Date Received: 2019-06-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I've never been late on my discover credit card i've talk several times and was informed Ive never been late but the problem has not been fixed this is hindering me from getting my home.
Company Response:
State: TX
Zip: 75071
Submitted Via: Web
Date Sent: 2019-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment on XX/XX/19- I have the prrof of the call on my call log- I also have a confirmation number at home- however I am currently out of town on buisiness. I went to a resturant for my lunch and after my meal my card was declined. I called and asked why the card was not approved and they said my payment was past due- I advised I made a payment and they asked if it went through my bank account- after checking I said it did not. They said if I made a payment I could make my account active. I made a {$350.00} payment over the phone and they said my account was still unfortuently locked and that I would not be able to use my card for 24 hours until it cleared. I have been out of town for work and they are leaving me stranded with no money. I have been an excellent paying cutomer for 2 years with payment on time every single month and there is nothing they can do to help when their system caused the issue. I am not a fan of discover and I will be sure to let everyone know how bad their customer satisfaction is -- especially for a one time occurance. And not to mention the " missed payment '' is 4 days " late '', so not being able to unlock this acocunt that has always been in good standings is a little excessive.
Company Response:
State: MO
Zip: 63090
Submitted Via: Web
Date Sent: 2019-06-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-06
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 have had my Discover card stolen from me while I was shopping at the XXXX XXXX XXXX XXXX XXXX, located in XXXX, CA on XX/XX/2018. Discover was notified as soon as the loss was realized - basically next day -Police report - XXXX # XXXX - was filed later ONLY because it was expected that Discover would keep the promise to always support its LOYAL customer -Police detective called Discover to confirm the report filed -Copy of the police report was sent to Discover. Discover said that they will hold me accountable for the charge and refused to treat this as credit card fraud. Furthermore, they reported me to the credit bureaus for disputing the account. After months of calling and trying to get this resolved, they told me they wouldn't do it.
Company Response:
State: CA
Zip: 92128
Submitted Via: Web
Date Sent: 2019-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-06
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/2019 I made a payment of {$1900.00} on my Discover credit card that resulted in a balance of XXXX. After the payment processed I made multiple purchases between, XX/XX/2019- XX/XX/2019, that totalled {$910.00}. Today, XX/XX/2019, while attempting to make a purchase at a XXXX. My credit card was declined and I learned that my credit limit was unknowingly decreased from {$2000.00} to {$500.00}. I proceeded to contact Discover and a representative informed me that notification of the decision was being mailed out to me. This presents a problem, as I'd already made purchases that exceed the amount of my new credit limit prior to it having been lowered. Additionally, this results in my revolving credit usage percentage for this card now being around 200 %. Which negatively impacts my credit score and report. I am very upset by this. Had they'd made and communicated the decision to lower my credit limit upon me making my last payment. I would have refrained from using the card. I feel that everything was processed and communicated poorly.
Company Response:
State: MI
Zip: 48207
Submitted Via: Web
Date Sent: 2019-06-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-06
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Company would not offer refinancing unless credit was perfect or never missed payment. Any logical person would know If payments were affordable there would be no need to refinance. Also Variable interest lending to a XXXX year old student desperate to receive an education is just not right. It is almost predatory. I will accept the responsibility of being a uninformed borrower. But the simple fact I can send money and pay but never pay the loan down if i miss a $ 700+ payment is utterly ridiculous. Which means company will collect thousands of dollars and say I owe more. This ruining my life and the life of others. This preventing many people from being productive citizens.
Company Response:
State: TN
Zip: 37214
Submitted Via: Web
Date Sent: 2019-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-06
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: New Complaint. I had a credit card with Discover Financial Service with Cash back rewards for purchase! Discover NEVER gave me any of the promotional and contractual cash back rewards!
Company Response:
State: MI
Zip: 48322
Submitted Via: Web
Date Sent: 2019-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On or Before XX/XX/2019 Discover Bank wrote me a letter telling me someone, open up more than ( 4 ) accounts in my name : XXXX XXXX XXXX and the Discover Bank, had investigated, and still investigating this case of Fraudulent and this is my ( 2 ) Identity Theft And it took me ( 10 ) yrs for my first Identity Theft case with someone @ XXXX @ North Carolina.
