Date Received: 2019-10-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Hello, I'm XXXX XXXX. In the fall of XXXX due to major medical XXXX resulting in medical bills and also job loss, i had to file chapter XXXX bankruptcy which XXXX all of my debts. I needed to re-build my credit profile by getting a secured credit card. I had a very small secure DiscoverIT card and that account was eventually closed ( this was XXXX XXXX of XXXX ). Now i need to continue to re-build my credit profile in order to get ready to purchase my first home. My income has increased and i'm now in a much better financial place where i can responsibly manage a credit card. Yesterday evening, i used the Discover pre-approval too, which told me that i was pre-approved for their " SECURED DiscoverIT '' credit card. The problem is that once i filled out the official application online a few minutes later, i was then DENIED ( present day is XX/XX/XXXX ). Enough time has passed to re-open an account and become a discover customer. They pride themselves on having a credit card for " everyone '' and they really don't. Please fix this. It will prevent me from purchasing my first home in the future. This issue is also preventing me from applying for secured credit cards with other major banks as well, i keep getting denied because of the discover account. The account was closed and i do not owe them anything, they refunded my {$300.00} security deposit. The problem is : 1. It's a secured credit card, so there is no risk and my financial situation has improved dramatically. I would be using my own funds as the credit line. 2. How do they expect people to " re-build '' their credit if we can't get the opportunity to start over and build good credit history using a secured credit card? It's counter intuitive. 3. Now, this will result in a negative hard inquiry on my credit report which of course lowers my score some more. What i need from CFPB as a resolution is this : Get Discover to re-consider and APPROVE me for a " secured '' credit card using my own funds. i am not asking for an unsecured card, just a secured card to be able to start over. Then i need you to reach out to the three major credit bureaus ' ( XXXX, XXXX, and XXXX ) and ask them to remove all of the negative inquiries on my credit report so that my credit score increases. I believe this also affects my XXXX score, which prevents me from opening secured cards elsewhere and it also prevents me from opening a standard bank account. So please reach out to XXXX as well, and make sure that is resolved and in good standing. That one minor {$300.00} secured credit card makes up an entire 35 % of my credit score, so it is literally bringing my score down. I also contacted Discover myself and they refused to help me or appeal their decision. They wouldn't even look into the matter. That's why i'm asking CFPB to step in. Please contact me Asap! Details : Discover Account ending in # XXXX My SSN : XXXX Name : XXXX XXXX XXXX DOB : XX/XX/XXXX Phone : XXXX email : XXXX Current Mailing Address for correspondence from CFPB : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MD XXXX XXXX contact Info : Payment address : Discover Financial Services XXXX. XXXX XXXX XXXX XXXX, IL XXXX Discover Customer Service : Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Discover phone number : XXXX XXXX XXXX XXXX XXXX ( please contact them also ) Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Phone : XXXX v/r, XXXX XXXX
Company Response:
State: MD
Zip: 20740
Submitted Via: Web
Date Sent: 2019-10-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: What was the Fraud that occurred? On XX/XX/XXXX XXXX sent an email to XXXX from an employment advertisement on XXXX regarding a XXXX XXXX Manager. On XX/XX/XXXX XXXX XXXX sent an email reply to XXXX stating a contract will follow and questioned, do you have Federal Security Clearance. XXXX stated he did not but worked for the XXXX XXXX XXXX in the past. On XX/XX/XXXX, XXXX XXXX emailed the XXXX contract and documentation as to the legality, authenticity and validity of the company to XXXX. XXXX hired Lawyer XXXX XXXX to verify that the company and the business contract was valid and legal. Attorney XXXX sent an invoice for his services. Upon the determination by XXXX that the contract and company was verifiable as a US corporation and contract business concept was reviewed, XXXX entered into an employee position