Date Received: 2019-10-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: incorrect information on report
Company Response:
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2019-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DISCOVER FIN SVCS LLC has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Someone has accessed my information on all of my credit cards. Then made large payments that were returned. I have told all companies repeatedly that I use 1 bank and only 1 bank. Several charges were in other states, debit cards obtained, loan applications and many other things.
Company Response:
State: AR
Zip: 724XX
Submitted Via: Web
Date Sent: 2019-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hi Discover, I am a new to bank customer and proud to be! However, I have come to a road block and I need help. I was advised by your customer service reps ( please review the calls made on XX/XX/19, apologies for the raising of my voice ) that Discover Bank does NOT send alerts for suspicious activities or alert the customer for holds on purchases. I was baffled by this and could not believe what I was hearing! Your reps advised Discover will NOT alert the customer in any fashion of a hold or suspicious alert on the account, rather the customer ( me ) will find out in the middle of a transaction say purchasing groceries. I did research on Discovers website and found this : Dedicated Fraud Specialists -Our Fraud Unit proactively monitors your account for any unusual activity. If we see anything unusual we'll place a hold on those transactions and alert you right away ; Proactive Fraud Monitoring-Your account is monitored for potential fraud and we will alert you if we see anything unusual. If you do have fraud on your account, a fraud specialist will work with you until your issue is resolved. https : //www.discover.comXXXX XXXX : I purchased a gift card from an online retailer XXXX, which provides gift cards from various business at a discounted price ( XXXX XXXX XXXX ). I purchased 2 gift cards for {$16.00} each, I found out the purchase did not go through from the merchant right before I left work, I submitted another purchase and called Discover and spoke with a woman and advised me of discover not notifying its customer of this. Please see attached screen shots
Company Response:
State: TX
Zip: 78207
Submitted Via: Web
Date Sent: 2019-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: since XXXX I have unsuccessfully tried to reach out to Discover Student Loans for assistance with my private student loan repayment. I have sent countless emails, talked to several representatives with little to no help. I understand the debit is mine and I am not trying to avoid paying back my debt however I have stressed multi times the monthly payments are just not manageable!!! payment deferment is only a temporary fix - I need a long term solution. After researching student loan modification I stumbled across an article written back in XXXX by Discover Financial Services stating they would be offering loan modifications- the plan would lower interest rates on distressed customers - this option was not offered to me! I understand each situation is different an must be worked out based on each individually borrower. I like many others that are looking for a solution however many complaints show that borrowers who sought to negotiate a modified repayment plan were denied - Why???? Can someone PLEASE help me find a more management solution????
Company Response:
State: PA
Zip: 19606
Submitted Via: Web
Date Sent: 2019-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-10
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: XXXX XXXX is reporting late charges on accounts that are closed and r paid. XXXX XXXX XXXX XXXX I paid them off half deal they made with me XXXX XXXX 6 years old account that is closed saying Iam late the XXXX office has been giving me problems since I started fixing my credit. They dont like people on disibility its not my problem but discrimination is!!!
Company Response:
State: NJ
Zip: 08755
Submitted Via: Web
Date Sent: 2019-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I was denied a discover card for rebuilding credit. Not sure why? My friend has worst off credit and they were approved for XXXX the it card i believe or whatever card is for rebuilding. I try and to get my hockey team on it. I talk to associate and said i should be ok and then wasn't. No really response and not helpful. i think they judgmental and should approved all rebuilding and poor credit people so we can rebuild our credit score. I was approved before and now deny.
Company Response:
State: PA
Zip: 18045
Submitted Via: Web
Date Sent: 2019-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-10
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Company delivered printed personal financial information to my daughters husband while I was not present. No even in an envelope, just handed over all my personal info.
