Date Received: 2019-07-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: DiscoverCard Payment Protection Plan. I was unaware that I was enrolled in this and did not give my consent. I did some research into what the charge was for and found that I had been charged this fee since XXXX. Until I looked into it further I thought it was a regular fee and was not aware that I had to give my permission to be enrolled in the plan. I also saw online that there was a class action lawsuit regarding this problem in XXXX. I am wondering what my rights are as a person who has not had resolution to this yet. I did speak with Discover to cancel the Plan. Thank you.
Company Response:
State: PA
Zip: 17602
Submitted Via: Web
Date Sent: 2019-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: THIS LAST YR THIS COMPANY XXXX CHARGING ME {$39.00}, I CALLED THEM AND THEY SAID I SUBSCRIBED SOMETHING THAT CAN INCREASE MY CREDIT SCORE, BUT I DONT EVEN REMEMBER, I TOLD THEM TO CANCELLED BUT STILL CHARGING MY DISCOVER CREDIT CARD, AND I ALWAYS DISPITED IT.I DIDNT NOT AUTHORIZE THEM BUT STILL CAN STEAL MY ACCOUNT.THEY HAVE A LOT OF WEB SITE NAME LIKE : XXXX XXXX, XXXX, XXXX. XXXX XXXX, AND MORE WITH THE SAME AMOUNT {$39.00}
Company Response:
State: NJ
Zip: 07644
Submitted Via: Web
Date Sent: 2019-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-05
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: [ Documentation ( emails, screenshots, etc ) available upon request ] XX/XX/XXXX - I signed up for an account with the company XXXX XXXX, under their 30 day free trial ( with auto-renew ). As part of signing up, I provided them with my Discover card information. XX/XX/XXXX - Due to poor service on the part of XXXX XXXX, I decided to cancel my account with them. After contacting them, I am informed in an email that I should follow a web link, enabling me to speak with an agent who would cancel the account. After a brief conversation with an agent in which I verified some account information, I was informed that my account was cancelled. XX/XX/XXXX - I receive an email from XXXX titled " Why come back to XXXX? '' in which the company states " We'd like to give you a special offer to come back to XXXX today. And if you act now, you may still be able to reclaim your previous phone number! '' I took this as further confirmation that my account had been cancelled. XX/XX/XXXX - I receive a second email from XXXX titled " Come back to XXXX with a Discounted Rate '' with content similar to the one received on XX/XX/XXXX. XX/XX/XXXX - My Discover card is charged for {$32.00} by XXXX eXXXX. Assuming my account was still active, I attempted to login via XXXX XXXX online portal and am informed that my account no longer existed. XX/XX/XXXX - My Discover card is charged for {$32.00} by XXXX XXXX. After seeing this, I spent several hours on the phone with XXXX XXXX, being on hold for long periods of time and being transferred multiple times. I felt my concerns were not being taken seriously and never received an explanation from the company for why I kept being charged. XX/XX/XXXX - My Discover card is charged for {$32.00} by XXXX XXXX for the third time. XX/XX/XXXX - I open up several disputes on Discover 's website for the previous charges from XXXX XXXX on my account, and received a temporary account credit on my account. I provided Discover with my experiences with XXXX XXXX up to this point. XX/XX/XXXX - I am informed by Discover that their dispute investigations have found in my favor, and my account with them is adjusted to reflect this. XX/XX/XXXX - I am informed by Discover that my previous charges from XXXX XXXX have been determined to be valid, and the credits to my account are reversed, along with a repost of the initial charges. I call Discover and am told that to continue the Dispute I should upload further documentation. XX/XX/XXXX - I upload further documentation to the Discover website, indicating XXXX XXXX XXXX history of fraudulent behavior in violation of California state law ( where XXXX XXXX is headquarted ) which states ( among other clauses which XXXX XXXX broke ) the following : " If the automatic renewal offer or continuous service offer includes a free gift or trial, the business shall also disclose in the acknowledgment how to cancel, and allow the consumer to cancel, the automatic renewal or continuous service before the consumer pays for the goods or services. '' The full law can be found here XXXX XXXX XXXX XXXX? lawCode=BPC & division=7. & title= & part=3. & chapter=1. & article=9. I also informed Discover that my experience with the merchant was not by any means unique, and that XXXX XXXX XXXX practices of predatory behavior have been well documented : XXXX XXXX XXXX ( you can see XXXX XXXX listed under the " Alternative Business Names '' section ) XX/XX/XXXX - I am informed by Discover via email : " After reviewing the information you provided, we determined that we've already considered this information or it was insufficient and we could not continue the dispute. '' When I attempted to contact a Discover support agent through online chat, I was informed that they would be unable to resolve the dispute in my favor without a cancellation number from XXXX XXXX ( which I was never provided with ). When I attempted to explain that XXXX XXXX XXXX charges were considered illegal under California state law, and asked for protection under Discover 's " {$0.00} Fraud Liability Guarantee '', I was informed that nevertheless Discover considers the transactions valid due to the fact that I had provided XXXX XXXX with my card information and had agreed to their terms of use.
