DISCOVER BANK
Consumer Complaints
There are over 11723 complaints on file for DISCOVER BANK. Dated between 2019-12-12 and 2011-12-01.
Complaints Page 34
2019-07-31
Murray, UT
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Delay in processing application
Company Response: Closed with explanation
2019-07-31
Houston, TX
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Complaint: XX/XX/2018 this hard inquiry showed up on my credit that i have no responsibility of i filed to have it removed and no response i need to have it removed because it is hurting my credit
Company Response: Closed with explanation
2019-07-31
Wonder Lake, IL
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: On XX/XX/XXXX on around XXXX I have called customer service billing dispute to dispute a charge. The charge was for the item purchased on XXXX from the XXXX vendor and the amount was {$24.00}. After the long wait I was finally speaking with the representative who without warning put me on a very long hold and then subsequently the call was disconnected.
I called again and was informed that the dispute was not finalized. When I brought an issue of professionalism and respect by which cardmembers should be treated ( I am a cardmember in good standing since XXXX ) I was told that I will be transferred to the supervisor. The person who I was transferred offered variety of excuses and still didn't process the dispute as requested. Also I found out that the person being transferred to is not a supervisor. The third person on the call, and the fourth in the chain finally identified himself as XXXX and apologized for the issue however the dispute was not finalized.
Questions to the Discover Card : 1 ) Why its employees feel they can disrespect consumers such as this and why the dispute billing system is not capable to be handled in an efficient and timely manner?
2 ) Does Discover does this on purpose to have the people being discouraged to filing the chargebacks for items they ordered and never received?
3 ) If the call met or did not meet the Discover Card 's professional service standards can you please let me know what are?
4 ) What is the simple billing dispute charge have to be handled by two separate calls involving 4 people?
Very much looking forward to the response. Thank you, XXXX XXXX
Company Response: Closed with explanation
2019-07-31
Indianapolis, IN
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: Discover Financial Services, LLC date filed w/ court XX/XX/19 date satisfied w/ court XX/XX/19 amount : {$8100.00} status : Grid Code L : chargeoff case # Discover Financial Svcs. LLC of XXXX. DE XXXX Credit report court : Discover Fin Svcs LLC
Company Response: Closed with explanation
2019-07-31
Lansing, MI
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Company Response: Closed with monetary relief
2019-07-31
Foothill Ranch, CA
Other transaction problem
Money transfer, virtual currency, or money service: Domestic (US) money transfer
Complaint: I have talked to discover banks fraud unit about my certifcate of deposit and to my XXXX XXXX XXXX XXXX and to my XXXX XXXX XXXX also my XXXX XXXX and to XXXX XXXX and to XXXX XXXX and to XXXX XXXX and also to XXXX XXXX XXXX also XXXX and XXXX about my accounts and cds roths ira and home loans and i have been discrinated aginst a home loan and that my certifacates of deposits are not funded that my my accounts have been closed because the they were not funded as of today iam not able to recive any of my money or retain my ETFS or divideds are the mutraity of my envestments iam having financal hard ship and i am currently homles and have no others means to file this report and there has been other issuse with my credit report and overpayment to my chidsupport the county of orange says iam 180 days late but on my credit report it says i have been late in only 1 to 3 days late in past 7 to 10 years i belive my idenity has been stolen plus my mail and delivers of prouduct are be stolen i have not recived my credit cards either all of this in the past 5 years i have been comuncating with all financal instatuisons orders from google have been payed for and i have not receved payment or prouducts from these companys iam in need of help with these matters and thank you for your help sincely XXXX XXXX thank you
Company Response: Closed with explanation
2019-07-30
Las Vegas, NV
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Card was charged for something you did not purchase with the card
Complaint: Hello. I reported many charges as fraud early XX/XX/XXXX, most of them from XXXX. Discover CHANGED MY ACCOUNT number and removed the charges. I noticed early XX/XX/XXXX that the charges were added back, and advised them of several hundreds of dollars of more of the same type of charges. I called and found out that it was due to the auto updater MasterCard uses. The agent told me he then placed a block on this merchant to stop the charges. Why wasn't this done in the first place? I said they were fraud. They also sent compelling evidence that the charges were from my son in my apartment. I do not have it with me to tell the specifics, or upload the docs they sent, but in the docs, it DID look to be me. However it was not. Please see prior complaint filed with Discover online for the details. All the evidence was correct info, but not current. The email info differed, as did the screen name and billing details. They had old information mixed with the new. The location of the IP address showed me. I am in an apartment complex and can see the wireless around me, so I'm assuming someone hacked into the XXXX. Something. Not sure. Regardless, the first time I reported the charges were not mine, and they changed my account number should have ended the charges either way. No one told me that they would come through on the new card as well. XXXX has been unable to locate any information whatsoever to assist me.
