Date Received: 2024-01-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: A scam phone call was made claiming to be my bank about a wire transfer. I hung up and called my bank and they confirmed there was a pending wire transfer. I told them I did not authorize this and it is fraud. I was told it would be stopped. Later the same day XX/XX/2024, the transfer was completed and {$8000.00} was taken from my account. I have made multiple calls back about this, and requested all of the phone transcripts to prove I claimed this was fraud and I did not approve or initiate this transaction and the bank still let it happen.
Company Response:
State: CT
Zip: 06040
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Discover is reporting XXXX late payments. I have never been late. I have disputed this with XXXX and they have done nothing!!! not been able to resolve it. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In accordance with fair credit reporting this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC section 1681 section 604 it also states a consumer reporting agency can not furnish an account without my written instructions. Again this discover card has been reported late multiple times please delete!!! Also I requested debt validation letters from XXXX XXXX XXXX and credit services. They just appeared as collections and have no clue of them I have been a victim of identity theft I have my credit file flagged and with a statement. They have not been able to provide the validation letter to me in writing with my signature and any agreement between me and them. I have disputed this with XXXX and all they do is say its validated however they dont provide the documentation that I have requested.
Company Response:
State: IN
Zip: 46229
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I lost my wallet and I noticed charges in many of my credit cards including Discover Credit Card. I called Discover and explained them the situation. They made a claim in my account, gave me provitional credit and then months after they took back the provitional credit they have given me. They sent me a new card number and I do not agree with their investigation because I have to replace all my credit cards and ID that was in my wallet. Transaction Date - XX/XX/XXXX XXXX 's beach for XXXX XXXX XXXX for XXXX XXXX XXXX for XXXX
Company Response:
State: TX
Zip: 78550
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Withholding of documentation, misinformation, untimely responses, negative credit reporting : All during time working with XXXX. Unclear about status of mortgage. For example, even today my loan account has been current since XXXX and is still in Loss Mitigation. The reason for this is still unknown. Discover XXXX is my XXXX mortgage and XXXX is XXXX XXXX XXXX. While working with XXXX for same time period, my primary mortgage ( XXXX ) was responsive, clear, ethical and did not submit negative reports to the credit bureau. However, Discover failed to respond appropriately or timely to XXXX requests for documentation causing significant funding delays, communication throughout was poor and misleading. Loss Mitigation representatives were either unclear about procedures when working with XXXX and in loan mitigation or were intentionally misleading. Negative reporting has ruined credit that was XXXX. Below is most recent correspondence outlining issues. This is XXXX time I am asking for escalation. First time they only corrected some of the negative reporting. XX/XX/XXXX To whom it may concern, Prior to the COVID pandemic my credit was fully in tact and now it is seriously damaged and affecting my ability to move forward with my personal economic recovery. For these reasons, I am again kindly requesting that the negative reporting to the credit bureaus be corrected as I had been consistently working with HAF since ( on or about ) XXXX, XXXX. I was also in forbearance with Discover since XX/XX/XXXX and notified Discover numerous time that my application for HAF funding was approved. I even uploaded a copy of the approval to the portal link provided by XXXX of the customer service representatives. The specific periods reported as negative are as follows : XXXX : XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Throughout the periods above I kept in contact with Discover loss mitigation and was advised that as long as I was working with HAF any negative credit reporting would be corrected at the time the account became current and not to worry. While corrections for other months were issued the negative marks for the periods stated above remain. I took the information provided to me by Discover to be true as my primary mortgage holder, XXXX XXXX XXXX, advised me of the same exact thing during the same period and my account with them is current with no history of negative credit reporting. Also, with specific reference to the XXXX and XXXX, XXXX, payments due to Discover, when I called Discover in XXXX to inquire about HAF payments being applied and going forward. I was told that the HAF payments took a while to apply and once fully applied the amount would likely carry me through XXXX XXXX XXXX ; however, I could make a couple of payment just in case which is what I did in XXXX and XXXX. I thought if anything, I was XXXX months ahead. To my understanding this meant