Date Received: 2023-10-08
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: Company did not protect " savings '' 'identity ' & denies wrongdoing but has provided documents explaining that I was billed by a phantom merchant.
Company Response:
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: 134 STAT. 282 PUBLIC LAW 116136XXXX. XXXX, XXXX The CARES Act was passed by Congress on XX/XX/XXXX and signed into law on XX/XX/XXXX Several time customer supports asked if I have received any basic support from family members, and or income support from the government. I stated that I have received a one-time payment to help with short-term costs basic income, at that point I was told that I was to use that income to pay my payment. Phone call on date : XX/XX/XXXX Payments were made until all finances were depleted. I ask if Forbearance or a temporary pause or reduce on the amount to the loan payments for a limited time while you build back your finances. I was told no and that I should ask family or friends to help make payments. Phone call on date : XX/XX/XXXX I stated that Under the CARES Act, due to the unforeseen situations, lenders are required to report my accounts as current, I was told that wasnt true and that Discover will report my account delinquent. Account reported several times. After several attempts I was finally permitted to make partial payments and was informed that the terms of my loan were changed and that it would be a permanent change. XX/XX/XXXX XX/XX/XXXX Loan Term changed XX/XX/XXXX late fee XX/XX/XXXX Loan Term changed XX/XX/XXXX Loan Term changed XX/XX/XXXX short term XX/XX/XXXX short term Modify loan or contract modification documents was requested over the phone on a recorded line, which is the same way Discover had me agree to for the agreement. Every time the loan changed terms ; I requested the document. I was told that they were online when I looked, they were not. I was even told that they would be mailed to me and they were not. Loan was modified : XX/XX/XXXX XX/XX/XXXX I have asked several times with Discover bank under the Contract agreement for arbitration and was denied when ask why I was told that it does not apply to my account/contract. On XX/XX/XXXX a formal request for Arbitration was set to Discover Bank representation XXXX XXXX XXXX they did not respond. On XX/XX/XXXX during court mediation, I asked for Arbitration the legal counsel stated that I can not receive Arbitration because it was only for credit cards. Arbitration : Agreement to Arbitrate. In the event of a dispute between you and us arising under or relating to this this Account, either you or we may choose to resolve the Claim by binding arbitration, as described below, instead of in court. Any Claim ( except for a Claim challenging the validity or enforceability of this arbitration agreement, including the Class Action Waiver ) may be resolved by binding arbitration if either side requests it. THIS MEANS IF EITHER YOU OR WE CHOOSE ARBITRATION, NEITHER PARTY WILL HAVE THE RIGHT TO LITIGATE SUCH CLAIM IN COURT OR TO HAVE A JURY TRIAL. ALSO, DISCOVERY AND APPEAL RIGHTS ARE LIMITED IN ARBITRATION. Even if all parties have opted to litigate a Claim in court, you or we may elect arbitration with respect to any Claim made by a new party or any new Claims later asserted in that lawsuit. This arbitration agreement does not apply if, on the date you submit your application or on the date we seek to invoke this arbitration agreement, you are a member of the XXXX XXXX or a dependent of such a member covered by the federal XXXX Lending Act. If you would like more information about whether you are covered Under the term of the Contract and Federal Arbitration Act : Discover bank has denied my right to Arbitration and has taken this to small claims court and seek judgment. Case number : XXXX File number : XXXX Account XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX. XXXX XXXX. Failure to arbitrate under agreement ; petition to United States court having jurisdiction for order to compel arbitration ; notice and service thereof ; hearing and determination A party aggrieved by the alleged failure, neglect, or refusal of another to arbitrate under a written agreement for arbitration may petition any United States district court which, save for such agreement, would have jurisdiction under title 28, in a civil action or in admiralty of the subject matter of a suit arising out of the controversy between the parties, for an order directing that such arbitration proceed in the manner provided for in such agreement. Five days ' notice in writing of such application shall be served upon the party in default. Service thereof shall be made in the manner provided by the Federal Rules of Civil Procedure. The court shall hear the parties, and upon being satisfied that the making of the agreement for arbitration or the failure to comply therewith is not in issue, the court shall make an order directing the parties to proceed to arbitration in accordance with the terms of the agreement. The hearing and proceedings, under such agreement, shall be within the district in which the petition for an order directing such arbitration is filed. If the making of the arbitration agreement or the failure, neglect, or refusal to perform the same be in issue, the court shall proceed summarily to the trial thereof. If no jury trial be demanded by the party