Date Received: 2019-10-10
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Made a payment through XXXX and later disputed it with Discover. On XXXX, the claim is showing as CLOSED IN MY FAVOUR but on Discover, the claim is showing as ruled in merchant 's favor. I've shown Discover all of the necessary documentation and they are still refusing to give back the disputed amount ( > {$300.00} ).
Company Response:
State: TX
Zip: 77089
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: Managing an account
Subissue: Banking errors
Consumer Complaint: A withdrawal from wells fargo was made on XX/XX/XXXX to open a discover savings account. The amount was for {$10.00}, 000. I went to my XXXX savings account on XXXX to transfer funds from my savings to checking in order to cover a check I wrote to a roofing company. When I logged on to XXXX XXXX my savings account was depleted to {$.00} 2 transactions in the amount of {$10000.00} were withdrawn from my savings account One was withdrawn on XXXX and an erroneous {$10000.00} was withdrawn on XXXX from Discover. I called customer service 3 times to be told that it was a known error and would be put back in my account within 2-5 days I called back because this was unacceptable There was no communication to me from Discover of their " known error ''. They apologized and repeated they would restore my funds within a couple of days. I asked to speak to a manager They told me a manager would call me back. Hours passed without a call. I called for a 3rd time and asked to speak to a manager immediately. I spoke with XXXX ( I think ) who was a supervisor. She again was very polite, repeated that this was a " known error '' but this time she promised that funds would be restored by midnight on XX/XX/10. I mentioned how upset I was that Discover never communicated the " known error '' and I felt very vulnerable with there lack of being proactive and to do right by me ( a new customer ). The supervisor said a message regarding the error detailing the issue would also be sent to me. Not only were funds NOT put in to my XXXX XXXX account I am still waiting on any form of communication regarding that the error. I feel like Discover has taken {$20000.00} from me with no explanation and a series of empty promises. I still cant access {$20000.00} and have no idea when it will be returned.
Company Response:
State: CO
Zip: XXXXX
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I opened my Discover credit card in XXXX of 2016 as a Secured Credit Card. Upon opening my card, Discover withdrew {$300.00} from me to hold as a secured payment and guaranteed me that my account would be re-evaluated after six months for me to receive my initial payment back. It has now been 3 years and 2 months and I have tried tirelessly to contact Discover and they will not give me my deposit back. They stated I would need to cancel the credit card to get the deposit back, but that would affect my credit report as it is the oldest card I have. This seems deceiving and I feel like Discover is using a deposit against me.
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2019-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX, I noticed XXXX trying to charge me {$160.00} dollars for a Payment Protection Plan. Upon calling them and having the fee removed, I also learned that they have been charging me this fee since I opened the account in XXXX even though I did not consent to have such fees applied to my account since I was still in college and could not afford much beyond the basic service. I can not access records beyond two years, but so far Discover has charged me {$2600.00} in Payment Protection fees dating back to XX/XX/XXXX. Upon further research, I also learned that Discover was ordered by a joint public enforcement action between CFPB and FDIC to reimburse {$200.00} XXXX to more than 3.5 million consumers back on XX/XX/XXXX. After speaking to a customer service representative, she said the best she could do was reimburse me for the past 6 months only. I find this to be a grave insult, and seek to be fully reimbursed for all fees paid.
Company Response:
State: CA
Zip: 90041
Submitted Via: Web
Date Sent: 2019-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/ Discover card took out a bank draft on my checking account for {$100.00} from the XXXX XXXX XXXX XXXX XXXX. The last time I did a payment over the phone was 18 months prior to this date. I was crystal slear they were never ever to do that again! This is the 2nd time they have done this! The 1st time we worked out now I am determined they need to pay the bounced check fees and the {$100.00} at the very least. Next time I will have to change /close/ reopen checking accounts. Is it possible to tack on a pain in the XXXX fee? How about a fraud fee for them to pay. So far there are 2 checks NSF fees {$24.00}, stop payment fee {$8.00}, {$35.00} returned check fee. I have told them in the past {$940.00} only goes so far as a retiree. I receive {$13.00} EBT. Which means $ XXXX {$50.00} to grocery shop with and food pantries.