that once all HAF funds were applied I would probably be paid up through the end of XXXX. Since I no longer had access to my online account because I remained in mitigation, each time I wanted to make a payment I had to call Discover Loss Mitigation. Every time I spoke to a customer service representative I was told my account was still in the process of being updated. In XXXX I was told that Discover was definitely in receipt of the HAF money and to give it another XXXX days or so for my account to be fully adjusted and out of loss mitigation. On XX/XX/XXXX, I was surprised to receive a call from Discover that my XXXX and XXXX payments were overdue. I asked her what had happened and she confirmed that while my loan was still in loss mitigation and under review, her computer showed that I missed payments for XXXX and XXXX. Since I did not want any further issues I paid {$2800.00} to bring my account current. As I stated before I have had no access to my online account. During the period I was working with HAF whenever I called with a bill in hand, I was told to disregard the bill because it was not accurate. For example, because I was working with HAF things like late charges would need to be reversed/fixed and the account wouldnt be correct until all funds were fully applied. I had no way of knowing where I stood and communication was seriously flawed. Even today my loan has been current since XXXX and I am still in Loss Mitigation. How could I not be confused? In conclusion, I worked hard for many years to earn a very high credit score. Therefore, I am pleading XXXX last time with Discover Home Loans to restore my credit by reversing the negative reporting for the time period ( s ) noted above. Thank you in advance for your help. Sincerely, XXXX XXXX
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX fake checks ( {$9800.00} on XX/XX/XXXX and {$9800.00} on XX/XX/XXXX ) were used to withdraw money from my Discover savings account. I did not create any checkbooks or checks using this savings account. I have not provided my account number or routing number to anyone. I do not know the payees ( XXXX XXXX and XXXX XXXX ) indicated on these fake checks. Additionally, the address and signature used on these fake checks are absolutely incorrect and not mine. I have reported these cases to Discover bank and this is currently under investigation. The lost money has not been reimbursed from the bank yet. Discover keeps saying I should wait for the case to be investigated without telling me the timeframe and they said they do not have responsibility over this case, although the checks are completely fake. I already submitted all check fraud affidavit and police reports. I can not wait any longer!
Company Response:
State: TX
Zip: 794XX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I requested a balance transfer XX/XX/2023 in the amount of {$2500.00} from Discover for card ending in XXXX to XXXX XXXX for card ending in XXXX The balance transfer posted to XXXX XXXX on XX/XX/2023 XXXX XXXX sent me a letter dated XX/XX/2023 stating the amount was debit back to my account. I called XXXX XXXX asking why this was done and who initiated this requested. I was informed that it was requested by Discover stating fraud. I called Discover asking why this was done they sited a fraud report was initiated and I told them no transaction on my account was fradulent only the muti-factor authentication information ( e-mail address and phone number that was visible during attemp to authenticate ) was wrong and to please send the balance transfer back to XXXX XXXX. They told me I needed to get the address, check number and date the check cleared the bank before they could do a temporary credit and initiate a dispute while doing and investigation. I was able to get the information from XXXX XXXX on XX/XX/XXXX and called Discover to provide them with the information and I was told by the representative that they saw a {$2500.00} pending credit and to give it 5 days to reflect on the account. I called today because the {$2500.00} has yet to post to either XXXX XXXX or Discover only to be told now that they need the Routing and Account Number to which this check was posted!!! I was not told this initially and I am tired of being on the phone with these banks with what should be a simple fix. I am at my wits end... I have been on the phone with both banks for multiple phone calls, for many hours only to get transferred multiple times during each phone call thus having to repeat the issue. I believe what happened is since a new Discover card was issued to me, they are having a problem finding where to post the {$2500.00} ( a new card was issued to prevent there from being any potential fraud with card ending in XXXX ) ; the new card I was issued ends in XXXX. I honestly do not want to speak to either bank ever again in my lifetime. There is so much more that has transpired with this issue that should be documented with each bank but I only provided the facts related to the complaint. I am attaching the following support documentation for complaint. XXXX. Discover balance transfer transaction XXXX. XXXX XXXX letter stating the amount was debit XXXX. Address, check number and date check cleared the bank provided by XXXX XXXX Thank you for the resolution you can provide regarding this issue.
