Date Received: 2023-05-14
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: discover has failed to provide me with the proper documentation to validate and verify this alleged debt a copy of the agreement and full disclosure that meets the requirements under federal statute. violation fair credit reporting act, truth in lending and fair debt collection practice act DISCOVER has violated the FCRA 15 USC 1681a ( 2 ) ( i ) - reporting information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666 BILLING ERRORS 15 USC 1666d ( a ) ( 1 ) - 15 usc 1692g ( a )
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I called the company on XXXX at the request of my bank and requested a 10 day pay off letter. They refused to provide me with this. Stated that I could just send them the amount due on my next billing statement. I explained that I was having the bank issue a check to pay the balance and did not want to accrue any further interest. They continued to refuse to provide me with the payoff letter. My bank issued a check to the company in the amount on the statement. The tracking number provided shows the company received the payment on XXXX. The payment has not yet been posted to my account which has now accrued an additional {$100.00} in interest charges. I called the company and they advised me that they are not required to post the payment to my account until the XXXX, regardless of the fact that they have the payment. Therefore allowing them to continue to accrue interest charges. I do not feel that I should be responsible for any interest that has accrued beyond the amount that the check was written for considering they refused a 10 day payoff letter and are now refusing to post the payment to my account
Company Response:
State: NY
Zip: 149XX
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am a victim of identity theft, and an account was fraudulently opened with Discover Bank using my personal information, including my name, XXXX, and date of birth, on XX/XX/XXXX. The address and phone number used to open the account were not mine, and they belong to the thief. I am a XXXX citizen who has been living in XXXX for the past 13 years until I came to the XXXX for work on XX/XX/XXXX. At the time of the identity theft, I was not present in the XXXX and did not have any address here. I discovered the fraudulent activity after my arrival in XXXX, and since then, I have been disputing the fraud account with Discover Bank . I have submitted a Police Report, Passport Copy ( with stamp pages ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. for past years ( issued by XXXX XXXX and Border Protection ), my VISA status, and all possible documents to prove that it was impossible for me to open an account, receive a card, or make any transactions in the XXXX during that time. However, Discover Bank keeps denying my dispute, claiming that the account was opened with my information and that a statement was sent to the thief 's address. It seems like the investigator is missing the whole point that my ID was stolen and used to create a fraudulent account, and that Discover Bank sent the fraudulently made card to the thief 's address for illegal use. Timeline : XX/XX/XXXX : Called Discover Bank, advised to call collection agent ( Radius Global ) XX/XX/XXXX : Called XXXX XXXX, advised to wait for notice XX/XX/XXXX : Received a letter from Discover Bank, asking me to submit dispute by fax XX/XX/XXXX : Sent fax to dispute ( explanation letter, SSN copy, Passport, Police Report, etc. ) XX/XX/XXXX : Received a denial letter from Discover ; called to reopen the case and sent fax again ( same as XX/XX/XXXX ) XX/XX/XXXX : Received another denial letter from Discover ; called to reopen the case and was asked to submit passport stamp page XX/XX/XXXX : Sent fax ( explanation letter, passport stamp pages, US Gov documents, XXXX copy ) XX/XX/XXXX : Called Discover and confirmed the receipt of fax XX/XX/XXXX : Received another denial letter from Discover XX/XX/XXXX : Called Discover to reopen the case again.
