Date Received: 2023-10-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: A private ledgering instrument was sent to Discover Card Services for the account number XXXX, they credited my account for {$15000.00} for the lost payment sent in XX/XX/XXXX which was addressed to XXXX XXXX in the Executive Office Of Customer Advocacy Department, XXXX XXXX instructed me to send a restrictive endorsement per letter attached, the tender of payment was signed for and the certified mail receipt is attached with the person who sign for tender of payment, the payment of {$15000.00} has since been reversed because they cant find the tender of payment signed for, I have called of several occasions with no responses on call return when requested. Please see the attached documents and the need to correct their billing error. I have also instructed Discover Card Services to contact the IRS commissioner if they do not understand what to do with tender sent for this account # XXXX. Re : TENDER OF PAYMENT TO CREDIT ACCOUNT In the matter of XXXX I XXXX, Account number XXXX, concerning CREDIT on account and as of to-date my account is still missing the tender of payment of {$15000.00} In XXXX of XXXX, another form of tender was sent in the amount of {$25000.00}, hereinafter TENDER, for the credit of Account Number XXXX, hereinafter ACCOUNT was e-filed with the Internal Revenue Service XXXX and duly accepted by same. IRS acceptance notification received, by the Undersigned, on XX/XX/XXXX. Therefore, XXXX XXXX XXXX, requests that the balance of the ACCOUNT be adjusted to reflect the ledgering of said TENDER of {$15000.00} and the tender of {$25000.00} accepted by the IRS to send credit to Discover Card Services. Please note that contracts requiring legal money such as cash, check, money orders, bank transfers, wire transfers, and Federal Reserve Notes ( DOLLARS ) are illegal and unlawful by Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258 ( XX/XX/XXXX ). XXXX XXXX XXXX has tendered private credits through the use of XXXX XXXX XXXX XXXX account to credit this matter. There is no intent to act in any fashion other than to properly reconcile the books and credit the matter accordingly.
Company Response:
State: TX
Zip: 77044
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, I submitted disputes for fraudulent charges for a company called XXXX on my account. On these charges it has listed a phone number of XXXX which is clearly an invalid phone number which is also pictured in the receipt provided by Discover. Originally Discover sent me notices telling me the fraudulent charges were deemed an error and the credit was permanent. Later I receive a letter as of today XX/XX/XXXX telling me the same reasons of the other fraudulent charges denial. Inconsistent information provided during investigation - only spoke to Discover once on these charges. Second reason was transactions do not indicate fraud and third reason was transaction is going towards a service or account that benefits the account holder. I called Discover to ask for documentation proof of account or service benefiting account holder and documents used Discover sent back a receipt that shows the XXXX phone number but it doesnt show a signature. It also does not show that I benefitted from this company. In fact I contacted the merchant first to let them know someone had stolen my information and the same day reported it to Discover also. I have not done business with this merchant ever in the past, and I have not received any funds or service from this merchant. I did not agree to their terms, and I did not sign any receipts or agree to purchase any service from this company. The company agreed it was fraud and yet Discover is now stating they will be deducting the credits from my account XX/XX/XXXX based on the receipt they got from the merchant. All the receipt shows is the card number. No signature and no proof of these transactions EVER being authorized. Im not even sure what this company is but it seems like a scam site. My card number was never provided to This company. Discover did not provide sufficient evidence stating these transactions benefited or were authorized by card holder. A receipt that is not signed showing the last 4 of the card does not Indicate these were authorized at any point. I did not receive funds from fortuneco and I did not sign up for any service with their company. This is true fraud and Discover provided proof I didnt authorize these but yet provide false denial reasons to side with the merchant. Holding the customer responsible for FRAUD. I have attached the receipt along with an email sent to this merchant advising of the fraud. This should be investigated and the merchant should be responsible for fraudulently charging my acct.