Company Response: Closed with explanation
2019-07-30
Charlotte, NC
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Card opened as result of identity theft or fraud
Company Response: Closed with explanation
2019-07-30
Chula Vista, CA
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Complaint: I recently received my XXXX credit report # XXXX dated XX/XX/XXXX and it shows the following hard inquires : DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX and DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX.
I do not recall giving authorization for these inquiries. I also do not have any open or current accounts associated with these inquiries. Please delete these inquiries immediately from my credit report. Conversely, if you do have documented proof with my signature of authorization of these inquiries please sent me a copy of such within 14 days.
Thank you.
Company Response: Closed with explanation
2019-07-30
Milwaukee, WI
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: Discovered closed acct with out my consent and for no reason. After attempting to make pmnt thru bank. Pmnt returned due to funds not avail yet. I tried to remake payment they stated acct closed!. I asked why?. They said over limit!
I said thats no reason to when ive made several pymnts since i received card.
Company Response: Closed with explanation
2019-07-30
Shirleysburg, PA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with customer service
Complaint: My problem started last year with Discover ( XXXX ) but since they cant seem to find the record of the conversation I had with them, there is nothing they can do about it. So they say. It was about lowering my interest rate. So now it brings me to the more recent problem, which is again, about my interest rate. On XX/XX/XXXX at XXXX I sent a message asking what my interest rate is, ( I have screenshots of everything ) On XX/XX/XXXX XXXX I received the following messages, Hi, Im the Discover Virtual Assistant! If I cant answer your question, Ill connect you with to a live agent. The very next message I got was XX/XX/XXXX at XXXX, Your current purchase APR is 20.24 % variable. You can also find the APR on your statement. Simply tap the menu in the upper left, then Account, then Statements and choose the most recent month. I then replied on XX/XX/XXXX at XXXX, How do I lower it? Or do I just have to switch credit card companies? on XX/XX/XXXX at XXXX I was connect to a live agent and received the following message, I definitely understand how important it is to have a comfortable rate. Id be happy to reduce your standard APR of 20.24 % to a 17.49 % variable on new purchases. Is this something youd like to get set up now? On XX/XX/XXXX at XXXX I responded with, Sure. Thank you. On XX/XX/XXXX at XXXX the live agent responded with, No problem! The rest of the conversation is irrelevant ; however, I am posting pictures of the entire conversation. XX/XX/XXXX I called into discover because I saw an interest charge of just over {$25.00} and I know that number wasnt correct, given the new interest rate. When I called, I was told that the agreed upon amount was 18.49 % not 17.49 %, and that this kind of thing happens often. I explained to the girl that I have proof that we agreed upon 17.49 %. She didnt budge and told me in the notes it says 18.49 % and she even called over to the messaging center that I spoke with and they said they were showing 18.49 %. I took the 18.49 % change and was refunded my interest rate. I figured, maybe I was remembering it wrong, so as soon as I hung up, I checked the messages, and found that I did agree on 17.49 % NOT 18.49 %. I call back, and get a very helpful lady on the phone. But, I also go back to messaging Discover. On XX/XX/XXXX at XXXX I sent the following message to Discover, I just got off the phone with someone because when I messaged you guys on XX/XX/XXXX you told me you could lower my APR to 17.49 % and you never lowered it. Now she said when she called over to you guys you told her we agreed on 18.49 %. I can see the message where I was told 17.49 % please fix this and I would like a confirmation email that my APR has been lowered. On XX/XX/XXXX at XXXX I was transferred to a supervisor. I received the following message on XX/XX/XXXX at XXXX Hello ( My name ), I do apologize for this inconvenience in the difference between the reduction rates to your APR. I understand how important it is to get the lowest rate possible. After reviewing the messages weve had with you, I see on XX/XX/XXXX is when the option was presented however we did not receive a response from you until the following day meaning it was a new conversation when dealing with the APR we would be starting over in covering the offer. On XX/XX/XXXX you chatted with out automated system and you were asking about a possible lower option as you had offers from different banks. We still never got back to covering the offer and getting it accepted. Since then we didnt have contact till today when you called, given the time that has passed not all offers are the same from the day given this would be the reason as to why the reduction changed by a percentage. I know this is flustering in thinking a promise wasnt kept but due to not having your answer in the same day we were not able to accept the reduction on that day for you. Now the best option I have available as I see you did not accept the offer provided today. I can offer you a 0 % APR promotion for future transactions this would mean you have your APR reduced while getting a 0 % promotion for 12 months then after expiring you have the reduced APR. Would this be more to your liking? Now, Earlier on the phone I was told that I agreed to 18.49 % according to the messages that they reviewed, now he is telling me that I never accepted anything? Which is it, did I accept an offer or did I not respond? Also, when you do the messaging center, you talk with the automated thing first, so when I was talking to a person it was very clear to me that I was, in fact, talking with the same girl that offered me the lower APR to begin with. When I accepted the rate she even replied with, Sure!.
