Date Received: 2023-10-16
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Letter to Discover Card Customer Service : Discover Financial Services XXXX XXXX XXXX XXXX XXXX Il XXXX Subject : Account Reinstatement Inquiry for Discover Card Dear Discover Card Customer Service, I am writing to express my deep concern and frustration regarding the suspension of my Discover Card account. All my accounts were current and in good standing, and I have not received any valid explanation for this suspension. I want to emphasize that withholding my access to my securities constitutes security fraud. As a consumer, I have the right to credit, and this action is a violation of the Consumer Credit Act and the Equal Credit Opportunity Act. Regardless of the reason for revoking my credit line, this decision has had a significantly negative impact on my credit score. I kindly request an immediate investigation into this matter and urge you to retract this decision promptly. I expect a thorough explanation for this action, and I anticipate a resolution to this issue without further delay. Sincerely, Consumer Credit Act : The Consumer Credit Protection Act ( CCPA ) is a federal law that encompasses several statutes, including the Truth in Lending Act ( TILA ), the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Debt Collection Practices Act ( FDCPA ). These laws protect consumers in various ways, such as ensuring accurate credit reporting, promoting fair lending practices, and regulating debt collection activities. Equal Credit Opportunity Act : The Equal Credit Opportunity Act ( ECOA ) is a part of the Consumer Credit Protection Act. It prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ), or because the applicant receives income from any public assistance program. I went through a lengthy process of verifying my income providing bank statements etc. which was ultimately denied because I wrote the starting balance incorrectly, instead of clarifying this information my account was closed without notice and refusal to reopen. I have called in an attempt to resolve this matter and was denied by a XXXX or XXXX who submitted a complaint on my behalf as Manager was not taking phones calls. Violations of these laws can result in civil penalties and fines imposed by regulatory agencies, and individuals who believe their rights under these laws have been violated can file complaints or lawsuits seeking damages. It's important to consult legal counsel or the appropriate regulatory authority for specific and up-to-date information regarding these laws. Warm regards, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Ca XXXX cc : XXXX XXXX, XXXX.
Company Response:
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This is a multiple occurrence. I was trying to make my on time payment in the time allocated. The automatic system kept saying I had to pay a current amount due of XXXX. That is my Balance. When I kept try to a payment Over the required minimum payment stated on my bill of XXXX, I was transferred to a representative of which there was No One because they were closed. This went on for 6 phone calls. I was finally able to pay the XXXX When I called Monday XX/XX/XXXX I spoke to XXXX. First I had to answer questions for the auto service, then when I got to XXXX she verified my name, last 4 of SSN, and Account #. She then wants to verify 8 other things. I never verified if the auto service charged me a late fee after my being on the phone over a half hour. XXXX thought it was funny asking me to verify my address, phone #, email and other things that have Nothing to do with verifying who I am. The discover employees seem to enjoy harassing their customers. Thank you
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Discover has confirmed the receipt of my payment of {$15000.00} from my complaint XXXX and has refused payment which is a against the law. I'm requesting this complaint stay open until my tender of payment is returned. I'm requesting Discover to return the tender of payment or credit my account for the {$15000.00}. Payment received is payment credited or discharged, Discover received and acknowledged receipt meaning according to UCC 3-603 If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge. Discover received my tender and refused according to my compliant number # XXXX, the were obligated to endorse the tender. CFPB : DO NOT CLOSE THIS COMPLAINT UNTIL MY TENDER OF PAYMENT IS RETURNED OR MY ACCOUNT IS REFLECTING THE {$15000.00} PAYMENT FROM DISCOVER. RECEIVING AN ANSWER/RESPONSE FROM DISCOVER DOES NOT CONSTITUTE A SETTLEMENT AND CLOSE COMPLAINT. I'm also requesting the cusip number to this account XXXX / if this isn't settled, with in 14 days I will GO FURTHER and REPORT this to the following : 1.SOCIAL SECURITY ADMINISTRATION XXXX XXXX XXXX , INSPECTOR GENERAL 2. COMMISSIONER INTERNAL REVENUE SERVICE THE HONORABLE XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. TECHNICAL SUPPORT DIVISION TREASURY XXXX. XXXX XXXX INTERNAL REVENUE SERVICE XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. INTERNAL REVENUE SERVICE XXXX SUBMISSION PROCESSING CENTER XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX. TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. BE INFORMED : Any actor, agent, or fiduciary who delays, restricts, or otherwise prohibits the movement of this Negotiable Debt Instrument in its lawful progression* destined to or for the Holder in Due Course, Secured Party , or Claimant must show cause why a contempt charge** should not be issued against him/her in his/her/their true character or suffer the consequences of said action or lack of action. The breach of fiduciary duties also incurs civil liability subject to the posted Fee Schedule for