Date Received: 2020-09-16
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Sir, Discover Card closed my account because of non activity since XX/XX/2020. Coincidentally these were the COVID times where we are not venturing out much. My limit from XXXX $ goes to XXXX and account is closed unilaterally without any notice. I had a 20 years of building of this credit limit by purchases, balance transfers and timely payment and now I am advised to open a new credit card with a default few hundreds of dollars limit. I had plans to transfer my funds from other card on to this discover card and I was right timing that for this XXXX when they suddenly closed this account. This has my longest credit history built on getting erased, has increased my credit utilization and a new card will have much much less limit and opening will average down my credit history. This all will drastically bring down my credit score. Discover at no stage gave me a call explaining this and just closed the card. I have given about six calls to XXXX XXXX XXXX only to get one rude response after the other. My credit scores were rising all these days and has been GOOD, XXXX per XXXX This is unilateral and not a humane thing to do when people need all kinds of support in these Covid days.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-15
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: iscover Financial Service XXXX has issued me a credit card 1 month ago. However, they refuse to allow me to use mobile payment. They have announced that the function of mobile payment is available with this credit card when I was applying for it. But they just declined to get me verified when I want to add it to my mobile wallet. Especially during this pandemic breakout, we should make full use of contactless payment methods to avoid any unnecessary contact as much as possible, which is also required by the government. However, I have been calling the verification team of Discover credit card for more than 1 month but they keep saying their system does not allow them to send me the text message of verification code, by which they can prove that I am me? The phone number I am using is the phone number I applied for their credit card with. I also have this phone number registered on their website. They keep letting me refer to the credit bureau or the cellphone service company. And I have confirmed with both of the two that my phone number is correct and under my name. But Discover keeps answering me the same things saying that my phone number is not under my name. And they decline to connect me to a Consumer Complaint Department or the IT Department to help me with this issue. That means, they approved my application but refused my using the card without any convincing reason. The supervisors, XXXX XXXX and XXXX XXXX XXXX XXXX have always let me call back and said there might be a solution in the future. But they said they do not know when I asked when it is going to be. This is a type of discrimination and I have called them for more than 100 times, which is really a big waste of time. I feel so frustrated and discriminated since everyone around me has no trouble in that process. This is discrimination.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am disputing a letter that I received from a collection agency for a debt that I never had.I have been victim of ID fraud and I am disputing this collection as fraud ID theft. Please close the account and remove the entries from my credit report from all 3 credit bureaus
Company Response:
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2020-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-12
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: This complaint is directly related to my previous complaint # XXXX which you closed due to a fraudulent response from Discover Card and signed by XXXX XXXX XXXX complaint was related to the charge on my card for purchase of XXXX XXXX XXXX XXXX software. The " response '' provided Discover fraudulently indicated that " they did not recognize the charge '' which had nothing to do with the truth. As a matter of fact, I did purchase that software but the XXXX software billed a firewall ion my computer that did not allow me to use Internet, I was unable to send e-mails which started to accumulate in my " outbox '' without gong out. I had no other way but to remove that software from my computer and declined to honor the charge. The second fraudulent claim made by Mr. XXXX XXXX in that " company 's response '' was a claim that " On XX/XX/2020, we received documentation from the merchant that included a copy of the transaction details, terms, and explanation from the merchant that included a copy of the transaction details. '' Proof of my purchase I have myself, but I do not have any " terms '' of that purchase myself. As a matter of fact, when I disputed the practical validity of purchase ( and not the recognition of the transaction itself ) XXXX talked to me and told me that I " was supposed to call their technical support department when I had problems with that software installing a firewall that did not allow me to use Internet. I have never received any " terms '' let alone any telephone number for technical support. When I disputed the charge and later saw that charge reinstalled on the same date it was removed ( another fraudulent claim of Mr. XXXX XXXX XXXX I called Discover and talked to a man by name XXXX who told me that I was supposed to record those facts ( i.e., firewall that did not allow me to use Internet or accumulation of my outside mail in my " outside '' box, facts not disputed by XXXX when I talked to them after seeing the charge. And finally failure Mr. XXXX XXXX to inform of his actual days and time of being in the office. When I called Mr. XXXX XXXX on XX/XX/2020 I wanted to tell him that after I removed XXXX software from my computer it appears that it loaded on my computer again without my permission. Moreover, when I attempted to remove it I could not do it. After I pressed the button " remove '' I got a message that the process will take place over a time and that " process '' has never been able to be completed but practically was suspended in time. Only on XX/XX/2020 I was able to remove that software from my computer although before final step I got a warning that I " have current subscription to their services '' which I did not care but pressed the button to remove that software. Moreover, it appears that my computer had initially security software provided by XXXX. On the same statement on which charge for XXXX appeared there was a charge for {$29.00} for XXXX which I also disputed and which was removed. that charge was actually a valid one. I, therefore, on my payment date of XX/XX/2020 will pay that charge along with the interest charged by Discover for not paying the XXXX charge. After that I will never use that card again unless the dispute is resolved in a fair manner by Discover.
