Date Received: 2019-11-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have contacted Discover Card several times, sending emails calling and even faxing the unauthorized charges herein below that were NOT AUTHORIZED, but now Discover Card again posted all the charges back to my account for transactions listed below. Discover resolution support credits and then post the charges again to my account over and over, making it almost impossible to understand why they are still reversing the charges. The Discover resolution support person I spoke with several times not all but one of them very much treated me like a child and even made defamatory comments towards me instead of taking care of the issue when I first contacted them in the year 2018. XX/XX/2018 - XXXX XXXX MTG PAYM XXXX XXXX NV - {$1400.00} XX/XX/2018 - XXXX XXXX XXXX XXXX NV - {$5300.00} XX/XX/2018 - XXXX XXXX MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - XXXX XXXX MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - XXXX XXXX MTG PAYM XXXX XXXX NV - {$2500.00} XX/XX/2018 - XXXX XXXX MTG PAYM XXXX XXXX NV - {$2500.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$1400.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$5300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2500.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2500.00} All charges herein above are UNAUTORIZED CHARGES, XXXX is aware that the charges were not authorized, and they keep posting it back to my account. I am NOT RESPOSIBLE FOR All the charges ; they know very well after numerous explanations about the company XXXX XXXX. I have no contract with XXXX XXXX and all the charges listed above were once again NOT AUTHORIZED. This is destroying my credit and now I have to file this complaint against XXXX XXXX. All charges above should be credited to my account as soon as possible. I am not going to make any future payments to XXXX. I am already in litigation with XXXX XXXX and will soon be in litigation with XXXX card. I would like to request that all NOT AUTHORIZED CHARGES above to be credited to my account as soon as possible as I am not going to make any future payments to Discover since they are very much aware of the UNAUTHORIZED CHARGES issue with the merchant XXXX XXXX. Unless XXXX can prove without a reasonable doubt and solid that I do have an account with XXXX XXXX and that I did authorize the transaction.
Company Response:
State: NY
Zip: 113XX
Submitted Via: Web
Date Sent: 2019-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX inquiry with the credit bureaus regarding my credit report without my written consent. I never authorized XXXX XXXX to request credit report without have permissible purpose. I only have two credit cards with XXXX XXXX nevertheless there are over 7 hard injury on my credit report without my written consent. My credit score with XXXX has dropped by 58 points and can't be fixed. I have never given written consent to XXXX XXXX and XXXX XXXX has never asked for written consent. According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. I have disputed inquiry through the credit bureaus regarding my written consent concerning all inquiry on my credit reports with XXXX, XXXX, and XXXX under the FCRA but hasn't received a timely response regarding my written consent. Each CRA hasn't responded yet regarding my written consent. XXXX XXXX have abuse inquiry without my written consent all with the attached document regarding inquires on my credit report.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2019-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to you in order to gain some knowledge and understanding about the process of charge-offs and its relation to the IRS. A credit card company did a charge-off of an old debt that was 15-20 years old, unbeknownst to me. I never received any notification that this debt had been charged off until the IRS sent me a letter telling me that I now owe them money due to the charge off that occurred back in XX/XX/XXXX. The delinquent debt occurred during the time I became unemployed back in XXXX and took 1+ years to find another job. During that time I made every attempt to set up payment plans with my creditors, but they all told me no. I was receiving unemployment benefits and used my retirement fund and savings in order to take care of myself and my young daughter. I had to pay my mortgage, so the credit card companies were not able to be paid enough. I informed them all of my unemployment, but it made no difference. They continued to add fees and charges onto my accounts. These events occurred back in XXXX, but the charge off of $ 10k+ occurred in XX/XX/XXXX. The credit card company never notified me nor did they ever tried to alert me to a charge off of debt. I am not blaming the IRS, and I have already contacted them to let them know that I was not aware of the charge off, and that I would do everything in my power to accommodate them. The IRS advised me to do some further investigating prior to submitting anything to them. I would like to understand how or why a charge off of an old outdated debt could happen 10-15 years later. Please provide me with additional information about this and also please let me know if I'm responsible for the payment of this tax fee to the IRS for this charge off. Any assistance or advice from you would be greatly appreciated. Thank you so much for your time. I look forward to hearing from you soon. Also, I will let the IRS know that I have been in touch with you regarding this situation. Thank you again. Please enjoy your day.
Company Response:
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2019-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Discover Card failed to properly credit a payment. On XX/XX/XXXX, I made a payment for {$9000.00}. Discover applied that {$9000.00} payment to a lower rate balance transfer balance ( a {$15000.00} balance transfer was applied to the account on XX/XX/XXXX ) and failed to apply any of that {$9000.00} payment to the higher rate purchase balance. As a result, I incurred significant interest charges, which were not warranted. In XX/XX/XXXX, Discover acknowledged the error promised to rectify it by transferring the payment and applying it correctly. The bank failed to do this. Subsequently, another bank representative stated that the bank was unable to move the balances. Instead, the representative promised to waive the higher interest charges through the end of the balance transfer promotion. The bank did so for 4 months, and, afterwards, in XX/XX/XXXX, stopped doing so. Now, bank representatives wrongly claim that there was no error in applying the payment. Furthermore, the bank claims that it only promised to waive the additional interest for a period of four months, which is not the case.
