Date Received: 2019-08-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I HAVE BEEN COMPLAINING FOR MONTHS, TO BE EXACT XX/XX/2019! SOMEONE TRIED TO OPEN A DISCOVER CARD WITH MY NAME AND MY IDENTITY WAS STOLEN! I CONTACTED DISCOVER AND THEY KEPT PASSING ME ON TO OTHER PEOPLE FOR THEM TO HANDLE THE CALL! I WAS TOLD THAT I WAS GOING TO RECEIVE A DOCUMENT IN THE MAIL AND LOW AND BEHOLD THE DATE ON THE DOCUMENT SAYS XX/XX/2019 AND NOW ITS XX/XX/2019 AND IM JUST RECEIVING IT! I WAS TOLD THAT THIS WAS GOING TO BE OFF OF MY CREDIT REPORT! BUT TO NO AVAIL! I CONTACT AND ATTORNEY AND THEY TOLD ME TO FILE A COMPLAINT WITH FCC AND I DID JUST THAT! NO ONE REMOTELY CALLED ME BACK ABOUT THIS MESS! THIS IS HORRIBLE AND SO ARE THEIR PRACTICES! IVE BEEN CALLING AND ON HOLD IT SEEMS LIKE FOREVER, JUST TO BE REROUTED AND SOMEONE SAYING WE'RE SORRY FOR THIS THAT AND THE OTHER! NO TAKE THIS MESS OFF OF MY CREDIT REPORT!!! THIS IS NOT FAIR! I WAS EVEN TOLD THAT SOMEONE WAS GOING TO CONTACT ME, BUT DIDN'T AND I'M STILL WAITING!
Company Response:
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2019-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-15
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I OPTED OUT OF SHARING MY INFORMATION AND TELEPHONE NUMBER, I'VE BEEN WITH DISCOVER CARD FOR A FEW YEARS NOW AND THEY BROKE MY PRIVACY POLICY, I CALLED DISCOVER SEVERAL TIMES AND THEN CALLED THEM AGAIN ON XX/XX/2019, THE CUSTOMER REP EXPLAINED TO ME THAT SOME CALLED IN AND REQUESTED THAT MY TELEPHONE NUMBER BE SENT TO OTHER COMPANIES. I REPLIED BY EXPLAINING TO HER THAT I NEVER EVER AUTHORIZED ANYONE TO CALL YOU AND REQUEST MY NUMBER BE DISBURSED TO THESE COMPANIES. THEN I CALLED DISCOVER CORPORATE AND FILED A COMPLAINT WITH THEM REGARDING MY TELEPHONE NUMBER AND PERSONAL INFORMATION BEING GIVEN TO THIS INDIVIDUAL THEY SAID CALL IN AND REQUESTED ALL THIS INFORMATION. I NEVER EVER CONSENTED OR AUTHORIZED ANYONE TO CALL DISCOVER AND SOLICIT MY PERSONAL INFORMATION. THESE ARE THE NUMBERS THAT ARE CALLING ME 24/7 DAYS A WEEK : CLAIMING THEY ARE DISCOVER THEMSELVES AND I'M IN GOOD STANDING WITH DISCOVER : 1 ) XXXX THEY DISCONNECTED AFTER I CALLED. 2 ) XXXX 3 ) XXXX 4 ) XXXX XXXX ALL NUMBERS CLAIMING DISCOVER GAVE THEM MY INFORMATION.
Company Response:
State: FL
Zip: 34653
Submitted Via: Web
Date Sent: 2019-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I had a Discover Miles account, final number XXXX, which was closed on XX/XX/2019 because it was included in BK. The BK case was discharged on XX/XX/2019. The account has been fully discharged. In XX/XX/2019, with the account terminated and discharged completed I received a refund from XXXX on XX/XX/2019 in the amount of {$120.00}. Now with the account closed I need to receive the refund from XXXX which is rightfully mine. I have tried all channels of communication, and I am not getting Bank cooperation on this topic.
Company Response:
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2019-08-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/XXXX, I called in and the rep advised that I can make a payment of {$42.00} by XX/XX/XXXX to avoid being reported late to the credit bureau. THE REP DID NOT SPECIFY A CUT OFF TIME!!! The rep was providing me information that is not on my statement, I should not have to go back and look at the statement to clarify the time. THE REP SHOULD HAVE ADVISED ME OF THIS!!!. I logged in just as she advised and made my payment on the XXXX! I have spoken to XXXX at the Executive offices of Discover and the company has acknowledged that I was not given a cut off time, however, they are not honoring this. Discover also has record that I logged into their system on the XXXX and made the payment as directed. The company is using me as a test dummy to train employees, this is bad business! I was given information that I followed that has negatively affected my lively hood! This needs to be corrected immediately, if this is not corrected I will have to proceed with legal action!
