Date Received: 2023-10-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have Discover card ending XXXX. In XXXX of 2023 I had a balance on this card {$14000.00}. On XX/XX/2023 The convenience check issued by XXXXXXXX XXXX XXXX XXXX with my wife 's name : XXXX XXXX was cleared by Discover. The amount of that check was {$14000.00}. That check number was # XXXX. My wife run into a problem with XXXX : XXXX insisted that the check was not # XXXX, but # XXXX. The problem - # XXXX is not promotional check, and 20.24 % ( instead of 0 % ) XXXX started to accumulate. On XX/XX/2023 my wife spoke with XXXX and XXXX asked me to get the evidence from Discover that the check Discover cleared for {$14000.00} had number # XXXX. On XX/XX/2023 I called to Discover and spoke to agent XXXX. I was provided " memo line XXXX - XXXX ''. On recorded phone call I was promised to get e-mail dated XX/XX/2023 and paper mail confirming that the check cleared by Discover was # XXXX. The promised e-mail never came. However, on XX/XX/2023 I got e-mail asking to call Discover to discuss important matter. I called to learn from agent XXXX that both e-mail and paper letter will not be sent. She said that agent XXXX made mistake trying to help me and my wife to promise those letters. I asked XXXX to transfer me to a supervisor and provided my work number for supervisor to call me during business hours as I don't have mobile reception on my phone being at work. XXXX wrote the number, however the supervisor called twice on my cell and left message to call back at the number on the back of my card. I called back and spoke to somebody XX/XX/2023. The representative said that the letters verifying check number were sent XX/XX/2023. When I asked to resend e-mail as I never got it, the representative said that she can't. All I need is the letter from Discover stating the check # .... paid to Discover XX/XX/2023 I'm attaching Discover statement showing payment {$14000.00} XX/XX/2023
Company Response:
State: MA
Zip: 02467
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: 2023-09-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been receiving updates from credit reporting agencies showing delinquent and inaccurate information being reported on my credit files. I have been a victim of identity theft for over 10 years, and I have provided proof on several occasions to prove this claim, such as police reports, FTC reports, OPM letters, social security card, ID, and proof of address. Accounts appeared inaccurately on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX for the amount of {$62.00}, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX for {$10000.00}, XXXX ; Discover Bank for {$12000.00}, and XX/XX/XXXX XXXX XXXX XXXX for {$6000.00}. I have filed several disputes with XXXX, XXXX, and XXXX about the inaccuracies, and nothing has been done in reference to the misleading and inaccurate reporting on my personal credit files. As a result, my credit reputation is being ruined and I am unable to gain a trustworthy credit history with companies.
Company Response:
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have been using the Discover It cashback card for over a year now. I and my friend got it almost at the same time. He recently told me that he received a retention offer from Discover : 3 % additional cashback on all purchases upto {$2500.00}. I asked him how he got it and he explained the process in detail. I called in Disccover customer service to check if I have similar offers but the representative said I dont have any offers on my card. I requested if there is lower valued offer available but she confirmed I have none. I told her that I have used the card responsibly in the past one year, I have used the card so much that I had maximised all the 5 % rotating cashback categories and aim to keep using the card. I have been a loyal member of the card by making no late or missed payments. My friend on the other hand uses the card less than what I do and has a lesser accumulated cashback than I do. The representative was apathetic and reluctant to listen and didnt give any offers to me. Not only this, my friend also got targeted offers from Discover during the first year .. a cashback offer on XXXX and another elevated cashback offer on restaurants. But I never receive such offers. The above incidents clearly represent motivated hate against me resulting in disproportionate discrimination.
