: 2019-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My Discover credit card account was removed from all three credit bureau due to identity theft however within 30 days XXXX put the item back on my credit report without even notifying me, which is a violation of the FCRA because this item is now back on my credit report, my Fico score has dropped 87 points
Company Response:
State: NJ
Zip: 07112
Submitted Via: Web
Date Sent: 2019-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-17
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: The CFPB has jurisdiction over this matter because it concerns Unfair Deceptive and Misleading Practices ( UDAAP ). I am an employee of a business that applied for a BUSINESS credit card using my social security number with Discover, and this card was approved with the understanding that it does not report to my personal credit. It is industry standard that a business credit card does not report to an individual 's personal credit report. If i wanted a card that reported to my personal credit, I would have applied for a personal credit card not a business one. However, I was shocked to find out that this business credit card was reporting to my personal credit report as of XX/XX/2019. I never consented to this, as these business purchases have nothing to do with my personal life, and are now causing me harm in being denied a mortgage because of the small credit limit and recency of the account. I would have NEVER consented to having a business credit card report to my personal credit report. Discover is playing a bait and switch game with its consumers.
Company Response:
State: CA
Zip: 92024
Submitted Via: Web
Date Sent: 2019-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I sent out a dispute to discover financial about an account on my credit profile that does not belong to me. On XX/XX/2019 i faxed a dispute letter my social security card drivers license utility bill affidavit of identity theft and also a police report which will be included in this complaint. I received a response to my dispute from discover bank on XX/XX/2019 stating that the account ending in XXXX was found to be valid. In my dispute i requested that discover delete the trade line off of my credit report unless they conclude that the trade line item is verified, I requested details of there method of verification used to determine the accuracy and completeness of the information they included about me in a consumer report. In there response to the dispute they did not send over proof that the account belonged to me and they also did not send over there verification methods as i requested there response to my dispute will be attached as well. I spoke with a representative today XX/XX/2019 again about this matter i asked why are they trying to collect on a debt reported as identity theft and the representative told me that my affidavit and police report is not proof of identity theft. This inaccurate information that is being reported about me is causing me serious stress and damaging me financially.
Company Response:
State: OH
Zip: 45240
Submitted Via: Web
Date Sent: 2019-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-17
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On or around XX/XX/XXXX/XX/XX/XXXX I wrote out two separate Discover balance transfer checks to XXXX XXXX for {$900.00} and XXXX credit card for {$1700.00}. Each check was made out directly to each creditor and placed into their separate company envelopes. I walked them down to a US post office locked mailbox outside my office building. I work in a very busy office building with many different businesses and outside is a Us post office mailbox as well as a XXXX lock box. Two weeks went by so I reached out to both creditors to make sure they received the payment which at that time they had not. I contacted discover and was told that yes the checks were processed on XX/XX/XXXX. I immediately became concerned because I had just put them in the lock box a day or two before, the timing was concerning. I then reached out to both XXXX XXXX and XXXX to start an investigation. I went thru all of the necessary procedures with all three creditors to find out what had happened to the checks. I finally received copies of both the checks that had been cashed and I again immediately became concerned because the checks were signed and cashed by the same person on XX/XX/XXXX apparently to a chase banking acct. I immediately contacted Discover and explained the situation, at this point every person I spoke to didn't really seem to care or were concerned. I stressed on every conversation that I believed the checks were fraudulently cashed by some unknown person and each time my concerns were never taken seriously. I filed a case with the post office case # XXXX and I was told by the postoffice that yes there had been some incidence in our area where the mailboxes had been tapered with. I explained that also to every person I spoke to from discover again no one I spoke to seemed to care. I also told them that my boss had a check that was taken and cashed fraudulently from the same mailbox on or around the same time and again no one really seemed to care and in fact XXXX told me it appears that my office had an issue. I again explained to her that all mail gets walked down by me and dropped into a US post office lock box! I was instructed by XXXX that I needed to go to the nearest XXXX XXXX since