Company Response:
State: MA
Zip: 02453
Submitted Via: Web
Date Sent: 2019-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-05
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 made an unfair judgement towards my dispute ( # XXXX ) against XXXX, and they refuse to correct it and help me get my money back. I purchased a discounted XXXX XXXX gift card claimed to have {$1200.00} value at XXXX ( XXXX # XXXX ) and paid {$1000.00} for it with my discover credit card ending in XXXX on XX/XX/XXXX. The gift card was delivered electronically at the same day and XXXX promised a 100-Day Guarantee for gift cards bought from them on their website. Upon receiving the gift card ( Card number : XXXX PIN : XXXX ), I checked the balance at XXXX. Unfortunately, I could not get the balance but just saw a sentence Invalid account number or the account is closed. Then I called XXXX XXXX customer service to figure out this issue. The customer service representative in the gift card department told me through the phone that the gift card was already used on XX/XX/XXXX and the remaining balance was redeemed on XX/XX/XXXX, long before I got it ( The phone call was recorded and is the strongest proof supporting my dispute, however, Discover does not allow uploading voice file. The file is attached here, hope it can be forwarded to them ). Instead of initiating a dispute immediately after I knew the gift card history, I emailed the support team on XXXX and got no response in three weeks. Then I submitted a claim ( # XXXX ) on their website stating my issue and requested for a solution on XX/XX/XXXX based on their 100-Day Guarantee policy ( Receipt of the claim is attached ). In their response of receiving my claim, they said the problem should be resolved within up to 21 business days from XX/XX/XXXX. I called the number provided on the email three days after submitting the claim to inquire the investigation process but nobody answered the phone. I kept trying to contact them through phone call and email after that but never got any response. The phone calls were always transferred to voicemail and no one called back yet. And I did not get any email response for my claim with the fact that 21 business days have already passed. With the failure of counting on the merchant to solve my problem, I filed a dispute on discover.com for this transaction with some documentations including the transaction receipt, gift card details, gift card history, balance check at neimanmarcus.com et. al. to prove the transaction invalid. The dispute has gone through a few up and downs in the past five months. My dispute was supported at first and got reversed because the merchant uploaded the transactions details, even thought the transaction details just said they sold me the gift card without explaining the most important fact that the gift card was already used before they sent it to me. After receiving the decision, I called the dispute center requesting for a reconsideration with some supplements including gift card inquiry to XXXX XXXX rtfraud department and self statement for this dispute. Unfortunately, my dispute wasnt supported eventually after the reconsideration process. I could not believe this and called Discover to continue the dispute. After reviewing all the documentations the merchant and I provided, the representative admitted that they made a mistake when making the judgement. However, Discover refused to correct their decision and stated they couldn't do anything more for me only if I could get documentation with refund entitled from the merchant even thought I told them the merchant is avoiding my issue and the bank is my last protection. There is no reason I should pay for Discover 's unfair judgement.
Company Response:
State: AL
Zip: 354XX
Submitted Via: Web
Date Sent: 2019-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I received an inquiry from an bank pertaining to my credit but I have never contacted nor spoken to anyone from the bank nor have I filled out any information online stating that I authorized anyone bank to pull my information and check my credit for any purpose. I was a victim of identity theft so this can also very be the same situation due to the fact of my information still being stolen. I received the notification via email through credit karma alerting me that there was an new inquiry on my credit report. In which my information was falsely used without authorization.
