Date Received: 2019-08-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I receive over 60 calls per day at all hour from Discover Card collections. Even after being told I am filing bankruptcy, they continue excessively. This has reached harassment.
Company Response:
State: DE
Zip: 19904
Submitted Via: Web
Date Sent: 2019-08-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Account was compromised. Contacted financial institution to close account and issue a new Account number. Financial institution authorized payment on new account without consent for recurring billing setup with old account number that was no longer active. Financial institution claims they are required by law to authorize payment for recurring billing even though the account record on file is different?
Company Response:
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2019-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account. I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts.
Company Response:
State: NY
Zip: 10801
Submitted Via: Web
Date Sent: 2019-08-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My Discover credit card has been a dormant account for years. However starting XX/XX/XXXX there were two {$4.00} charges for a magazine subscription. The autopay options was on, and payment method linked was a checking account, which has been closed. Since the checking account that supposed to pay the balance was closed. The bill of {$4.00} was not paid. However, DiscoverCard didn't send me any notification or alerts, which indicating the bill was not paid, account information expired or what so ever. On XX/XX/XXXX, DiscoverCard sent the first email saying two payments have been missed. This is the first time I have realized that the bill was not paid, which has been almost three months after Discover firstly identified the payment was not successful. By calling DIscoverCard to update my payment information, I have learnt the two missed payments have been reported by Discover to credit bureaus as late payment. I hereby demand DiscoverCard to reverse their late payment reports to credit bureaus, since there was no formal notifications or alerts from DiscoverCard prior to its report to credit agencies.
Company Response:
State: NY
Zip: 11379
Submitted Via: Web
Date Sent: 2019-08-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: my discover card was charged many transaction with out my permission i contact the company and filed a despute after couple of weeks they denied my claim for no reason i have try few times to solve this problem but company never try to do any thing im still paying monthly payment and interest also am sending the list of the charges also with my complain to see it all happen when i was away for my college in the month of XXXX and XXXX of 2018 i even went to the address of the company charge my card but store is out of business i inform discover company also
Company Response:
State: CA
Zip: 92832
Submitted Via: Web
Date Sent: 2019-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I was trying to have a cosigner removed from my student loan. Discover Student Loans kept poorly handle the processing of my application and repeatedly allowed the application to lapse. Despite being told that the application WAS NOT PROCESSED and HAD EXPIRED, the loan company nevertheless made HARD INQUIRIES on my credit report, negatively affecting my credit score.
Company Response:
State: MI
Zip: 48104
Submitted Via: Web
Date Sent: 2019-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-26
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: This company has repeatedly been negligent with customer service matters. Recently, I submitted an inquiry about my bill through the online customer service portal and did not receive a response at all. I waited for two weeks and ultimately had to call customer service because they never responded to my original inquiry.
Company Response:
State: MI
Zip: 48104
Submitted Via: Web
Date Sent: 2019-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was on my lunch break from my job I went to XXXX XXXX at this location XXXX XXXX XXXX, XXXX XXXX, CA XXXX I tried to purchase food using my discovery checking account card the transaction have failed but I called Discovery that day it was a pending transaction it told me to wait till it process and post then I called them back today it told me that nothing they could do told me to go back to XXXX XXXX I talked to them
Company Response:
State: CA
Zip: 95991
Submitted Via: Web
Date Sent: 2019-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-26
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: 1. I have two Discover accounts and both have different FICO score disclosures on my statements. I would like an explanation on the different FICO scores. Account ending XXXX ; Statement closing Date XX/XX/XXXX, XXXX ; FICO XXXX Account ending XXXX ; Statement closing Date XX/XX/XXXX, XXXX ; FICO XXXX 2. Additionally under the Military Lending Act/SCRA act my interest rate should be 6 % effective XX/XX/2019. Requesting a refund on my interest charge difference. 3. Please change my last name to XXXX and reissue both cards.
Company Response:
State: AZ
Zip: 85254
Submitted Via: Web
Date Sent: 2019-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-26
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/XXXX, I entered into contract with a cabinet/granite company for the Total amount of {$7700.00}. and paid on this day {$4000.00} leaving a balance of {$3700.00}. On XX/XX/XXXX, company/merchant did not compete the work as contracted and charged my Discover card for multiple amounts of {$3700.00}. As of XX/XX/XXXX Discover had transaction from XXXX XXXX for over {$45000.00} dollars and Discover claimed on XX/XX/XXXX that I owe XXXX XXXX and accepted the fraudulent charges adding to a total of {$25000.00}. On XX/XX/XXXX, after months of disputes and insults from Discover staff, I wrote to CEO XXXX XXXX and provided all evidence including the contract with XXXX XXXX. Since then, Discover insisted that I owe XXXX XXXX {$11000.00}. Since XX/XX/XXXX, I have been making monthly payments towards fraudulent charges to my Discover card. Discover card have failed to protect me from XXXX XXXX wrongdoing and criminal actions against my Discover card and have deliberately chosen to be on the side of the criminal activity of this merchant. I endured a XXXX XXXX on XX/XX/XXXX and just few months ago I am feeling better, my health has been the reason why it has taken time this long to proceed against Discover who till now still are making pay. As of XX/XX/XXXX, Discover communicated via Ichat that the amounts charged to my Discover card on XX/XX/XXXX add to {$11000.00} ( XXXX XXXX and XXXX XXXX and XXXX XXXX dollars ). I am even unsure if this is the correct amount as it's all unclear but prior to this date of On XX/XX/XXXX, I had no monies I owe to Discover as I have usually paid my balance in full. I am a Discover customer since XX/XX/XXXX. On XX/XX/XXXX there was another charged for {$3700.00}. and this is when I had to frozen the account in order to stop more charges from XXXX XXXX. The Merchant ( XXXX XXXX ) has claimed that it's not them and it's Discover card 's fault that keeps paying them. I have filed a police report against XXXX XXXX on XX/XX/XXXX. Thank you for any help. I am desperately seeking a solution as I have been very sick for the past two years and very upset by all this unfair and abusive practice. I have been unable to work but I have continued payments monthly for amounts I Do Not owe. Thank you.
Company Response:
State: GA
Zip: 30338
Submitted Via: Web
Date Sent: 2019-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A