Company Response:
State: MA
Zip: 02139
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Getting the loan
Subissue:
Consumer Complaint: Ref # XXXX I received a preapproval letter for a personal loan. Around XX/XX/XXXX I inquired and decided to apply because the first lady XXXX XXXX was highly informative and polite. She needed information that I did not have available and I called back the following day. I spoke with XXXX from Utah. He was polite but instructed me to use the website. Which most companies do these days. The website stated that I had been approved and to upload the last three statements of the bank account I wanted the funds deposited into. I did that. Then I received an email on XX/XX/XXXX that my loan was denied due to " insufficient ability to repay ''. I assumed it was an error because I have my direct deposit split over a few accounts. I did write a letter to Discover asking for reconsideration and providing my last XXXX pay stubs to show that I could pay the loan back and explain that the purpose of the loan was debt consolidation. The XXXX monthly payment to Discover was hundreds of dollars cheaper then what XXXX currently paying to each company. I figured it was close to the XXXX mark, so I decided to call. I spoke to XXXX different people. XXXX was polite but he told me it was beyond his control, and I would have to reapply, but he transferred me to XXXX. She explained there was nothing she could do since the loan was denied on XX/XX/XXXX even though I was not informed until XX/XX/XXXX. I explained to her that I had written a letter and provided proof of income. She told me that Discover was not concerned with the income but the in 's and out 's of my account. That was not explained to me. I submitted the account that I use to pay my bills because I was going to be paying off bills with the loan. Also, I work at a bank and I didn't want my coworkers in my personal business. Any one at the bank can see into our accounts. She repeated there is no one here that can help you. It sounded like she was working remotely, so Im sure no one there could help me. She did not try to ask a manager or supervisor because this was a misunderstanding. A week or so later a man called stating he received my letter and the only thing I could do was reapply. This is unfair and misleading. Had I known what Discover was looking for I would've submitted a different account. Being a financial institution Im sure they're aware that customers can have multiple accounts. I would've been open to reapplying if I had made a mistake and If my credit score had not taken hit from the first application. I know that it has been a few months, but it just seems unfair and misleading.
Company Response:
State: MS
Zip: 390XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Discover Credit card was removed per cfpb and then it was reinserted on XXXX. I also have an inquiry from Discover that I have no XXXX of or have given permission. By law it has to be removed.
Company Response:
State: NY
Zip: 10901
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
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: Charged for a hotel room that was canceled within the refund policy of booking site, XX/XX/XXXX. XX/XX/XXXX, charged for room. {$200.00} Shortly after, dispute charge. XX/XX/XXXX- ruled in my favor. XX/XX/XXXX - vendor sends documentation supporting that i owed a refund. Discover says the opposite. I clarified the dates and times with discover but they are aiding the hotel vendor in defrauding me.
Company Response:
State: CO
Zip: 80538
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
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: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Getting a loan
Subissue: Denied loan
Consumer Complaint: XXXX XX/XX/2023 I was denied four times for my XXXX XXXX of college student loan of XXXX XXXX I have an impeccable payment history on my student loan interest payments. However, at this time I was unaware that I was put into collections by XXXX University for a XXXX course I took ( they never accepted my XXXX student loan because they never told me that they did not accept student loans for visiting students ). Furthermore, I paid this debt of {$4300.00} by the time Discover Student Loans would allow me to apply again 30 days after the previous credit check. I called XXXX to make sure my account was clear and the man who helped me said " yes ''. I go to apply for my student loan on XX/XX/2023 and I was denied again. I called Discover and they stated that I had an issue with my credit. I checked and on my credit report, there it stated that I had missed my Discover credit card payment due the XXXX of XXXX of {$190.00}. I missed this because I had to pay the interest on my student loans on XX/XX/2023 of {$210.00} and after the surprised collection agency payment {$4300.00} I was broke. XXXX of working and money I had saved up went all to those payments and I had no money left. I was not working either because I was moving into school later that week and was looking for a job near campus in XXXX XXXX. Now I paid {$270.00} this passed week my Discover credit card out of what little spending money I had for food while on campus. I currently have {$29.00} in my checking account. This whole ordeal has left me borderline destitute all because I missed a payment to Discover credit card now I am unable to pay for my final year of college.
Company Response:
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: XX/XX/XXXX Date Updated Remakes- XXXX XXXX Bankruptcy Account Closed XXXXXXXX Remark Code was removed from Discover Bank account XXXX Remark Code was added from Discover Bank account XXXX call XXXX to dispute this added remark adv to contact creditor XXXX- call to Discover Bank spoke with Fraud, Customer Service & Bankruptcy dept who update the notes on my account that there was no update done or records of any update. No dispute was open on or by me and they are not understanding why there was an update to the remark, was provided the only thing was it was my mistake. Advised to open a dispute & they would correct. I advised that I am in the middle of purchasing a morgage and need this updated asap I this deleted and my score rapid rescoring
Company Response:
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Did not give permission for Hard inquiry. Please remove now. XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 XXXX
Company Response:
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A