Company Response:
State: IN
Zip: 46254
Submitted Via: Web
Date Sent: 2019-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I was set up for autopay with Discover because I was promised a lower rate and payment when I came off of the hardship program. I came off of the hardship program and not only did my rate and payment not lower, they also suspended my account. I called on XX/XX/19 and advised them that I was removing the autopay from the account and I physically took my bank information out of their website so that they couldn't pull the payment. So, I told them verbally on the phone and then removed my bank account info from the account. My payment is not due until XX/XX/19 and apparently they started pulling my payment as soon as I said I was cancelling the autopay. they pulled the payment without my consent or knowledge and over drafted my bank account. I called to have them reverse it and they refused. First they confirmed that I did cancel on XX/XX/19 and transferred me to another department who either wasn't in yet or just didn't answer the phone because my call was disconnected. When I called back, they had changed the notes in the system and said that I called on XX/XX/19 to stop the autopay. I explained that I called on XX/XX/19 and asked that they return my payment to my account along with the XXXX overdraft fee that they caused. They stated that due to the notes made by the person I spoke to on XX/XX/XXXX, they could not return my payment, I asked what notes could that be since I flat out told them DO NOT PULL MY PAYMENT I AM CANCELLING THE AUTOPAY. All he could do was repeat that they would not return the money to my account even though my payment is not due until XX/XX/19. They stole from me in my eyes. They took a payment when they were told in no uncertain terms that they were not authorized to take. And then they changed the " notes '' in their system in order to back themselves up. I want my money back and I honestly would like theft charges filed against them.
Company Response:
State: OH
Zip: 44135
Submitted Via: Web
Date Sent: 2019-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX on XXXX XXXX XXXX XXXX XXXX, MD XXXX is running a scam where they tell customers they will pick up their vehicle from autobody shop, they let the car sit for days and charge you for those days of car sitting there. Office doesn't pick up phone when you call, it rings off the hook. XXXX XXXX customer service is just as bad, I had to initiate disputes twice with them but no one ever reached out to me to investigate ask for supporting documentation which I absolutely have. Reviewing XXXX reviews of this location there are all 1 star reviews with several attesting to same issues of being charged for days car sat in lot and no one picking up phone ( I included screenshots of 3 such similar complaints which are dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, which shows this fraudulent behavior is gross and ongoing for years ( Text copy and pasted below, as well ). I filed a XXXX report. Snips of reviews from here : https : XXXX XXXX former reviewer : 1.0 star rating XX/XX/XXXX To begin with it took me hold for 30mins to make arrangements to be picked up at the collision center. I only went with them because the insurance company made me. The have the worst service ever. I was told I could drop the car off at the dealer and they would pick it up. They didn't pick the car for another two days which cause me to be charged an additional {$100.00}. former reviewer : 1.0 star rating XX/XX/XXXX I had arranged a month in advance to have a rental car when dropping my car off for repairs. I called them two days in advance to confirm the pick-up time. On the day I dropped off the car, there was no car and they did not pick up my calls after multiple attempts. Apparently this is a recurring incident with them, and I don't understand how they stay in business with their horrendous customer service. former reviewer : 1.0 star rating XX/XX/XXXX I've been trying to call XXXX Customer Service to find out if they have a drop off box ( the answer will impact my work day ) and nothing. I've been calling since XXXX ; my boyfriend has been calling since XXXX ; my brother has been calling since XXXX. It's now XXXX. No one has picked up. There is no voicemail. It rings and rings and rings ... ..am I to assume we can keep the car? Terrible customer service. TERRIBLE! I thought they would be different since they recently ( very recently ... the address is no longer XXXX XXXX XXXX ) moved location to a bigger lot, but it's all the same. They never answer the phone ; they never have the car you sign up for and they keep you forever when you're there because they have to clean the car for you. I honestly think only one person works there. This was the last time. I'm going with XXXX next time. No longer going to bother, but you better believe I'm not paying any additional charges, if they put them on my bill. I dare someone to contact me or respond here. Get your reps to answer the phone ; you're not that busy. This is a joke! I've been calling for over 5 hours ( currently on the line ... ring ring ring ring ).
Company Response:
State: MD
Zip: 21234
Submitted Via: Web
Date Sent: 2019-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The following companies pulled my credit without my consent. I have no knowledge of these inquiries. I am to receive a call from any company before pulling my report. Please assist in removing Information XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XXXX XXXX, XXXX Travel/Entertainm DISCOVER BANK XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX and XX/XX/XXXX and XX/XX/XXXX 4
Company Response:
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2019-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A