Company Response:
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-12
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: Discover marked me down for a late payment in XXXX but i was able to get it waived early XXXX and was told it would be taken off my credit report. My new billing cycle began today ( XX/XX/11 ) and the missed payment has not been taken off of my credit report. I was also told it should not have ever been reported. Was never sent an email about the waive but it shows on my discover app as a " late charge refund. ''
Company Response:
State: AZ
Zip: 85719
Submitted Via: Web
Date Sent: 2020-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. XXXX XXXX
Company Response:
State: MA
Zip: 013XX
Submitted Via: Web
Date Sent: 2020-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-11
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: DIscover revoked my account though my payments were on time. They said they saw something on my credit report and decided to close my account. In addition to revoking the account which they agreed had an outstanding payment history, they reduced my credit limit on my credit reports to the balance owed. This lowers my credit limit to debt ratio which further hurt my credit.
Company Response:
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2020-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-14
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: Greetings! For the past 3 months ( 2020 ) now I have humbly been working to clear up any and all errors on my credit report. In XXXX, XXXX and XXXX I have been working on asking the credit bureaus along with some companies to correct their wrong. I followed the blueprint I was allowed given the USA Law on the dispute process however these companies have gone to great lengths to violate and break the law. Now that they have done so month after month after month. I am humbly asking if you could please help me correct their error. They did not prove or validate anything to me according to the supreme law of Credit Reporting 3 months in a row. I am now asking to please have them correct their error. XXXX sent me a letter of a bill.. I don't ever recall walking or stepping foot into a XXXX in mylife. This was like the time Soneone had open a XXXX XXXX card and I never still till this day walked or been inside a XXXX. I had that removed also. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ),. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Company Response:
State: GA
Zip: 30314
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-13
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I applied for a Discover Card a few days ago and was approved immediately but wanted me to call them. After I called them, they asked a few questions like my previous address and wanted to call me on the phone number that I provided to them and then told me I am accepted and will get the card soon. The next day I got an email that they want my permission to call my tax return, so I did give them my approval. Now they want me to provide them with my three months of checking account statement, or they will cancel my credit card. Really? On top of that, they have put on limitations on my credit card. When I asked what are the limitations? A lady name XXXX said well, your credit card may not work in certain places. I dont feel comfortable giving my checking account statement to a credit card company. I think its unfair that they ask me all this verification information after I was approved for this credit card. If they wanted all this information, they should have done further investigation before giving me the credit card. I think it has to do with two things. One is my name, which is not a typical American name like XXXX, XXXX, XXXX. Somehow, they think I wont be able to pay my bills because I am an immigrant. The second reason is that I am retired. I think it has to do more with classism and xenophobia. Their credit statement clearly says that they dont decide based on race or age, but they sure are in this case. If I am already approved for a credit card based on my good credit, then what seem to be the problem? If they canceled my credit card because I dont want to give them my account statement. I am filling a lawsuit against Discover for classism and racism.
Company Response:
State: VA
Zip: 22043
Submitted Via: Web
Date Sent: 2020-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-14
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I had a simple thing happen to me - I lost a credit card. The last time that this happened, Discover messed up my replacement card too. Previous to this, I had to make a CFPB complaint regarding Discover 's incompetent staff that cancelled airline tickets by mistake a few years ago, putting a planned trip in jeopardy due to the circumstance of the voucher I used for a portion of the trip and their unapproved cancellation of my ticket purchase. Yet again, I am faced with incompetent customer service. I spent an entire weekend and several week days trying to get a simple replacement card. Many mistakes, hang ups, no call backs, misspelled email addresses, incorrect information, ridiculous security measures, rude people ... ..occurred just as a result of this 20-some year Discover card customer with a nearly XXXX credit score ... just trying to replace a card. Discover has a REAL problem with customer service. XXXX and XXXX, Ohio supervisors were wonderful. Note to Discover : model your customer " service '' agents after these two women. You are going to continue to lose business with this ongoing rotten customer service. The last time you even compensated me for your mistake. What will you do this time after the hours I spent in frustration trying to simply replace a credit card?
Company Response:
State: IL
Zip: 611XX
Submitted Via: Web
Date Sent: 2020-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A