Principal. It is noted that said actors, agents, and fiduciaries are subject to the self-executing regulations of the 3rd and 4th sections of the 14th Amendment to the Bill of Rights to the Constitution for the united states of America whereby their offices are vacated, and their salaries and retirement benefits are extinguished when they do not perform the duties of said offices. * established in 1933 under HJR-192 and exercised by actors, agents, and fiduciaries of every commercial transaction by commercial banking institutions since that date of the Abrogation of the Gold Clause ** damages equal to double the amount of the Negotiable Debt Instrument ( under civil action ) or triple the amount of the Negotiable Debt Instrument ( under Admiralty Jurisdiction ). https : XXXX? q=reserve+ NOTE- ( If this is Not Certified and Processed within 14 days after Delivery Acceptance then it is to be classified as a Fraudulent Act by U.S. Treasury/Banking System and the required XXXX XXXX XXXX XXXX XXXX to make the required US Corporate Governmental monetary CHARGE of Harm : for the corporate delay in this Disbursement and Restitution, of an additional fee to be delivered to this Individual Banker within 30 days, as she is the ordering American Public Trustee. ) XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 77044
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: about 10 monthes ago i had discovered that i am a victim of identity theft. i find out that someone unknown to me had find my personal information and used it by changing my address and phone number and got a credit card from DISCOVER BANK, immediately reported thi s account to local authorities by filing a police report and also filed an FTC report through identitytheft.gov. discover bank removed the card from my credit report which made me very happy but XXXX weeks later they put back that account back in to my credit report with XXXX different situation the balance increased from XXXX to almost XXXX which made me loose XXXX points. i tried contacting discover bank fraud department but could not getr anyone to help me which brought me here to complain.
Company Response:
State: CA
Zip: 95112
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I paid off my full credit card balance of {$6800.00} on XX/XX/2023. After the payment was cleared, I then called Discover to close my credit card on XX/XX/2023. The Discover agent closed my credit card and let me know there were no charges left on my credit card. Without any sort of communication, Discover charged an interest charge of {$25.00} on XX/XX/2023, XXXX business days after my credit card was closed. Discover never sent me any sort of communication or email stating the new balance was due. Two months went by and Discover then charges me a late payment and then reported the unauthorized late payment to my credit bureaus. My credit score has now decreased from XXXX to low XXXX 's because of Discover 's failures. I have reached out to Discover multiple times and Discover agents are unwilling to reverse their credit reporting error. My last attempt on communication was to Discover on XX/XX/2023, XXXX business days ago and Discover has not responded as they said they would. Please help to look into Discover 's fraudulent behaviors and help to reverse their credit reporting error.
Company Response:
State: IL
Zip: 615XX
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I've had a Discover credit card since 2020, so well over 3 years. I've never missed any payments, and my credit score is very fair ( actually it is over XXXX ). I applied for a new credit card with them on XXXX XXXX. I even called to verify my identity, because I have a credit freeze on my account, and everything was fine. My card was subsequently sent out a day later. However, I received an email on XXXX XXXX, asking for information regarding my income taxes. The email also stated that " my account would be on hold " until I signed the document for them to essentially audit my tax returns, or closed if I refused to sign it. No one ever called me ( I did receive two AUTOMATED phone calls, but no live person was available to speak with ), regarding this completely inappropriate and invasive request. Discover HAS never, neither has any of my other banks, asked me to do such a thing with the threat of an account closure. I am puzzled as to why my account is on hold, and why my income is relevant to my account. It is in good standing, and current. I am going to file a complaint with the attorney general and reach out to the news channel if nothing is done to correct this border line criminality.
Company Response:
State: NY
Zip: 11435
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Laptop, cell phone, and wallet were stolen from a local college library. As a result, there are '4 ' fraudulent charges on the credit cards in my walletat the time of this breach ( accounts and charges are outlined in this affi davit ). Additionally, credit card accounts have been hacked and the address changed to XXXX I have no association with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lastly, I reviewed my XXXX credit report and found thefraudulent address listed in addition to '3 ' unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a result of the unauthorized activity, I locked and placed a fraud alert with each credit bureau on XXXX This particular charge ( {$1100.00} ) is related to a XXXX XXXX scam by an unregulated broker ( XXXX ) located in the XXXX XXXX. The account that the fraudulent charge is related to is under a different name and demographic information. Attached to this complaint is an FTC Identity Theft Affidavit, Police Report, and the XXXX invoice showing the account is under a different name.
