Date Received: 2020-06-20
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Several years ago I was a Discover Card Holder within a few weeks Discover closed the account because my credit score was lowered due to Fraudulent activity. I paid the account in full never late. Fast Forward to XXXX Discover pre approves me but when they finalize everything they advise me because of that old account we can not grant credit. Its not right or fair. Account was never late and paid in full.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2020-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-20
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 my payment history from your company. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that due to the pandemic we COVID-19 the world is facing now my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Company Response:
State: MA
Zip: 02780
Submitted Via: Web
Date Sent: 2020-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-20
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: I had purchased a vacation on XX/XX/XXXX through XXXX using my XXXX credit card. The vacation was cancelled by Bookit.com on XX/XX/XXXX ; The trip was for XX/XX/XXXX - XX/XX/XXXX to go to XXXX, I used my Discover card to pay for my portion of the vacation with my partner. My discover was charged {$2000.00}. ( To note : my partner paid for his vacation & on a XXXX card, that received no refund due to XXXX being closed, and was disputed and resolved in his favor within 90 days, NO PROBLEM ) On XX/XX/XXXX, XXXX 's website stated that they were not in functional operation and UNABLE to process refunds. Shortly after, I submitted a dispute as SERVICES NOT RENDERED/RECEIVED on XX/XX/2020. Discover sided with XXXX.com on the original dispute stating that I had not submitted documents, although I spoke to a representative from their company that there was no need to submit additional documents. Discover has now received all documents supporting that XXXX cancelled the trip, was unable to process refunds, and I sent them the email that XXXX sent showing that I was due a refund. At this point, I have had the dispute escalated for supervisor review at least three times. I have waited over five days straight despite numerous calls for a supervisor to call me back, never received a call back from one. Additionally, in this process I was hung up on over or purposefully disconnected at least five times. On my last call, I went over line by line my terms of service with representative and she had no other explanation why I was not receiving my money other than that BookIt.com is a mutual client of them as well and essentially positioned that they were more in the business to protect that client over me and my cardholder terms of service. The company is being sued for this by the attorney general of Massachusetts. I have also submitted a police report in the county/township in which BookIt.com operates their business. I have requested all calls that I had with Discover to be sent to me, which is within my right and they still have yet to do so. Additionally, they said that the refund document was not clear in which where the refund was to go even though BookIt.com clearly states on their website that they are NOT able to issue refunds. After many tireless attempts, Discover is still essentially okay with defrauding their customers and not following their own terms and services as I signed.
Company Response:
State: NJ
Zip: 07747
Submitted Via: Web
Date Sent: 2020-06-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been notified that an account in my name ( XXXX XXXX ) was open on XX/XX/13. That account has since been charged off with a balance of {$1600.00} via a 1099c. I have requested validation and verification frequently that was always responded to with nothing or statements that included little to no additional information. This debt is almost 7 years old and has caused me now to have my taxes garnished and ammended to include this subsequent " income '' after disputing its validity to no avail and paying the necessary taxes, This account still appears in multiple places on my credit profile as a debt that is owed and being collected on.
Company Response:
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Discover is reporting a debt that does not belong to me. I have attempted to dispute with XXXX, XXXX, and XXXX and Discover has refused to send me the validation necessary to leave it on the credit reports. DISCOVERBANK XXXX
Company Response:
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Discover Financial is fabricating documents to support their position that I opened an account with them vs. the account being opened because of identity theft. Last summer, I asked them to provide me a copy of the application ; they denied stating that it was on a proprietary system. Earlier this year, I retained legal counsel to address and resolve this matter and my attorney requested several items, including a copy of the application. While Discover was stalling my attorney ( and continues to do so ), they mailed me a copy of the application on XX/XX/XXXX ( attached below ). On the surface, the text within the text boxes is hard to read ; when enhanced, you can see that they have altered the email field - it looks as if Discover Card attempted to superimpose the email address " XXXX '' over the email address that was originally in the email field. If you recall, Discover, as part of their " chain of proof '', claimed that my email address " XXXX '' was used to apply for this account. This deliberate attempt to falsify the application shows that they know this account was opened fraudulently and places their entire claim in doubt. This is not the first time they've been made aware of this ; my attorney has provided them with the same images I've provided you. This is clear evidence of Discover Card 's fraudulent attempts to defame me. I'm submitting this complaint as the first step to putting their actions on an official public record.
