Date Received: 2019-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I have disputed the account 4 times XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and all four times they refuse to remove this from my credit. I also called them twice to advise them that the Judge has dismissed for the following reason : 1 ) Plaintiff failed to appear for a hearing or trail of which notice was had, 2 ) Dismiss for want to Prosecution. The person didn't get her name but she told me that I just needed to wait till it drops of my credit, but in the mean time it still shows up every month on my credit. I have also Mailed them a copy of the dismissal letter dated XX/XX/XXXX and they still refuse to remove from my credit.
Company Response:
State: TX
Zip: 75150
Submitted Via: Web
Date Sent: 2019-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-10
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 I received a call from Discover saying my payment was late. It was news to me as I rarely used my credit card, and had it set to automatically pay the balance off every month if I had used it, so there should be no balance. I was told I owed {$7600.00} and I immediately told them it had to be fraud. They told me it had been being paid via phone instead of auto pay, and asked if a XXXX area code number was a number associated with the account. I told them no, there's no way that number should be associated with the account, but that I could tell them who committed the fraud because I did know the phone number. They sent me a year 's worth of statements to go through and call back and tell them which charges were fraudulent. There were only a few that were not fraudulent over the course of a whole year, and I did not dispute the few legitimate ones. I realized it had been my daughter, who had been living with me until she never came home in XX/XX/XXXX, who had been using the card. She had been taking care of some of my finances since XX/XX/XXXX as I had been in and out of the hospital for very serious ailments, and became XXXX and reliant on a XXXX in XX/XX/XXXX, as well as starting XXXX XX/XX/XXXX. There had been a few occasions on which I had authorized access to the card in XXXX, e.g. paying for my granddaughter 's dog to be neutered in XX/XX/XXXX. I did not realize that she had taken the card from my purse and used it to buy all manner of expensive things many times ( {$880.00} on XX/XX/XXXX, {$500.00} on XX/XX/XXXX, {$380.00} on XX/XX/XXXX, {$1300.00} on XX/XX/XXXX, a few among many charges disputed ) as she also retrieved the mail, and had her number put on the Discover account. The first I heard of this was in XX/XX/XXXX, after my daughter left and her phone service had been cut off. When I disputed these fraud charges, I asked if I had to file a police report, as getting out and around is harder for me and was told I did not have to. Discover sent a letter saying they wanted me to provide a written affidavit and to confirm which charges were fraudulent. I did this and sent it back, only to receive a statement from Discover saying that they believe it to not be fraud without further information. I called their fraud department and asked what further information they would like, and was told they required a police report, and until I did, their investigation was closed. I said I would get them the information they needed as soon as I could. I tried to get in contact with the county sheriff 's office multiple times, as they had reached out to me about a separate incident previously when I was in and out of the hospital in XX/XX/XXXX. My hospice social worker got me in touch with XXXX XXXX XXXX, who also tried to reach out to them multiple times, but no one ever followed back up with me. I eventually gave up on the sheriff 's office and contacted the local police department, and they had me file a report over the phone instead of in person. I gave Discover the police report number along with the officer 's name, the police department phone number, and address so that they could reopen the fraud case. A month later I received two letters, one saying that they accepted that it was fraud, and one saying that it was not, and got a call to clarify that they found it was not fraud because I did not contest that the small payments being made without my knowledge so that Discover would not call my landline phone and alert me to this activity were also fraud. I have been making payments this entire time so as not to ruin my credit report, but it has been very eye opening to see how people do not seem to care at all if you are a victim of fraud by a family member that you previously trusted.