Company Response:
State: CA
Zip: 91356
Submitted Via: Web
Date Sent: 2019-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My name is XXXX XXXX and I have a credit card with Discover. I was late multiple times in the past for about 5 months and would call Discover to notify them. Discover has promised to waive my late fees of {$39.00} and to my surprise my account has accrued multiple late fees ( seems like 5-6 ), there isn't even record that I or my fiancee XXXX XXXX XXXX called them regarding my fees. I called Discover today when I discovered the fees on my account and they only removed one fee ( most recent ). In the past, their collections department would call me from an XXXX area code and the terms were If I had made a significant payment or a payment to get the account to good standing, they would waive my late fees. Clearly, for the past 6 months I have been lied to and fees were not waived. Discover claims that no one spoke with me. Yet just today, their associate promised to waive a fee and a manager took the call by the name of XXXX and he said that he couldn't waive it. I told him the previous associate said she would and he said that he had no record of that. Then he said that yes, he did see it on notes. I feel I have been lied to by Discovwer just to collect money from me. I want my late fees returned as they agreed.
Company Response:
State: FL
Zip: 33174
Submitted Via: Web
Date Sent: 2019-11-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX, I lost my job after working for the smae non for profit as a XXXX XXXX XXXX/XXXX. XXXX for almost 20 years. Shortly after losing my job, and trying to seek a new one, I began the process of notifying in writing and by telepohne, my Creditors ( Discover, XXXX XXXX, XXXX, XXXX, XXXX XXXX ) that I had lost my job and was seeking to re organize my debt to pay it a different way. In XXXX, XXXX I had engaged XXXX XXXX XXXX to assist me in seeking debty negotiation, to settle all acccounts. XXXX XXXX Neglected to contact my creditors and instead, they claimed to " negotiate '' settlemtns after my credit cards had gone into default and were sent to collections companies which also ruined my credit, something I wanted to avert. Presenlty, Discover Card account ending in XXXX was sold to XXXX XXXX ( Arizona ) a debt collection company that uses threats and intimidation tactics, they have failed to negotiate a resonable settlement, and their numbers are wrong! XXXX XXXX, and XXXX ( Discover Card sold my alleged debt to XXXX ) will not speak with me although I have written to them ( I have proof ), and telephoned them numerous times in an attmept to settle my obligation to them, but they are playing hard ball. I did settle on my own, two accounts with XXXX XXXX, XXXX ( the gave me very reasonable terms, and were nice about settling with me. ), XXXX XXXX, and XXXX credit card ending in XXXX.
Company Response:
State: NY
Zip: 10472
Submitted Via: Web
Date Sent: 2019-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-04
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: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DISCOVER PERSONAL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Discover Financial Services Credit card # : XXXX ( or the case # is XXXX ) Late night on XX/XX/XXXX XX/XX/XXXX my Discover credit card presented fraudulent transactions from XXXX XXXX and XXXX ( XXXX XXXX XXXX ) in XXXX XXXX, NV. There were 3 separate transactions. One for {$2800.00}, {$5300.00} and {$3700.00}. Recently Discover Card Services held me accountable for these transactions totaling over {$11000.00}. I have been with Discover since XXXX and I decided to close my account. The Story : On the night of XX/XX/XXXX XX/XX/XXXX my Discover Card, XXXX XXXX and XXXX XXXX XXXX were fraudulently used by XXXX XXXX and XXXX ( XXXX XXXX XXXX ) in XXXX XXXX, NV. I arrived with 2 friends and after the 1st drink, I dont remember anything until my friend finally found me in this establishment 4-5 hours later passed out with my money clip contents ( credit cards ) and cash spread on a table. Also, about {$300.00} was missing as well. The next day I was violently sick even though I barely had any alcohol that evening ( I have XXXX and alcohol can make me sick because of those XXXX. So, I don't drink much ). My wife and I work in the XXXX XXXX and we didnt realize it at the time. But, my drink was obviously XXXX and I was XXXX. In what we thought I had a viral bug, we easily figured out what happened after the transactions on my 3 credit cards presented with thousands of dollars. Therefore, for a significant period of time on that night my money clip was not in my possession. My friend attempted twice to find me in the establishment. Only for the bouncers to lie to him that I was not there. Finally, after many attempts. The bouncers told my friend I was in a dark back room passed out. My friend woke me up and he had to carry me out of the establishment because in his words he said I was " XXXX. '' He also saw my money clip contents ( Cash and credit cards ) spread out on a table in which he recovered for me. Again, When my friend was looking for me that evening, multiple times the bouncers stated I was not there even though I was. So, they were lying about my existence at the club. So, I dont know the exact amount of time my card/money clip was not in possession. But, these transactions took place while my money clip WAS NOT in my possession and I would surely NOT authorize such ridiculous amounts on 3 credit cards almost totaling $ XXXX! They were stolen and used for a period of time by the staff after they XXXX me. Moreover, my 2 other credit cards were charged fraudulently