After this whole ordeal I was told that my complaint would be sent to HQ. I never heard anything from HQ, so again, I go to the messaging center and they will not give me any contact info what so ever. I want to make sure that nothing is covered up and that my issue was in fact sent to the appropriate people, but since I cant confirm that, I have been letting everyone know how dishonest this company is. It is the sole reason that my husband will not open up a credit card with them and we will not be opening any other accounts with them.
My name in the screenshots are covered for privacy.
Company Response: Closed with explanation
2019-07-30
Ny City, NY
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: COMPANY CREDIT CARD : DISCOVER PROBLEM : PAYMENTS WITH PAYMENT PROGRAM REGISTRATION DATE OF PAYMENT PROGRAM : XX/XX/2019 ; RECEIVED CONFIRMATION LETTER FROM COMANY.
STATUS : ACTIVE AGREEMENT : PAYMENTS:1-4 : {$96.00} PAYMENTS 5-12 : {$80.00} PAYMENTS COMPLETED : PAYMENT 1-XX/XX/2019 and 2-XX/XX/2019 for XXXX.
PROBLEM EXPERIENCED : I WAS TOLD BY REPRESENTATIVES AT THE TIME I SIGNED UP FOR THE PAYMENT PROGRAM I COULD PAY MORE THAN THE SCHEDULED AMOUNT TOWARDS MY BALANCE DUE. THE AMOUNT PAID WOULD BE ACCOUNTED AS MY MONTHLY PAYMENT. HENCE, FOR MY XX/XX/2019 I MADE AN INTERNET PAYMENT OF XXXX. MY EXPECTATION FROM WHAT I WAS TOLD IS THAT IT WOULD BE ACCOUNTED FOR AS MY SECOND PAYMENT. IT WAS NOT ACCOUNTED AS THE SECOND PAYMENT. INSTEAD, THE DISCOVER PAYMENT PROCESSING SYSTEM PROCESSED THE XXXX AND THE SCHEDULED PAYMENT OF XXXX. AS A RESULT, IT PUT MY CHECKING ACCOUNT INTO OVERDRAFT. I CONTACTED DISCOVER AND XXXX XXXX XXXX IN REGARDS TO THE PROBLEM. DISCOVER REPRESENTATIVES SAID THEY WOULD RETURN THE FULL AMOUNT OF XXXX TO MY XXXX XXXX CHECKING ACCOUNT AND KEEP THE SCHEDULED PAYMENT OF XXXX. THE XXXX XXXX REPRESENTATIVES SAID THEY WOULD REFUND MY OVERDRAFT FEES ONCE THE BANK RECEIVED THE XXXX. ON XX/XX/2019, I RECEIVED XXXX FROM DISCOVER. I CONTACTED DISCOVER IN REGARDS TO THE MATTER. SINCE I WAS STILLDUE A REFUND OF XXXX FOR THE BALANCE OF XXXX. DISCOVER REPRESENTATIVES STATED THEY HAD RECALCULATED AND CHANGED THE AMOUNTS WHICH DIFFERED FROM THE PAYMENT AGREEMENT. FURTHER, IT DIFFERED FROM WHAT WAS STATED IN THE LETTER FROM DISCOVER.THE LETTER STATED THAT FEES WOULD BE ACCOUNTED FOR AT THE COMPLETION OF THE 12 MONTH PROGRAM. I EMAILED AND CALLED MANY TIMES TO REVIEW THIS INFORMATION WITH A SUPERVISOR. SEVERAL OF MY EMAILS HAVE NOT BEEN ANSWERED. I HAVE BEEN PUT ON HOLD SEVERAL TIMES WHILE TRYING TO GET IN CONTACT WITH REPRESENTATIVES FROM THE DELAWARE AND OHIO DISCOVER OFFICES TO