Date Received: 2023-10-03
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Hello, I am not a Discover Credit Card account holder but an account was opened under my name. The account number is XXXX. I have encountered a deeply troubling issue that has persisted for an extended period, despite my numerous attempts to seek resolution through your customer service channels. I am writing to request your immediate intervention and assistance in rectifying this matter. In XXXX, a Discover Credit Card account that had been fraudulently opened in my name. The address associated with this account was in Georgia, a location I have never resided in nor have any connection to. However, this discovery was only the tip of the iceberg. In XXXX, as I was in the process of cosigning a student loan for a sibling, I discovered a multitude of fraudulent accounts on my credit report that did not belong to me. Alarmed by this, I promptly contacted the credit bureau to gather additional information. It was during this investigation that I learned the extent of the identity theft that had occurred. To address this serious matter, I followed the recommended course of action and filed a police report with the Georgia police department, where the initial fraud occurred. I then proceeded to diligently engage with each of the creditors connected to these fraudulent accounts. In each case, I provided accurate information pertaining to the identity theft. My efforts to resolve this issue with XXXX Credit Card began in XXXX when I contacted your company to explain that I had fallen victim to identity theft, and I had not opened the Discover Credit Card account in question. I promptly submitted an identity theft report and cooperated by providing any requested documentation. To my surprise, within a mere 20 days, I received a letter from Discover stating that, according to their investigation, the account was considered valid, and I would be held responsible for the outstanding balance. The situation took a disturbing turn on XX/XX/XXXX, when I received a letter from the Department of the Treasury Internal Revenue Service ( IRS ). The letter revealed that my personal information had been used to access IRS online services. The IRS urged immediate action and contact if I was not the individual attempting to access my records online. I immediately contacted the IRS and was informed that someone had been accessing my account for a considerable duration, using an IP address located in XXXX, Texas. Furthermore, this same individual, with access to my personal information, was responsible for opening the fraudulent account in Georgia. The IRS agent took immediate action to block my account and informed me that I would need to contact them to have the block removed. Additionally, I was advised to file another police report in Texas and to complete an Identity Theft affidavit with the IRS, sharing copies with all affected creditors. On XX/XX/XXXX, I once again contacted Discover Credit Card to reopen the dispute regarding the fraudulent account. I submitted an updated Identity Theft report, a new police report, and an affidavit from the IRS. Discover informed me that it would take 90 days to review this information. However, on XX/XX/XXXX, I received a letter from Discover Credit Bureau XXXX, indicating that they had concluded their investigation, determining that the account was valid, and asserting my responsibility for the balance. It has now been more than XXXX years since I first discovered this fraudulent account, and I have diligently pursued its resolution. I emphatically maintain that I did not open this account, and I have provided all the necessary documentation and information to support my claim. However, I am increasingly concerned that Discover Credit Card 's investigation process does not align with its claims. In my pursuit of clarity, I contacted the XXXX Police Department to inquire whether Discover Bank had initiated an investigation with them. I was informed that no such investigation had taken place. This discrepancy raises questions about the thoroughness and legitimacy of Discover Credit Card 's investigation procedures. I now urgently seek the assistance of the XXXX XXXX to escalate this matter to the highest level within Discover Credit Card. It is my fervent hope that your intervention will lead to a fair and just resolution, finally relieving me of the unjust burden imposed by this fraudulent account. I implore you to investigate this issue thoroughly and ensure that all necessary steps are taken to rectify this situation promptly. Thank you for your immediate attention to this matter. I eagerly await your response and guidance on how we can proceed to rectify this deeply distressing situation.
Company Response:
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: XXXX Discover credit card judgement {$5600.00}. XXXX XXXX XXXX XXXX garnishment starts 25 % of income XXXX request for hearing on garnishment XXXX garnishment lowered 15 % XXXX employment ended and {$3300.00} has been paid. XXXX discharge & release of garnishment XXXX contacted XXXX XXXX XXXX. Was told account went back to Discover Bank. No further communication from Discover Bank. XXXX {$2400.00} still owed. Contacted Discovery bank to resolve debt in full but asked for a settlement amount. Was told account was in another department that only communicates via email. Was told a lawyer would have to be assigned to my account and I was to email name dat account number etc information, so I did. I received a confirmation email stating someone would email or call in 5-7 days. No contact. 10 days later I called back. This time I was told they were short staffed and it would be more like 14 days. This did not happen. Called again and spoke with a supervisor and was told she would put in a request to expedite my request. Every time I told them I was ready to pay that day and every time I was told that they could not take a payment from me. XXXX still no call or email from Discover. This has been handled unprofessionally and it it still on my credit report, which I have worked very hard to improve.
