Date Received: 2023-03-06
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: In accordance with the Fair Credit Reporting Act XXXX this creditor, has violated my rights. 15 USC 1681 Section 602 states, I have the right to privacy. 15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: OH
Zip: 45238
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: On XX/XX/XXXX I used Discover credit card to purchase a 6 month vehicle insurance policy from XXXX insurance in the amount of {$570.00}. On XX/XX/XXXX i realized that i had been charge twice in the amount of {$1100.00} dollars by XXXX insurance after looking back into my Discover credit card E-statements dated XX/XX/XXXX thru XX/XX/XXXX. i contacted Discover and they opened a claim under case number XXXX, and i contacted XXXX XXXX and they provided a receipt stating that is was not an error from there part that they had only charged once in the amount {$570.00}, there for and error on Discover card services. I have not received a email, or letter as off XX/XX/XXXX with a resolution on this charged on my credit card.
Company Response:
State: AZ
Zip: 85051
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Good afternoon! I tried reaching out to the Discover credit card company on XX/XX/XXXX regarding my late payment. I am having trouble financially. I was told by XXXX that there are XXXX programs that may be able to help me. I did not turn this offer down, I told her that I needed time to see which program I would most benefit from. Moving forward, I called back again on XX/XX/XXXX with the program I had decided on. This time I spoke with XXXX. He told me I had declined the programs and that there was nothing he could do. So, I called back and talked to XXXX, and she told me if can pay the minimum payment of {$170.00}, I would be able to choose a payment program. That being said, I did pay the {$170.00}, only to be told by ( I think her name was XXXX ) that there was no program available. I then asked to speak to a supervisor- ( I did not get his name ). He said that my account is still showing deliquent, and until I paid the remaining minimum balance of {$150.00}, there was nothing he could do. Also, he said for me to call back after making this payment, that there was a possibility that there may some type of program but that he couldn't promise anything. I repeatedly said that I didn't refuse the programs, I just needed to decide which one. They take that as a refuse, and then they refuse to help you. The XXXX programs I was originally presented with was a XXXX XXXX reduced rate at XXXX, and then a temporary hardship program for 6 months at which time I would pay {$75.00} monthly, and that I wouldn't be able to use my card in that XXXX month time period. I was given false information, and feel that I was tricked about them actually being able to help me.
Company Response:
State: NJ
Zip: 087XX
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Discover card has a fraudulent account on my credit report i want removed, I have sent information stating I a victim of identity theft, i did not open this account and discover is ignoring my request to have this account removed from credit report, I will send a demand letter is this communication does not demanding that this account be removed or i will send a letter for demand for arbitration, this account was not open by me, I will send information explaining and show I am a victim of identity, I just sued XXXX and successfully won my case in arbitration because my information was exposed in a data breach, that also my information was compromised in that breach, this not my account I demand the removal of this account or i will seek legal action against discover card for opening a fraudulent account in my name
Company Response:
State: GA
Zip: 30101
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I had a due date of XX/XX/XXXX to pay monthly payment of {$270.00} to Discover for my credit. On Friday XX/XX/XXXX, I contacted discover to let them know that on Saturday XX/XX/XXXX, my wife and I opened a new checking account and to let them know I would submit the payment asap before XX/XX/XXXX to ensure that they wouldn't report me for being late. XX/XX/XXXX, I added my new checking account information to which I was successfully able to add and make the total payment of {$270.00} including the bonus cash I received from Discover. Monday XX/XX/XXXX, discover sent me an email stating that they received the payment. Thursday XX/XX/XXXX, I received another email stating that there was an error and that the payment was returned due to my financial institution listed it as a invalid account. I then had to transfer money to a different account to make a separate payment on Friday XX/XX/XXXX which is now a few days after the due date and 5 days after my initial payment on Sunday XX/XX/XXXX. I spoke with my financial institution XXXX XXXX earlier today XX/XX/XXXX and they confirmed where the payment was confirmed and if Discover processed everything correctly on that Monday, XX/XX/XXXX than everything would've been processed in time therefore the payment being correctly processed and not having to take a huge credit hit for a something I had no control over. XX/XX/XXXX, I also contacted discover as well to find out that they blocked the original account information that I originally entered and now I'm having to mail in a check for them to verify the account information that I originally entered with the initial payment made on Sunday XX/XX/XXXX. I did everything on my part to ensure that I made my payment ahead of time and I find myself in a situation where I'm being put at fault for something I didn't do.