GET THE REFUND OF XXXX SO THAT XXXX XXXX CAN REFUND ME THE OVERDRAFT FEES I WAS CHARGED. AS OF TODAY XX/XX/2019, I WAS INFORMED BY ONE DISCOVER REPRESENTATIVES THAT THE ACCOUNTING SYSTEMS DIFFERED FOR DISCOVER. I WAS TOLD THAT THE SCHEDULED PAYMENTS WOULD BE CHARGED TO MY ACCOUNT UNTIL THE PROGRAM WAS COMPLETED. I REVIEWED WITH REPRESENTATIVE ISSUES REGARDING ADDITIONAL AND ADVANCE PAYMENTS. THE REPRESENTATIVES CONFIRMED THAT THE DISCOVER PAYMENT PROCESSING SYSTEM WOULD NOT RECOGNIZE ADVANCE OR ADDITIONAL PAYMENTS. FOR EXAMPLE, THE DISCOVER SYSTEM WOULD NOT RECOGNIZE THREE MONTHS OF ADVANCE PAYMENTS. IT WOULD STILL PROCESS PAYMENT 1. THE REPRESENTATIVE DID NOT CLEARLY CONFIRM IF ONE MADE ADVANCE OR ADDITIONAL PAYMENTS, THAT THE DISCOVER PAYMENT PROCESSING PROGRAM WOULD STOP ONCE THE BALANCE WAS PAID IN FULL.THESE ISSUES CONCERNED ME GREATLY AS A CUSTOMER.
SERVICE PROBLEMS : REPRESENTATIVES DO NOT GIVE A LAST NAME, ID NUMER, DIRECT CONTACT OR EMAIL FOR FOLLOW UP.EMAILS ARE NOT ALWAYS RESPONDED TO IN REGARDS TO ISSUES REPORTED. TELEPHONE CALLS ARE PUT ON HOLD AND TRANSFERRED MULTIPLE TIMES. MANY TIMES I WAS NOT ABLE TO SPEAK WITH ANYONE REGARDING ISSUES REPORTED.
PAYMENT PROGRAM : I AGREED TO PAYMENT PROGRAM TO MAKE SURE BALANCES PAID AND ACCOUNT CURRENT. THE AMOUNTS CALCULATED WERE MADE BY
DISCOVER AS PART OF THE PROGRAM. AND ARE DOCUMENTED IN PENDING PAYMENT PROFILE. AMOUNTS SHOULD NOT BE CHANGED BY DISCOVER SERVICE REPRESENTATIVES. WEBSITE PROBLEMS : OP
ENING PROFILE PAGE DOES NOT DOCUMENT NEXT PAYMENT PROGRAM AMOUNT DUE. DOCUMENTS ANOTHER MINIMUM PAYMENT AMOUNT. CUSTOMER NOT SURE WHAT IS BEING PRESENTED. PAYMENT PROGRAM PROFILE NOT UP TO DATE.
I AM GREATLY DISSATISFIED WITH THE SERVICE GIVEN REGARDING THIS MATTER. I WANT TO BE REFUNDED THE XXXX THAT IS THE BALANCE OF THE XXXX. I ALSO FEEL THAT DISCOVER NEEDS TO REVIEW SERVICE AND PAYMENT PROCESSING SYSTEMS.
Company Response: Closed with monetary relief
2019-07-30
Foothill Ranch, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Dear cfpb This is my second letter to FTCB regarding the fraud account that was opened and also the research that was considered by the Associates of Discover bank AND XXXX XXXX ) executive office ) I have received a letter from Discover stating the reasoning I am liable for the fraud account and I would like to address some of the concerns that was put on the letter.
For records I have attached the record with my FTCB complaint, this letter is also being transferred to the 3 credit bureaus, with affidavit of fraud notarized and signature of law enforcement officer are also obtained on the affidavits.