that is where the checks were cashed and get a copy of source of receipt. My Husband and I on a Thursday XX/XX/XXXX drove 50 miles to the nearest XXXX XXXX to be told by the Bank manager that they could not help us that Discover needed to contact XXXX directly to resolve the issue. We called XXXX while we where in XXXX XXXX. She proceeded to argue with the branch manager stating that he needed to give us the information in regards to the account where the checks were cashed. The Branch manager had to explain to her how the procedure worked and that Discover needed to do an investigation directly with XXXX. My Husband and I were sitting in the middle of this very uncomfortable and inappropriate interaction from XXXX. The branch manager at XXXX was very apoligetic and couldn't believe the misinformation given to us. I contacted Discover that Monday XX/XX/19 and spoke to a superviser and found out that not one of the customer representatives had taken down correct notes. I had to again explain the entire story. She had no knowledge that the checks were placed into a secure lock mailbox once she realized what I had been stating I was finally transferred to the fraud Dept where I spoke to a XXXX XXXX on XX/XX/19. At this point he closed my acct so they could investigate the fraud claim. I then received a letter on XX/XX/19 asking for additional information I called and spoke to first XXXX then XXXX on XX/XX/19 and once again had to explain the entire story because the notes were not entered correctly. I also filled out the attached form and mailed it from my home to Discover. I just received a letter dated XX/XX/19 that they had concluded their investigation and found no fraud and I am responsible for the {$2600.00}. I immediately called and spoke to XXXX on XX/XX/19 and had to give him the post office claim # because once again no one had included that information into the investigation. He explained to me that it would go back to the disputes department but that the charge would still go onto my account and that there was nothing else they could do. This has been so stressful and time consuming, the customer service has been horrible. I have done everything to try to have someone take my concerns seriously and catch the person who committed this act of fraud.
Company Response:
State: MD
Zip: 21146
Submitted Via: Web
Date Sent: 2019-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Discover has known that I was a victim of identity theft, for many months. Discover instead of reporting the fraudulent application on the card they are claiming to continue to report to the credit bureaus which is fraudulent. Continues to close and create a new card number for this fraudulent account. They have done this 5 Different times now. This account is fraudulent, I do not care who they talked to. They attempted to try to dispute this account as Transnational fraud. When In fact the WHOLE ACCOUNT IS FRAUD. They called each merchant, and then lied to me. They told me they also spoke to Law Enforcement, but yet couldn't provide me with any contact details and they continually accuse me of opening the account, when I have never worked at XXXX XXXX, and I have never opened this account. I did not use this account, This was opened from an Identity Thief. Discover doesn't close the account due to identity theft instead they continually generate a new card number, and send it back to the credit bureaus. This account is fraudulent. I want this account removed from my credit reports as I did not authorize this account. You sent the card to a fraudulent address I have never lived at WHICH YOU CONFIRMED, on the phone to me that you sent the card out to a XXXX XXXX Address. That Address was blocked on my credit reports as fraudulent. I never received any card for this account. Therefore the account is fraudulent. This is not transaction fraud this is APPLICATION FRAUD. CARD FRAUD. IDENTITY THEFT. I will be getting my attorney involved if discover does not follow the proper laws to delete this fraudulent account, that I am not liable for because the bank account that was linked to it was also closed due to identity theft, and I have provided them with all this documentation including my affidavit which is attached below, and discover continues to fraudulently report this fraudulent account. They are not abiding by the FCRA Laws for Victims of Identity theft. Account # XXXX XXXX {$4600.00} Date Opened reported XX/XX/XXXX. Reported Closed XX/XX/XXXX with a new account number again. 5th Time they generate a new account number instead of closing the fraudulent account.
Company Response:
State: TX
Zip: 75002
Submitted Via: Web
Date Sent: 2019-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-16
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Even though I had 0 % credit usage on the card, Discover closed my account on XX/XX/2019. Before closing my account they did not notify me why or even tell me. This closed account has led me to have a lower credit score, and stopping me from continuing my relationship with Discover.
Company Response:
State: NJ
Zip: 08021
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XX/XX/XXXX credit card inquiry Discover bank XX/XX/XXXX credit card inquiry XXXX XX/XX/XXXX credit card inquiry These transactions were not done by me and I need them removed from my credit report.
Company Response:
State: MI
Zip: 49201
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A