Company Response:
State: AZ
Zip: 85730
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: XXXX Discover credit card judgement {$5600.00}. XXXX XXXX XXXX XXXX garnishment starts 25 % of income XXXX request for hearing on garnishment XXXX garnishment lowered 15 % XXXX employment ended and {$3300.00} has been paid. XXXX discharge & release of garnishment XXXX contacted XXXXXXXX XXXX XXXX Was told account went back to Discover Bank. No further communication from Discover Bank. XXXX {$2400.00} still owed. Contacted DiscoverXXXX bank to resolve debt in full but asked for a settlement amount. Was told account was in another department that only communicates via email. Was told a lawyer would have to be assigned to my account and I was to email name dat account number etc information, so I did. I received a confirmation email stating someone would email or call in 5-7 days. No contact. 10 days later I called back. This time I was told they were short staffed and it would be more like 14 days. This did not happen. Called again and spoke with a supervisor and was told she would put in a request to expedite my request. Every time I told them I was ready to pay that day and every time I was told that they could not take a payment from me. XXXX still no call or email from Discover. This has been handled unprofessionally and it it still on my credit report, which I have worked very hard to improve.
Company Response:
State: AZ
Zip: 85730
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: Good day. I am writing concerning an account I have with Discover. I have a Discover Home loan as a XXXX mortgage since XXXX along with a personal loan and credit card from XXXX. I have the ease & convenience of accessing both my credit card & personal loan via their app. The XXXX mortgage portion however, has been proven to be impossible to navigate due to the complexities implemented by Discover which has not & refuses to combine this account on the app as well. I have attempted countless times to access my home loan account online directly via discover.com only to be advised my credentials are invalid & I would receive a reset of my password via email ( never received ). I have even tried to start a new online account only to be rejected from that as well that my email password combo is also invalid ( see pics ). Calling into their offices puts you through automation XXXX, for a lack of a better terminology, & you never get through to anyone. I have been working XXXX hour shifts everyday since the beginning of summer at my own call center job so spending time on the phone is not an option thus why I have been frantically trying to get online to make payments & reset the auto draft I previously paused. In XX/XX/XXXX, I mailed in a check that was payable for triple the payment to cover my XXXX XXXX & XXXX payments. I was expecting to make the payments for those XXXX months to be covered which is why I paused the auto pay Id had set since the inception of the loan. Discover applied, without my consent, the extra amount to my principal balance despite being asked ( twice ) to pay it towards my monthly. I placed calls in both XXXX & XXXX speaking directly to representatives who promised the issue was resolved and I was safe. My next payment was to be the XX/XX/XXXX due date. Those same reps however could not assist me with the online issues Ive been having. Instead, Id get transferred to the online dept. in an endless hold upwards of XXXX minutes to either have to return to work or be disconnected. Theres apparently no direct contact number for their online department either as Ive looked diligently through many many pieces of paperwork. Recently I received notification from all XXXX major bureaus that Discover has reported me as 30 days late on my credit reports drastically decreasing my credit scores. I am now receiving late notices & large envelopes threatening to take over my home instead of helpful information to actually pay them on time as Ive always done & in a streamlined simplified manner. Its almost as if theyre more interested in foreclosing on me then allowing me to pay whilst damaging my good to excellent credit. I am requesting for the 30 day late to be removed from my credit reports. I am also requesting to have the ability to easily access my XXXX mortgage online and/or via app with the same ease and convenience as I have with my credit card & personal loan. My other accounts have never been late & are in good standing. This comes across as predatory lending & assasination of my excellent credit. The disallowance of not being able to get, receive a reset nor have anyone assist over the phone does seem deliberate & predatory. I have been a well established & good paying customer to Discover for all of my accounts with them. It strikes odd that the Discover Home loan is the only one that has the most to gain & is the most difficult to tend to. Discover is ruining me by destroying my good standing with other lenders & even freezing my credit card with them. I want everything to be restored & to go back to making my timely payments with ease & simplicity.
Company Response:
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Provided cash advance at 0 % interest and then started charging more than 25 % on that money.
Company Response:
State: CA
Zip: 95350
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Discover Card refuses to call back or respond. I have complained here about at least XXXX separate, different issues and they automatically close all my complaints saying they are duplicates even when they aren't. I call and they claim they can't help me because it's the wrong department and they have to transfer me, but either they disconnect me, they transfer me to a line that is closed and automatically hangs up, or they claim their computer system is down and someone will call me back. This has been going on for XXXX years now and not a single person has called me back or responded to an email not once. Discover is stealing money from people by adding charges to their accounts and they refuse to give consumers a chance to get it fixed by blocking all lines of communication. This is absurd and needs to be stopped right away. It should also be noted that I have had XXXX fake charges on my account in XXXX year 's time and they refuse to respond, claiming ANY dispute is the same as a previous one.