I spoke to Ms. XXXX XXXX on XXXX XXXX, this was after I have called her office 3 times and left 3 voice messages, then I had to speak to some other gentleman to whom I demanded to speak to XXXX XXXX because she would not call me back and the letter clearly stated to call if any questions. I demanded Executive office to have XXXX XXXX call me back or I will file another complaint.
When I spoke to Ms XXXX XXXX her reasoning behind making me liable for the fraud account was very vague and had no solid backing or evidence. She told me that she needed more information about the case, so far I have provided the office with my passport stamped with TSA rubberstamps stating I have left USA during the time when the account was opened, I offered XXXX XXXX my passport via certified mail because she can verify the TSA stamps stating that I have left USA, and also the immigration stamps when I arrived in XXXX, AND also when I left XXXX. Ms. XXXX XXXX chuckled ( mimicked ) at me stating that she does not require my passport as she already has the photocopies I have sent to her. Until now I have spent over {$40.00} in fax money at XXXX, only to be told by discover they will look over the evidence and let me know in 30 days Discover and its associates are not taking my evidence into consideration, I also offered XXXX XXXX to make a 3 way call to the officer assigned to my fraud case, again I heard an chuckle like she is mocking or mimicking me. Her attitude on the phone was very impolite and un-professional. I am asking for help and all she tells me to send more documents so they can look at it. Discovers associates has made me waste over {$40.00} in fax documents that I have sent, only to be overlooked and not to be taken into consideration regarding my fraud case. I really wanted to talk to Ms. XXXX XXXX and the officer of the law working on my case Lt. XXXX of the XXXX Police Department I also XXXX XXXX copies of fraud testament from my bank, that my account was compromised and used to make payments on the fraud account, AGAIN MS XXXX XXXX IS MOCKING AND MIMICKING ME. My XXXX XXXX XXXX confirmed fraud and has issued me new checking account numbers I believe that the investigation that was done by discover was very ONE-SIDED, with my evidence not being taken into consideration. I have send discover affidavits from the IRS that my tax documents were compromised to open to the fraud account.
Following are the questions XXXX XXXX stated on the paper, and I believe is wrong because the team of Discover and herself have made up their mind that I opened the fraud account, even after providing sufficient evidence, they keep telling me to send more so I can waste even more money Ms XXXX XXXX stated that around XXXX she received documents to help open the account, those documents were locked inside my room, XXXX XXXX barged into my room and stole my documents to open the fraud account with Discover About the XXXX XXXX transaction I have never in the country so I had no idea about the transaction, BUT I DID CALL XXXX TO VERIFY IF AN ORDER WAS RECEIVED HERE ON THAT DAY OF XXXX XXXX. I HAVE WRITTEN TESTAMENT FROM THE DRIVER THAT MY ROOMATE XXXX XXXX HAS SIGNED THE PACAKAGE, I TOLD THIS INFORMATION TO DISCOVER ASSOCIATES AND XXXX XXXX, AGAINT THEY OVERLOOKED THE INFORMATION, THEY HAVE MADE UP THEIR MIND PRE-JUDGEMENTAL THAT I OPENED THE FRAUD ACCONT. WHAT IS NOT RIGHT is that discover backs up their customer with 100 % fraud help. I have XXXX drive testament that the package was delivered to my roommate XXXX XXXX.