Company Response:
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2017, I wrote to CFPB. You all helped me prove to Discover that I wasn't liable for the fraudulent use of a credit card that was illegally obtained in my name. Discover removed the fraudulent use of the card from my credit report, and stopped the judgement. However, the funds from the judgement ( I never received a court summons, because the address used was an address I didn't live at ) where never returned. There was a lien on my bank account and a garnishment from XXXX ( a temp job ). I would like those funds returned. Thanks,
Company Response:
State: AR
Zip: 72032
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, I entered into a program through Discover to help pay my credit card. The agreement was that the card would be inactive for 12 months and I would pay {$100.00} until the end of the year agreement. On XX/XX/XXXX, I reached out to a Financial counselor through a XXXX XXXX center in XXXX XXXX XXXX in an effort to work on my credit. We pulled my credit and started looking at issues to fix. We agreed that I would keep paying one of my credit cards and work with XXXX XXXX to pay down my other two credit cards that I was having a hard time paying. I reached out to XXXX XXXX and set up an agreement. I received word that one of my cards had accepted the agreement but Discover rejected it. I was then called by XXXX XXXX and they stated that they would try again with Discover. I received another call from XXXX XXXX saying that because I was already enrolled in a program through Discover they were unable to add it to my XXXX XXXX account unless I closed it. I felt that I could afford the {$100.00} a month agreement with Discover so, I decided to stay with them and complete the Discover program and re asses when I completed it. On XX/XX/XXXX, I met with my financial counselor via phone to discuss my progress over the last 5 months. He pulled my credit to see the difference from XXXX. Good news, my score had gone up 50 points. Bad news, Discover closed my account with a balance. I was unaware of this, I wasn't notified and I have been in good standing with the program since I started it so I was confused as to why it was closed. My Financial Counselor found that odd as well and suggested I contact Discover. I reached out to Discover and after a lengthy online chat they stated that XXXX XXXX should've told me that my account was closed ( I have the copy of this chat ). That sounded weird so, I contacted XXXX XXXX via chat ( I have a copy of this as well ) and they stated that some credit card companies automatically close the account when they are contacted by an organization like XXXX XXXX and that Discover was one of those companies. I asked why I wasn't informed and they stated that I should've been told. I circled back to my Financial Counselor and he suggested that I reach out to Discover to see if they would reopen my account. Which is what I did. They said, '' I do apologize that you are going through this difficult time, however once the account is closed, it can not be reopened '' To which I responded, " Is that a hard line? No exceptions? '' And, Discover said, '' Yes, we are unable to reopen your account. You are able to reapply for a new card! '' My complaint is, how is it possible that I was not informed that mt account was closed AND how is it protocol that they automatically close an account when contacted by an organization like XXXX XXXX? Especially since I never added that card to my XXXX XXXX account. Additionally, If I am still paying discover, how are they able to " close my account with balance " but not report to the credit companies that I a paying on this card?
Company Response:
State: NY
Zip: 10032
Submitted Via: Web
Date Sent: 2020-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: When I first decided to try to get pre-qualified for a loan I looked online at loan companies. ONE time I gave my email address and all of a sudden I had several companies emailing me about a loan. I immediately unsubscribed from every one of them and where I could I typed a message that was very clear that I was no longer in the market and that I had unsubscribed and not to call me or email me again. But now I've had six ( 6 ) companies that keep hitting my credit report and I've never spoken to any of them. They are : ( XXXX ) XXXX ) - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX ; ( XXXX ) XXXX ) - Discover Financial Service, XXXX XXXX XXXX, XXXX XXXX, DE, XXXX ; ( XXXX ) XXXX ) - ( tel : XXXX ) - XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, IN XXXX ; ( XXXX ) XXXX ) - XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, IA XXXX ; - XXXX XXXX./XXXX XXXX XXXX XXXX XXXX XXXX., XXXX, WI XXXX ; and - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX.
Company Response:
State: IL
Zip: 619XX
Submitted Via: Web
Date Sent: 2020-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-18
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I've contacted DIscover various times to payoff balance. I was offered to payoff balace for a discount which I am willing to do. I am calling doscover and they just send me to another " special division '' ad then the line just hangs up. I want to resolve issue and pay off any balance if there is actually a balance to pay off due to Statute off limitations and the fact that Discover also againtst FDCPA contacted an unrelated third party regarding an alleged debt. They left a voicemail and it is in my posession. Thank you and Discover should erase any negative remarks from my credit report. XXXX XXXX XXXX
Company Response:
State: PR
Zip: 00716
Submitted Via: Web
Date Sent: 2020-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A