Company Response:
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I noticed a large drop in my credit scores ( from approximately 780 to 736 ) in XXXX of XXXX. Upon investigating, I noticed that this was due to the closure of my oldest credit card account, one with Discover. I called Discover to ask why. They stated that the card was closed due to a period of inactivity. No warning was given in advance of this occurrence. If warning had been provided, I would have used the card to prevent closure due to inactivity. Discover refuses to reinstate the account. The drop in my credit score due to this incident has impacted my ability to buy a home. I am currently in the market for a home in the XXXX area, and this large drop in my credit score means I am no longer able to qualify for the best mortgage rates. It seems unreasonable that consumers can be so greatly harmed by an account closure given without warning. This was completely out of my control.
Company Response:
State: WA
Zip: 98144
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: On XX/XX/2024 at XXXX pm XXXX, I called Discover and I inquired about a Student Loan Debt Consolidation loan and was asked if I wanted to apply over the phone. They ran my credit and I was denied due to " borrower income insufficient in relation to the debt. '' After they ran my credit, they informed me that I was unable to apply with a cosigner, even though my current loans have a cosigner. Prior to running my credit, I was not informed what " passing a credit check '' meant. Following this call, I reached out to a friend of the family who is knowledgeable in the financial industry. I asked why I could not apply for a Debt Consolidation Loan with a cosigner. On XX/XX/2024 at XXXX XXXX XXXXXXXX, we called Discover and XXXX at Discover transferred us to XXXX in the Consolidation Department in XXXX. He did not verify any of my personal information prior to disclosing any information on the phone call, nor did he ask if it was okay to disclose any confidential/nonpublic personal information with the family friend who was on the line. We asked for clarification as to why I was unable to apply with a cosigner. We were informed that I needed to pass a credit check. We inquired what " passing a credit check '' meant. At that time, we were told that I had to qualify independently. This information was not disclosed to me on my first call prior to running my credit. On the second phone call, we were told on www.Discover.com/student-loans/consolidation.html under that section, there is a common consolidation loan question- Am I eligible for a Discover XXXXrivate Consolidation Loan? It says " Pass a credit check. '' Nowhere on the website does it say I had to pass it independently. After further questioning with XXXX, he stated that Discover 's policy is if you can not qualify independently, you can not qualify with a cosigner. I feel I have been discriminated against. Had I been able to qualify with a cosigner, I could have potentially had one loan at a fixed rate of 5.99 % XXXX % according to the website. Due to not qualifying on my own and not being allowed to qualify with a cosigner, I have five loans with variable rates between 6.340 % XXXX % which results in a higher monthly payment and therefore, more interest paid over the life of the loan. I feel it is discriminatory to allow those who qualify on their own to get a lower interest rate with a cosigner while not allowing cosigners for those who do not qualify on their own. This puts undue burden on borrowers who need a cosigner by keeping them in higher interest rate loans. I pay more on my loans because I do not qualify on my own but would possibly qualify with a cosigner, which would allow me to pay less.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On Monday XX/XX/24 I received TWO letters via U.S, Post, from Discover regarding my recent application for their charge card. Both letters stated that since my credit reports were frozen that they could not gain access to my history and therefore could not issue me a card. I purposely unfroze my XXXX XXXX, XXXX and XXXX reports for the duration of time that it would take Discover to gain access to the reports. The credit bureau indicates that Discover did do a hard credit check of my credit history, my credit score is in the XXXX XXXX XXXX but I only have one credit card and its with XXXX in good standing that I use and pay on time, and rarely leave a balance. Discover has dropped the ball again. They have lied and a check of my credit report will confirm it.
