Date Received: 2023-09-23
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: Upon thoroughly reviewing my credit report file, I have identified multiple inaccuracies in the reported information, including opened dates, last activity dates, last payment dates, and balances, which require immediate attention. The specific inaccuracies I wish to address are as follows : Discover Account XXXX XXXX XXXX Opened Date : The reported opening dates for this account are incorrect. The accurate opening dates for this account are XX/XX/XXXX and XX/XX/XXXX. I kindly request you to verify and validate all data associated with this account. Last Activity Date : The reported last activity dates on this account are inaccurate. The accurate last activity dates are XXXX XXXX, and XX/XX/XXXX. I respectfully request you to verify and validate all data associated with this account. Last Payment Date : The reported last payment dates on this account are inaccurate. The accurate last payment dates are XXXX XXXX XXXX. I kindly request you to verify and validate all data associated with this account. Balance : The reported balances on this account are incorrect. The accurate balances are {$1000.00} and {$700.00}. I respectfully request you to verify and validate all data associated with this account.
Company Response:
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XXXX of this year, my partner and I went to XXXX XXXX XXXXXXXX XXXX. I used my Discover credit card there, and came home to find someone had used my credit card with a purchase at a XXXX XXXX XXXX XXXX, with a fake address. I disputed this claim and was refunded, and closed my card. This occured XX/XX/XXXX. I have had XXXX more charges at this XXXX XXXX XXXX XXXX. I have never used my credit card for a {$140.00} XXXX XXXX purchase and there is absolutely no subscription they offer, even if for that much. Discover refuses to refund me the money, and I keep telling them it is not me purchasing anything for {$140.00}. So now I have XXXX charges for {$140.00}, and XXXX that I have now had to pay back, XXXX happening on XX/XX/XXXX which was my nost revent dispute, and NOW a XXXX for XXXX last week on XX/XX/XXXX, which I didn't even go to a Market District then! They refuse to dispute me and keep letting the merchant win, calling the charges valid. This has happened 3 times with the exact same amount in multiple months. I can't even afford to spend {$140.00} at a XXXX XXXX! There are no addresses or anything tagged with these charges which there usually is. No information, nothing. I have already had my card stolen by a skimmer once.
Company Response:
State: OH
Zip: 44313
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: there are in my credit report inquires i did not authorize
Company Response:
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Company Response:
State: NC
Zip: 27406
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
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/XXXX I left for a work related trip and hired a house sitter through a XXXX add to check in on my home while I was gone as I would be gone for a week and didnt want to leave things completely unattended. Her reviews were good and it appeared that she checked out so I felt comfortable with our agreement. While I was gone she had hacked into my XXXX account and used my Discover card to make XXXX different XXXX orders. These order were delivered to my home where I am assuming she collected them. When I got back from my trip I discovered my house an absolute disaster and many of my belongings gone through. I then discovered that she had made the purchases and called Discover right away to report the unauthorized transactions. I also sent report of this to XXXX as well. I called Discover on XX/XX/XXXX to find out if there was an update about my case because I saw the charges had been added back onto to my credit card and I was waiting for them to send out a form to sign verifying that these transactions were unauthorized. I was told by the employee that this was just because the case had been moved to a closed status and I would see the final credits be posted to my account and not to worry the matter had been settled in my favor. I called back a week later to see when those credits would be posting and was told that they wouldnt be because discover denied my dispute. I spoke to another employee who explained to me that they could send the case to be evaluated again and that the reason that it was denied was because the purchases were made using my XXXX account and since they couldnt prove XXXX made a mistake they couldnt dispute it. I provided an email that was sent from XXXX on XX/XX/XXXX confirming that there was unauthorized access to my account to support my case. I called back on XX/XX/XXXX to verify where the case was standing and they told me I was again denied because the email I sent to support my case was so much later than the instance. I was denied the right to see the documents that they used to make their decisions and stated all they could send was a letter explaining the reasons. They also denied my the opportunity to sign a written dispute confirming authorized transactions were placed on my card. During one of my conversations they had admitted that they had received credit back for some of the transactions and they failed to pass any of that on to me.
