Date Received: 2019-08-05
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Despite multiple CFPB complaints Discover still has not closed my account and has failed to cease and desist in illegally monitoring my loan and credit activity through XXXX. This monitoring is illegal and unauthorized. RE CFPB complaint # XXXX, Company responded on XX/XX/2019 : " As per your request, we have updated our records to ensure that you will no longer receive the SSN/New account alerts that you had previously activated. ... XXXX XXXX XXXX Executive Office of Customer Advocacy Enclosure ''. However as you can see from the attachment Discover still has not closed my account and continues to monitor my loans and credit activity. This is blatant harassment and illegal. XXXX apparently either Discover employees are incompetent or Discover is thumbing its nose at the CFPB and the consumer. Highly vindictive XXXX. I encourage the CFPB to initiate a class action.
Company Response:
State: OH
Zip: 44133
Submitted Via: Web
Date Sent: 2019-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-05
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: This is my second time filing a complaint. I have been waiting patiently for XXXX MONTHS for Discover to fix access to my online account. I am requesting that Discover follow-up with me via e-mail, as I am currently abroad and unable to pick-up phone calls. I really would like to be able to access my Discover credit card account and Discover bank accounts as for XXXX MONTHS I have been unable to access my accounts or have access to online transfers, bill payments, etc. I thought that Discover should have immediately had people in their I.T web department resolve it for me. However, this thing has unnecessarily dragged on for XXXX months now without any kind of resolution nor follow-up at all from anybody at Discover, and of course, without the issue ever being resolved for me so that I may access my accounts! So this is XXXX months without any access to my banking and credit card accounts with Discover, and there has been no attempt to resolve the technical issues on Discover 's end for me. I am copy and pasting the text from my first complaint filed in XXXX, 2019 : On XX/XX/2019, I received a voicemail from Discover 's " fraud department. '' All I did was add an external checking account to my Discover account. I reached out to Discover immediately to inform them that I added the external bank account. However, it was too late. Discover had already deactivated my online access. I've had one Discover login to manage both my Discover credit card and Discover bank accounts for several years. Everything has ran smoothly up until XXXX days ago. After Discover took the step of deactivating my online access after mistakenly detecting some kind of fraud on the account, I had to spend an hour on the phone trying to reactivate it. After following all the steps and suggestions on the phone. There is an error after I log in with the account. I can see the accounts listed, but there is an error message next to each account that said : " verify this account. '' Any link that I clicked on including " verify this acount '' led to an error page. All of the links inside of the online account led to error pages. I reached out to Discover by phone and chat immediately to let them know what's going on. I can't access my accounts. I can not do anything with any of the accounts. It's very frustrating. I was told on the phone that " headquarters '' would be working to fix it. Over XXXX days later and there has been no communication what-so-ever from headquarters. No e-mail. I'm traveling overseas right now and e-mail is the best way to reach me. But no other form of communication from DIscover. No solutions. It hasn't been fixed. I've chatted multiple times. There is something bizarre with Discover 's chat support. I send a message and then verify my account info. Then I don't get another reply from Discover 's support agent for another XXXX minutes. After XXXX minutes the chat times out. It has nothing to do with the Internet connection, it's that literally the support agent is taking up to XXXX minutes to reply. It's like there is one person trying to service XXXX support requests at the same time? What is going on with Discover? I've never seen such poor online customer support in my whole life. On XXXX, the official Discover account asks me to open the chat and the whole thing repeats. I verify my account through chat, and then it takes XXXX - XXXX minutes to get a reply from the agent or no reply ever comes. This problem that is not my fault, and caused by Discover never gets solved. I wish I could be compensated somehow for how much time I've wasted trying to get it resolved. It's so crazy. I've called twice on this issue. Each time I can get through to their U.S support, which is good. But again, each time they say they've reported the issue to their headquarters and there is nothing else they can do at all. On XX/XX/XXXX, I got an e-mail from Discover with a temporary password. I thought for a moment that they finally fixed the issue and I could now log in. But I try to log in with the temporary password and it doesn't work. I'm so disappointed by the lack of communication, lack of a solution, and the fact that this whole thing was caused by a mistake by Discover just for linking an external account to Discover. I've never seen anything like this before, and never experienced any problem like this before with any other financial company. Since I received the temporary password today, I also can't log in at all.