alleged to be in default, or if the matter in dispute is within admiralty jurisdiction, the court shall hear and determine such issue. Where such an issue is raised, the party alleged to be in default may, except in cases of admiralty, on or before the return day of the notice of application, demand a jury trial of such issue, and upon such demand the court shall make an order referring the issue or issues to a jury in the manner provided by the Federal Rules of Civil Procedure, or may specially call a jury for that purpose. If the jury find that no agreement in writing for arbitration was made or that there is no default in proceeding thereunder, the proceeding shall be dismissed. If the jury find that an agreement for arbitration was made in writing and that there is a default in proceeding thereunder, the court shall make an order summarily directing the parties to proceed with the arbitration in accordance with the terms thereof. On this Dated I submitted this letter bellow I was completely ignored and was told that neither the payoff or the Arbitration would be accepted. XX/XX/XXXX Dear XXXX XXXX XXXX. I am offering to settle this debt in the amount of XXXX XXXX dollars ( {$5000.00} ) to DISCOVER BANK. Under Florida Statute 222.11 I am classified as head of house hold and this is all that my family and I have to settle this case, if you decide to accept the terms, conditions which are to remove any and all negative remarks that DISCOVER BANK has placed on my credit profile from any and all credit reporting agency system. If DISCOVER BANK chooses not to accept then I would like to request a COMPELLING PRIVATE ARBITATION per the ( Arbitration Clause ) agreement in the contract. Throughout the year XXXX, DISCOVER BANK has changed the terms and conditions of the Loan a total of five times, I have asked for the new loan terms and a copy of the terms every time only to be denied. The amount that has been entered in court documents are not factual nor are they a true reflection of what is owed according to last statement or account balance. Feel free to contact my attorney if you have any further questions. If you choose to accept, please reach out to my attorney on file. You have until the date of XX/XX/XXXX to respond if no response is received XXXX XXXX BANKRUPTCY will be filed. Yours truly, XXXX XXXX.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: In XXXX of 2023 I requested an increase on my Discover credit card. Title 15 subsection 1611, False and misleading denial of my own credit. I was sent a letter of my denial with unexplained and misinformation attached to the reasons for a denial.
Company Response:
State: CA
Zip: 92663
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Hello, I recently took a big hit to my credit score for an unknown balance that I had with Discover after canceling my card with them. I'm hoping that I can have the damage reversed. What happened is I canceled my card in XX/XX/2023 after deciding it wasn't useful anymore. I paid off any remaining balance and cancelled over the phone. Just now, I saw that my credit score has gone down by XXXX points owing to delinquency on a Discover account. I logged in to find that they claim I owe {$8.00} based on some adjustments that happened following account closure. I immediately paid the {$8.00} and called them to ask that the delinquency is removed from their reporting as it had a big impact on my credit score. They said that I would have to contact your office to make the request. Again, I immediately reconciled the amount once I saw it reflected on my score. I had no notification from them about there being an outstanding balance, and had tried in good faith to pay the card off in full at time of closure ( it was only ~ {$4.00} and change to close it at that time ). Thank you.
Company Response:
State: VT
Zip: 056XX
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
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/2023 I ordered items from XXXX XXXX 's online website in the amount of {$680.00}. The purchase was split into two charges...... one for {$580.00} and XXXX for {$100.00}. The company says the items were delivered on XX/XX/XXXX and the carrier was XXXX. I never received the order and contacted XXXX at the company who told me to file a claim with XXXX. I filed the claim that day and the claim number was XXXX. That got me nowhere so I persistently continued to contact XXXX XXXX until XXXX agreed to send out another shipment with SIGNATURE REQUIRED since I didn't want this to happen again. I was home the day that shipment was supposed to arrive ( XX/XX/2023 ), and again ... .no package. I did NOT sign for anything and I have cameras and nothing was delivered that day. I called XXXX XXXX again on XX/XX/XXXX and asked for a supervisor to call me. No one ever called me back. At that point I had no other recourse than to file a claim with Discover. Then on XX/XX/2023 XXXX from XXXX XXXX called me and left a very nasty voice mail. He accused me of trying to scam the company and said he fill fight the charge back and win. I've never heard a company speak to a customer that way and basically call them a liar. Discover resolved the dispute in my favor for the amount of {$100.00} on XX/XX/2023. However, they denied my claim for the one in the amount of {$580.00}. That makes no sense as all of the items were supposed to delivered the same day.