Company Response:
State: MI
Zip: 485XX
Submitted Via: Web
Date Sent: 2019-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-10
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2019 I mailed and filed a taxable event with the IRS and the US Treasury and gave notices and copies of the taxable event to the Discover credit card company. Then onXX/XX/2019 Discover sent me a letter stating that they received communication from me or my agent indicating that I would no longer be able to meet the financial obligations on the account. And as result Discover has closed the Discover credit card account. Since XX/XX/2019 to XX/XX/2019 ; I have called the Discover customer service telephone line several different times asking Discover to correct the mistake of closing the account and to re-open the account, but Discover has repeatedly told me the account can not be reopened and that Discover has the right to close the account at anytime according to the terms and conditions. On XX/XX/2019 I called the Discover general inquire telephone line and spoke with XXXX, Agent XXXX in the Ohio office. She stated that Discover received correspondence from either me, my agent, or my Power of Attorney stating that I would no longer be able to meet the financial obligations on the account, and to closed the Discover credit card. She explained that Discover 's terms and conditions states that Discover has the right to pull the credit from the account if it is determined to be in Discover 's best business practice. She provided me with an address to correspond to about the account at XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. She further stated that once the accoun t is closed that the account could not be reopened at this time.
Company Response:
State: TX
Zip: 78750
Submitted Via: Web
Date Sent: 2019-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-09
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I am currently still enrolled in classes with my school. I should be in Deferment status but for some reason I am in Repayment status. I was not aware that any sort of payment was due until I had a payment past due and another payment to be due in a few weeks. The amount of these monthly payments are almost as much as I pay in rent each month, needless to say, I can not afford one, let alone 2 of these payments in a month. I still have a year and a half left before graduation and I am terrified of the amount of debt that I am in to this company who has not been helpful whatsoever.
Company Response:
State: CA
Zip: 92109
Submitted Via: Web
Date Sent: 2019-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: First, I did not utilize the benefits ( Discover Payment Protection Plan ) on the account to keep the account open. There are over {$1000.00} worth of fraudulent charges on the account. I have them listed below. Secondly, I am able to pay about {$40.00} a month. There are other customers, at Discover Card, paying {$40.00} a month on their account. He is being discriminatory. He may be racist. My health is failing and I need to purchase a used vehicle very soon. I would not like this fraudulent balance on credit report. He did not notify me of my account closing, he said it was caused from one or two things. Anyhow, he closed the account unlawfully. I had this account for 18 years, however, when people are busy with other accounts they tend to not look over their statements accurately.
Company Response:
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2019-07-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-09
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: For almost three years, I've been trying to work with Discover card to inform them that this account was opened without my knowledge or consent. Most of my work can be chronicled on this platform. Throughout that time, I've witnessed a cascade of lies, misinformation and stall tactics employed by Discover. I've made it clear that I wasn't in the District when this account was opened, and when this card was used. Their response has evolved from : -we know he opened the card, but we have no proof ; -now our proof is a bunch of credit card statements -oh wait, we have application information that includes your relevant information, and we were able to verify it ( although that would have been hard since I WASN'T IN THE AREA FROM XXXX ). -We can't share application information, and we used an email address as part of the application, but we don't know exactly what email address. -Oh wait, we have the email address, and it's the one used on this complaint ( which became their position in XX/XX/17 AFTER I PROVIDED THEM WITH MY EMAIL ADDRESS ). -Then it was " we mailed you the attached statements. '' Then, " well, we didn't, we sent them via email, but we can't tell you which email address. '' Then " oh yeah, we sent it to the email address that you provided us, but we can't show you. '' -Then it was " well we can't show you the application, because it was submitted via the web. And because our systems are proprietary, we can't screenshot it and provide you proof. '' **Note** as a person who XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I can tell you this : no matter how proprietary the tech is that drives the site - every site has a " print fields '' function on data that they collect. I have a hard time imagining that Discover is any different. ** Then they claimed that they were going to sue me, but the statute of limitations to sue has expired. And in my last complaint, I finally found, and provided, proof of residence in the form of my signed subcontract least, placing me in OHIO during the time this account was opened. Yet, there was no mention of this during their last response. CFPB - there is a long and lengthy paper trail in the form of their responses that supports eveything I've documented. Discover - if you had any real proof, you would have sued. However, I can sue - for a variety of FCRA violations, along with libel and defamation of character. I've provided you with proof that I wasn't here with this application was opened. Fix this now. I've run out of patience.