Company Response:
State: NC
Zip: 27613
Submitted Via: Web
Date Sent: 2019-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XXXX, I received an email that my card account was closed. I called Discover customer service and they stated it can not be reopened and was closed due to inactivity. They attempted to transfer me to XXXX XXXX, who was closed and hung up on me. I called back was provided the number to that department directly. I called once they opened and was told the account could not be reopened. They stated it was closed on XXXX and a letter was sent that day advising me of same. The email I received on XXXX states it was closed effective the date of the email. Im receiving conflicting and wrong information from them. I just want my account reopened. Theyve closed it without notice which is bad business. Im a young consumer purchasing my first home. Closing my credit card can be harmful to my mortgage process.
Company Response:
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2019-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it and verification of my identity before entering into a contract ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.
Company Response:
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2019-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-08
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I have asked Discover Card, repeatedly, to stop marketing to me. I have told them I don't want their " convenience checks '' in the mail, and I have asked them to stop sending me their " Discover Bank '' unsolicited loan " offers. '' I even went so far as to CLOSE my account with them recently. But, when I told them the main reason I was closing my account was to get them to stop harassing me with their unsolicited loan offers, they had the temerity to tell me that the loan offers come from " Discover Bank '' and wouldn't stop even if I closed my credit account. They said they would transfer me to them to " request '' they stop, but instead they dropped the issue and ignored me. I have had enough. I have asked them over and over again to stop marketing to me, and they ignore me. At this point I wouldn't take a FREE loan from them. It seems like they are sending their obnoxious loan offers out of malice at this point, than anything else, as they can not possibly think I would do business with them now.
Company Response:
State: CA
Zip: 95747
Submitted Via: Web
Date Sent: 2019-10-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In XXXX I had a Discover credit card which went into collections and was ultimately closed in that same year. Discover confirmed with me that the account was in fact closed in early XXXX. In any event years after any kind of statute of limitations has run, in XXXX they filed a 1099 C Cancellation of Debt with the IRS. I never received a copy nor was I aware of this tax form when I filed my taxes in XXXX. In XXXX I was insolvent due to economical hardships and filed as such with the IRS on other debt that had been canceled that year. 10 years later -- XX/XX/XXXX the IRS has notified me of an issue with my XXXX tax return because Discover filed a 1099C without my knowledge. I have contacted Discover who says they are allowed to file a Cancellation of Debt this far out. That can not be correct, isn't a debt canceled when the company ceased collecting and the payor stopped paying? I requested that they issue a corrected 1099C form but was told the issue would go into their consumer fraud division.
Company Response:
State: CO
Zip: 80234
Submitted Via: Web
Date Sent: 2019-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-06
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a Discover card in early XXXX. I reported income that I expected to make in 2019. I was issued a card based on this information. I received a few emails asking me to call Discover. At first, I thought they were scam emails so I did not call. After receiving a voice mail indicating that Discover was trying to verify my income, I called the XXXX # on the emails. I was told that the income reported was not verified and therefore the card issued was closed. I hadn't used the card nor had it been activated. I asked why they would have issued a card prior to income verification and a response was not given. Unfortunately, this now shows up on my credit reports as a card opened and closed with a very short duration. This is affecting my credit score. I called Discover on XX/XX/2019 to ask if the open/closed account had been sent to the credit bureaus and if this was standard practice for situations like mine. The reply was " yes ''. Are credit card companies allowed to open a card prior to verifying income and then closing said card and then reporting said card as having been open/closed ( when card was never used or activated )? It's almost as if this was double jeopardy or adding insult to injury - denying card and then reporting it as open & closed. Discover said " yes '' to these questions. My credit score has dropped to XXXX and as a result, XXXX XXXX is increasing my interest rate from 7.99 % to 13.99 %.
Company Response:
State: CA
Zip: 92705
Submitted Via: Web
Date Sent: 2019-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A