Date Received: 2019-06-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XX/XX/XXXX a few days after my husband XXXX XXXX XXXX passed away I found a Discover card statement with a {$17000.00} balance addressed to me in my husbands email. I do not have a Discover card nor have I ever applied for one. I contacted Discover and they informed me the account did exist and it was applied for online in XXXX. XXXX at Discover told me their records show " he '' called in XXXX and added XXXX XXXX as an authorized user, their records also show Discover called XXXX ( husbands cell ) to verify XXXX was added as an authorized user. Discover quickly concluded fraud/ identity theft had not occurred although they had been emailing all the statements to my husband and had only his contact information on file. I also spoke to XXXX at Discover, she informed me I was responsible since there were utility bills from my residence charged to the card and I benefited from it. She also said I am responsible because I let my husband pay the bills and take control of the finances. I have asked Discover to send the statements to me so I can see what was charged to the card and they have not did that, they have only sent one statement showing the interest accrued. Discover has also told me I owe XXXX and another rep. said I owe XXXX
Company Response:
State: TN
Zip: 371XX
Submitted Via: Web
Date Sent: 2019-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-27
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: RE : Discover Card on XX/XX/XXXX for {$5500.00} ; XXXX XXXX XXXX I have tried to resolve this credit transaction with the appropriate credit card company. My attempts to get the matter directed to the appropriate Customer Service or XXXX XXXX Department have been ignored. I have supplied all appropriate documentation showing that XXXX XXXX was a Fraudulent XXXX Marketing Scam. To date the credit card company has not communicated with me other than a canned response letter referring me back to the collection agency. Nor will they send my request to a higher department dealing with Fraudulent Merchant transactions. The information below is a full and complete summary of the entire XXXX XXXX Scam of which the above complaint deals with only one of the six individual transactions which comprise the entire sum of XXXX XXXX purchases. FTC CASE : XXXX I was introduced to XXXX XXXX and their XXXX marketing and coaching program, when I attended a free introductory seminar at the XXXX XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX. As a result of attending their introductory seminar, the following training courses and lifetime coaching was purchased as detailed below. The XXXX XXXX XXXX charged at the XXXX XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX. Discover Card on XX/XX/XXXX for {$5500.00}. During the ensuing months of XX/XX/XXXX through XX/XX/XXXX, the training diminished significantly and their business coaching program was non-existent. Rather than a training program on how to establish, operate, or improve my business model commensurate of a business coaching program ; it instead morphed into a sales pitch for purchasing additional XXXX XXXX products, and services. Whenever they were requested to provide a syllabus or an outline of the next lesson plan, they were unable to give me one. This made me question their viability and business ethics. Upon researching my concerns regarding XXXX XXXX, I discovered the credit card companies considered XXXX XXXX, XXXX to be a high-risk merchant and conversely withheld approximately 30 % of my payments in reserve in case of fraud. It was then I discovered the FTC filed legal action against XXXX XXXX, XXXX and communication between XXXX XXXX, XXXX became non-existent. Upon reading FTC legal documents which state that the parties involved were required to turn over the names of all customers so the FTC or its agents could notify them. This included all customers using merchant service accounts. I never received notification of any type. In attempting to recover funds paid to XXXX XXXX, XXXX for lifetime coaching and training, I contacted all the above financial institutions via registered mail and have supplied them with information regarding the fraud, FTC legal actions, and court documents, but to date, there are no reversal or chargebacks of any fraudulent charges. In fact, these financial institutions do not want to communicate with me as a victim of fraud. Some have referred my accounts to collection agencies which can not clear my credit file nor reverse these charges as they claim only the primary financial institutions can reverse charges or correct credit file information detailing fraud.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-06-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-26
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Discover Credit Card - Minimum payments have been made for years but the balance does decrease. I have called numerous times either the representative has a hard time explaining or the explanation never makes any sense. Today XX/XX/XXXX I am on the phone with a representative who can not explain it and had to get a supervisor. When minimum payments are made Discover practices does not pay all of the interest with the payments. Then they take the unpaid interest and roll it back into the balance. Understanding it's a different rate for cash advances and purchases. One example ; they lowered our interest rate on XX/XX/XXXX ( without notice ). This sounds great but they create another account. They then apply the payment to the lowest interest first and lowest balance first. At times the interest is not covered for all so they add the rest into the current balance. Another practice is that at some point ( not sure when ) a lump sum interest charge is added. They state that since all the interest was not paid it required a lump sum interest payment. This was also added into the balance. My Grandmother is the original holder of this card and now I am secondary. This is a predatory practice.