Company Response:
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2019-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-10
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 hired a XXXX XXXX company to remove a flying squirrel from my attic. The company was supposed to seal all entry points, retain the animal, place gutter guards to insure no re-entry was possible and lastly remove the contiminated insulation and replace it with new insulation. On XX/XX/XXXX, the animal had not been detained and the company started placing gutter guards damaging my gutters and my roof. I ultimately fired XXXX XXXX due to damages to my house. I then had to to hire another company, XXXX XXXX, to come in and do the work. XXXX XXXX, came, sealed the entry points, detained the animal, and started the insulation process. I was then billed by XXXX XXXX for {$3600.00}. I used my Discover Card and paid for the services in full, upfront. I disputed the fraudulent charges with Discover 3 times. I sent them pictures of the damages and Discover would not listen. Discover then sent me a letter stating the company was willing to decrease the bill {$790.00}. I continued to explain that the company failed to do as they had promised and damaged my house. I explained that the work was not done by XXXX XXXX but by XXXX XXXXXXXX and offered to send them a copy of the work orders received and paid to XXXX XXXX. Discover replied that they were trying to be fair to the Merchant and because they had shown written documentation ( fraudulent ) of the work being done by them they were entitled to be paid. They also stated that they would not accept 3rd party documentation ( an explanation and bill from XXXX XXXX ). They said the only way the charges would be reversed was if I got a letter from XXXX XXXX stating that they owed me money and didnt do the work. I have since cancelled my account with Discover, am in the process of filing a complaint with the XXXX XXXX XXXX, and a lawsuit against XXXX XXXX for fraudulent practices for not only is Discover billing me for their fraudulent services, XXXX XXXX is billing me for the fraudulent services, added on late fees, cancelation fees, and has reported me to a collection agency. Below is a summary of my experience with XXXX XXXX. ******I hired XXXX XXXX Removal to assist with a problem that I had in my attic. The company sent a representative out on XX/XX/2019 and it was deemed that I had flying squirrels. The company was supposed to trap the rodent, close the holes, remove the current installation, replace it with new installation, and place gutter guards. A contract was signed and paid in full via a Discover card. From XX/XX/2019 to the date that I had terminated the contract on XX/XX/XXXX. The following is a recap of my interaction with this company : 1. Unprofessionalism of the customer service representative. - Arguing with a customer about the wrong doing 's of a previous employee 's performance is unprofessional. Trying to explain that the poor performance displayed is as a result of former employee is unacceptable practices. In truth the original assessor ( XXXX ) exhibited the best work performance. - Agreed upon dates for work to be performed and completed not met. - Continued conversations about dates that are not available for the work to be performed and yet the work is scheduled on the times convenient for the office and the scheduler and not the customer. 2. Multiple conversations r/t arrival dates and times. Yet the service men showed to the residence with out knowledge that the appointment had been cancelled ( XX/XX/XXXX ). - On XX/XX/XXXX - Agreed the appointment was supposed to start between XXXX XXXX and when called to confirm a 2nd time the work was slated for XXXX and still one service man showed 1 hour after the other and the work still had not been completed. -The work that was performed was done on XX/XX/XXXX was poorly done. The gutters are pieced together and uneven. 3. The mouse traps places were only assessed twice since they were placed. 4. With each day of service wasted, I lose a days pay. To date, the original assessment date of XX/XX/XXXX was cancelled and rescheduled because of a conflict to XX/XX/XXXX. The work began on XX/XX/XXXX and needed to be continued. The service man showed on XX/XX/XXXX to complete the work but the weather was rainy, the ground was wet and unsafe and the area was too dangerous. I was okay with this rescheduled appointment. XX/XX/XXXX a service man shows only to find out that the work had been rescheduled and his assistant was sent to another job. On XX/XX/XXXX the appointment time for XXXX was scheduled for XXXX. The XXXX service man showed and the 2nd 1 hour later. After leaving and returning home I found the work to be incomplete and poorly/incorrectly done. The gutters were uneven and the nails sticking out. This is unacceptable. Thus, with great disgust and disappointment in this experience. I would again like my monies refunded, the work ceased immediately, and the materials returned to your company. I did get a return call from the owner demanding that I pay him. Again, I reached out to Discover and on many other occasions regarding these fraudulent charges and they refuse to listen stating they don't take invoices from 3rd parties. They reiterated that they believe this company has completed the work based on a fraudulent invoice they generated stating the work was completed. XXXX XXXX has contacted me numerous times trying to get me to pay even though Discover has already paid them. Discover should have not paid them because I reported it as fraud and I am not being double billed. I am in the process of reporting the company to the XXXX XXXX XXXX as well as I am pursuing legal action.
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2019-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-10
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: In Response to CFPB Complaint # XXXX " Discover is not responsible for the quality of the service. " ... Uh, no.. But the merchant is!!! That's why customers have the ability to dispute charges they authorized.. Hello!!! Customers can dispute charges they authorized based on what they paid for not being received. And I paid for both food of high quality and service ... We received neither!!! Eating two or three bites of an entire meal, is nowhere even near the same thing as eating most, or even HALF of the food and asking for a refund!! Discover may not be responsible for the quality of the merchant 's service, but it's their job to force the merchant to credit the customer if the service was not delivered!! This is part of Discover 's job, to protect the customer. No different than if fraud was involved. And this was fraud if you ask me!! All Discover had to do was send them my statement and tell them they were in my favor ... But no. Naturally, it was in theirs.. The merchant 's, as always. It's never in favor of the customer 's!! This is completely unacceptable, and I will give Discover one more chance to credit my account for the {$70.00} charge ...
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2019-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A