Date Received: 2022-12-23
Issue: Struggling to pay your bill
Subissue: Filed for bankruptcy
Consumer Complaint: This card was aquired at a time I was married to the mother of my children. She had used it on different occasions and I decided to fille for bankrupcy at the time and the credit cards where in the audit. I had this mention to the credit card company thus they terminating my account.
Company Response:
State: PR
Zip: 007XX
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: There was an unknown transaction in the amount of {$300.00} that took place around XX/XX/22 that funds were taken out of my account. I do not know who the receipient of the funds were and brought this to the attention to Discover Bank promptly that this was an unauthorized/fraud transaction that occured. I received a letter stating they would not be issuing a credit to my account to correct this fraud transaction.
Company Response:
State: TX
Zip: 75254
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: In XXXX of this year, I opened an individual savings account and a money market account under my trust with Discover. I linked my individual XXXX XXXX XXXX XXXX ( XXXX ) checking account and a separate savings account under my trust. XX/XX/2022 - received email from XXXX stating that my XXXX transfer to Discover was reversed. Apparently, the transfer I made from my XXXX XXXX savings account to Discover was disallowed by XXXX since savings account are not allowed to do XXXX transfers per XXXX policy. - I contacted Discover and got a recorded message that Discover made a business decision to close my account ( I later found out was my money market account ). XXXX - Spoke to different CSRs from Discover some saying my account was closed and some saying my account was suspended. XX/XX/2022 - XXXX restored my online account access. XX/XX/2022 - received emails stating unusual activity detected and my account was closed. XX/XX/2022 -contacted discover, was told my money account was closed and check being sent to me between XXXX working days. Told to call back next day for online access. XX/XX/2022 - After insisting to speak to a supervisor, supervisor XXXX ( XXXX. # XXXX ) indicated my account was suspended. I asked that fund be transferred to my account since I need access. XX/XX/2022 - called again and was told that to wait for a call between 24-48 hours from day before and XXXX can't do anything form. I asked for corporate office number, but officer are closed at XXXX EST when they indicate their operating hours are til XXXX XXXX EST. I need to get access to my funds and Discover XXXX told me that issues like this XXXX take a couple of weeks to resolve.
Company Response:
State: CA
Zip: 93033
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I made a payment of {$290.00} to Discover in XX/XX/2022 at which time I also entered into a temporary hardship relief program that lowered my monthly minimum payment to {$53.00} for 12 months and also lowered my APR to XXXX %. I have paid the monthly minimum payment on-time in XXXX and XXXX of 2022 both on the XXXX, however the payments have still been reported as late to all XXXX major credit bureaus. During these months my balance was below the credit limit. Even though I have entered into the new payment program, my monthly statement still reflects a higher monthly amount due when my balance is below the credit limit. If the issue is that there is still a higher monthly payment due for whatever reason, Discover should demand that amount be paid BEFORE entering into a new payment program with a lower monthly due amount, so to not make matters confusing by providing multiple minimum payment amounts to the consumer. Once entered into the new payment program, all previous monthly payment amounts should be voided to allow future payments to be reported accurately and consistent with the payment program.
Company Response:
State: MD
Zip: 21061
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My account was suddenly closed on XX/XX/23 because they could not verify my account information for some reason.