Company Response:
State: VA
Zip: 22315
Submitted Via: Web
Date Sent: 2019-06-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-26
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: In the month ofXX/XX/XXXX, I contacted Discover Bank, in reference to an old debt I had with them aging back to XX/XX/XXXX. This debt occurred during the time my now ex-husband and I had just buried a child, he lost his well paying job, and it was a decision to pay either the light bill or my credit card bill from one income. However, in XX/XX/XXXXwhile speaking to an agent, I advised them I wished to pay my XXXX dollar debt. In doing so, I was transferred to a supervisor in the collections department. After speaking to the gentleman, he advised me that I could no longer pay the debt because it was charged off to a 0 balance and I was set to receive a 10-99C form in the mail, in which I did by the month of XX/XX/XXXX. After receiving that information, I made my loan officer aware of the situation. Months went by and my credit began to improve, but through another XXXX XXXX credit check in the month of XX/XX/XXXX, my loan officer noticed where I needed to pay Discover in order to get a credit rescore, to add a possible XXXX points. It was then that I reminded her, that paying discover could not happen due to the first failed attempt, and it having to be claimed as income, due to the 10-99 C form. She then advised me to contact them, let them know what's going on, and to request a letter from them stating the account was closed and charged off, in which Discover agreed to do, but the letter was never received via fax or through mail, as stated and agreed it would be. My loan officer then decided it was a good idea to call Discover, because they are reporting an unpaid balance to the credit bureaus, showing as if I could pay to clear it up. So on the evening of XX/XX/XXXX, my loan officer and I got on a conference call with Discover, attempting to resolve the issue. After being transferred through three different people, the third and final person, tried to explain the account would not show a zero balance as it wasn't paid off, however it was wrote off. He also began to state, that I could send a check voluntarily to show the zero balance, and to still file the 10-99C form because it wouldn't be retracted upon payment. My concern is simple, when attempting to pay, understanding it wouldn't be totally removed from my credit history, just the zero balance, I was advised of this write off and 10-99C form. I am now able to send in a " voluntary payment '' for a charged off account? How is that possible? Discover wants to not only still get their money, but are willing to not up front take the money, but " voluntarily '' take it, while still claiming the lost, and holding my points as they report this unfairly.
Company Response:
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2019-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-26
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: Basically there are charges on my Discover credit card from a fraud case I have made police reports reported it gone through an entire process and they keep rejecting it and claiming that the charges are mine and they keep saying that its not a fraud even though I have not made the charges I have on the card my bank is who made me aware of it I had no idea has not been resolved its been over one year
Company Response:
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2019-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-25
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Last year I called and asked Discover card if they would lower my interest fees so I could pay down my card. I explain that I was only working part time. They said they had a program that would allow them to lower the card interest for six months. When the six months were over, they doubled the interest fees. Basically defeating the lower interest rate they had given me to help me out. I only asking for help to pay off this bill. I have always made my payments on time. I've been a very good customer.
Company Response:
State: CA
Zip: 95123
Submitted Via: Web
Date Sent: 2019-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-24
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. The CFPB told me to file another dispute. 1. Discover asked me for proof of the merchant 's money-back guarantee. I sent it to them. They still did not resolve the billing dispute in my favor. Why did Discover ask for proof of the guarantee if that didn't make a difference? 2. Furthermore, 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 XXXX XXXX certified inspector. Why does Discover feel this false advertising is OK? I didn't get what I paid for. An XXXX home inspector has gone through training. 3. 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 XXXX of this issues in its reply, I will file the complaint as many times as it takes for Discover to address all XXXX issues.
Company Response:
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2019-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-24
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/XXXX, 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 10 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 ten 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 20 minutes. After 15 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 30 minutes to reply. It's like there is one person trying to service 300 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 20 - 30 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: 2019-06-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received {$1100.00} reimbursement check from XXXX XXXX XXXX sometimes in Mid XX/XX/2019. This is not the full amount. The full amount is {$1200.00}. It's {$120.00} less. According to the XXXX XXXX XXXX, the {$120.00} was used to pay itself under legal fee service. In other words, they stole my money, and then they charged me {$120.00} for stealing it. This is outrages. You have nerve. I don't care how you spent it. You took my money. You have to return it in full. Period. We are not done here. Give me back my money, now.
Company Response:
State: CA
Zip: 92626
Submitted Via: Web
Date Sent: 2019-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-23
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I need to file a complaint on behalf of discover card I received a pre approve credit noticed in mail so I applied for the card and got denied. the advertise information stated that I was approved I reached out to discover reconsideration line this morning to find out why the rep was so rude and nasty Saying whatever this whatever that this is a very unprofessional bank and the way you conduct business. I'm not the least bit concerned about getting an account with discover if the services is going to be this way. But however since discover sent in fraudulent noticed I asked that you delete that inquiry from my credit report. I'm not talking about the soft pull I'm talking about the hard pull please delete ASAP
Company Response:
State: MN
Zip: 55369
Submitted Via: Web
Date Sent: 2019-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A