Date Received: 2019-09-11
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: On XX/XX/XXXX, I sent an international wire transfer through Discover Bank, to an account in the XXXX XXXX XXXX XXXX of the amount USD {$21000.00}. I was informed by the bank that a USD {$30.00} fee will be charged to my account and the full USD {$21000.00} will be transferred to the XXXX account. When I inquired about the exchange rate, they refused to tell me the exact rate, but assured me the transfer will occur at the market rate at the time of the transaction and no other fee would be charged. The exchange rate on XX/XX/XXXX was XXXX USD = XXXX CAD. On XX/XX/XXXX, a pre-converted amount of XXXX {$26000.00} was received in the XXXX account, almost CAD {$1000.00} ( or USD {$750.00} ) less than what was promised. This corresponds to an exchange rate of XXXX USD = XXXX CAD, approximately 4 % less than the market rate. A separate CAD {$17.00} receiving fee was charged by the XXXX XXXX XXXX XXXX, and they confirmed they did not make the conversion. In summary, despite me inquiring about the fees/premium or exchange rate multiple times, Discover Bank assured me only a {$30.00} fee will be charged by them and their intermediaries. They also told me that the market rate will be used as the exchange rate. After the transfer, they refused to take responsibility for the money loss.
Company Response:
State: PA
Zip: 171XX
Submitted Via: Web
Date Sent: 2019-09-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX is reporting fraudulent accounts on my credit file and they are not complying with the FTC.or FCRA 1. XXXX XXXX XXXX fraud 2. discover bank, fraud 3. XXXX XXXX, isnt mine All these account should be removed according to the FTC, FCRA
Company Response:
State: NV
Zip: 89084
Submitted Via: Web
Date Sent: 2019-09-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-10
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: The Discover Card advertised a 0 % for 18 months on balance transfers. When I called the company to ask what the amount of the first payment, it was double the amount of what 0 % would be. Instead of 0 % of XXXX the total balance, which would be a {$61.00} monthly payment, they said the monthly payment was {$120.00}. They said I am being charged 2 % of the total balance. They did not state of disclose this in the application and terms and condition when I applied for the card. This is misleading and predatory lending by not making it clear the terms of the card, and enticing applicants to believe they will be paying 0 %, which I was lead to believe by lack of disclosure on the part of Discover Card.
Company Response:
State: NJ
Zip: 08054
Submitted Via: Web
Date Sent: 2019-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Discover card accounts belonging to my spouse are being reported on my Credit File, I am only an authorized User on all discover card accounts and they are being reported as current on my credit file and should not be on there at all, he removed me as Authorized User. All discover card accounts should be removed from my Credit File.
Company Response:
State: AZ
Zip: 85142
Submitted Via: Web
Date Sent: 2019-09-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-09
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Discover card keeps calling my parents phone number and harassing my elderly parents all hours of the morning and day. I have told them several times to stop, but the harassment keeps up and it is causing my parents severe XXXX.
Company Response:
State: PA
Zip: 16601
Submitted Via: Web
Date Sent: 2019-09-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-09
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 spoke with a lawyer and they told me to contact you'll concerning my problem with discover credit i called discover on XX/XX/XXXX at XXXX ; XXXX and spoke with XXXX about the {$7000.00} charges on my card they canceled my card and said they would investigate later i received a letter stating they reviewed my account and determined the transactions was not authorized by me and all unauthorized charges have been credited to my accounted and when i received my statement there were no changes to my account i called them back and i was told the letter was a mistake and they can only go back to XXXX and check my statement i ask were they destroyed she said no their system want allowed them to go pass XXXX i ask how you know i owe that amount if you can't see the charges she said i can't go pass XXXX i only want them to show me the charges that i know didn't make and i don't want to destroy my XXXX credit score by not paying for charges i didn't make please help me if you can
Company Response:
State: TX
Zip: 76001
Submitted Via: Web
Date Sent: 2019-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-09
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: On XX/XX/XXXX, I contacted Discover and explained to them that I am XXXX years old and my daughter is willing to help me out with a lump sum settlement. I explained that I have no assets and live on my social security only and that I will have no choice but to stop making payments or go into a bankruptcy. I was told by the representative and her supervisor that there are " no programs available. '' I informed her that I can not make the payments and I am willing to pay a lump sum and settle or stop paying and she said she noted the account but there is noting she can do. Her name is XXXX. I did not speak with her supervisor. I have made a good faith effort to settle this debt at XXXX years old.