Company Response:
State: WA
Zip: 98272
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
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 had a Discover card in XXXX and they did nothing to help me when XXXX card got stolen. I opened the account around XXXX of XXXX. They closed my account around XXXX because there was purchases on my card I did not make and I filed a dispute. They take the dispute allow more fraud purchases to be purchased on the account then they said they found XXXX my dispute invalid and adding all the previous fraud purchases back to the account. After that they close my account charging me so much fees and everything else. I found XXXX out my account XXXX was closed when I logged into my online account one day and found out my XXXX dollar Discover card limit said I owed a balance of over XXXX dollars. They did little to nothing to help me and this is still reporting to my credit report and impacted me for the last 7 years almost. I always paid my bills on time Discover did not take this serious. I spent countless hours with every XXXX XXXX and XXXX along with Discover trying to fix this in the last almost 7 years. Discover has cost me over {$200.00} dollars in my time and over {$2600.00} more dollars in damages done by their false reporting to my credit report. This is not including the damages they have done from money lost to my business I own in XXXX XXXX XXXX XXXX as I was turned down contracts and rejected credit needed at the time to operate the business because of Discovers false reporting.
Company Response:
State: VA
Zip: 24151
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/, I went to XXXX to purchase a vacation package that included lodging, airfare, and shuttle service. I went through the steps on XXXX website including choosing the resort, the airline, and the airport shuttle service. I chose Frontier Airlines since they provided a direct flight from XXXX, Colorado to XXXX, XXXX. As part of the purchase, I entered my credit card information. I completed my purchase and got a message from XXXX that the purchase was rejected as the package was no longer available. At the end of XXXXXXXX XXXX I reviewed my XXXXXXXX XXXX credit card statement and it showed a purchase to Frontier Airlines in the amount of {$220.00} on XXXX XXXX XXXX I attempted to contact Frontier Airlines but they would not speak to me since I did not purchase airfare directly from them. They told me that I needed to contact my booking company ( XXXX ) to resolve the matter. I contacted XXXX and shared that, although they rejected my purchase, my credit card was still charged {$220.00} by Frontier Airlines. They confirmed that the purchase was rejected and that I should not have been charged for anything. I told them that I was, in fact, charged by Frontier Airlines. They said they would escalate this situation to the accounting department and get back to me within 48 hours. They also gave me a case number for this situation. They did not get back to me and I contacted them again a week later. I was hung up on multiple times by XXXX and when I was finally not disconnected, they said it was still under review by the accounting department. I have contacted them an additional four times and was told each time that they would escalate this to the accounting department. In the meantime, I contacted XXXX XXXX and stated that I had been charged for a flight that I never booked and never took. In fact, I never received an e-mail from Frontier Airlines. XXXX XXXX issued a dispute to Frontier Airlines. About two weeks later, XXXX XXXX contacted me and stated that Frontier Airlines submitted documentation stating that the flight was booked and cancelled on the same day. I have attached the documentation that XXXX XXXX sent to me. XXXX XXXX stated that the charge would stand unless I can provide additional documentation from XXXX stating that the charge was, in fact, rejected so they could pursue that with Frontier Airlines. I contacted XXXX again on XXXX XXXX XXXX and stated that the charge was still issued and never reversed even though I was assured the last time that I had contacted XXXX that I would get a credit in 3-7 business days. I told XXXX that I needed an e-mail sent to me stating that the package I had booked with them was rejected so that I could share that with my credit card company. XXXX stated they do not have anyway of sending me a verification of the rejection. They said they dont have an e-mail address to do that ( even though I had to send them documentation that XXXX XXXX sent to me about the Frontier Airline purchase ). Neither XXXX nor Frontier Airlines has taken responsibility for their actions regarding this situation. I have tried relentlessly and unsuccessfully to get the charge reversed as I never should have been charged when the entire package was rejected by XXXX. I am not sure what else I can do to hold the companies accountable and get my money back.
