Date Received: 2019-10-02
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: In XX/XX/2018 I sent a certified letter to Discover Card, stating my job loss, XXXX XXXX diagnosis in XX/XX/2018 and XXXX XXXX diagnosis in XX/XX/2018. My only source of income is social security. My car is worth less than {$100.00}, I owe over {$5000.00} in back taxes and am over XXXX months behind in my mortgage. I also sent several other letters, stating that I am uncollectible for this debt and it needs to written off. Instead, Discover Card IS THE ONLY CREDIT CARD COMPANY WHO SUED ME! I'VE BEEN HARASSED BY XXXX AND XXXX XXXX, DEMANDING PAYMENT AND THREATENING WAGE GARNISHMENT, MY CAR, AND ANYTHING ELSE I OWN! My doctor is disgusted by this harassment of a XXXX XXXX XXXX female with such XXXX health issues. I have lost weight, can't sleep, and my XXXX flare ups are severe. I am willing to take {$5000.00} for my pain and suffering caused by Discover Card and the attorney firm. Should they refuse I will do whatever it takes, including letting the media know of this harassment of the elderly.
Company Response:
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2019-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I submitted an application online with Discover Card on XX/XX/XXXX. I was approved for the Card. However, I never recieved the card due to Discover closing my account. I contacted Discover on XX/XX/XXXX, XX/XX/19 and XX/XX/19 they stated that they couldn't verify my income within 5 business days of them submitting the card. Although I IMMEDIATELY completed the requested forms for them to obtain my income from the IRS. I was informed that due to the IRS not sending them the requested information within the 5 days that they had to close down the account. My credit profile took a hard hit for something that I had no control over. I submitted the requested paperwork for discover card to get the information from the IRS AND YET INSTILL I'M BEING PUNISHED FOR SOMETHING THAT THE DIDN'T GET IN 5 DAYS. In which I had no control over. This hard hit and account sitting on my credit profile is hindering me from purchasing a home.THIS IS ALSO HINDERING ME FROM GETTING APPROVED FOR ANOTHER DISCOVER CARD.
Company Response:
State: MO
Zip: 63114
Submitted Via: Web
Date Sent: 2019-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-01
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: There are 4 transactions posted on my Discover Bank Credit Card : - XXXX SC - # XXXX XXXX FL - {$1000.00} - XXXX, XX/XX/XXXX - XXXX SC - # XXXX XXXX FL - {$500.00} - XXXX, XX/XX/XXXX - XXXX SC - # XXXX XXXX FL - {$500.00} - XXXX, XX/XX/XXXX - XXXX SC - # XXXX XXXX FL - {$930.00} - XXXX, XX/XX/XXXX - Adjustment - Interest Charge - {$55.00} These charges are not valid they are fraudulent! I disputed them but Discover will not remove the charges. Also they are refusing to send me out a new card. This has to be illegal to do to someone.
Company Response:
State: FL
Zip: 32825
Submitted Via: Web
Date Sent: 2019-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-01
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Hello - I have a promotional APR on my account that expires on XX/XX/2019. However, I was still charged {$12.00} in interest for my last statement and I'm not sure why. Can I waive this interest and get an explanation on why I'm getting it so I can avoid it in the future? Thanks!
Company Response:
State: NY
Zip: 14850
Submitted Via: Web
Date Sent: 2019-10-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-30
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Discover Bank has failed to be transparent regarding their fees and services since I have opened an account with them less than 30 days ago. On XXXX, I opened a checking and savings account with Discover Bank and initiated a transfer to fund my new account. There was some " system error '' on Discover 's part that listed me and myself as both the primary and joint account holder -- leaving my husband completely out of the account and 2 cards arriving to my house in both my name and my name. It seems reprehensible that a banking institution could make such an egregious mistake using someone's social security number. Furthermore, I remained with Discover but with so many issues that I am forced to close my account within the first month. My first transfer took almost 7 business days ( 1.5 weeks ) to process. I called to inquire about this long time frame and was promised this is only the case for the first transfer. However, ALL of my transfers since have been the same processing time or even longer. Even debit transactions take 3-7 days to process with Discover when XXXX and other banks process the same day. Moreover, I deposited a check via mobile deposit from my employer. The bank website states that " deposits made before XXXX XXXX will be available same day ''. I made the mobile deposit at XXXX XXXX on XXXX and was notified that my funds would not be available until XXXX. This is the most insane policy and processing time I have ever experienced with blatant lies stemming from their website. Discover Bank should not be allowed to hold funds for this time period without making it OBVIOUS that this is the case. Nowhere on the website does it state that your funds will be held for over 10 days. The bank says that they are " XXXX FEE '' and the agents on the phone will emphasize this. However, it's not true and again -- lack of transparency! I was charged for ATM withdrawals even though they are " XXXX FEE ''.