as XXXX holdings as a Purchasing/Supply side manager. XXXX XXXX provided a supervisor who gave details of a training period of eight purchases to be sent to an XXXX facility customer overseas. XXXX was provided instructions from XXXX XXXX for that training period of time. XXXX was instructed to use pay off any balance on his credit card with XXXX XXXX XXXX account number to verify the company was operating in good faith. XXXX was instructed to make purchases of retail items during this training period to purchase XXXX, XXXX, and laptops and was instructed to make plans to fly to New York after for further training and to receive a XXXX XXXX XXXX XXXX Credit card with a purchase limit of {$80000.00}. During the course of four weeks XXXX completed eight purchases per his employment agreement and training period on XXXX accounts ending in XXXX,XXXX,XXXX and Discover Card account ending XXXX and was reimbursed by XXXX XXXX XXXX account to reflect a balance of XXXX on each occurrence. After each purchase XXXX was instructed to use XXXX XXXX XXXX bank account to reimburse his charges. o Account number : XXXX Routing Number ( RTN ) : XXXX Account Type : SAVINGS, PERSONAL Bank name : XXXX XXXX XXXX o Account number : XXXX Routing Number ( RTN ) : XXXX Account Type : CHECKING, BUSINESS Bank name : XXXX XXXX XXXX This account was not used but given after the other did not work. How Did the Fraud happen? On XX/XX/XXXX XXXX used the XXXX XXXX XXXX account to pay a previous dept of {$2400.00} on XXXX XXXX balance upon the direction of XXXX XXXX Manager of XXXX XXXX. This was conducted though the XXXX app. The account numbers were entered into the application and the transaction was confirmed as a XXXX balance. XXXX applied the XXXX XXXX XXXX account number to pay XXXX XXXX Credit card with a balance {$8100.00} on XX/XX/XXXX. 26 days later on XX/XX/XXXX XXXX received NOTICE the transaction was not valid on the XXXX app and was contacted by a XXXX representative seeking a monthly payment of {$300.00} On XX/XX/XXXX XXXX discovered from both the phone conversation and via email from XXXX XXXX that XXXX XXXX XXXX transactions were invalid from both speaking to the 20 year Discover Card customer service representative regarding an online alert from Discover XXXX app. On XX/XX/XXXX, XXXX the Discover Card representative informed XXXX that the failure of XXXX XXXX XXXX to process a transaction is most likely an employment crime/ scheme designed to defraud XXXX and that all transactions from XXXX XXXX XXXX including payments were most likely involved in money laundering or other criminal activity from a foreign country/ entity. On XX/XX/XXXX, XXXX received an email from XXXX XXXX reporting a failed XXXX XXXX XXXX transaction. At this point on XX/XX/XXXX, XXXX drove to the police department to speak with XXXX XXXX ( XXXX ) for report number XXXX at central time XXXX XXXX called XXXX XXXX, DISCOVER and XXXX XXXX XXXX to report fraud activity and to dictate details to include police report on XX/XX/XXXX. At this time all previous card payments were REVERSED by the process of declined bank transaction. My point of contention is that all transactions looked good until I called XXXX XXXX XXXX and told them that the account they own has been hacked/stolen/ or is in use by criminals. In addition, all the banks show the date of decline as the same date of purchase, THIS IS MISLEADING AND FALSE. I have attached an example of the longest of these from my XXXX slate credit card account. This example shows on XX/XX/XXXX a payment was made and on the same day was returned. This is not the case. When I learned from the Discover Card employee on my last attempt to make a payment and he alerted me to the fraud saying. IN 20 years of working with Discover I have not seen any of these employment / purchasing contracts pan out. ON XX/XX/XXXX I called XXXX XXXX XXXX and ALL of these transactions were reversed. My questions for you are Does this misleading XXXX balance mechanism open a portal for abuse between banks? XXXX XXXX says they do it as a courtesy. How many fraud transactions have been conducted because of this business practice? I believe this aspect of banking with Credit Cards is wrought with abuse and allows for fraud to occur. See Picture 1 for transaction {$8100.00} on XX/XX/XXXX. This is a typical example of all statements that show the reversal on the same day as the purchase. How can Credit