Company Response:
State: NC
Zip: 28806
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
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 would like to initiate a complaint against Discover Credit Card for not allowing me to reopen a dispute against XXXX XXXX XXXX XXXX. Discover 's website says to contact Customer Service if you need to cancel a dispute and it does say your options may be limited if the dispute needs to be reopened. I realize my options may be limited for recourse, but it needs to be reopened and no options have been provided to me other than Discover telling me over and over that it can't be reopened. I purchased a trip to the XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX. I paid for it with my Discover Card and the charge was {$3900.00}. I paid over a year in advance. The Festival was to be held XX/XX/XXXX - XX/XX/XXXX at the XXXX XXXX XXXX in XXXX XXXX. In XX/XX/XXXX, XXXX XXXX began canceling festivals with XXXX notice ( XXXX being the XXXX XXXX XXXXXXXX XXXX ) leaving concertgoers stranded out of the country because XXXX XXXX had not paid the resort with the money. This infornation has been covered on multiple new stations, is easily found on the Internet, and there is currently a class action lawsuit against XXXX XXXX at the present for this. This was the first red flag that something was not right. In XX/XX/XXXX, I was notified that the XXXX XXXX XXXX in XXXX XXXX that I'd paid for with Discover was being moved to new dates of XXXX and a new resort XXXX XXXX XXXX In XX/XX/XXXX, I learned that the company XXXX XXXX had filed for bankruptcy and I knew in my XXXX it was not likely the XXXX Festival would be held. I contacted Discover on XX/XX/XXXX to initiate a dispute and also contacted XXXX XXXX. XXXX XXXX assured me that XXXX Festival would be held and said I could not dispute anything as their contract said no refunds. They offer you a credit to a future festival. They also posted on their website IF you dispute the charge, they reserve the right not to do business with you and to refuse you from future festivals. So I canceled the dispute the very next day on XX/XX/XXXX as they said that the festival would still take place and at that time there was no announcement otherwise. I also was scared if I went forward with the dispute they would refuse me from attending future festivals as stated on their website. I explained to Discover why I was afraid to continue the dispute and told them the response received from XXXX. I felt I had no choice but to drop the dispute - they were saying the festival was still going on and if I didn't drop it they could refuse my attendance in effect tying my hand. For the next few months, I could never reach anyone at XXXX to inquire about the status of the festival and they stop providing updates. On XX/XX/XXXX, I finally receive a response that the XXXX was still occurring. Several weeks went by with no communication and then suddenly I received an email on XX/XX/XXXX XXXX week before hand that the festival is indeed not going to take place due to customer cancellations. XXXX XXXX has said absolutely no refunds. My concern is that this company has filed bankruptcy but did not notify customers, there are multiple lawsuits against them, they have canceled several festivals since XX/XX/XXXX and there are no future festivals taking place. How can you give a credit to a festival but you have no money fo hold XXXX. Thousands of customers have lost money due to their " no refund '' policy and it is not fair that Discover is in effect allowing them to keep my money by not allowing me to rightfully dispute a company with shady practices. They have still been advertising festivals under new names luring customers in ( the name switched from being called XXXX XXXX XXXX to XXXX ) and taking people 's money knowing they have filed bankruptcy and no future festivals are going to take place. How can you have a future festival when you are facing multiple lawsuits, bankruptcy, and a tainted name. They have not provided the service I paid for, and Discover is allowing this to continue by not doing the right thing by me as a customer and allowing me to reopen my dispute. I have been a Discover customer for years. They showed absolutely zero empathy when I called to explain my situation. We have had Discover Loans, Credit Cards, and even my children have Discover cards. I am disappointed in the way both XXXX XXXX and Discover just have my money and I have no recourse and am at the mercy of this shady company. Discover is allowing the shadiness to continue by not allowing me a fair dispute process.
Company Response:
State: MS
Zip: 38654
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the federal credit bureau This creditor Discover and XXXX XXXX XXXX credit card have violated my right. In accordance to 15 US 1681 C and 1681 R and 1681 m states that creditor arent allowed to report late payments on credit report unless I give consent to, which I do not give consent to
Company Response:
State: OH
Zip: 43110
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I tried to contact Discover today via their website and my XXXX app ; I repeatedly had difficulty logging in even though I recently changed my password again ( have done this at least once in the last few weeks ) but I could not log in. When you ask for help or try to find Discover 's contact information their website forces you to interact with a bot that fails to provide login info and fails to email or text a security code or offer a process to log in to get access to your account. I am trying to close my account and permanently end my poor relationship with Discover because they have poor customer service and make it obviously incredibly difficult to communicate with. I am trying to log in to make sure my account is completely close and any and all charges have stopped and also close the savings account I have with them. They are refusing to allow me to log in to see my account information and are not offering an alternate way to gain access to their account. In addition, their contact phone number and general contact info is purposely hidden and/or difficult to find on their own website. They should be prohibited from doing any further credit card business in the State of Arizona until they become transparent with their contact information and make it easier for credit card or bank account customers to log in to find and see they're information.
Company Response:
State: AZ
Zip: 85023
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A