Company Response:
State: NJ
Zip: 07093
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I recently received a copy of my XXXX, XXXX or XXXX credit report, and I noticed some late payments posted on my credit report Discover Bank XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you permission to furnish this account on my credit report? Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Reverse the above late payments from my consumer report, this agency is in violation of 15 USC section 1681 Failure to respond satisfactory with reversing of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance 616 Civil liability for willful noncompliance [ 15 USC S1681n ] Best Regards, XXXX XXXX
Company Response:
State: VA
Zip: 232XX
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XXXX XXXX I received notification from Discover Card that they believed a fraudulent transaction occurred on my Account for {$220.00}. I verified that it was fraudulent and thanked them for proactively contacting me. While talking with them on the phone they said that I would not be liable for the fraudulent charges and they would take care of it. They issued an immediate credit for {$220.00} and then cancelled my cards and issued new credit cards that I received in the mail a week or so later. On XX/XX/2023 they issued another credit of {$220.00} with the tag that it was a temporary credit pending investigation. The charges were from a merchant XXXX CA that I have never heard of nor have done business with. On XX/XX/XXXX they reversed the temporary credit of {$220.00} pending investigation without notification to me. I noticed the reversal on my account and called them a day or two after. During this call they transferred me to the fraud department and they said that it was a correction because they had issued 2 different credits to my account for {$220.00}. It was not very clear as to why they issued two credits and why they reversed one without notifying me, but once again I was told that I was not liable for the fraudulent charge of {$220.00}. On XX/XX/2023 I received a letter in the mail from Discover card dated XXXX XXXX stating that they had finished their additional review of the disputed transaction and found the charge to be valid. It stated that they had reversed the credit of {$220.00} and it was based on information that I submitted along with documentation provided by the Merchant which they attached. First, I never submitted anything to them ; they contacted me. Second, and most importantly, the 8 double sided pages they sent all clearly show that it was not me nor anyone on my account who made the transaction. The documents show it is a person located in Texas, not New Mexico where I live, a different name, different email address, and a different IP address than mine for the purchase. So all information sent to me does not match my personal information and is wrong and erroneous. I can share copies of this document if needed. So I called Discover card on XX/XX/XXXX and talked with XXXX in their Delaware office who quickly reviewed my account and the letter and apologized. She said I was completely correct and that the letter was a mistake and that they would credit my account and take care of it immediately. On XX/XX/XXXX I checked my account and the fraudulent charge was still showing on my account with no reversal. So I attempted to call them again and after being on hold for an extended time waiting to speak to a supervisor I was disconnected or hung up on so I called back again and after another extended period of being on hold waiting to speak with a supervisor I was transferred to a XXXX who I asked for her last name so that I would have some accountability and she refused to give me her name and was quite curt about it so I asked to speak with her manager and was told no managers were available. Which is ridiculous, so I told her I would wait. After almost 30 minutes she finally said her manager XXXX was available and she would transfer me. But she transferred me to XXXX voicemail. So I called back again and once again after another extended hold. I talked to a person by the name of XXXX who refused to let me talk to XXXX or any other manager and was just plain nasty and belligerent. So I did raise my voice after being on hold and hung up on, sent to voice mail and told her that I needed to speak with a manager immediately and how was it that XXXX was available 20 minutes before and not now. So she started to threaten to hang up on me and I told her not to but she hung up on me anyway. So I called in again and asked for a supervisor on the customer service team instead of the fraud department since they were not helpful and spoke to a XXXX who seemed extremely nice and helpful. She called over to the fraud department in my behalf and advocated for me. She told me once again that I was not going to be liable for the fraud charge of {$220.00}, and apologized for the the letter and said once again that it was a mistake by a different group. She also stated that it would take 72 hours for the charge to be removed which I told her was ridiculous, but was hopeful that it would be resolved. So as of today, XX/XX/XXXX, more than than 72 hours and the charge has not been reversed or refunded. I attempted to call Discover 's Customer Advocacy Group at XXXX and big surprise no live person to speak to only Leave a message which I did. I have not received a call back as of this time. The real sad thing is I keep seeing Discover Cards advertising where they say you will never have to pay for fraudulent purchases on your card with them. They need to be accountable for their false statements, lack of customer service and incompetence.
Company Response:
State: NM
Zip: 87124
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX reports account incorrectly. Account was opened fraudulently.
Company Response:
State: NY
Zip: 11729
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Discover Bank - XXXX I was the victim of fraud. I was unaware the card was being used and charges were on it. I spoke to Discover once the matter came to my attention. I advised them it was fraud and they advised the item would be removed. I even went as far as paying the charged off amount because I didn't want a bad relationship with Discover even though I was the victim. Discover is refusing to remove the matter off of my credit report, even though the amount has been paid in full, even though it was communicated fraud occurred on the account. At this point I'm being nailed to cross for a matter that I had no hand in and the company has been made whole, in full, with the payment of over XXXX that was remitted once I was made aware of the situation.
Company Response:
State: CA
Zip: 92780
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: The investigation took longer than 30 days. I have attached the dispute letters I sent to XXXX, XXXX, and XXXX which date my First letter to XX/XX/23 and my second letter to XX/XX/23.