card companies go back in time and change statements after the fact to demonstrate a misleading account ledger? It does not show a chronological tally of events but rather one that fits the bank. This is true for Discover, XXXX, and XXXX XXXX. They all changed their reporting after I called XXXX XXXX XXXX to alert them of fraud on the account number given to me. How can XXXX XXXX XXXX be held accountable for the actions of their account holders when they are in essence money laundering and in violation of the US Patriot Act and RICO law? I have emails directing me to make purchases and pay off transactions by the company XXXX by XXXX XXXX. That company used XXXX XXXX XXXX financial institution to conduct business. They are criminals residing at the website XXXX. This website is up and running and using accounts currently from XXXX XXXX XXXX. Discover and XXXX XXXX all accept funds from this bank that is actively working with a criminal enterprise in a foreign country. How much money does XXXX XXXX XXXX earn from fees and transaction costs from these criminals? How much does Discover and XXXX XXXX????? Picture 1
Company Response:
State: IL
Zip: 603XX
Submitted Via: Web
Date Sent: 2019-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have requested a copy of the signed agreement from Discover Bank. I am being sued by Discover, and need this provided please. I have not received a reply that includes the requested document.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2019-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-22
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I called XXXX this morning to arrange payment on my school loans that had gone to default. I dont make a lot of money, I have a lot of other bills, but I would like to be working towards some end of my debt, even if Im making small payments. The call started off relaxed as I explained I wanted to start off with small payments and increase them in the future. This is where things started to take a dark turn. I was told I needed to make a payment of over {$4000.00} up front and then go onto a payment schedule of over {$600.00} a month. I told him that was impossible. My budget allowed more towards {$100.00}. He started to become invasive in where I worked, what kind of money I make, telling me there was no way theyd allow me to make that low of a payment. I had let it slip early on in our conversation that I worked in retail and would have longer hours soon. He said I should put all of my extra money into paying my loan and that I should also use my tax return for it. I was getting beside myself and trying so hard to get him to understand I couldnt, I needed a new car ( mine is totaled ) and he took advantage that moment to accuse I was trying to put all my money towards a lengthy car payment ( not true ), to which I said, look, I have to drive to work in order to pay you, if I dont have a car to drive to work, I have nothing. I said somewhere I was borrowing my moms car and he said I should ask my parents for money to pay the loan. I said, well, my dad is dead. My mom is on a fixed income. He kept pushing that my mom should pay my loan. I said, Im supposed to just borrow my moms money and try and pay her back over 20 years? And he said like youre doing to us? I said the whole argument was ridiculous because she has no money, shes sick, and over 70 years old. He stopped pressing that point. Then he said I should get a second job. At this point I was crying. I was in therapy just to be at THIS point, I couldnt handle a second job. I was sobbing. I said I called him, I was trying to give him money for my loan. I said it was pointless to tell him, but that were at time in our country where people arent paying loans. But I called HIM. Im trying to pay and he wont let me. He finally said he would accept {$200.00} a month for 4 months and then reevaluate in XX/XX/XXXX. This was horrible. I was determined to start paying back what I owed and now Im fearing how Im supposed to go on without an extra XXXX dollars a month. I felt attacked personally on all sides, I felt traumas revisited, i feel less inclined to try and settle other debts, I was crying on and off through work all day. I feel abused and emotionally exploited. This is a problem because I know Im not the only one experiencing conversations like this. It is not helping and it makes me want to cancel everything and just disappear.