Company Response:
State: WI
Zip: 548XX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Due to the XXXX XXXX pandemic, like most of the global community, I experienced an unexpected financial hardship that affected my ability to repay all of my bills including my Discover credit card bill. When reaching out to Discover in XX/XX/XXXX, after being in the hospital with what my doctor later believed to have been a XXXX XXXX XXXX, Discover refused to work with me despite my having XXXX years of timely payments with the exception of XXXX late payment. I continued to call Discover each month throughout XXXX, XXXX, and XXXX to resolve the matter. Discover refused to work with me and during XXXX of these calls, I was verbally abused by a Discover customer service agent who deliberately misgendered me. For XXXX years, Discover refused to work with me and eventually turned my account over to a third-party debt collection agency. When contacting their third-party debt collection agency, I shared with the agent that due to the affects of the ongoing pandemic, that I was unable to pay the amount in full. I was informed in XX/XX/XXXX by the third-party debt collection agent that the Discover balance was {$800.00}, however, I could resolve the matter entirely by paying {$220.00}. I then stated that I would agree to pay this amount, only if the item was removed from my credit reports as it had adversely affected my XXXX credit reports. The third-party debt collector agent agreed that Discover would either XXXX ). Remove the item in its entirety or XXXX ). Update the late payments to on time, remove the charge off status and indicate the account closed by me. Neither of these agreements were adhered to by Discover. When reaching out to Discover numerous times, I was informed that it is not their policy to remove or revise anything and this would be on my credit report until XX/XX/XXXX. I have contacted Discover numerous times and filed several disputes with the XXXX credit reporting agencies based on Discover refusing to audit the situation involving the aforementioned agreement by the XXXX XXXX collector agent. Additionally, Discover had refused to provide all paperwork and all audio recordings from the third-party debt collection agency. There has never been a proper investigation by the credit bureaus either. This Discover account is an old account from XXXX, and its 35 months of negative marks from Discover is adversely affecting my credit report and ability to get educational loans ( as this Discover account with 35 months of negative marks, has prompted that I have a co-signer for educational loans ) which as a result has stalled my XXXX studies. I acted in good faith to resolve this matter with their third party debt collector, who I believe said whatever he wanted to in order to get money from me. I was very intentional in my negotiating with the Discover third-party debt collector and have been abused by Discover, their third party debt collector, and as as a result, by the credit bureaus, especially XXXX. XXXX and Discover have refused to honor my requests of any information pertaining to my negotiation with the third-party debt collector, as this agent willfully misrepresented his authority to honor the aforementioned agreement. The XXXX report contains XXXX late payments yet XXXX has never held Discover accountable for conducting a proper investigation and thereby, XXXX has also failed in their ability to conduct a proper investigation as well.
Company Response:
State: CA
Zip: 90016
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: During the Pandemic ( Even though I was not working ) instead of letting my account go into default. During COVID-19 I made an arrangement with DiscoverXXXX Credit Card Company to agree to the following ( 1 ) To stop using my card ( 2 ) Intrest rate was reduced ( 3 ) No late fees would be charged ( 4 ) My payment would be XXXX XXXX each month until paid off ( 5 ) They would open my account again if I made my payments for 12 straight months ( 6 ) DISCOVER DID NOT HONOR THE AGREEMENT TO REINSTATE THE ACCOUNT AFTER THE 12 STRAIGHT MONTHLY PAYMENTS ( 7 ) When my sister passed away in XXXX XXXX XXXXXXXXI had to leave the XXXX to attend my sister FUNERAL. ( 8 ) I had planned to make my payment .once I arrived at my sister home. ( 9 ) The second day after arriving in XXXX my phone was compromised. ( hacked ) ( 10 ) XXXX had to closed my account down. ( 11 ) I was left without a phone which had all my apps and Bill pay on it. ( 12 ) No phone service frozen bank account I was unable to pay discovery for XXXX and was unable to reach then using my sister XXXX phone account as the toll free number did not work from the island.we tried the website information but was unsuccessful. ( 1 ) As soon as I returned to XXXX I contacted DiscoverXXXX and made my payment. They were very understanding and eventually removed the XXXX XXXX late fees that was charged. ( 14 ) I am now back on track, but for some reason they keep adding back the $ XXXX late fees to my bill. ( 15 ) Finally I was successful in reaching a customer service agent who took the time to listen, checked with her supervisor who approved for the XXXX XXXX to be removed. ( 16 ) I was given a final balance after the late fees was removed and that month payment were made. The balance I was given was about XXXX XXXX which would bring my balance to XXXX. ( 17 ) I paid it the following month as I had promised the agent whose supervisor had approved removing the XXXX XXXX late fees. Each month after I had PAID MY FINAL BALANCE OF XXXX XXXX ( 18 ) I have tried for months speaking with different customer service agents at DiscoverXXXX credit cards co. ( 19 ) EACH MONTH AFTER THAT DISCOVERXXXX KEEP ADDING XXXX XXXX late fees to the account already paid off. ( 20 ) DiscoverXXXX also reported my account to the reporting agencies that I have not been paid my account. ( 21 ) This information is incorrect and because of their reporting MY PAID OFF ACCOUNT AS BEING LATE MY SCORE HAVE DROPPED OVER XXXX XXXX ( 22 ) DISCOVERY HAVE BEEN CHARGING ME LATE FEES OF XXXX XXXX EACH MONTH, THEN TURN AROUND AND CHARGES INTREST ON THE DISPUTED LATE FEES STATING AND REPORTING THAT I OWE OVER XXXX XXXX ( which are all DISPUTED late fees ) and keep reporting me as being late ( 23 ) There are no new charges on the card as I had already cut up the card. ( 24 ) EACH MONTH DISCOVERY CHARGES XXXX XXXX late fee plus interest then report my account as being late. ( 25 ) I feel that this type of charging late fees then charging interest on the late fees is wrong.