Company Response:
State: TX
Zip: 75087
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: discover repeatedly violates my congressional and legal right to opt out credit reporting and continues to share my private/non public and personal transactions and experiences WITHOUT my written consent to non-affialated 3rd parties
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under Act 15 U.S.C. 1681 Section 602 states " I have the right to privacy ''. 15 U.S.C. 1681 Section 604a Section 2 also states " a consumer reporting agency can not furnish an account without my written instructions ''. Under 15 U.S.C. 1666B " a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Company Response:
State: NY
Zip: 11553
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Discover Card opened an account in XXXX, and XXXX both applications were submitted fraudulently and Discover never sent a card nor statement for either account. I did attempt to resolve this with Discover as they show these accounts as charged off discharged in bankruptcy. I did not apply for either account, Discover did not verify my information before opening the account. The address doesnt match my address. The phone number doesnt match my number, the email doesnt match my email. I dont know what the username or password was or is, I never received a single card or statement and I never signed any applications. Yet I had to file bankruptcy because of the identity theft. I have called to deal with this several times and they told me they would open a case yet keep telling XXXX the account is valid. Without providing any proof of such account. Who did they send the card to? Who authorized discover to opened the credit cards? It wasnt me. Discover did not verify my information and I did not benefit from either account or service. These are true application fraud even the employer doesnt match mine.
Company Response:
State: TX
Zip: 75087
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I recently applied for a Discover card online with my married name XXXX XXXX instead of XXXX. A week later after I was approved, a security hold was placed to verify my identity. As the process, had to request tax verification from the IRS and supply several identity documents ( Marriage license, bank statement, tax returns ) and a notarized statement about myself. This process was rigorous and inconsistent. Last month, I got an e-mail that my account was canceled because I didn't submit my documents. After speaking with the account security team, a statement was sent to them twice and the company canceled the card because they received the same bank statement. I didn't get an e-mail or a phone call about this and I had to call Discover Card weekly and they didn't state any additional updates two weeks before account closure.
Company Response:
State: CA
Zip: 90802
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2023, my husband and I both received calls from Discover Bank to verify a wire transfer request. I was at work, and my husband indicated the wire transfer request was fraudulent. The wire was still allowed to go out on the afternoon wire, for {$47000.00}, and Discover had the gall to charge me the {$30.00} wire fee. When I contacted Discover Bank that afternoon, I was told the " best '' they could do is request a wire return, and that it would be up to the beneficiary of the wire to approve the return, despite this transaction being marked as fraudulent earlier in the day. Discover did not utilize two party verification for the initial wire request ( which they have previously required I complete for other wire requests ) and did not freeze the account when my husband indicated it was fraud. Discover insisted that this transaction was not a bank error, and the only option was to request a wire recall marking the wire as " fraud. '' Had Discover properly required 2 party authentication for the wire request, or properly frozen the account when the wire was marked as fraud, we would still have our money. Thus, it is my assertion that this is bank error and was likely an inside fraud.
Company Response:
State: CO
Zip: 806XX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The company XXXX has obtained my consumer report on XX/XX/2023 without my knowledge or consent. I have not given written or verbal consent to XXXX to access my consumer report. This is a violation of my rights under the fair credit reporting act ( FCRA ), specifically 15 USC 1681.
Company Response:
State: NC
Zip: 28540
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The company DISCOVERXXXX has obtained my consumer report on XX/XX/2023 without my knowledge or consent. I have not given written or verbal consent to DISCOVERXXXX to access my consumer report. This is a violation of my rights under the fair credit reporting act ( FCRA ), specifically 15 USC 1681.
Company Response:
State: NC
Zip: 28540
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The company DISCOVERXXXX has obtained my consumer report on XX/XX/2023 without my knowledge or consent. I have not given written or verbal consent to DISCOVERXXXX to access my consumer report. This is a violation of my rights under the fair credit reporting act ( FCRA ), specifically 15 USC 1681.
Company Response:
State: NC
Zip: 28540
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A