Company Response:
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/, I fell victim to a scam. At XXXX XXXX, I received a text message from the number ( XXXX ) XXXX stating the following : DISCOVER ALERT : Did You Attempt A {$270.00} Purchase At XXXX? Reply YES/NO/HELP. I did not reply to this text. At the same time ( XXXX XXXX ), I received a call from a spoofed Discover Bank Support number, XXXX ( XXXX ) XXXX. This call lasted 43 minutes. The person calling stated that he wanted to alert me to a fraudulent purchase at XXXX and XXXX XXXX. The charges were for the amounts {$450.00} and {$420.00} from XXXX and XXXX XXXX respectively ; these were real charges on my CASHBACK DEBIT account ( now closed ). Under the pretenses of verifying my identity, I was asked to provide my full name, address, date of birth, mothers maiden name, and Social Security Number, all of which I provided to the scammer, because I thought they were calling from Discover Bank Support and had no reason to believe otherwise. Again, under the pretenses of verifying my identity, the scammer asked me to confirm the identification code being sent to me from a Discover Bank number ( XXXX ). This was presumably to gain access to my Discover Bank account. Again, I still had no reason to believe that I was being scammed since I recognized the number sending the identification codes as I had previous messages from the number. The message read as follows : Discover Bank : Please enter code XXXX as your temporary identification code when prompted. If you did not request this code, please contact us. Send STOP to quit. Over the course of the next 40 minutes, 5 more identification codes were sent to me by the same number, all of which the scammer wanted me to provide. Additionally, the scammer was asking me if I recognized certain XXXX transfers and charges on my checking account. These transfers and charges were all legitimate charges. The scammer also wanted me to sign-out and delete my Discover Banking app and remove my card from my XXXX XXXX. They stated this was to combat and isolate the fraudulent activity. During this time, a fraudulent transfer of {$1600.00} was made from my Savings account to Checking account. Then, a XXXX Payment of {$1200.00} was attempted by a XXXX ( transaction code : XXXX ), but it was rejected. Another XXXX Payment of {$1200.00} was attempted by a XXXX ( transaction code : XXXX ) and this one posted. As this was happening, the scammer was presumably stalling by going over recent charges and XXXX Payments from my account, all which were legitimate, and I recognized. After the suspicious number of identification codes and questions about recent account activity, I hung up the phone and called Discover Support directly at XXXX XXXX to file a report of fraudulent activity. Both my Checking and Savings account numbers were reissued, and an investigation was opened for each instance of fraud : 1 ) fraudulent transfer between accounts, 2 ) fraudulent XXXX Payments, and 3 ) fraudulent debit charges. The investigation into the fraudulent debit charges from XXXX and XXXX XXXX concluded the charges were not authorized, and I was reimbursed the full amount. However, the investigation into the fraudulent XXXX Payments concluded that the XXXX Payments were not unauthorized, and I would not be reimbursed. I find it absurd that the debit charges were found to fraudulent and correctly reversed, yet the XXXX transfer was not. In letters from Discover they stated the following reasons for the XXXX transfer being found to be non-fraudulent : No indication of account take over, no indication of unusual online account activity, transactions do not indicate fraudulent activity, and inconsistent information provided by account holder throughout the investigation. First, it seems paradoxical to me the two debit charges were found to be fraudulent, yet Discover insists there was no unusual account activity and no indication of fraudulent activity. Second, they claim there was inconsistent information provided, yet they only asked me a few questions regarding the fraudulent activity when I called to report it. How can one say I provided inconsistent info when Discover did not take the proper time to learn about the fraudulent activity and only asked me a couple questions? After the investigation, I requested a copy of the login activity on my account the day of the fraudulent activity, and I requested a copy of all documents used in the fraud investigation on two separate occasions. I never received any of these documents. I was advised by Discover to open a re-dispute since I was not satisfied with the original investigation 's conclusion. They instructed me to upload any relevant documentation to a secure document upload center to open a re-dispute. I filed an Identity Theft Report to the FTC, a police report about the fraudulent XXXX transfer and identity theft, and an FBI IC3 cyber-crimes report. I uploaded the confirmation of the FTC Identity Theft Report I filed, the XXXX Police Report, and the FBI IC3 Report. I also uploaded images showing the fraudulent activity, the time and duration of the scammers call, the identification codes, and text message from ( XXXX ) XXXX. I called the Discover Fraud team on XX/XX/XXXX and XX/XX/XXXX to check on the status of the re-dispute, and both times I was assured that the documents were being looked at and a re-dispute investigation was in-progress. However, I recently called again to check on XX/XX/XXXX and was told that a re-dispute was never officially opened even though I was assured twice that one was. I am concerned that the investigation ( s ) into the fraudulent XXXX payment of {$1200.00} is not being handled with proper due diligence. I was told that I gave inconsistent information throughout the investigation, yet it is clear that Discover Bank is giving me inconsistent information. I am considering taking this issue to my attorney general.
Company Response:
State: TN
Zip: 37920
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A