Company Response:
State: TX
Zip: 77377
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Per 15 usc 1681m C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for no- tices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. I do not have to have any addresses on file or email. I DO NOT WANT ANY ADDRESS ON FILE THESE ADDRESSES ARE NON MAILABLE. XXXX is also allowing Discover Financial Services and XXXX Bank XXXX to view my credit report numerous times from XXXX. XXXX is in violation of my rights Per the Privacy Act of 1974 and 12 CFR 1022.41 and 15 USC 6802-6805 Opt-out 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. c ) Furnisher means an entity that furnishes information relating to consumers to XXXX or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in XXXX primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. ( b ) CONDITIONS OF DISCLOSURE.No agency shall disclose any record which is contained in a system of records by any means of communica- tion to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under sub- section ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agen- cy with advance adequate written assurance that the record will be used solely as a statis- tical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ACCOUNTING OF CERTAIN DISCLOSURES. Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under sub- sections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to an- other agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under para- graph ( 1 ) of this subsection for at least XXXX years or the life of the record, whichever is longer, after the disclosure for which the ac- counting is made ; ( 3 ) except for disclosures made under sub- section ( b ) ( 7 ) of this section, make the ac- counting made under paragraph ( 1 ) of this sub- section available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been dis- closed to the person or agency if an account- ing of the disclosure was made. ( n ) MAILING LISTS.An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. This provision shall not be construed to re- quire the withholding of names and addresses otherwise permitted to be made public. 31 CFR 29.518 - Reporting delinquent debts to credit bureaus. e ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau. 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. ( b ) Financial institutions safeguardsIn furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from afinancial institution nonpublic personal information under this section shall not, directly or through anaffiliate of such receiving third party, disclose such information to any other person that is anonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 15 U.S. Code 6805 Enforcement ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries oraffiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) XXXX Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under XXXX ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state :
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Our Discover Card payment was due on XX/XX/XXXX. On XX/XX/XXXX I paid off the entire balance of {$8500.00}. On XX/XX/XXXX I noticed there was another balance on the account and paid the full balance of {$250.00}. The very next day, they had a balance of {$63.00} for interest. I contacted them about the never-ending scheme they had going on and they ignored me. I paid it off again today, XX/XX/XXXX. I have made three payments, in FULL, this month.
Company Response:
State: NE
Zip: 688XX
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: In early XX/XX/2022, I accepted an offer from XXXX for a balance transfer from Discover for the amount of {$2100.00}. I noticed a few days later that my debt doubled, Instead of owing just Discover {$2100.00}, I now owed both companies {$2100.00}. Fearing I had made a mistake, I reached out to XXXX 's customers service team to see what went wrong. After reviewing the documentation I submitted from the balance transfer, the agents at XXXX reassured me that no mistake had been made on my part, and advised me to wait a few days to see if my discover balance had been updated. A week later, after noticing my balance did not change, I reached out to discovers " customer service team to see what went wrong. The agent was not able to locate the payment and wanted me to reach out to fidelity to ask them to help them in locating the payment, so I did. XXXX did a full investigation and sent me a letter ( Which I have attached as proof ) that states that Discover did receive the funds, gave the date that Discover received the funds, the last four digits of the account number the funds were posted to, and even gave a reference trace number to help Discover find the payment. ( Said letter is attached ). I quickly reached out to Discovers ' team to get them that information, the agent did not know what to do with the reference trace number and suggested that I filed a missing payment dispute online. I filed the first claim online and uploaded all of the information Discover said that they needed ( I have attached the email from Discover stating what documentation they needed for my case, and also have submitted proof of the documentation I gave them in response, what is exactly what they asked for ). Despite all of this, my claim was still rejected. A month or so later I filed another missing payment claim after XXXX did a more thorough investigation and after uploading the newer documentation, the missing payment dispute was rejected again. You can see in the files I submitted where both of these missing payment disputes were rejected. Once I reached out to Discovers " team once again to see why the missing payment disputes were rejected I was told that the billing department wanted me to send pictures of the front and back of the balance transfer check to them, which is not a reasonable request since the balance transfer was an electronic funds transfer between XXXX and Discover, and I had provided proof that 1. ) the payment left my XXXX account as I now owe fidelity {$2100.00} for " Balance Transfer to Discover '' and 2. ) I provided proof that Discover did receive the payment and provided a trace number to help them find the payment. This has been a months long ordeal and honestly Discovers customer service appears to be very subpar. XXXX 's team has went above and beyond to help the agents at Discover resolve this issue and frankly, XXXX 's team seems much more knowledgeable than those at Discover as Discovers agents do not seem to know what to do with the information provided by XXXX. I do not think there is anything I can do further to assist Discover in resolving this issue.. Any help in resolving this issue would be greatly appreciated.
Company Response:
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Discover is advertising their student credit card as " NO CREDIT REQUIRED '' once I have submitted application I have ended up getting a hard inquiry. It's a false advertisement!!
Company Response:
State: MI
Zip: 48335
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
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: On XX/XX/XXXX, XXXX XXXX states they delivered the XXXX XXXX XXXX I purchased. I get home and there's no package there, it was stolen. I submitted a dispute through my Discover credit card and also submitted a previous CFPB complaint. Discover initially approved my claim, then rejected it stating that since the item was confirmed as delivered ( EVEN WITHOUT A REQUIRED SIGNATURE ), and it was stolen from my porch before I got home.
Company Response:
State: TX
Zip: 78258
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A