Date Received: 2020-10-21
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: After recently reviewing my credit report I noticed several inconsistencies regarding account XXXX in the payment history section. In my XXXX all three bureaus reported late payments in the month of XX/XX/XXXX and XX/XX/XXXX. In my XXXX credit report XXXX and XXXX reported late payments in XXXX and XX/XX/XXXX, while XXXX reported three late payments in XXXX, XXXX, and XX/XX/XXXX. As of XX/XX/XXXX, all three credit bureaus report late payments in XXXX and XX/XX/XXXX. There are also several inconsistencies regarding account XXXX in the payment history section. EXXXX is reporting late payments in the month of XX/XX/XXXX, XXXX in the month of XX/XX/XXXX, and XXXX in the months of XXXX, XXXX, and XX/XX/XXXX. All of these reports can not be accurate and I have submitted several disputes with all credit bureaus over the last 2 years only for them not to thoroughly investigate and see what I see and correct theses errors and I would like for them to be deleted immediately.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: A few years ago, I took a cash advance out on my Discover credit card to pay an employee. I knew the interest was higher but was unaware of Discover 's scheme to raise the balance of the amount charged the higher interest rate. To keep it simple, I noticed the amount seeing the higher interest rate was about double what I borrowed for the cash advance. I called Discover and asked their reps about what I thought was happening and they assured me the cash advance balance was not increasing. But, it was. After several more phone calls, I realized what Discover does. If I have a {$5000.00} balance, {$2500.00} cash advance and {$2500.00} purchase balance, and make just the required payment every month, Discover takes the payment and applies the entire amount to the purchase balance. Then, they take the interest and apply it to the cash advance balance so that, over time, the entire balance could be charged the typically much higher interest rate. This was not made clear when I took the cash advance. It was not made clear when I called the call centers. In fact, the call center reps found it impossible in many cases, to explain the process and it wasn't until I finally reached a supervisor who confirmed what they do. I said I felt I should get some kind of a refund of the interest charges and that I would record the phone calls to prove that even their own reps found their process confusing. I was told I would not get the refund I wanted and that I, under no circumstance, would be given permission to record their conversations. But, I now have a balance of about {$5000.00} and the entire balance is being charge the interest rate of close to 30 % and the required payment is actually lower than the total amount of interest being charged. So, the balance is growing every month. While I would typically pay it off immediately after realizing this, duri ng the pandemic I have limited funds and feel this is an unfair and unclear scheme to get more money from their customers.
Company Response:
State: MD
Zip: 21212
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/28 I transferred XXXX from my Discover Bank account to a newly opened XXXX XXXX account, unbeknownst to me XXXX XXXX closed the account because I use my XXXX store as a mail address. On XXXX Discover transferred the money on line. XXXX XXXX says that the money was rejected and Discover says they do not have the money. Neither Says they know where the funds are.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I had a discover account and a credit card for that account that was enrolled in auto pay for several years. At some point, my credit card was stolen and after reporting I was sent a new credit card. I did not use this card for a few years until I was asked to either use the card or the account would be closed. Consumers should not be forced to use a card. However, I used the card to make purchase and months later I received an alert on my credit monitoring service that my account was delinquent. On contacting the customer service dept about why my card did not auto pay the amount, they mentioned that discover uses the same number for credit card and account number ( an internal detail ) and that changing a credit card number changes the account number and therefore the auto pay setting was turned off. I received no email, no text message, no phone call notifying me that my account was past due. When I talked to the agent she asked me to check my statement and my statement showed due date in the future and no indication of having missed a payment. She then walked me through the previous balance and interest charged and then mentioned because you have previous balance your account should be considered due ( Note that accounts can have previous balance even if you make minimum payments and this is not an accurate method to say the account is past due ). Totally horrible customer experience and discover was not willing to acknowledge that they are at fault. Internal details of a company and how their cards or security work shouldn't impact the end client and their financial future.
Company Response:
State: CA
Zip: 94121
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello, I am XXXX XXXX XXXX and I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.
Company Response:
State: TX
Zip: 77033
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-20
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XXXX Discover Card offered a zero percent interest rate on all purchases for 12 months. I've been a customer of Discover since 1996. I only use this card once a year to keep my account open, due to high interest rates. Upon receiving the promotional 0 % APR, I commensed to charge on the card. Over XXXX XXXX dollars were charge under the impression that it would be a 0 % APR. Upon receiving my next statement, the normal 11.99 % interest charge was still in place. I called to inquire and was told that in addition to activating the card, I had to call a different number ( not provided ) in order to activate the new interest rate. Discover was willing to activate the 0 % interest rate on any future charges, but the balance would still have 11.99 %. This is a deceptive practice and false advertising. Please help me.
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 1.DISCOVERBANK acct. # XXXX bal. $ {$19000.00}
Company Response:
State: MA
Zip: 02125
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is a complaint about Discover 's payment policy. Discover allowed a thief to make false payments that then bounced in order to exceed credit limit when I was not aware card had been stolen. Discover 's inefficiencies do not allow for payments to be held until the amount has cleared the bank. Multiple payments were made in a very short period and Discover did nothing to stop the thief. Discover controls the payment policies, not the consumer and should not be liable. Discover responded that my concerns were forwarded to leadership in the appropriate area. That doesn't benefit me after Discover 's payment policy created the damage. And then I was asked to " please contact Customer Assistance and Recovery department at XXXX XXXX XXXX XXXX to discuss repayment arrangements. '' I am sure that is to pay in full due to Discover 's inefficient payment policies in the year 2020.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I made a payment on my Discover Credit Card in XXXX on XX/XX/XXXX of {$110.00} through their automatic payment over the phone, but Discovery Card said they were unable to locate the bank, and the Bank XXXX XXXX XXXX had not record of being contacted by Discovery Card for any payment Originally after I made the payment for {$110.00}, Discover Card sent me by email a confirmation stating that the payment had been scheduled. However, later they informed me when I called to make sure the payment was processed that it did not go through. When I spoke to them about this on XX/XX/XXXX, we determine that their automatic system had recorded the wrong routing number. However, a supervisor named XXXX told me that they had to access me a fee for the payment not going through even though it was their automated phone system that did not work properly. Later he said the fee was taken off but for some strange reason my minimum amount due for XX/XX/2020, was {$120.00} instead of {$62.00} as it was in XXXX of XX/XX/XXXX. i do not understand how this happen? I want you to investigate how they did not get the correct routing number when I first attempted to pay {$110.00} on XX/XX/XXXX or near that date through their automated phone system. When I paid the {$120.00} on XX/XX/XXXX to an actual live person over the phone that payment went through and was processed! On XX/XX/XXXX, I made a payment of {$120.00} twice the amount of the minimum payment, so the minimum payment for XX/XX/XXXX should have been {$62.00}, but XXXX the supervisor I spoke to said the minimum payment had went up to {$120.00} because the attempted payment of {$110.00} did not go through as a result of their automated phone system not recording the correct routing number for my bank XXXX XXXX XXXX. This did not make sense, and needs to be investigated!!!
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2020-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-19
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Discover has repeatedly contacted my grandparents ( whom I do not or have not ever lived with ) regarding my missed credit card payment. My grandparents were not aware of my credit card, as I am an adult and live on my own. The payment amount owed was given to my grandparents which according to the Fair Debt Collection Practices Act, a federal law, is illegal. After contacting Discover about the crime that has been committed against me, they have provided absolutely no solutions to this issue. I will attach a recording of my phone call with a supervisor at Discover where she admits what they have done is " not allowed '.
Company Response:
State: AL
Zip: 35640
Submitted Via: Web
Date Sent: 2020-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A