Company Response:
State: CO
Zip: 80634
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
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 am writing to request your assistance in resolving a dispute related to a recent transaction made using my Discover card ending in XXXX, which took place on XX/XX/2023. The transaction in question was a purchase made on XXXX, with order number # XXXX, for the XXXX XXXX convertible couch, totaling {$810.00}. The sequence of events regarding this dispute is as follows : XXXX On XX/XX/2023, I initiated a return process for the aforementioned product, which was approved by XXXX as per their return policy. The XXXX XXXX, chosen by XXXX, collected the product for return on XX/XX/2023, and the return was confirmed by tracking number XXXX. 2- Approximately a week after the return was initiated, I contacted XXXX to inquire about the status of the return, and I was informed that XXXX XXXX refusing to accept the returned product, citing space constraints in their warehouse. 3- Despite multiple attempts to communicate with XXXX XXXX the return status and refund, they failed to acknowledge receipt of the returned product, making it impossible to initiate the refund process. 4- In response to this, I initiated a dispute with Discover on XX/XX/2023, reference number # XXXX, providing them with documentation from XXXX confirming the return and a conversation screenshot with an XXXX XXXX, which confirmed the return of the product. XXXX Unfortunately, the dispute was not resolved in my favor, as XXXX XXXX they did not receive the returned product. XXXX Following further communication with XXXX XXXX they finally confirmed the receipt of the product and initiated a refund on XX/XX/2023. However, the refund was not reflected in my account, and when I requested an email confirmation, the email received contained incorrect information, stating that the refund was made to a XXXX XXXX, which was not used for the purchase. XXXX Subsequent attempts to clarify the refund issue with XXXX were unsuccessful, as they refused to send another email confirmation. XXXX In response, I initiated a second dispute with Discover, providing them with additional evidence of the refund made by XXXX XXXX including a conversation screenshot with an XXXX XXXX who stated that the refund was made to the card I used to make the purchase. XXXX Regrettably, the second dispute was also not resolved in my favor, and I was charged back for the couch on XX/XX/2023. ( During the process of a dispute with the credit card they withdraw the charge from my card and after stated that I lost they charged back. ) XXXX In another attempt to resolve this issue, I obtained a screenshot of a conversation with an XXXX XXXX confirming that the refund was processed on XX/XX/2023, to my Discover card ending in XXXX. I have been caught in a frustrating cycle of communication between XXXX and Discover, with neither party taking responsibility for resolving the issue. As a result, I am left without a refund for a product that was returned within the stipulated return window. I kindly request your assistance in resolving this matter and ensuring that the refund is processed to my Discover card ending in XXXX, as confirmed by XXXX. Please find attached the relevant documentation, including the conversation screenshot with XXXX support.
Company Response:
State: NY
Zip: 10002
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: DISCOVER is reporting an account as a charge off on my credit report. They have not provided a 1099 to support their claim. If they have already received funds for this account via insurance, then this is subrogation. Further, I never received all disclosures or was informed clearly and conspicuously of my rights pursuant to 15 usc 6802 It was never explained to me that reporting this account to my credit was consensual. I was never told that DISCOVER would traffic, transfer or sell my information to breach-prone companies where my information would be compromised which violates The Protection of Non-public Information laws.
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
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 originally had a recurring monthly charge ( charged in advance of services provided ) by XXXX XXXX to my Discover Card, for which the amount increased without explanation. I could not find a customer service phone number to inquire about the increase. I called Discover Card and they provided me with an XXXX number for the merchant. When I called that XXXX phone number I was placed on hold for XXXX hour and XXXX minutes without anyone coming on the line or even an update on wait status ; I finally gave up and hung up. I called Discover card back on XX/XX/2023 to tell them that I could not reasonably reach a representative to find out about the increase and to cancel my account. I said I wanted to cancel my account since I could not resolve the issued. The Discover Card Rep ( XXXX in XXXX ) asked if I wanted a stop payment on future charges by the merchant and I said yes ( middle of the call ), and she also indicated they would submit a dispute to the merchant for the previous charge ( end of call ). Seven days later ( XX/XX/XXXX ), another charge ( {$79.00} ) was made by XXXX, with another increase in the amount. Discover Card declined my disputes with the merchant, even after I submitted evidence of my efforts to talk to a customer service representative at XXXX, without response. As a result, I ended up closing my account with Discover Card to prevent future charges, after 35 years of being their customer. I paid the final payment of my balance, including the initially disputed charge by XXXX, but did not pay the following charge for {$79.00} because of Discover Card 's failure to stop the XX/XX/XXXX charge of {$79.00} as I had said I wanted done on the call with the Discover Card Representative on XX/XX/XXXX. I called Discover Card today and they still refuse to reverse/charge back the {$79.00} charge and the interest charge ( even though the amount is in dispute ). I asked them to listen to the recording of the call from XX/XX/XXXX but they just transferred me to XXXX different people instead and gave excuses why they are not responsible for their failure to properly prevent via stop payment ( or charge back to the merchant ) the XX/XX/XXXX charge.
Company Response:
State: CA
Zip: 92618
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A