Company Response:
State: FL
Zip: 34482
Submitted Via: Web
Date Sent: 2019-08-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-05
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: Discover didn't fully address my complaint in CFPB case # XXXX. So, I asked Discover again to answer the following questions in XXXX. The CFPB told me to file another dispute. So, again, Discover didnt answer them. So, again, I asked for them in complaint XXXX. Again, Discover didnt address the issues or answer my questions in my complaint. First, this complaint is not about XXXX pricing policies. Its about fraud. Discover advertises customers are not responsible for fraudulent charges. XXXX lies about its certifications/training. I bought an inspection to be done by a XXXX XXXX XXXX XXXX XXXX certified inspector as XXXX 's website advertises. However, my inspection was NOT done by a XXXX XXXX XXXX XXXXXXXX XXXX certified inspector. Also, XXXX advertises itself as being XXXX XXXX XXXX XXXX XXXX XXXX certified, yet there are not. Why does Discover feel this false advertising is OK? I didn't get what I paid for. An XXXX home inspector has gone through rigorous, specialized training. When we asked the inspector about the air duct in question, he said it was fine. Giving completely incorrect information is definitely not what I paid him to do. If Discover doesn't address all 3 of this issues in its reply, I will file the complaint as many times as it takes for Discover to address all issues in this complaint. At this point, Discover is false advertising. Discover says cardholders are not responsible for fraudulent charges. An XXXX/XXXXXXXX inspection not being performed but charging customers for one is fraud. As for Discover wanting proof of XXXX satisfaction guarantee, I gave Discover the web URL to XXXX satisfaction guarantee. But, the guarantee is a moot point, since XXXX false advertised.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: discover XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX and XXXX did their investigation sent po dept to the creditors and ftc violations but the above references company will not quit calling me asking for a debt that is not owed which is a Violation of the FCRA
Company Response:
State: TX
Zip: 77375
Submitted Via: Web
Date Sent: 2019-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I was making automatic payments of {$200.00} toward a balance transfer offer. When the offer expired I transfered the remaining balance to another company. I called Discover and they said the auto payments would stop since the balance on the card would be XXXX. Little did I realize the payments continued from XX/XX/XXXX through XX/XX/XXXX. Once I realized what was going on, they said the auto payments were for XXXX XXXX because of a balance on the card. When I told them Ive conferred with my bank and they said the payments never stopped, Discover them said they wanted the statements. I dont feel I should have to send them my confidential information. I want a cash refund of the amount they should have not taken ( {$1400.00} ) from my account, including interest.
Company Response:
State: WI
Zip: 546XX
Submitted Via: Web
Date Sent: 2019-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-02
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 purchased some dresses pants shirts from a company unbeknownst to me is known for fraud. They false advertised and they dont follow the measurements you send them. That they require. They sent items to me that i didn't order. That were completely different from their advertisement. I contacted discover they told me to upload documents. Their website never works for XXXX XXXX I called them they said use XXXX. I then talk to a customer service rep XXXX In ohio and she said its nothing they can do for me. Even though Discover website never works according to a technical rep stating that. And I received items that i didn't order.
Company Response:
State: CA
Zip: 95136
Submitted Via: Web
Date Sent: 2019-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XX/XX/2019 : I received a letter from Discover stating that my account was closed. The reason given was a " business decision. '' I was told that I can not be given anymore information and to write a letter to their headquarters for more information. XX/XX/2019 : I wrote a letter to Discover and later in the month, received communication that my letter was received. XX/XX/2019 : Received a phone call from the executive office and was again told that it closed due a " business decision. '' Also, I was told that I not allowed to get any more information and that they were the highest department I can complain to. Context about me : Never had a late/missed payment, total credit utilization is around 5-7 % on average. I have 4 other credit cards - again no late/missed payments. Credit score is around 750-800, depending on credit bureau. I have a mortgage that has been paid on time each month and equal to about 1yr of salary. I have 1 car payment, which again, has been paid on time each month.
Company Response:
State: NY
Zip: 11040
Submitted Via: Web
Date Sent: 2019-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I contacted all the credit berue on XXXX cause i have so many hard inquires made without my authorization
Company Response:
State: TX
Zip: 78731
Submitted Via: Web
Date Sent: 2019-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-01
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have a 0% APR balance transfer for the duration of a year on my account. I have been paying off each month this balance. On the month of XX/XX/XXXX I made some purchases on my car, which were posted on my most recent statement issued on XX/XX/XXXX. On that statement Discover is charging me interest for this purchases. Since the APR is 0% for a year, and this purchases were posted on this recent statement which is still not due until the XX/XX/XXXX, I should not been charged any interest. I called Discover on XX/XX/XXXX regarding this. I spoke first with an agent which could not give an explanation, and after that I spoke with a supervisor name XXXX which did not provide an legitimate answer. He claims that because I am carrying the 0% APR balance transfer, but then I made regular purchases, because I did not paid the full balance on my last statement, (which by the way, did not include the regular purchases, then I was charged interest for the most recent purchases which were posted on this statement issued on XX/XX/XXXX, not the one issued on XX/XX/XXXX. I should not be subject to any interest since the balance transfer is a different category subject to a 0% APR. This recent purchases are subject to my regular APR but were posted on this last statement which is not due yet.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2019-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Discover Bank closed my account when I called them to inquire why my credit limit had been lowered! They admitted their error, but refused to reopen my credit card account!
Company Response:
State: FL
Zip: 33142
Submitted Via: Web
Date Sent: 2019-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A