Date Received: 2020-07-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: discover financial repoted to the major credit bureas that i am reponsible for A credit card debt that was open in my name. during the time the card was open i was in the hospital XXXX XXXX and my home was robbed. I filed A poice report and the debt was deleted. then A year later they placed back on my file. the company removed it from my file twice, then put it back on. i am A victim of identity theft. my whole credit history has been ruined because of this.
Company Response:
State: SC
Zip: 29210
Submitted Via: Web
Date Sent: 2020-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-07
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I signed up for a Discover card specifically for their balance transfer promotion ( it was in fact part of the application and the credit amount extended was the same amount as the balance transfer amount ). My application was approved and the account was opened on XX/XX/XXXX. However, Discover failed to process this promotion due to an identity verification that took over three months to complete. I did my part at every step and called Discover every couple of weeks to find out why they hadn't done their part. Each time I was assured that it would be processed as soon as possible so I could complete my balance transfer. They finally processed the card yesterday ( XX/XX/XXXX ), but are no unwilling to honor the promotion for which they specifically signed me up for. Now, due to how this card was marketed, I am stuck with a Discover card that doesn't do what it was promised to do in exchange for me opening a new account. I am also now unable to cancel the card without the penalty it would cause with my credit score. I called Discover and spoke with two supervisors who tried to override the block because they agreed this wasn't right. Unfortunately, their " system wouldn't allow '' them to honor this promotion because it had expired. This amounts to fraud on Dicover 's part. I registered for their credit card based on a promise they made and it was unfulfilled. Attached are emails showing the date the card was approved, my second request to do the balance transfer ( first was with the application itself ), and the third email shows the date they finally activated the card ( three months after opening the account! ).
Company Response:
State: CA
Zip: 92009
Submitted Via: Web
Date Sent: 2020-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-07
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, my daughter called me and told me that my ex-husband had left and was not picking up his phone. I went and picked her up and we tried to find him. At that point, we received a 'XXXX ' note from him. In the note, he claimed that he had taken a loan out in my son 's name. We immediately filed both a missing person 's report with XXXX XXXX PD and a police report for identity theft against my ex-husband with XXXX XXXX, AZ PD. My son and I promptly checked our credit reports. My son found a loan for XXXX dollars from XXXX XXXX, and I found several credit cards under my name that were maxed out that I never knew about, and he neglected to mention when we divorced. I cancelled as many of the cards as I could ( because I was only an Authorized User ), but two of the companies ( Discover and XXXX XXXX ) have refused to even contact the police officer assigned to the case. XXXX XXXX, on the other hand, has cleared the loan from my son 's name, and they stayed in communication with the officer on the case. Discover was communicative with us up until recently. Last month, they asked us to mail and fax them a copy of the police report from the police station we filed it at. We mailed AND faxed them a copy. We called a few days later to confirm, but nobody could tell us anything. We checked in again, and now they are telling us that they never received it and they require us to go to the police, have the officer call them, and submit the report even though just a month ago they said otherwise. Moreover, Discover refuses to give us a copy of the transaction history. I have no way to access the transaction history of the card because I don't know any of the login information. I can not dispute the payments made on the card because they won't give me a copy. Discover has led us back and forth on this fraud claim even when we have tried to be diligent in our response. The court wants Discover to contact them but Discover has not done anything on the case. Please note that the account name XXXX be under a different name. My name before my marriage was XXXX XXXX. I am resubmitting this complaint because XXXX has not contacted me after I have attempted to call them on multiple
Company Response:
State: AZ
Zip: 86442
Submitted Via: Web
Date Sent: 2020-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2020 I am not sure how this happened, I believe that I had set up automatic payments and did not opt-out to received my statements however for the past few months I haven't been receiving my statements so I am assuming that everything is fine since I have set up automatic payments for my account. My only thought is that due to this pandemic COVID-19 the world is experiencing right now I got caught up and wasn't able to double-check.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The following accounts are due to identity theft and need to removed and blocked immediately. I have attached a copy of FTC Report and Police Report to this correspondence. The following fraudulent accounts need to be removed and blocked immediately under FCRA or legal actions will be taken against XXXX. These accounts were opened by someone who stole my identity and use my information without my permission. I am requesting for XXXX to block and remove these fraudulent accounts immediately within four day of receiving my FTC report. 1. XXXX XXXX Account # XXXX Balance : {$3600.00} 2. XXXX XXXX Account # XXXX Balance : {$3700.00} 3. XXXX XXXX XXXX Account # XXXX Balance : {$550.00} 4. XXXX Account # XXXX Balance : {$3000.00} 5.DISCOVER FINANCIAL SERVICES Account # XXXX Balance : {$8600.00} 6.DISCOVER FINANCIAL SERVICES Account # XXXX Balance : {$5500.00} 7.XXXX XXXX XXXX Account # XXXX Balance : {$28000.00} XXXX Account # XXXX Balance : {$3500.00}. Under FCRA, XXXX has four days to remove and block these accounts. If not, I will reporting your company to XXXX XXXX, Consumer Financial Protection Bureau as well as my Attorney General Office due to your negligence.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2020-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-06
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Several attempts were made by Discover Card to reach my roommate by telephone -- which I feel is beyond unethical and unacceptable. I am trying to catch-up on bills and feel that they should not reach out to random people -- like your roommate. The Executive Office acknowledged on XX/XX/2020 that the company did indeed make these calls. Can you please make sure other parties aren't enduring the same unethical behavior and make contact with the company? Thank you for your time and all you do!
