Date Received: 2019-10-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Discover asked me for my information to do some verification. After giving me another hard credit pull, they just closed my accounts without reason. It hurts my credit score and history badly. I had only <5 % utilization with them. Always paid in full and on time. Called them and asked if I could provide additional information such as pay stubs, the agent told me they couldn't accept anything, and that's their decision.
Company Response:
State: NY
Zip: 11101
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, I paid down my Discover balance by {$7000.00} ( from around {$11000.00} ). The balance had been current with no history of delinquency per my recent recollection. The limit on the card was about {$12000.00}, so my payment freed up utility on my card and should have improved my overall credit. I had made multiple payments toward several current balances with other issuers in order to improve my credit and free up utility in my credit lines. Around XXXX of XXXX, Discover notified me that they were lowering my credit limit down to right around the remaining balance on my card ( about {$4000.00} ). I don't recall ever receiving an adverse action letter specifying the reason for the line decrease, and as a customer who had just paid down a significant portion of my current balance, I was surprised at the action taken. In an effort to understand what was happening and why, I called Discover and had a phone conversation with someone from their portfolio customer service team. The specialist informed me that some negative information on my credit report was the reason for the line decrease. When I pressed for specifics, he noted a XXXX card with a delinquency, a XXXX XXXX checking account with a delinquency, a XXXX delinquency, and a XXXX XXXX delinquency. Much of what he said to me regarding my credit report and the reason for the line decrease came as a complete surprise to me. I was aware of a {$100.00} delinquent balance on a XXXX card that I no longer used. I had an annual autopayment for a subscription set up on the card, and because I no longer used the card I was unaware that I even carried a balance. That delinquent {$100.00} balance was resolved in the summer of XXXX immediately when I became aware. Aside from the XXXX card, I had no idea what he was referring to when he mentioned a XXXXXXXX XXXX account, a XXXX account, and a XXXX XXXX account. I was admittedly flustered by the information that the specialist provided since none of it made sense to me. My first thought was that I was being scammed by some type of fraudster, and since Discover 's action of an {$8000.00} line decrease seemed severe, I proceeded to close / freeze the Discover card in fear that I would incur any further damage from a potential fraudster by leaving the card open. I immediately called XXXX to discuss my account standing, and after speaking with them, I confirmed that I never had any delinquency with them - my account had always been in good standing. I then ordered a record of my credit report in order to understand the comments the Discover specialist made about the XXXXXXXX XXXX and XXXX delinquencies as I didn't recall having any relationship with either bank. Upon receiving my credit report within a week or so, I confirmed I have never had any relationship with XXXX. I also did see a brief delinquency on a XXXXXXXX XXXX checking account in XXXX while I was a student and mismanaged a checking account temporarily, however that information was not new to Discover since I became a Discover card customer well after XXXX. Therefore it seems to me that Discover took a negative action against me that negatively affected my credit by lowering my utility, even though I had just paid back a significant balance, and they poorly and inaccurately communicated the reason why. After discussing everything that had happened with my husband, I realized that it was not to my financial advantage to close the Discover card, as maintaining current accounts over time improves credit. I only took that action in fear that someone was committing fraud against me, since Discover noted so many delinquencies with so many financial institutions all at once. My credit was also negatively affected by a large decrease in my credit limit with Discover, since utility thresholds are a major contributor to credit score. As someone who maintained my Discover card in good standing and who had just paid down {$7000.00} of my balance, I was expecting to improve my credit and continue my positive relationship with Discover. Instead, a negative action was taken against me and the reasoning for the action was poorly and inaccurately communicated. After considering everything that had happened, ultimately I just wanted to keep my credit in good standing and maintain my credit history and utility that I had worked hard to build. My husband and I called back Discover to discuss reopening the card and adjusting the limit back to the norm. They tried to let us know that they can not reopen cards. However, I am aware that cards can be reopened. Upon questioning Discover, they admitted that cards can be reopened but only when the closure was an error on their part. My husband and I tried to reason with them that the account closure was in large part due to their error, because although I verbally authorized the closure, I was doing so in fearful reaction to the inaccurate information they communicated about my credit report and overall financial standing. Again, my fear was that I had been targeted by some type of fraud and that inaccurate or fraudulent charges were affecting my credit, and with that thought in mind my first reaction was to just shut down / freeze everything with Discover. Again, looking back I wish I had the calm of mind to think through how to proceed rationally, but the inaccurate information that Discover provided caused a panic that I was in financial distress due to some type of scam or fraudster. After one last call another time to Discover where my husband and I pleaded to reopen the card and reinstate the credit line, again their team insisted that they had done nothing wrong. At this point, I felt totally wronged by Discover. I made every effort to be a good customer. I upheld my end of the card agreement, and yet they chose to take negative actions against me in a way that does not seem right for consumer finance. If Discover took similar actions against other consumers, I'd think the CFPB would want to investigate what happened to ensure it does not happen again.