Company Response:
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. DISCOVER BANK XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Company Response:
State: CA
Zip: 90024
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I recently reviewed my credit reports and was made aware that Discover Bank is sharing information with consumer reporting agencies that should be excluded from my report and is in violation of my consumer rights.
Company Response:
State: MD
Zip: 21212
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Horrible customer service in person and have provided my receipts to Discover who declined to help me as though with XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX. XXXX suggested I contact the Attorney General after paying my bills promptly for 9 or 10 years. These three merchants were abusive, negligent and unethical. XXXX 's XXXX aka XXXXXXXX XXXX XXXX XXXX XXXX date of service was XX/XX/XXXXXXXX and the young person/a child really, saw a damsel in distress and used a jumper back and could've started my car. All I needed was a new terminal for my battery which I was overcharged for with another merchant ( XXXX who I recommend looking into ). and this tall boy XXXX? drove me to the wrong garage as he didn't know what he was doing and I foolishly trusted him to help since this was my first time with this merchant. My car is still not reliable so I had to purchase XXXX XXXX XXXX since my auto insurance XXXX is difficult to call ; especially since the Hurricane Idalia scare. I have difficulty with long phone calls as my temper is short from trauma which I am working on. Ive explained this to some Discover employees and its obvious in my documents regarding other disputes. I have paid my bills for 9 or 10 years and for me to receive a document from Discover without warning that any verbal communication and I couldnt use the number I have on file when I put in the last four digits of my social security number. I was given the warning that I basically couldnt speak with anyone. I tried different options since I wasnt given any warning. I arrived home that night and saw a letter from XX/XX/XXXXXXXX alluding to the fact that I would want to write them anything. I plan on closing my account with Discover. Ive tried to call corporate the office on the letter on XX/XX/XXXXXXXX which I researched and was denied access and told that such a department didnt exist and transferred to Personal Loans ( XXXX ) and XXXX XXXX XXXX XXXX Arizona from the credit card department told me I was only able to be sent to the Security Team . The next merchant, XXXX XXXXXXXX XXXX XXXX told me they were come over for a free estimate and then handed me a bill after 3 minutes of putting colorful instruments on the AC unit outside and expected me to understand what he was talking yet I didn't go to school for HVAC. He was touting how honest he was compared to another service technician I had shared with him from a few months ago and when he expected payment he told me " well I could've charged you {$80.00} and smirked/laughed. I've since contacted him and his wife/business partner most recently on XX/XX/XXXX when I was calmer and ( after a few attempts with Discover employees at ) at XXXX, XXXX, XXXX, 3 times on XX/XX/XXXX in the evening the final time at XXXX and it went to voicemail immediately so not sure if they blocked me. I also tried to handle this situation on XX/XX/XXXX at XXXX. I even used another number and after an abrupt phone of the wife, XXXX? She didnt offer any help to even reduce the bill, she simply repeated what he said who never got back to me the previous evening ( when I requested a call back by XXXX when we spoke at XXXX on the XXXX ) on the day of a counseling appointment which I can prove to you. I ended the call with the wife as it was going nowhere yet they tout being honest and then theres none. A misleading website and he sent multiple text messages to confirm the time which was unnecessary and not on time which shouldve been a red flag. The final merchant XXXX XXXX XXXX in XXXX XXXX, Florida was unethical and not sure how many unsuspecting people they deal with as I had to clarify even the brand of starter that might be installed. Ive reported them yesterday through a Florida Department of Agriculture and Consumer Services? They were going to install a horrible product in my car and decided to only diagnostic other things if I gave them more business not to mention what I asked them to was install a ballast lightbulb which I put in the vehicle myself and XXXX at XXXX XXXX had the audacity to tell me that having the part in the car didnt save him money or time. I almost laughed at that arrogance. I dont know what they did since someone left my wand on and random boxes on the passenger seat and I was ignored when I walked in. I just wanted to be done with them that day. I need help with this insanity ; all three transactions. Not to mention that I have a XXXX case which will substantiate this. Ive tried to call XXXX and XXXX yet go nowhere. Im not sure if that would even be helpful and I pray that this works. This is tiring to write after trying to handle these merchants myself and I got their suggestions from XXXX reviews and a female friend. I cant handle significant phone calls and very concerned about dealing a new merchant for a while and now I need a new credit card. Thanks, XXXX
Company Response:
State: FL
Zip: 32751
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A