Date Received: 2019-08-30
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I was applying for a new credit card at Discover and provided every bit of information that they requested including the all the documents proving identification. After speaking with an agent it came to light that it is required that I talk on the phone to confirm these details but I speech issues on the phone which makes talking on the phone very difficult and causes quite a lot of anxiety for me. I let the agent know that and they were respectful but did not provide another option and canceled the application. Just sad that discover could not be more assistive to me.
Company Response:
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2019-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-30
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Dear CFPB, I am a new client to Discover Financial Service. I applied for Discover It credit card on XX/XX/XXXX. I filed my application and contacted Discover for the final decision. I uploaded the most recent bank statement and a copy of my SSN card as requested. After the reviewing process, the credit analyst told me in the phone that my personal information got verified and my application got approved. I received my Discover It card on XX/XX/XXXX. I read all the materials along with it and followed instruction to activate my card ( XXXX, XXXX ). After that, I created an online account through Discover to manage my card and logged into their mobile application. I also contacted Discover ( XXXX, XXXX ) to ask how to set a PIN and questions regarding to monthly statement and payment. Around XXXX, I tried to link my XXXX card to XXXX Pay. But it returned an error that " Verification Required, Call XXXX ( XXXX ) XXXX to verify your card for XXXX Pay ''. Thus, I called XXXX again for reporting this issue ( XXXX XXXX ). First, I was told that it is a regular procedure for the account identity verification. Then, after providing all the required info, I was transferred to a representative from the Fraud and Account Protection department. They asked my social security numbers and other info again, and told me that my account still needs some operations and will be all set very soon. After that, the representative told me that I should provide further documents to verify certain info and they also sent me an email through CPSReview as follow up. The email asked me to provide SSN again and required me to sign Form SSA-89 Authorization. Furthermore, they demand me to provide a copy of current U.S. state driver 's license or limited term one or U.S. state ID card. During this time, I realized that my Discover account was blocked from their mobile app and websites. On top of that, they also declined all the transactions made by this card. As a result, I called Discover through XXXX at XXXX to solve the issue. But another representative told me that it is a normal inspection but if I could not provide above materials in 14 days then they will close my account. I argued that I have already provided all the needed and necessary documents during the application process. Moreover, I have proofed my residential address and personal identity through the phone with their agents at least twice. But they refused to unlock my account unless I provide all the documents they needed and also threatened me that it would be a negative impact on my credit history if they decided to close my account. I stated that I am a foreign citizen with work permission. So, apart from SSN, I am clearly not able to provide U.S. state driver 's license or ID card in the near future. My recent applied Indiana Real ID will take at least 30 days to deliver. But Discover insisted their demands and refused to accept my other legal documents ( such as Passport ) as an alternative. I feel extremely disappointed to service provided by Discover. And I believe that I was unfairly treated as a client. Literally, it was supposed to be my first day that enjoying their service. Instead, they suspended my account without any specific reason, which I even did not make any transaction. They also ignored customers ' special situation, or listen to their needs, or even provide alternative options. As a financial service company, it is their obligation to verify clients ' identity and avoid fraud. But, instead, they push those responsibilities to clients and repeatedly request their credentials to prove who they are, which bring huge risks of personal info leakage. The ridiculous fact is that the company has already collected those materials during application process and maintains their official channels to verify it. But they just are not willing to do it.
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-29
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 got a call from fraud scammers who already knew my identity and my social security number who threatened me to give up more information about myself which lead to me giving up my debit card and credit card information to these scammers.
Company Response:
State: CA
Zip: 94603
Submitted Via: Web
Date Sent: 2019-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am new to Discover Bank and i put a small amount in the checking account to test it before I make the full switch to them. Today, XX/XX/XXXX, I tried to use my card for gas and it was declined NSF. I called and was explained that it is because the gas station will put an authorization sometimes up to {$100.00}. I do understand that so I spoke to the gas station and I was told that, that usually happens with credit cards however debit cards it is usually {$1.00} ( I have {$75.00} in the account ). Ive had {$10.00} in XXXX XXXX before and was still able to buy gas for that amount. I then tried to use it for XXXX and XXXX XXXX XXXX, which both were declined. I called Discover Bank and they did not see the attempt for either two. The explanation was to contact the two companies and really no other answer was provided. I should not have to, it is time consuming, this is not a problem a consumer should be resolving and honestly I do not have this issue with XXXX XXXX or my local credit union. I did close my account with Discover but it was sad because I had such high hopes for Discover as I had such good experiences with their credit card.