Company Response:
State: MI
Zip: 48111
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: NOTICE OF DISPUTE : DEMAND FOR VALIDATION AND PROOF OF CLAIM Dear Consumer Financial Protection Bureau. I am writing to file a complaint against Discover card regarding their dispute resolution process. Despite my attempts to dispute a charge on my account, Discover has failed to validate my dispute and instead sent me a statement for verification. This practice is in violation of the Fair Credit Reporting Act, This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration of Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication under 15 USC 1681i. This complaint is backed by the words of congress when it comes to verification of an account. According to this law, creditors are required to investigate disputes and provide consumers with a method of verification. However, simply sending a statement for verification does not qualify as a valid method of verification. I am frustrated by Discover 's failure to properly investigate my dispute and provide me with a valid method of verification. I have received nine copies of the same exact letter with no further explanation. I believe that this is a serious matter and that Discover 's practices are unfair and deceptive. I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against Discover. I also request that you provide me with any assistance that may be available to me in resolving this dispute. Thank you for your attention to this matter.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
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: In early XXXX of XXXX I purchased a refurbished kitchen appliance from a website for the price of {$64.00}. The merchandise was never delivered to me, I do not have the name of the seller ; website and email address have completely vanished from the Internet after I threatened to file a Police report. I reported the charge as fraudulent to Discover. I used XXXX as a guest, my Discover Card was charged on XX/XX/XXXX. Discover cancelled the card ending in XXXX for safety reasons, reversed the charge on XX/XX/XXXX and a new card ending in XXXX was issued. I had considered the case closed. After I had received a letter from Discover that they had tried to call me several times and that I should call the Fraud Department, I had a long conversation with an agent regarding the allegedly fraudulent charge of {$64.00}, that they determined no fraud was committed, but there would be another 19 days until they would close that case, and that my account could be charged again with those {$64.00}. In that case I should call the Billing Department and discuss with them what could be done. I received my billing statement for XXXX online on Friday XX/XX/XXXX, and I immediately noticed that my account was charged again with {$64.00}. I started making calls to Discover that same morning, I had to tell the story to six different agents and still was told that this charge is not considered fraud, since I authorized a payment. That I had never received my merchandise did not seem to matter, but at least one of the agents gave me a little bit more information and told me XXXX had provided them with a USPS tracking number, which indicated that my merchandise was delivered on XX/XX/XXXX. The tracking number is : XXXX XXXX XXXX XXXX XXXX XXXX. I went to my local XXXX XXXX XXXX XXXX, ( XXXX ) XXXX, talked to clerk XXXX, he was able to confirm that this was not a package meant for me, but a XXXX. package ( postage {$4.00} ) which was delivered on XX/XX/XXXX, to XXXX XXXX XXXX in XXXX XXXX, OH ( I live on XXXX XXXX XXXX in XXXX XXXX, OH, but the two cities share the same ZIP Code ). My merchandise would have been about XXXX. XXXX opinion was that the merchant had fished a tracking number, provided XXXX with it, they took it as valid and provided Discover with the information that a package with that tracking number was delivered. With that information I contacted XXXX. Using the information from my Discover statement XXXX XXXX XXXX CA. I was lucky that agent XXXX was able to find the dispute with Discover within a few seconds, that it was closed as not fraudulent since the merchant had provided a USPS tracking number as proof of shipping. We discussed the case in detail, and he agreed that it is considered fraud when a seller provides a false tracking number to make the buyer believe he has shipped merchandise, but he also admitted that it is nearly impossible to verify all information they get from merchants, there are simply too many claims like this. XXXX has the case reopened and escalated, and I was supposed to hear from them by XX/XX/XXXX, and that it is very likely that the charge would be reversed in my favor. That did not happen, and I called XXXX again on XX/XX/XXXX. The agent told me to get in touch with Discover again and request a chargeback, and that XXXX would not be able to help me. On Saturday XX/XX/XXXX, I had received a letter from Discover in which I am told the investigation has been completed and no fraud has occurred on my account, and that the dispute has been reported to the credit reporting agencies until I advise Discover to remove the dispute status. On XX/XX/XXXX, I sent a Fax to a number Discover Customer Protection Services had provided me with. I requested the dispute to be removed from my credit reports and to provide written proof by XX/XX/XXXX. Neither Discover nor XXXX have done their due diligence in this case, and in return for doing this entire investigation myself, I am now stuck with Discover reporting this dispute to the Credit Bureaus, plus I am charged with an amount of {$64.00} and no merchandise. In my call to Discover on XX/XX/XXXX an agent told me Customer Protection Services does not accept faxed documents, and they did not know who received my fax. I asked to tell me what department is using the fax number I had been provided with, the agent refused to answer that. I then asked for the billing or chargeback department and asked the agent why they had not opened my case on XX/XX/XXXX during my first interaction with them, and I was told that the agent was mad that I had asked for a supervisor, and that she asked me for documentation, therefore she did not change my case from fraud to chargeback. I told her that I would send my fax from XX/XX/XXXX again, this time to the billing department, in which everything is explained in detail, she refused to provide me with a fax number. I used online-banking and an agent with the name XXXX in an online chat and asked for a fax number for the billing department. I have sent another fax today.
Company Response:
State: OH
Zip: 44138
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A