as well without my knowledge, further supporting criminal activity. If you look at my spending patterns since XXXX with Discover Card and other credit cards, it proves my spending patterns would back up this claim that these charges were fraudulent. I have to get a stem cell procedure next year for a medical condition that my insurance won't cover. I would NEVER compromise this procedure by spending thousands in 4-5 hours at one establishment. Ridiculous. Also, I wish I took a blood test when I got home for possible XXXX of the alcohol. Again, My wife and I are in the XXXX XXXX and we figured out very quickly after seeing the fraudulent transactions on 3 of my credit cards on XX/XX/XXXX when we got home. Providing evidence that possibly some type of extra-curricular substance was utilized to put me in that state. This is why they stated I was not there. They were blatantly robbing me! Per my research, this has happened hundreds of times ( maybe thousands ) by this establishment and at other places in XXXX XXXX. I recently heard from acquaintances and friends they were also victims of these types of events at this SAME location and others. I believe this situation is very obvious that I was a victim of a form of identity theft and maybe more. I would never authorize these transactions totaling in the thousands! I filed a police report and sent it to Discover and to my other 2 credit card companies with fraudulent transactions. The officer was WELL AWARE of these criminal activities when I filed the report. She and other officers have received many criminal claims from that establishment for the exact same thing. That is why she put stolen or lost on the incident report because this has happened before. Furthermore, the XXXX XXXX PD stated I needed to file a courtesy report regarding being drugged by the alcohol. I contacted 3 local police departments in my area and none of them would file the report because they have never heard of a courtesy report. I called Discover Consumer protection weekly to update them on the situation. I was completely transparent. I had my attorney was involved. However, just recently I was found accountable. The reason I was found accountable because the establishment sent my fingerprints, initials and a picture of myself making a transaction. Is this even legal? I don't remember any of it. Discover card stated that " I looked XXXX. '' This is utterly foolish. How can you tell by a picture and I don't even remember even being moved around. They could of easily did these things while I was XXXX. EASILY! I dont understand how Discover Card can side with a criminal organization over its customers while my XXXX XXXX and XXXX XXXX deleted those fraudulent transactions immediately after I filed an incident report. They knew I was a victim. To put this situation in perspective, Discover Card is stating I am an XXXX XXXX. Discover is saying I actually went into that club and knowingly spent almost {$30000.00} on 3 credit cards in 4-5 hours!!!!!!! Also, about {$300.00} in cash that was stolen. Again, XXXX XXXX took those transactions off immediately after the 1st police/incident report. So did XXXX XXXX and I consider them the worst in the industry backing up their customers. I cant even fathom how Discover Card held me responsible for this event. Furthermore, I found out if I decide to press charges it is going to cost me a lot more than {$11000.00} being that I am in Michigan. I kindly ask that you help me please get these transactions off my closed Discover Card account. Also, to protect my stellar credit which has been this status for years. I was very happy with my Discover Card and I think it is one of the best travel cards on the market. Lastly, I feel I was a very good loyal customer of theirs. Thank you for very much for your time.
Company Response:
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2019-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-04
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: THERE IS ACCOUNTS OPENED IN MY NAME THAT I HAVE NOT AUTHORIZED. I AM A VICTIM OF IDENTITY THEFT. DISCOVER FIN SVCS LLC WAS OPENED IN MY NAME WITHOUT MY AUTHORIZATION IN XXXX, XXXX IN THE AMOUNT OF XXXX. XXXX XXXX WAS OPENED IN MY NAME WITHOUT MY AUTHORIZATION IN XXXX, XXXX IN THE AMOUNT OF XXXX. DISCOVERBANK WAS OPENED IN MY NAME WITHOUT MY AUTHORIZATION IN XXXX, XXXX IN THE AMOUNT OF XXXX.
Company Response:
State: CA
Zip: 94611
Submitted Via: Web
Date Sent: 2019-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: in XX/XX/2018 Discover called to set up a payment arrangement for Discover card they told her that the charges were right at {$2500.00}. After doing some investigation we discovered that that was not the charges that I have made. My total charged on the account were less thaN {$700.00}. I submitted bank statements, police report, statements from the bank of the fraudulent account stressing to the fact that I did not have, nor had I ever, had an account with that bank, however the fraud department of discover card services section of chose to hold me liable for the charges on the account saying that since they had previously received payments from my XXXX account that the other account had to be mine also. They did not, per their representative, did not investigate the fraudulent bank account, they did not contact the merchant where the fraudulent charges were made, they did not except the police report and they did not remove the fraudulent charges. Discover did not do anything to resolve this issue, or too verify any of the evidence submitted.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2019-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A