Company Response:
State: PA
Zip: 19103
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am having a dispute with Discover over a payment protection that was not authorized. From I have seen on the internet they have been made to give refunds to many people. The only gave me a year and I wa n't them to refund everything they charged without my consent. It would probably be about another {$5.00}. Can you handle a dispute with a credit card company? If so what would be the fee? XXXX XXXX
Company Response:
State: MI
Zip: 48101
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: Problem with additional add-on products or services
Subissue:
Consumer Complaint: In the begging this year when I pulled credit report I found out that my husband had use all my identity ( ssn, tax return ... ) all tha information applied a personal loan last year around XXXX for XXXX under mecurrently going through divorce process ) i had call discover so many time and they told me is civil matter, i had called police also but they werent being helpful, my husband was tha one set up all tha account and stuff since he manage all the bills at home, and everything was done by him, jsut recently he start sent email to me, I just dun understand how can they approve the loan that easy without my signature and stuff, now my credit score is damage cuz is not being paid, i was hoping they can help me investigate but they didnt, they kept switch me from line to line and told me nothing they can do! Please help
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Discover Card has been contacted via the three credit reporting agencies for the last two years and also via the FTC/CFPB with no resolution to the incorrect reporting with the latest correspondence in XXXX XXXX this year. Discover Card double down on the damage it has done to my credit score, ability to get credit both personal and business not to mention the intense anxiety and angst this situation has caused me with continuing to violate FCRA laws. I am writing to Update the latest erroneously, deceptive, misleading current reporting that Discover Card is submitting to the three credit bureaus XXXX, XXXX, and XXXX. Discover Card issued a 1099C Cancelation/Forgiveness of debt to the IRS as well to me. Discover Card is still reporting to the credit bureaus that this debt is open, overdue, past due, etc after it has already triggered an IRS event which forced me to report this forgiven amount of {$14000.00} as income. However, Discover Card is still incorrectly reporting this amount as current open debt that is past due as of XX/XX/XXXX and that's impossible since this amount was reported as a forgiven debt income to me on my XXXX Tax Return. This is a GROSS Negligence to continue to report this information as if it's active collections, currently past due completely ignoring the action that Discover Card took on the account. This has cause grave harm to me and my family to continue to deceive readers of the credit file and to totally disregard Federal Credit reporting laws. DiscoverCard 's own documentation states that collection has been discontinued and the economic detriment it has caused by the IRS reporting as it actual income was passed to me when it was not. So this situation causes additional harm via additional tax owed, inquiries on top of the negative reporting of this account as if it is a current open debt owed to Discover Card.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Discover Card closed my account for inactivity. I had not used the account since last XX/XX/XXXX. I explained to Customer Service that I always made my payments on time. I always use this account for larger purchases and I had not made any large purchases in the last year or so. The other two reasons Discover Card listed. I have high balances on outstanding cards. All with 100 % on time payment. I only use a few cards to manage my credit. At 23 % interest the Discover Card is not my first choice for day to day transactions. Also Discover Card says I have no installment loans. I own my car and my {$900000.00} house is mortgage free. How is that bad? I asked to speak to the Retention Department. They informed me they could not help since the account was closed that the notice had already been sent by mail on XX/XX/XXXX. I told them I had not received anything in the mail - that the email was my first notification. I received an email on XX/XX/XXXX with the news. No mail was delivered on XX/XX/XXXX due to Legal Holidays. The email was my first notification received at XXXX XXXX CDT. I called Discover Card immediately. I have had this account for 6 years. By canceling my account - which is in good standing - never late with a payment - the reduction in my overall credit amount available of {$14000.00} hurts my credit score for future prospective creditors to examine. I am not hurting my credit score - Discover Card is hurting my credit score - Unjustly. This will cost me money on higher interest rates in the future.