Company Response:
State: CA
Zip: 92612
Submitted Via: Web
Date Sent: 2019-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: discoverfraud CFPB CASE XXXX CFPB closed my case wont let me reply to them so I have to create the dialogue below to continue the case XXXX. During the course of our investigation, our Fraud Investigations department was unsuccessful in contacting you regarding your fraud claims. -- -- -If you have even read my affidavit? I can't return your call when in XXXX even when I pay to call international, your 800 # was restricted. I was fast enough to pick up XXXX 's call once ( we have confirmed the id copy id fraud sent you was the expired lost/stolen copy of my old license!! ) while in XXXX but XXXX who actually IS the investigator never tried to call me even once. That's just for the first 2 months of the investigation. I flew back in XXXX and started to call you every day initiatively till XXXX. The initial police report information you provided was determined to be invalid by the XXXX Police Department. -- -- -- -- I have told you over the phone it was a temporary report # while in XXXX as I can't call international to local police department. I told you temp pr # already you can't use the word invalid, it's just not the final report #. I have given you 1 XXXX police report for XXXX WHEN purse is lost and stolen which is legit report # but you hide it and never mentioned. I have later filed another discover fraud id theft police report XXXX with my local XXXX police dept again, in XXXX when I came back from XXXX, which is also legit. Both legit police reports you are hiding and never even mentioned. In response to our request for validation of the disputed transactions, the merchant provided documentation including a copy of your drivers license, details of the services provided, copies of the signed receipts and signed consent forms -- -- -- -- -- Again their drivers license is that expired lost/stolen copy of my old license!! Other POS papers and consent papers, their descriptions can all be fraudulently produced!! YET you never mailed none of those id theft provided papers copy to me while I have challenged. Plus I have challenged you and id theft to provide my accurate current info and my physical exams data for the LEAST VITAL DATA that a XXXX $ medical procedure / medicines payment should at least have performed. Again none was provided. Plus they have XXXX of my personal insurance companies info. Right there is the flag of fraud. I use insurance for ALL MY MEDICAL NEEDS. On XX/XX/XXXX, we again reviewed your claims per your assertions and provided temporary credits for the disputed transactions, pending the outcome of the investigation. As the outcome of the additional review determined no fraud occurred, the temporary credits were removed on XX/XX/XXXX -- -- -- -- -you did absolutely nothing for this so called " re-investigation '' keep repeating all those lies TWISTED ACCOUNTS above is what I have heard every-time I have called you. The information you provided, including the fax received on XX/XX/XXXX, did not provide sufficient evidence to overturn the outcome of our investigation. -- -- -- - As your fraud supervisor requested I have faxed my current georgia driver license, affidavit and the police report XXXX is attached right here, these are what you wanted from me, how is that not sufficient? HOW IS THAT NOT SUFFICIENT? Additionally, we received information regarding an additional police report that was filed with the XXXX County Police Department that contained fraud allegations, but when contacted, the XXXX County Police Department advised that the report did not mention any specific charges being disputed or what type of card the alleged fraud occurred on. -- -- -- -- -- -- the police report you are talking about # XXXX is attached right here with our CFPB CASE XXXX. I invite everybody out there to judge the narrative part below : Found my dormant discover card being used for almost XXXX at/by XXXX 's business. Before had a folder with several expired, invalid cards lost from a gas station, this credit card has been dormant for a long time might have misplaced in that lost folder with other expired, invalid or closed cards and personal scratch documents. Ironically couple days before this transaction was my mother 's death, I was her only child in the country, her bag around her stomach has hers and my personal info & cards are also stolen, police report # XXXX with officer badge number XXXX. For the past 3 months I have not even had time to go to work but handling my parent death and caring for my XXXXyear-old. There is no possible way I will be going to seeing ent/facial and spent almost XXXX in 1 day after parent death while I can't even pay for her funeral. I have to ask for school 's donations for funeral. All in all this fraud transaction has come at the wrong timing, right after death, and I'm her only child ... ... the most helpless chaos ever happened in my life-time while my child can't even continue to school here, I have spent the following two-three months in XXXX handling the aftermath of death and moving my family schooling to XXXX. Fraud happening is the last time I want to think of ... ... .. HOW IN THE WORLD THE POLICE REPORT did not mention