Company Response:
State: IN
Zip: 469XX
Submitted Via: Web
Date Sent: 2019-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-21
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I opened up a discover card and was told I would have 24 years interest free, today I called and spoke to XXXX ( XXXX ) in XXXX, Arizona. I told her I spoke with a man back in XX/XX/XXXX she informed me his ID was XXXX and I told her I called him when I was at the XXXX store in XXXX XXXX, Florida he raised my limit and said have fun spending its interest free, I double checked with him. Now they are billing me for the year XX/XX/XXXX and refuse to fix the issue. Please let me know what I can do? Thank you XXXX XXXX XXXX
Company Response:
State: FL
Zip: 32958
Submitted Via: Web
Date Sent: 2019-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-21
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I never agreed to authorize this loan. The loan was agreed upon by the co signer. I did not sign any loan to give my approval to commence such loan. I have contacted Discover student loans to explain that I had nothing to do with the origination of this said loans. I do not have a way to pay back any loans and at the time of said loan I was not capable of paying a loan or can sign for one. I had no credit to sign for one nor do I have credit today to acquire a loan. I demand a signature by me approving this loan. Thank You
Company Response:
State: CA
Zip: 92234
Submitted Via: Web
Date Sent: 2019-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Discover Card Services fails to promptly process and post on account timely cause late fees. Payments are posted 14-16 days beyond the due dates. I make payments 10-15 day in advance of the due dates. I am requesting the Agency investigate Discover Card Services payment process habits. I believe this legally tactic is being use the fraudulent enrich this company by there actions. This is not the first time this has happen, it happened on three other occasion in which payments are not promptly process and posted on the account cause numerous late fees. Discover Card Services fails to promptly process and post on account timely cause late fees. Payments are posted 14-16 days beyond the due dates. I make payments 10-15 day in advance of the due dates. I am requesting the Agency investigate Discover Card Services payment process habits. I believe this legally tactic is being use the fraudulent enrich this company by there actions. This is not the first time this has happen, it happened on three other occasion in which payments are not promptly process and posted on the account cause numerous late fees. We request the Agency investigate the postal marking on the envelops. Request the late fee be removed and credit on our account.
Company Response:
State: NJ
Zip: 08005
Submitted Via: Web
Date Sent: 2019-10-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.The date of last active and last payment is not reported consistently.
Company Response:
State: MA
Zip: 02151
Submitted Via: Web
Date Sent: 2019-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XXXX the XXXX I sold a property with my other two siblings. XXXX XXXX XXXX received a report that I owe two credit cards from Discover. They held the funds in Escrow but they gave me a full month to fix the problem. XXXX a Collection Agency had both credit cards for collection but one of the credit card debt was closed. So I called Discover and they told me I owed {$3200.00}. In the meantime XXXX XXXX XXXX paid the first credit card that was open but then is when the trouble started because XXXX XXXX XXXX asked XXXX the Collection Agency if they had the other credit card debt. XXXX responded they had it but IT WAS CLOSED. XXXX XXXX XXXX gave them inside info that the debt was still open so XXXX called Discover and got the account open back again. I called Discover ready to pay but they told me to call XXXX. So now I am stuck with XXXX which is demanding I pay {$6600.00} XXXX XXXX XXXX ( XXXX ) did MALPRACTICE on me. Please notice that The Judgement amount on the open credit card debt was {$5700.00} but I paid {$7500.00} which is {$1800.00} or 32 % of The Judgement amount. But now ; on the second Judgement of {$3600.00} they want to charge me {$6600.00} which is {$2900.00} or 81 % above the Judgement amount. 81 % - 32 % is a 49 % difference. I will not deny I have insulted both ; XXXX XXXX at XXXX XXXX XXXX and Mr. XXXX at XXXX. I wanted to file a lawsuit for malpractice but I was told it takes years and expenses and it is such an insignificant quantity of money that it is not worth it. I have asked Mr. XXXX to return the account to Discover so I pay them what they asked the {$3600.00} but to no avail. XXXX is not writing to me anymore. He is just waiting for the escrow to be released for the amount he says.
Company Response:
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2019-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-19
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: As part of an ongoing effort to get Discover to recognize that they opened an account in my name without my participation, knowledge or consent, I've sent them several documents proving my position. Three weeks ago, I got a letter related to a taxable income form they claimed to have sent me in 2018 regarding this account and reporting as income I collected. This morning, I received notification that they responded to two disputes I initiated with them. The problem - I never contacted them regarding any disputes. I'm not sure what sort of con Discover is currently running, but, once again, they are taking action in my name - action that I never initiated or asked for. This needs to stop and they need to admit that they were in the wrong for issuing this account to a person who wasn't me.
Company Response:
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A