Company Response:
State: UT
Zip: 84081
Submitted Via: Web
Date Sent: 2019-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-29
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I have several variable student loans with Discover which are supposed to follow the PRIME rate index. Every time the PRIME rate had an increase, Discover updated my monthly payment immediately. However, this time the PRIME rate decreased from 5.50 % to 5.25 % on XX/XX/2019 and Discover has not updated my overall interest rate and it is still charging me with the 5.50 % old PRIME rate.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-28
Issue: Getting the loan
Subissue:
Consumer Complaint: I have a personal loan with Discover. I took it out in XX/XX/XXXX. I have been receiving offers for another loan. This would pay off my existing loan and get $ available. Today I applied via phone. I was told I was turned down due to a Bankruptcy. I filed Bk in XX/XX/XXXX and was discharged. It has dropped off all 3 reports. I just purchased a new home. I called XXXX to inquire. I was told there is no BK on my report. I called Discover back. I was eventually told that there wasn't a BK reporting however the word " Reaffirmation '' was on it from a paid off trade line. I tried to explain that the Actual BK was on my credit when the original loan was made. I asked how can I be turned down for a word and you use the BK as the reason. I got no where and was turned down. I have been in XXXX for 18+ years. I believe this is a violation of Fair Lending. My score is over 800. The fact that I had the actual BK on my report when the first loan was made and now it is dropped off and I am turned down for BK being the reason isn't right. I don't think it is legal. How can I be turned down for something that isn't there? I would appreciate you looking into this matter and letting me know if this should have happened.
Company Response:
State: TN
Zip: 38242
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My credit card bill was not sent to my house for several months ; when it was the numbers on my credit card did not match the numbers on my credit card bill. Payments were deducted from my checking account, then they were not credited to the credit card bill.
Company Response:
State: KY
Zip: 40508
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: hi im XXXX XXXX discover charge me unnecessary fee on my credit card i try to make a payment the payment was successful after they charge me unknown fee now i need to take a loan i cant because they make bad report on my credit i need help soon as possible my number is XXXX
Company Response:
State: NY
Zip: 11433
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-27
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: This year, I purchased a book through the XXXX company and I used my Discover Card to make this purchase. Then, many months later, my wife 's Discover Card was stolen and out entire account number was closed and Discover Card reissued us a new Discover credit card. Then, sometime after the Discover Card was reported stolen and number shut down, the company XXXX company ( XXXX XXXX XXXX, XXXX ) charged my old Discover credit card and Discover Card allowed the transaction to commence, since I had used the Discover Card to make a prior transaction on it. Discover Card is claiming that the XXXX book purchase is a reoccurring transaction, but this is false and fraudulent information. In fact, I can not remember the last time I charged merchandise with the XXXX company ; other than the one prior this year. XXXX is claiming that I had signed up for a membership. And as such, they charged the Discover card for the same book, for the next year. I have not signed up for any membership and I have not received any book from the XXXX company under this new charge with Discover Card on XX/XX/XXXX, in the amount of {$30.00}. I disputed the charge with Discover Card, but the Discover Card claimed the transaction is valid. I HAVE NOT RECEIVED MERCHANDISE FOR THE CHARGE!!! DISCOVER CARD SHOULD NOT HAVE ALLOW AN OLD CLOSED ACCOUNT NUMBER TO RECEIVE A FUTURE CHARGE!!! The card was closed and NO transactions under that old account number should have commenced or been accepted by Discover Card!!! This matter will be fought tooth and nail, even if I have to bring the matter to court!
Company Response:
State: CA
Zip: 91401
Submitted Via: Web
Date Sent: 2019-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-28
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: signed up for promotion, deposited amount required within time limit through depositing checks, and they didn't explain to me I could ACH or how to even do that, when I called in multiple times for the promotion credit.
Company Response:
State: CA
Zip: 94550
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A