Company Response:
State: TX
Zip: 76092
Submitted Via: Web
Date Sent: 2019-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is in response to an unresolved claim through CFPB. I never opened an account with this entity. I do not open such accounts online, electronically, or via the internet. This entity claims I opened an account with them online to obtain a line of credit. I have informed this entity they are incorrect and that I never opened such account. I will not utilize another entity such as FTC to validate my claim or fill out documents alleging a fraud has occurred, as I will not give any entity my personal information due to an occurrence I had nothing to do with. This is not my responsibility. The entity claiming I opened such an account needs to provide a written contract with my wet-ink signature thereon, as that is the only method by which I will open an account. Otherwise, it is proven I have no affiliation with this entity, have never done business with such entity, and do not owe a debt wherein said account exists. Attached are the three attachments this entity included as backing their claim against XXXX XXXX, all of which are invalid as they have nothing to do with me, XXXX XXXX. Also attached is my affidavit stating my procedure for financial contracts. Show me this contract on paper or there is no such contract.
Company Response:
State: AZ
Zip: 859XX
Submitted Via: Web
Date Sent: 2019-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-14
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I Got a fraud call from XXXX XXXX - XXXX XXXX XXXX at XX/XX/XXXX @ XXXX XXXX EST, asking for my VISA or XXXX or DISCOVER Card numbers to decrease credit limits. I said you are a fraud, and i am not giving any details - ( I worked for VISA so i recognized it as a fraud call ). Then i was shocked, when he gave my Discover Card Balance and other details. Then he said he is going to closing my account. I said this is not possible. Then he said he have complete details of Discover card to close them. Then i disconnected the call to contact Discover. Meanwhile i receive a call from another number XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, same person laughing and told my Discover Card account is closed. I was Shocked and immediately contacted discover support @ XXXX XXXX EST over Chat, and later @ XXXX XXXX over phone ), to report this fraud. To my surprise Discover Card Support said my account is closed few minutes back, and i said i haven't requested for it, and explained them what happened earlier. XXXX from Discover Card support said " we understand your concerns but they can not do anything as the request came from my phone number ''. I said this is a fraud call, and i want to escalate this, and fix this issue ASAP. XXXX from Discover Card said they can not do anything, and said he will send this details to accounts department. I asked for a ticket number, XXXX said he don't have Ticket number, but said this conversation was started on a Memo line XXXX.
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2019-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-13
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a letter from Discover ; the letter informed me they issued me a form 1099-C for the year ending XX/XX/XXXX and, after a review of the account, the form was issued correctly. First, I never received a form 1099-C from Discover for the year ending XX/XX/XXXX. Second, I should never have received this form in the first place - I didn't open the account, and I never spent on the account, so there was no income that I received - because I never opened the account and never benefited - in any way - from this account being opened. Apparently they are " still '' investigating this account as a result of my sharing documents that confirm that I was not living at my then home address then they issued the card, and their claim that they called me to confirm my application is untrue. Based on their statements, this investigation should be coming to a close and I should be vindicated. This letter about the 1099-C must be recinded when this investigation officially vindicates my claims of this account being opened via identity theft.
Company Response:
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a loan with DISCOVER FIN SVCS LLC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and DISCOVER FIN SVCS LLCwith no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2019.
Company Response:
State: PA
Zip: 15108
Submitted Via: Web
Date Sent: 2019-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A