XXXX PD report says printed date of XX/XX/XXXX because that is the day when the forms were executed to be standardized for all police reports for the fiscal year of XXXX. This information can be verified with XXXX PD dispatch. AGAIN, I OFFERED XXXX XXXX TO MAKE AN 3 WAY WITH THE INVESTIGATING OFFICER. SHE REFUSED. I NEED REASONING WHY BECAUSE THE ACCOUNT IS FRAUD AND U ARE MAKING ME LIABLE It was also said that I said 2 different boarding passes, and that is because my flight was canceled. I used my email to receive all information and at that time, my desktop computer in my room was again COMPROMISED, when I came back to the USA my computer was missing altogether, there was nothing here, missing computer was reported in the police report summary and also told to discover associated. I TOLD DISCOVER THAT MY COMPUTER WAS STOLEN AND MY EMAIL WAS HACKED. The kp ACCOUNT that was used to email the documents was again hacked because that is my work email, and my account can be accessed through my computer. My roommate stole my desktop and had access to many of my documents and banking websites. I even had to incur fraud tax reports for the year of XXXX According to the letter it states that within 3 minutes of credit card being activated and fraud transaction with XXXX was made, this is an exact indication of fraud, AS I WOULD NEVER PURCHASE SOMETHING 3 MINUTES AFTER OPENING THE ACCOUNT AND CAUSING MY SELF DEBT I CAN NOT AFFORD. I RECENTLY LOST MY MOTHER, AND I CAN NOT AFFORD JEWELERY. Again XXXX driver confirmed and I have written testament that I was not here the day of XXXX XXXX WHEN DISCOVER STATES THE ITEMS WAS DELIVERED My XXXX phone was also locked in my room, since in XXXX I can not afford roaming. I send letters to discover showing that my sprint phone had been hacked, there were several numerous applications that were downloaded and I was left with an immense bill of {$980.00}. THE XXXX INFORMATION WITH MY MOBILE PHONE NUMBER NOTED WAS PROVIDED TO DISCOVER SHOWING IDENTITY THEFT AND COMPROMISED, IT WAS STILL OVERLOOKED. At XXXX XXXX my roommate had possession of the phone, and IN NO WAY I WILL BE XXXX TO WRITE MY PHONE NUMBER ON THE CFPB REPORT IF I KNOW I DID THE CHARGE, THAT I XXXX, I TOLD YOUR ASSOCIATES MY PHONE WAS STOLEN FROM THE FIRST DAY, STILL YOU GUYS DONT TAKE IT INTO CONSIDERATION. AGAIN I CAN PROVIDE AGAIN FRAUD AFFADAVITS FROM MY XXXX ACCOUNT CONFIRMING FRAUD XXXX XXXX XXXX account was made to make fraud credits to the discover account. I FILED AN FRAUD AFFADAVIT WITH XXXX XXXX XXXX, AND THEY APPROVED MY CLAIM. I OFFERED TO PROVIDE THIS INFORMATION TO XXXX XXXX BUT SHE DID NOT SAY ANYTHING.
The investigation that has occurred with discover and its associates is beyond an nightmare, after leaving to XXXX because my mother was sick and my arrival back to the US to find that my roommate has stolen my belongings and credit it was very dis-heartening. I have provided a lot of evidence to discover only to be not taken into consideration, being mocked and laughed by customer care and not being taken serious. I will send these documents and notarized affidavits signed in front of law enforcement to the three credit bureaus.
In no way under XXXX I will pay for fraud account, this is an major violation of my personal information and the rights under California fair credit reporting.
Discover has failed to take my evidence into consideration making me liable for the fraud account, I am willing to hire an attorney and all court costs to take discover to court. i WILL SEND ALL NOTARIZED FRAUD AFFADAVITS TO THE 3 CREDIT REPORTING AGENCIES WHICH ARE ALSO SIGNED BY LAW ENFORECEMENT.
I HAVE ALSO SINCE MOVED TO AN NEW ADDRESS WHERE DISCOVER SEND ME LETTERS ; I MOVED FROM XXXX XXXX SINCE THE FRAUD OCCURRED BECAUSE I AM SCARED OF MY LIFE FROM MY ROOMATE Sincerely, XXXX XXXX XXXX.
XXXX
Company Response: Closed with explanation
2019-07-30
Las Vegas, NV
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Personal line of credit
Company Response: Closed with explanation
2019-07-30
IL
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: I have had all of my student loans with discover. The first issue was they keep saying that they will consolidate my loans and they never do. This last month I was locked out of my account. The only way to reset your password is to input your date of birth, social security, and email. I have made sure all of those things are correct and every time it says my information is wrong. The month before I had to call them to make my payment because any time I tried to do it under my account it wouldnt process the payment. The month before that they said they couldnt take the payment online or over the phone so I was required to send in a check. The month before that I couldnt make my payment online and I called customer service and they said they couldnt access my account so the would send it to their investigation team. The month before that is when I started having issues with them. I think this started in XXXX. But even though they had claimed to send it to someone that would fix it, it was never fixed. So now there are months that I have had late payments effecting my credit and also my cosigners credit. This issue has been a nightmare.