Company Response:
State: KY
Zip: 42240
Submitted Via: Web
Date Sent: 2019-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-14
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 took my car to XXXX for repairs. The original estimate was $ 400+ when it was time to pick up my car it had changed to {$1400.00}. XXXX claims they made those repairs without my permission and expected payment. Well things escalated, police were involved and I was told we had to resolve on our own or the DA ( district attorney ) would have to decide if charges would be filed against me. Not wanting to face the possibility of jail, I used my discover card and signed under duress which I noted on every page my signature was required including my receipt. I disputed it with Discover but was told that because the company submitted reasons for the charges they sided with the company. My issue is that XXXX didnt do the repairs as indicated and fraudulently charged us without making the repairs on the invoice. I dont believe Discover reviewed my case correctly.
Company Response:
State: TX
Zip: 77583
Submitted Via: Web
Date Sent: 2019-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-14
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Around XX/XX/XXXXI was checking my XXXX XXXX account ; and an offer popped up from Discover card for me to apply for a credit card and my chances of being approved were excellent ; so I applied and was approved for a credit limit of {$12000.00}. I received the credit card about 10 days later. I used the card for about two months ; and without any notice whatsoever I get an alert on my phone under the discover app that I was over my credit limit, when I checked my discover card account online I noticed that my credit limit is not {$9500.00}. I checked my emails to see if I had received anything from discover notifying me that my credit card limit was decreased but nothing was in my email inbox. I checked my phone to see if maybe they called and left me a voicemail regarding the decrease in credit limit ; and yet no voicemails or calls from discover card. I contacted discover card to inquire about why my credit limit was decreased and why I was almost {$2500.00} over my credit limit. I was advised that a letter was sent and that I should receive the letter in the mail within 7 business days. I waited 14 business days to give them time in case there was a delay in delivering the mail. No mail and no letter and no explanations as to why my credit limit was decreased and why I was over my credit limit by almost {$2500.00}. I attempted to contact discover card several more times between XX/XX/XXXX and XX/XX/XXXXby email and phone and all I kept getting from them is that I would receive a written notice in the mail as to why my limit decreased and and any additional information. I waited and still nothing ; so aroundXX/XX/XXXX I contacted discover card over the phone and made a full payment of my entire balance due and asked discover card to completely deactivate, remove, and close my entire credit card account forever and to remove my autopay from the system so that no funds would be withdrawn from my linked bank checking account. The representative assured me that my account was at a XXXX balance after full payment was made and that she was closing my account, canceling and deactivating my credit card and mailing me confirmation that the account had been closed completely and with a XXXX balance to where I didnt have to worry about calling them back in case it appeared on any of my credit reports. I trusted that the rep. I spoke with was going to do exactly like she told me over the phone so I never checked my account again online because I didnt have any access to the credit card or my online account anymore after that day. AroundXX/XX/XXXX I was looking over my finances and statements for my banking accounts and noticed that Discover card had been taking and withdrawing money from my checking account on a monthly basis and that the credit card was never deactivated nor had the representative removed me from there system. I contacted all 3 credit bureaus and notified them of identity theft and that someone had been using my bank account and my discover credit card without my authorization and that I had been in contact with discover card and discover card has refused to return any of my phone calls or emails and online chat messages. I have copys of all of the attempted contact information along with screenshots of what error messages I would get every time I try to log into my account online. My credit card was compromised and someone had been using my card and online account because I didnt have access to it from XX/XX/ to present. I had no choice but to file this complaint online because discover card is and has not done anything to fix this problem. I want discover to remove me completely from there system and I want them to not report this to any credit report agencys because it is 100 % Discover cards fault for misusing my information and allowing for the discover card to stay active. They allowed someone to use my information and that person or persons to whom I do not know has been using my credit card and account all this time. Thank you.
Company Response:
State: CA
Zip: 92373
Submitted Via: Web
Date Sent: 2019-08-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Discover bank has an account on my credit report that is not mines
Company Response:
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2019-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-14
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 purchases a product online from XXXX XXXX for {$19.00}. The following month in XX/XX/2019 they charged my account for what appeared to be 1 of 3 payments. Which I got the credit card issuers to fix that. But then about a week later I received some makeup products from them I did not order. I filed complain with credit card company and they say that the transaction was marked as Reoccurring charge so they could not stop them. I have contacted the company and they will not take me off some Subscription they put me on so I filed complaint with XXXX But I cant get credit card company to stop allowing them to charge my account
Company Response:
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2019-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: i filed chapter XXXX bk XX/XX/XXXX and have a charged off discover card balance on my credit report as of XX/XX/XXXXprior to my bk XXXX filing i have sent XXXX proof of bk XXXX filing numerous times and they and discover refuse to remove from credit report when XXXX and XXXX have removed the debt without question
Company Response:
State: TX
Zip: 76039
Submitted Via: Web
Date Sent: 2019-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2019 I was scammed by a merchant who name is XXXX XXXX and her fianc XXXX XXXX out of {$180.00}. via XXXX. I asked for tracking information and got a fake tracking number. I immediately demanded a refund but was ignored. I opened a case with XXXX and the did nothing. I opened a case with my bank Discover Debit and they did nothings nor did they even bother to communicate their findings nor the outcome.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A