Date Received: 2019-10-05
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: DISCOVER BANK opened a new account in my name after I disputed the charges on a card that was stolen. My bank and other credit card companies did the same after dissolving the fraudulent charges, but not Discover. They are attempting to roll over the fraudulent charges to this new account. Why open a new account in the first place? This is an unethical act on Discover 's behalf because by law I can not be held responsible for charges that I did not make. Discover knows this, and has the responsibility of removing these charges which have been reported fraudulent. But instead they have decided to stick me with the fraudulent charges and charge me interest on the balance as well! This is extremely illegal.
Company Response:
State: FL
Zip: 32825
Submitted Via: Web
Date Sent: 2019-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-04
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2019, I applied for a Discover credit card. They said to call on the last page or Message them. When I went to Message them, my Internet browser froze. It was odd timing. I had to call them. Well, when I called Discover, they declined my application because they said I had a Credit Alert out and I didn't have access to the phone number on file. They refused to ask any identification questions like I've always done for all credit cards I've applied for while having a credit alert out. I was so angry I was screaming and crying at them. They said I had to call the credit monitoring company and have my phone number changed, my fraud alert dropped, and then reapply. It would ding my credit score. I'm too smart to do that. That is destruction of a person 's hard work and then lying that they could not work with me and ask identification
Company Response:
State: OH
Zip: 43119
Submitted Via: Web
Date Sent: 2019-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-04
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I received a piece of mail from Discover Financial about a personal loan. At the time my income was low and my credit score was very high. I thought it would be a good idea in my time of struggle when my business wasn't making a ton of money. I called the number on the mail on XX/XX/2019. I talked all the way through the process with a representative who was very nice. When it came down to the end she ask for my tax returns. Unfortunately, I left my corporate job 3 years ago to start my own company and we've reported a loss in our first 2 years of business which reflected on my personal tax return. We could not complete the loan, but I was still issued a hard inquiry. If we would have spoken about my change of income beforehand then we wouldn't have spend over an hour on the phone and I would have never had a hard pull on my credit report.
Company Response:
State: WV
Zip: 253XX
Submitted Via: Web
Date Sent: 2019-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I looked at my XXXX credit report ... and there is a discover card open in my name that I dont recognize and its has a XXXX balance on it and it was open in another state and its has a Washington address on it and I never lived in XXXX Washington .... and I disputed with discover and they put that account on my credit report and never ask for a police report from me .. and my credit is damaged and the fraud reps were rude to me and I cant get this account off my XXXX credit report .... and I never applied for it .... the account number is ending XXXX and I lived in Texas that matches my driver license and I only applied for a discover secured card dating back in XX/XX/2017 that I paid off ....
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2019-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Debit account at Discover bank promises 1 % " back money payment '' for purchases made with debit card attached to that account. In XXXX I made purchases for a total of more than {$240.00} as follows : XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$9.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$46.00} XX/XX/XXXX - {$15.00} XX/XX/XXXX - {$18.00} XX/XX/XXXX - {$18.00} XX/XX/XXXX - {$44.00} XX/XX/XXXX - {$42.00} XXXX Total {$240.00} I was supposed to receive back {$2.00} but received only XXXX cents ( i.e. {$2.00} ( new balance ) - {$2.00} ( old balance )
Company Response:
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: The last authorized charge I had was on XX/XX/XXXX. Sometime between that time and the XXXX my credit card was unknowingly lost. Starting on XX/XX/XXXX my credit card was fraudulently used and was continually used without my authorization or awareness. The following is a list of the charges : {$26.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$64.00} XX/XX/XXXX XXXX {$64.00} XX/XX/XXXX XXXX {$64.00} XX/XX/XXXX XXXX {$110.00} XX/XX/XXXX XXXX {$64.00} XX/XX/XXXX XXXX {$28.00} XX/XX/XXXX XXXX XXXX {$2.00} XX/XX/XXXX XXXX XXXX {$5.00} XX/XX/XXXX XXXX XXXX {$1.00} XX/XX/XXXX XXXX XXXX {$51.00} XX/XX/XXXX XXXX XXXX {$22.00} XX/XX/XXXX XXXX XXXX {$4.00} XX/XX/XXXX XXXX XXXX {$89.00} XX/XX/XXXX XXXX {$89.00} XX/XX/XXXX XXXX {$64.00} XX/XX/XXXX XXXX {$8.00} XX/XX/XXXX XXXX {$22.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I caught the unauthorized activity going on with my credit card and notified Discover. At that time the card was cancelled and an investigation opened. Discover had asked me if I had the card in my position and at the time I thought I had so replied yes. I did not realize that the card I did have in my possession was my other credit card I had with Discover and not the one that had been fraudulently used. I had two different credit cards with Discover. A few weeks later there investigation concluded with them finding me responsible for the charges since they stated I had the card in my possession. I contacted them again and attempted to explain to them that it was my other credit card I had with them and not the one that had been fraudulently used. They asked my if I had opened a police report, which I had not, and they asked I could. That same day I filed a police report with the city of XXXX, XXXX, and contact Discover with the report number. They re-opened the case. A few weeks later I got a response that the case was again closed with them finding my still responsible as information they had requested was not returned by me. I immediately contact Discovered and asked what information they where looking for as I didn't receive any request. They said they where waiting for the police report. I explained to them I had given them the number and they re-opened the case again. I contact the police department myself to see what information they had. I was told that their was no video surveillance for the time period the fraudulent charges occurred. I was told this was common and they are lucky to find companies that keep the tapes for two weeks. A few weeks passed and they closed the case again finding me responsible as the police report was essentially inconclusive. I contacted them again and pleaded my case that they where indeed unauthorized charges and at least to me it was pretty evident given the type of charges. Looking at the charges most are from the same merchant and repetitive for the same exact amounts, on not sure how much more obvious this could be. At this point the case remains closed with them finding me responsible. They have since reported me to the various credit bureaus where they stated they would notify the bureaus that I disputed the charges, which has yet to happen at least based on my findings. I have since cancelled all business I had with them, but refuse to pay for charges that I did not make.
Company Response:
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2019-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-03
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: I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/2017 for my Discover account. I want you to know that I understand, and have great respect for my financial obligations. Unfortunately, at the time of the incident mentioned above, I had was unable to pay at the time due to flooding in my household which caused me to have to pay for a place to live temporarily.. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. In the near future, I am planning on applying for a home loan, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify.
Company Response:
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2019-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-03
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Discover Cards Account # XXXX My account CLOSED due to non payment months ago. At the time, I could NOT pay due to extenuating circumstances ( medical issues ). I've since decided to pay and settle account for LESS than original balance ... I have ceased making any payments on that arrangement. I would like to NOW go ahead ( within next 30 business days, to pay entire balance IN FULL, approx 1,600 )
Company Response:
State: NJ
Zip: 07307
Submitted Via: Web
Date Sent: 2019-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am requesting for Discover Bank to remove and delete fraudulent accounts from my XXXX, XXXX, and XXXX credit report immediately due to fraud as well as these fraudulent accounts from its system. I have sent Discover Bank Id Theft report as well as police report stating that these accounts are fraudulent. Discover Bank has violated my rights.
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2019-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have made several attempts with XXXX to remove these following accounts due to fraud : The following accounts need to deleted and blocked immediately due to fraud : 1. XXXX XXXX XXXX XXXX Account # : XXXX 2. XXXX XXXX Account # : XXXX 3. DISCOVER FINANCIAL SERVICES Account # : XXXX I am a victim of id theft and XXXX has taken its slow time in removing these fraudulent accounts and XXXX has also violated my rights and broken the law 605B.
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2019-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A