Company Response:
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-08
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: This pertains to a Discover credit card which I have had since XX/XX/XXXX. Today, XX/XX/XXXX at about XXXX XXXX eastern time, I tried to my add discover credit card to a recurring bill on auto-pay to maintain activity on the card. I had previously used my cad regularly but this year I wanted to curtail credit card usage so I maintained a single card with a larger limit. When I tried to use my discover card today, it came back as an attempted fraud. I immediately called the toll free number on the card and was told that the credit card had been closed permanently. I spoke to a supervisor, explaining my mother 's illness and passing had absorbed my attention. Also the bank of mailboxes at my apartment had been vandalized and was being replaced around the timeline they sent me a letter. They said they had sent me a letter in the first week in XX/XX/XXXX. I didn't receive it and only just learned about it during our conversation. The supervisor explained that they could not reactivate my card as it was permanently closed. I saw congressional hearings regarding XXXX XXXX that was able to open accounts without customers knowing. I have watched Rep XXXX XXXX take big companies to task for not protecting their customers. I feel Discover is not protecting their customers if it takes only one missed letter to give them the legal cover to close my account that has real consequences for me. I participated in the application, the activation, the use, the payment of balances incurred. Why then can the company close my account without my participation. This affects my credit score in terms of the length of time averaged and my debt ratio. I started with a limit of {$500.00} and used it regularly to built up my credit limit. I feel that discover should not benefit from doing the bare minimum, not even sending me a second letter, an email, text or call. Also, their first contact was in XXXX and they did very little to maintain my business. I understand that a {$2000.00} may be nothing to their algorithm driven business model but this is certainly is a fissure in their business model that translates to a disregard for the average customer who is trying to build a credit history that will reduce the cost of borrowing money for them.
Company Response:
State: FL
Zip: 33314
Submitted Via: Web
Date Sent: 2019-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Please help! I was alerted Discover Card reported my account 30 days past due. However, my account is close but for the last 36 months I have been making payments by auto draft to payoff the balance as with agreement with Discover. When I called I was told that they sent notification via email tht one last payment was due. However, when I asked speak with a supervisor ( XXXX ), I was told not email was sent to notify me my last payment was due. All is this is concerning because I never received a statement to say {$21.00} and some change was due, they never called me to say the payment was due nor did they ever email me to say the amount was due. Discover has all the correct contact information as it was verified today XXXX. Lastly, they could have easily taken the final payment out of my checking account as they have been for the last 36 months. Reporting my account as 30 days past due was done with malice. Discover Card has validated the Fair Debt Collection Act. and my rights as a consumer.
Company Response:
State: NC
Zip: 273XX
Submitted Via: Web
Date Sent: 2019-07-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: my mother was issued a Discover credit card in 1995. The credit limit has been increased to {$30000.00} a couple yrs ago. My mother is XXXX XXXX XXXX & on a fixed income. She has several health problems and is on a fixed income. My mother just came home from the hospital/rehabilitation after being there for over 30 days. At this point she needs assistance with her physical needs as well as paying her bills ( writing checks ) on time each month. I just recently found out the Discover Credit Card debt & I am really concerned that the company would give a XXXX senior on a fixed income such as my moms {$30000.00} credit line. With how things are now in the world our seniors are easy targets for scam. My mom has worked hard all her life and at this point in her life she ( past couple months ) has worried about lost her home, not buying her medication because of this. My mother is has been a widow for 7 yrs. She lives alone her income is only once a month.
Company Response:
State: NC
Zip: 27360
Submitted Via: Web
Date Sent: 2019-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-08
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 Card has multiple charges that I did not authorize. The charges are showing as pending. The Discover Card company is also not posting my payments to my account prompting a negative available credit. Please investigate for fraudulent practices and inaccurate billing. The Fair Billing Act ensures the accuracy of payments and credit reporting. 1. Charges of {$600.00} payment on XX/XX/XXXX has been deducted from my bank but not posted to my account. 2. XXXX XXXX XXXX pending transaction was not authorized in the amount of {$630.00}. 3. XXXX XXXX is not posted to my account in the amount of {$830.00} 4. Payment on XX/XX/2019, in the amount of {$190.00} is not showing.
Company Response:
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2019-07-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A