Company Response:
State: NY
Zip: 10023
Submitted Via: Web
Date Sent: 2019-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Your company illegally pulled my credit within the past 2 years. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Company Response:
State: TX
Zip: 75082
Submitted Via: Web
Date Sent: 2019-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Late last year three unknown charges appeared on my Discover Card Account. These were not done by me. I contacted Discover and reported the fraud. I spoke with a rep who cancelled my card and issued a new one. During the course of this investigation Discover had the same rep call me on numerous occasion and in an accusatory tone asked me about these transactions. Apparently, merchandise was shipped to an old address of mine. I explained I had no knowledge of these transactions of who did them and yet they claim I am responsible and placed all the fraud charges plus the interest back on my account. This caused by credit score to drop 49 points. Before I obtain a lawyer and sue them I was hoping you could investigate this and help/ They are violating FCRA. I am not responsible for charges that were not placed by me. Someone got my old card number and did this. They have been told this. Under law I can not be held responsible.
Company Response:
State: FL
Zip: 32259
Submitted Via: Web
Date Sent: 2019-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-29
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: My wife received a Court summons in XXXX County Tennessee. The summons was delivered by a XXXX County Sheriff Deputy today, XX/XX/2019. The summons was stabled to several documents. A Copy of A litigation letter from professional, XXXX XXXX, for Discover Products Inc. ; representing Discover Bank was notarized by a XXXX XXXX In Ohio. Attached to this letter is a printed copy of a report from U.S. Department of Defense ; Manpower Data Center is signed by XXXX XXXX, Director of Manpower Data Center. My wife isnt XXXX XXXX, and she has never worked for a government agency, and especially not The Department of Defense. The letter written by XXXX XXXX states that Discover Products Inc is granted access to Department of Defense record keeping computer systems and regularly is allowed use of this record keeping system. XXXX County General Sessions Court Discover vs XXXX XXXX Court date is scheduled XXXX XXXX at XXXX. Why did Discover Bank contact the Director of Manpower? My wife is a civilian, so Why should Discover Bank contact DOD? Why did Discover Products Inc contact DOD? Why does Discover have regular approval for using the Manpower Database?
Company Response:
State: TN
Zip: 377XX
Submitted Via: Web
Date Sent: 2019-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-29
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I had NO say in the loan that my school got for me for the XXXX exam. It was a {$15000.00} loan and NOW after making years and years of payments, my loan is {$18000.00}!!!!!!!!!!!!!! They don't apply money to my principal, rather they keep applying it to interest. I will NEVER be able to pay this loan off at this rate. I have already paid {$15000.00} in interest alone. So basically I paid the entire amount of my loan in interest and I now owe a whole new {$19000.00}.
Company Response:
State: MD
Zip: 20854
Submitted Via: Web
Date Sent: 2019-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Discover card demanded that I give them permission to demand my tax returns from IRS, I refused they closed my card, send me letter today XX/XX/19, kept my rewards almost {$150000.00} + miles. I was never late with my payments. Spoke with mngr XXXX from OH yesterday he trolled me for 2 hours with all sorts of nonsense, refused to release my rewards and stated card was closed on XX/XX/19 because I did not release access to my taxes from IRS. Also my rewards are voided because I did not call and ask to redeem. Then he listened to my call from XX/XX/19 when I asked to redeem my rewards but said that I did not ask properly. I was never late with my payments and had card for over a year. Discover is acting like a true troll and scammer.
Company Response:
State: WI
Zip: 53227
Submitted Via: Web
Date Sent: 2019-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A