Company Response:
State: AL
Zip: 36695
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: To begin, Discover ( Discover Banking-Savings ) solicited me on XX/XX/XXXX with a 'bait and switch ' offer to open an account with complete flexibility for withdrawing money while paying me simple interest and even a {$150.00} bonus if I made a {$15000.00} deposit within the stated window and simply kept the account open 30 days with the minimum {$15000.00} having no minimum holding / maintaining period requirement. I not only carefully checked the very favorable terms and conditions - I called their phone number on both XX/XX/XXXX and XXXX to have them confirm/ reaffirm my understanding of such terms and conditions. Then on XX/XX/XXXX, I successfully ( at least I thought ) completed application while, at this time providing {$15000.00} deposit information & authorization from my XXXX account. Complaint # XXXX ( of # XXXX ) begins on XX/XX/XXXX when it becomes apparent to me that my account opening was not yet effected, i.e., after NOT yet seeing seen my XXXX transfer going to Discover Savings being ( yet ) deducted from my XXXX XXXX XXXX account, NOR any notification or confirmation ( yet ) from Discover Savings such as an email from them stating that the account was successfully opened with an opening {$15000.00} deposit. Again, everything with my XX/XX/XXXX online application HAD appeared to have been successfully accepted-completed. THUS, this Complaint # XXXX = no notification, whatsoever, of application declination UNTIL 19 days declination letter was initiated/ '' dated '' expressly as XX/XX/XXXX, and delivered snail mail several days after that XX/XX/XXXX, letter notification date. Complaint # XXXX ( of XXXX ) occurring on XX/XX/XXXX, after successful XX/XX/XXXX, re-application re-attempt with the {$15000.00} initial deposit both coming out of my XXXX account and posting on my new Discover account ( both ) on XX/XX/XXXX. On XX/XX/XXXX, the site would NOT allow me to make normal ACH transfer withdrawal of {$7500.00} i.e., back to my bank account ( same exact routing # and account from which {$15000.00} deposit came 22 calendar days earlier ). After hours on the phone with Discover- ( again on XX/XX/XXXX ) representative said they would INSTEAD do a free Wire transfer on-line with a Discover Rep assisting me on the phone until full completion. Everything went through, EXCEPT THAT IT REALLY DIDN'T as I subsequently discovered on Saturday XX/XX/XXXX, when I learned that they needed YET MORE information since the account had not yet been opened 20 full business days ( and, supposedlyXXXX XXXX could ask for their money back up to 20 subsequent business days???? and that would thus leave Discover in a negative position is they sent roughly half of the {$15000.00} back to the exact same account from which it came. ( Please note however : XXXX tells me possible retraction-revocation could occur no more than 5 business days and NOT XXXX business days as Discovered personnel claimed ). On Saturday, XX/XX/XXXX, Discover could not tell me what the problem was, exactly, and I had to call back Monday, XX/XX/XXXX, when the " wire dept '' was opened. Also, on this XXXX day, I happened to have tried the normal ( ACH ) " transfer '' link and noticed that it was now working, so, I went ahead and added a regular ACH transfer of + {$7500.00} ( back to same XXXX account ). Also, the system said it is now 'scheduled ' and would be delivered to my XXXX account no later than Friday, XX/XX/XXXX. Final and most severe claim # XXXX ( of XXXX ) - came Monday XXXX XX/XX/XXXX, when wire department was now open. Please keep in mind that at this juncture, 2 withdrawal transfes for {$7500.00} ( wire ) and {$7500.00} ( ACH ) were already in process -- theoretically leaving remaining ( future post withdrawal ) balance of {$170.00}. Relative to the wire withdrawal that I had thought was completed on XX/XX/XXXX - the Discover Wire dept. put me on the phone with my XXXX XXXX and adequately verified everything to their satisfaction except that they still wanted me to complete a link requiring me to submit scan of both sides of my license as well as ( wait for it ) a " selfie '' pic. Moreover, later that morning, I opened the respective link which was still required in order for me to proceed -- only to find that it FURTHER wanted me to waive all rights to arbitration and enjoin me from joining any class action lawsuit. At that point ( with the incredible changing b.s. hurdles in conflict with my contract " terms and conditions '' ) -- I decided that I would simply forgo the wire transfer and use ACH going forward i.e., for the one already successfully scheduled for Friday, XX/XX/XXXX, AND any other future desired withdrawal. HOWEVER, later that day when I checked my Discover online account - I noticed that they had removed-eviscerated my already ( previously ) scheduled ACH normal withdrawal-transfer. When I informed them of their mistake- not only would they NOT correct the so-call " indefinite freeze '' on my account- Discover insisted it that it will never be removed -- and thus I will never effectively have access to my savings UNTIL such time I capitulate to their new and ridiculous ADDED demands of ADDITIONALLY sending scans-pics of both sides of my driver license PLUS an XXXX " selfie '' no less. These newly added new contractual " terms and conditions '' after taking err ... " scamming '' me, ( please see complaint # XXXX above ) for my money, are not only 'laughable ' - they are also patently illegal, to my knowledge -- per Uniform Commercial Code ( UCC ) as well as a bevy of Consumer Financial Protection laws.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have reached out called and messaged Discover on several occassions asking to remove a 30 day late payment that was not 30 days late. They just tell me it is their obligation to report proper info to the credit breau but what they are reporting is incorrect. I am a long time Discover bank customer they are going to lose if this can not be fixed. XX/XX/2021 it was reported I was 30 days late I called and the company refused to correct anything I have made several attempts calling and writing letters
Company Response:
State: MA
Zip: 02151
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Discover closed my card shortly after making a monthly payment after saying they couldn't verify my information. They essentially got free money out of me and I feel very dissatisfied with how my account can be closed at will randomly when I did not do anything wrong. This is my only account that was closed out of nowhere and my credit score will take a tumble as a result.
Company Response:
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: My name is XXXX XXXX. I am filing my complaint voluntarily and independently of any third parties or agencies. Please see my full complaint and request in the documents that are attached.
Company Response:
State: OH
Zip: 44146
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX On XXXX XXXX the Firm served me with a letter, Dated XX/XX/XXXX, saying I owed Discover Bank {$3400.00}. They said on various occasions I also allowed Others to use my Card for purchases or to withdraw Cash. They also implied I, myself, withdrew Cash ... None of this is true. I also saw no Date or where to appear on the Summons. I fell on hard times & could no longer keep the Card. I looked it up on my Credit Report & it said that the Charge was written off, I believe, in XX/XX/XXXX. I returned a letter to her saying I would be willing to try to pay on it, if they could reduce the total & would allow me to pay on it AFTER I finished paying off another Card I'm currently paying on. She responded saying I would have to pay {$120.00} a month, plus 10 percent annual interest beginning XX/XX/XXXX ( I received their letter on XX/XX/XXXX ) & Sign a " Stipulation '' Agreement stating : " By signing this Stipulation & Consent I am acknowledging that I have been served with the Summons & Complaint and that I FREELY give up my right to an Attorney. Is that Legal?
Company Response:
State: SD
Zip: 57104
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A