Company Response:
State: CT
Zip: 06516
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: DISCOVER BANK DATE OPENED BALANCE {$2500.00} XX/XX/XXXX DISPUTED WITH CREDIT BUREAUS, DISCOVER BANK DATE OPENED XX/XX/XXXX bALANCE {$4400.00}, MISSIONLNTAB DATE OPENED XX/XX/XXXX CREDIT LIMIT {$400.00}
Company Response:
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/XXXX -Received an email from Discover with subject line " One of your recurring charges seems different ''. Upon reading the email I saw that the charge was for " DISCOVERPAYMENTPROTECTION '' which I don't recall ever signing up for. -I first attempted to discuss this issue with a representative via the chat, but after the initial representative stated that they were sending my case to another representative who could better assist I never received another response. -I then called to attempt speaking with someone. The first representative I spoke with verbalized over the phone that she sees where I agreed to enroll in the payment protection plan in XX/XX/XXXX. I asked for documentation/confirmation of this enrollment to be sent to me because I don't recall having that agreeing to this program over a decade ago. I also asked that the payment protection plan be cancelled immediately. She says that she cancelled the plan and then shared that she was transferring me to the " supervisor '' who could help me get the documentation/confirmation of enrollment that I was asking for. After being placed on hold multiple times, the final representative I spoke with shared that she couldn't see anything in her system more than 7 years ago so she couldn't provide this documentation. Though the representatives have both stated that they can see where I supposedly agreed to this enrollment 13 years ago. She then states that another " supervisor '' would call me back in 24-48 hours to assist as they can look back further in the system. Though I didn't believe at all that someone would call me back I said okay and we ended the call. -A few minutes later, I realized I didn't receive any confirmation that this payment protection plan was actually cancelled besides the representative saying she did so on the phone. I call back to request an email confirmation or some sort of proof that the payment protection plan enrollment was canceled. The representative stated that I should've received an email confirmation shortly after it was cancelled and that she can see in the system where the confirmation email was sent. I shared that I hadn't received any email in my inbox nor my junk/spam box. She repeatedly asked if my email was correct in my account and I said yes, stating that I had just made a payment and received the confirmation email for the payment as I normally do. She placed on hold multiple times stating that she was trying to figure out how to resend the confirmation email. She ultimately could not figure out how to simply resend a confirmation email and stated it would take up to 72 hours before I would receive it as she will need some assistance. As ridiculous as that sounded, I was more convinced that this company was trying to play games with me so I became very upset and asked to cancel my account with them. After trying to make me reconsider, she finally transferred me to someone who could cancel the account. The next representative closed my account, but not before trying to convince me to remain an account holder despite all of the complete XXXX they are currently putting me through. XXXXThey denied me the refund because I supposedly voluntarily enrolled in this payment protection plan, of which they can't provide any documention/confirmation of my signed agreement to be billed every month for this plan. Though somehow they can " see '' in their system where I agreed to enrollment. The cherry on top is them lying about sending an email confirmation regarding my cancellation of said payment protection plan. Discover should truly be ashamed of themselves. I want those charges refunded.
Company Response:
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
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/ I purchased a home scenting system as well as two bottles of scenting liquid from a company called XXXX XXXX for the amount of {$480.00}. I received the items on XX/XX/ XXXX I opened the items out the box and tried to use the scent diffuser and noticed it was malfunctioning. It would spew liquid everywhere and would not stay turned on. I also noticed that one of the bottles of liquid scent had opened and leaked out of the other bottle. I immediately contacted the company XXXX XXXX on XX/XX/ and requested a return shipping label. After several days they reviewed my request and reasons and issued me a return shipping label on XX/XX/XXXX XXXX and I mailed the item out that day. On XX/XX/ I sent XXXX XXXX and email as I had not received my refund. They informed me they had received the return on XX/XX/ and that I should receive my refund in 10-14 days. They also stated that if I had not received the refund by XX/XX/ that I was to contact them again. On XX/XX/ I sent them an email as I had not received my refund. They responded to me on XX/XX/ and they apologized and stated that they " had coordinated my concern with the appropriate team and they would follow up in 24-48 hours ''. I had still not received my refund on XX/XX/ so I sent them another email. They did not respond until XX/XX/ and they said that since I had submitted a dispute I had to wait 75 days for an answer. I filed a dispute with my credit card Discover Bank and they gave me a provisional credit on XX/XX/. They sent me an initial letter saying they would review and would update me accordingly. They never responded to me and reversed the charge bank in XX/XX/. They never sent me a reason or rational as to why my credit was reversed and not made permanent. I supplied them with all of the detailed information as well as copies of the email correspondence I had with XXXX XXXX Then Discover Bank sent me a letter telling me they " would continue to investigate my dispute ''. This is unacceptable and they have failed to due their due diligence. This is unfair, deceptive and abusive. I purchased a defective product and returned the product as requested. I went over and above to supply Discover Bank with enough information to make a decision. They have failed to openly communicate with me or tell me why they reversed my provisional credit.
Company Response:
State: OR
Zip: 97306
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A