Company Response:
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2019-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-03
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/19 I used the online service with Discover to repay the remaining balance of my personal student loan ( in the amount of just over {$4000.00} ). While repaying the loan, the website crashed so my wife and I worked with chat support to start the online payment over again. While doing that, the program again crashed yet again - and we decided to call and speak with a representative in person. That person walked us through the repayment and notified us of the exact amount that would be withdrawn from our bank account to repay the outstanding balance of the loan. On XX/XX/19 we saw that Discover had ordered repayment of the loan in triplicate - they withdrew over {$12000.00} dollars from our account in three separate payments. We immediately contacted our bank and Discover. The bank confirmed that Discover had withdrawn the funds three times. I spoke directly with Discover representatives, who were able to determine that they had in fact made a mistake and requested the funds be withdrawn from our account three times. However, they informed me that they had a 3 day waiting period before I could even request a review of the payments. Additionally, a supervisor informed me that it would be up to 10 business days before a refund could be issued. Due to their mistake, my bank account was over drafted and payment to another bill " bounced '' due to a lack of funds in my account. Additionally, this has occurred over a holiday ( the XXXX of XXXX ) and thus, the waiting period is being extended by additional days. On XX/XX/19 I again contacted Discover to express my frustration. They again informed me that they could see the mistake, however could not issue a refund of the nearly {$9000.00} that they mistakenly took from our account until a minimum of 5 business days. I have spoken with supervisors and contacted my lending agency, without any recourse.
Company Response:
State: WY
Zip: 82070
Submitted Via: Web
Date Sent: 2019-07-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I applied for and was approved for a credit card. While i was waiting tio recieve my card in the mail, fruadulent purchases were made. Disover refueses to honor my claim. Please see attached document for further explanation. Thanks.
Company Response:
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2019-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-02
Issue: Other transaction problem
Subissue:
Consumer Complaint: I have {$240000.00} lost in the abyss as monies wired to Discover Bank were rejected due to the fact that they were sent to their international routing account. Information on Discover 's website states : When initialting an incoming wire, please includ-e your name and Discover Bank Account Number and wire to : -XXXX XXXX XXXX XXXX Routing Number XXXX That routing number ( which is shown in bold on their site is to their international account ) It took 7 phone calls and several hours to find out what had happened to my money. Beyond that, all they will say is " Sorry '' and the money won't go back to originating account for 5 business days. I was attempting to write an offer on a home yesterday but was unable to as I do not have " verification of funds '' and it will be next week before I do.
Company Response:
State: NM
Zip: 87109
Submitted Via: Web
Date Sent: 2019-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In XX/XX/XXXX, Discover request to make a verification and they required my driver 's license. But at that time I don't have a driver 's license. Therefore, I told them I can provide my passport, EAD card and other files that can prove my identity, yet they said they only accept driver 's license. It's weird because they didn't ask for it when I applied the card at the first time. I told them I won't be able to provide my driver 's license and even if I make an appointment at DMV to take the driving test, it will take several months to get the license. Then they just closed my account.
Company Response:
State: CA
Zip: 95112
Submitted Via: Web
Date Sent: 2019-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-02
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: On XX/XX/2017 I used my credit card for a friend that lives out of the country to pay a some type of fees on his timeshare account with XXXX XXXX XXXX XXXX XXXX XXXX ; Because his credit/debit card was declined due to his banking security issues and he was not able to use his own credit/debit card at that time, so I used my card for the transaction. That was the ( ONLY TRANSACTION ) I allowed to be made on my credit card and never signed any contract with XXXX XXXX XXXX XXXX. ; After a couple of months I was traveling in XXXX and tried to use my card for a small purchase and the transaction was denied, I figured that the transaction was declined because I was out of the country at that time. Once I arrived back to the United States I contacted my bank and logged in to my online account only to find out that there were several large amount charges from XXXX XXXX XXXX / XXXX on my credit cards, so I contacted my credit card companies and let them know that the transactions were not authorized by me, so they place a claim for the transactions. Everything seems to be fixed for a while but after a couple of months the charges were reversed back to my account and the bank issued me a letter stating that XXXX XXXX XXXX XXXX. XXXX. ; provided them with my authorization for the transactions when I did not. XXXX XXXX XXXX XXXX. XXXX. negligently and knowingly charged my cards without my authorization for their member/stockholder account because their member/stockholder credit/debit card would not go through for the transactions, so they charged my cards over and over. Without my authorization XXXX XXXX XXXX XXXX. XXXX. saved my card information on their system without notifying either myself or their member/stockholder. After and while looking up the company online I found similar situations, they are money hungry and their agents try and do anything to get money in no matter what even it it is to break law in every aspect. Now, I owe my credit card companies {$42000.00} not counting interests and my credit card companies only tells me to go to the police and nothing is resolved. Now the only choice I have is to file a law suit in Federal Court to recover the moneys they charged me because I can never pay this amount. This also have impacted dramatically my credit scores making it impossible for me to get a loan due to extremely high interest charges. Even more, myself and my partner have almost all of our accounts jointly and his credit has also been affected dramatically.
Company Response:
State: NY
Zip: 113XX
Submitted Via: Web
Date Sent: 2019-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A