any specific charges being disputed or what type of card -- -- -DISCOVER CARD! If you have even read anything and did any " investigations ''? None of the above twisted accounts and XXXX XXXX lies will you type out. TOTALLY I HAVE PROVIDED TWO LEGIT POLICE REPORTS REGARDING THE TWO FRAUD TRANSACTIONS, XXXX police report # XXXX ( LOST STOLEN REPORT IN XXXX ) & POLICE REPORT XXXX ( DISCOVER FRAUD XX/XX/XXXX ) Although we consider your balance to be valid, due to your continued dispute, we have reported the account to the credit reporting agencies as disputed and will continue to report it as such unless you tell us to stop reporting it as disputed -- -- -- -- -- -another lie, pls tell all FOUR credit bureaus that this account is under fraud dispute and paid in full closed back at the end of XX/XX/XXXX statement. They are still reporting it as a normal opened LATE account in theirs. ... ... ... .quote " as mentioned previously, ever since XXXX paid the id theft about XXXX $ early this year ( XXXX while I was in XXXX ) without ever talking to me, the whole discover-fraud team has been reluctant to talk to me after she paid recklessly ( she paid fraud way before case expiration, never allowed time for fair investigations ). My understanding is they can't get their payment back from the id theft even if they could help me justify the fraud, then they might as well pass the mistaken payment error to the victim as much as they could. "
Company Response:
State: GA
Zip: 30093
Submitted Via: Web
Date Sent: 2019-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-07
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I am attaching a rather lengthy PDF document describing the extreme difficulties/issues I am having to deal with because of the blatant errors caused and created by Discover Card ALONE in what should have been a simple Bank Transfer. I have been lied to repeatedly ; and given wrong information on multiple occasions. When applying online for a Balance Transfer with Discover Card, one does not know how much their Credit Limit/Credit Line will be ; so when filling out the online form, there are numbers from approximately ( 1 ) to ( 4 ) where one can list their credit card debt in the order of their importance ( with # 1 being assumed to be the first choice ). Therefore, in my case, I listed XXXX XXXX XXXX as my # 1 Priority for a Balance Transfer. Unfortunately, Discover Card processes one 's online application immediately ; even before the Credit Limit/Credit Line has been determined ; and leaves it up to their computer system to identify the lowest level balance ; and pay that balance off in full first ( if possible ). Therefore, again in my case, no one at Discover Card ever explained this critical piece of the puzzle to me. Unbeknownst to me, even after I had discussed my crystal clear instructions to a live Discover Card Customer Account Manager to apply the full amount of 95 % of my Discover Card Credit Limit/Credit Line balance to XXXX XXXX XXXX, this particular employee apparently just chose to let the computer decide for me ; without telling me or even discussing it with me! Had I been told of this computer system policy, I would have immediately cancelled my Balance Transfer Request! Apologizing for the fact a Discover Card Customer Account Manager answering the phones failed to disclose that critical piece of information to me before any Balances Transfers were made is a gross oversight and unconscionable on the part of a purportedly reputable Financial Institution. Financial Institutions like Discover Card have a fiduciary responsibility to all of their Customers to thoroughly train their Employees in all of the nuances involved in facilitating any number of different financial banking functions ; with NO exceptions! Apologizing after the fact for an employee making a mistake involving either a lack of training and/or a lack of banking knowledge or of specific banking products is a totally unacceptable financial business practice.
Company Response:
State: OR
Zip: 97062
Submitted Via: Web
Date Sent: 2019-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Hello. Im writing this complaint in regards to a fraudulent account that was opened under my name in 2013 with Discover Credit card. I have never had a discover card nor have I authorized one to be opened. DiscoveXXXX is calling me harassing me and they said they are investigating it but they also opened a lawsuit against me for {$18000.00}. I tried to applied for a loan and I was denied because of this debt. I cant open anything or even apply for a place. This is affecting me and my credit tremendously. Ive been sending in all types of proof to discover that I have not been the user on the card such as proof of address to where I have resided for over 10 years in XXXX, Fl and the address they have on file where the card was sent was in XXXX, FL. I also sent them in my debit card bank statements where I was making charges in Nevada and the discover card was being used at XXXX XXXX XXXX the very same day. Ive also filed a police report. This is becoming such an issue and now they are taking me to court.
Company Response:
State: FL
Zip: 33162
Submitted Via: Web
Date Sent: 2019-09-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A