Company Response:
State: VA
Zip: 22314
Submitted Via: Web
Date Sent: 2020-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I filed a dispute in the early part of the month of XX/XX/XXXX for many fraudulent charges that took place for more than a year. The disputes amounted to over {$6000.00} in unauthorized purchases. The charges dated at least back to XXXX of XXXX maybe further, and continued until XXXX of XXXX. When I started the claim I spoke to a representative about the unauthorized charges that I noticed after some time had passed. I had my card paid automatically and never really looked at my electronic statements. I informed them that my wife had a similar discover card with them and that we had done low interest balance transfers from high interest cards to a discover card. I was not sure and I confused that I was the one who put the balance transfers on the card. Under that pretense and the fact that I didnt really look at my statements, I did not think anything of the higher payments. When they asked why I took so long to report the charges I explained these things to them. And when they asked how I finally noticed I told them that XXXX XXXX had informed me of similar charges suspected of possible fraud just on a smaller scale. I filed a claim with XXXX XXXX for the fraudulent charges as well and my charges were refunded. I told them upon checking my cards I saw these charges and noticed they were the same charges similar to the ones XXXX XXXX informed me of. It was at that point that I realized that the balance transfers were mostly on my wifes discover card. They went over the charges with me and filed the claim. I was called by someone shortly after asking about the claim and asked the same questions about why I took so long to file the claim and why did I finally notice. I told them the same thing that I told the previous representative. I also mentioned that we had our direct neighbors move out in XXXX and at some point a few years prior my wallet was missing and they returned it to me. So I felt they could have obtained the numbers of my cards. In addition shortly after they moved out we were informed by our isp that they had been using our WiFi for years and that they somehow had the password. I was told that my account would be credited for the charges in question while they researched the claim. They totaled {$6800.00}. I was called a week later and asked the same questions again and again I answered the same way I had previously. I was called a month later or so and told that my claim had been denied mainly based on the fact that I waited too long to file the claim. I asked about appealing the decision and they gave me the run around and discouraged me from doing so and advised me to pay more attention to my statements. Attachments include Discover Statement that shows all disputed charges and total amount which was temporarily credited. Second upload is a screen shot of an email from XXXX XXXX assuring me that I am not liable for these charges as I did not make them.
Company Response:
State: CT
Zip: 06360
Submitted Via: Web
Date Sent: 2020-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am writing to file a formal complaint about Discover 's payment process. I am attaching a screen print of their system for your records. As you can see, my payment is due on XXXX. The payment was already made for the month several days ago. I prefer to schedule my payments about 30-45 days ahead of time and prior to the due date. The account has always been paid on time. Discover 's system will not allow users to schedule payments following the due date on the account regardless if the minimum payment due has already been made for the month. We have numerous credit cards and none of the other lenders handle payment processing this way. Customers should be able to schedule their payments whenever they want. Discover should not block the customer 's online ability to make payments ahead of time regardless of whether the minimum payment due has already been made, although it is obviously more ridiculous to not allow a customer to schedule a payment in the future for the following billing cycle if the account isn't even past due. Manipulating their payment system to block customers from scheduling payments has all types of implications, including extra daily interest if the customer can't schedule on the day he or she wants.
Company Response:
State: KS
Zip: 66062
Submitted Via: Web
Date Sent: 2020-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-04
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/2020 I attempted to log in to my online account with Discover Card only to find out that my access has been restricted due to a routine identity verification check. I was told I would receive an email with instructions from an individual at Discover with instructions to submit to the IRS in order to verify my identity. I was also advised that my charging ability would be restricted or suspended until the IRS responds, which i was told could take several days to weeks due to the pandemic. These adverse actions were taken by Discover despite not sending a notification in advance to make me aware. As far as I'm concerned this action is a violation of my consumer rights.
Company Response:
State: AZ
Zip: 85085
Submitted Via: Web
Date Sent: 2020-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-04
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Had contacted agency XXXX Numerous times verbally told by customer service agents electronically that i had a 0 % interest rate for 12 months now am being told is XXXX out of the blue and they are going to do nothing about it
Company Response:
State: CO
Zip: 80229
Submitted Via: Web
Date Sent: 2020-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A