Company Response: Closed with explanation
2019-07-30
Boston, MA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: 2 Loans Opened for supplemental funding of XXXX Studies : Loan 1 : {$6200.00} ( Paid in full XX/XX/XXXX ) Loan 2 : {$2800.00} ( Paid in full XX/XX/XXXX ) As of XX/XX/XXXX my credit report still shows the following debt : Account # : {$6200.00} Account # : {$2800.00} I have taken out multiple loans with this incorrect debt impacting my credit score and available interest rates. Discover has been reporting invalid debt for over 4 years.
Company Response: Closed with non-monetary relief
2019-07-29
Shoals, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: On XX/XX/ 2019, I got a notification from my ID protection with XXXX that an inquiry for credit with Discover card had been made. I never applied for credit with Discover. I immediately called Discover, which cancelled the application. They sent me a letter stating they will request the credit agencies to remove the inquiry. After several more calls to the credit agency and Discover the inquiry has not been removed. Discover and the credit agency is blaming the other for it still not being removed. XXXX and XXXX are the only two showing the inquiry. XXXX state they do not accept inquiry disputes from consumers. They refuse to accept the letter Discover Card sent to me. As of today, XX/XX/219 I'm continuing to have an issue with this, I'm ready to buy a car but the inquiry is causing me to be one point from getting a top tier interest rate.
Company Response: Closed with explanation
2019-07-29
Schdy, NY
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Can't use card to make purchases
Company Response: Closed with explanation
2019-07-29
Davie, FL
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with customer service
Company Response: Closed with explanation
2019-07-29
Nyc, NY
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: I was a victim of fraud and I informed my credit card company of the fraudulent charge made on my account XXXX months ago. I then petitioned them for a full refund after said investigation providing them a copy of the police report in which the whole case is laid out. After providing them with everything they requested they refused to investigate and remove the fraudulent charges from my account. This has impacted my XXXX XXXX greatly and my ability to pay my bills.
Company Response: Closed with explanation
2019-07-29
Corona Del Mar, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Closed with non-monetary relief
2019-07-29
Cedarburg, WI
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: This complaint relates to my Discover card. I pay this card online, and have for several years. This is intended as a way to insure that the payment is received on time. I am not dependent on the US mail to deliver a payment by the due date, and for the most part this has been successful.
However, the payment made by phone for the month of XX/XX/2019, which was made on time and as I have made every other payment on this account, was recorded by Discover a day AFTER the deadline, causing a late fee. The payment was made on XX/XX/XXXX ; however, Discover processed the payment on XX/XX/XXXX, causing a {$28.00} late fee to be assessed to my account. This is unacceptable.
I am also concerned that this malicious action on the part of the Discover card may have additional detrimental consequences, including an increase of the interest rate I am charged on this card, as well as a negative effect on my credit rating. These must be reversed, in both cases.
Company Response: Closed with monetary relief
2019-07-29
East Rockaway, NY
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Card opened as result of identity theft or fraud
Company Response: Closed with explanation
2019-07-29
Lewisville, TX
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Card opened as result of identity theft or fraud
Complaint: Discover Bank, Was notified several months ago that I was a victim of identity theft. Discover allowed a Fraudulent Application to be processed in 2015 from a thief online to open a Credit card. After they allowed this thief to open the account, they allowed the thief to continue using the card and to make payments to the account as well. I notified DiscoveXXXX immediately as soon as I saw this on my credit report that the account was fraudulent, I did not apply for this product and that I have notified the credit bureaus. Thus why I have Extended Fraud alerts on my credit bureau reports, For 7 years. I have security freezes as well now. When I advised Discover that the application was fraudulent. Discover closed the account, and re opened a new card. Where they sent the new card I have no idea because I never obtained it, Again I called discover to let me know that I did not receive a card and that the APPLICATION was fraudulent the whole account is fraud not transactional fraud.Instead of Investigating my report again and Identity Theft Affidavit which I sent them from Law Enforcement and From the FTC, Discover decided to advise me that I would be at fault for an account again I never obtained and that they sent it to a fraudulent address. Everytime this has been reported to discover they continue to close the account and reopen it with new numbers to re add it back to the credit bureaus. Instead of following FCRA Laws 603 ( b ) as I am consumer and a victim of identity theft. A thief obtained and applied for this product that I did not authorize. I recently called discover again to ask about this after my last complaint and I am told now that they have verified with " Law Enforcement '' That I am liable for the fraudulent account. When I asked what Law Enforcement Agency they spoke with and the Officers Name / Badge Number they would not provide this information to me, because again their Customer Protection Department is a sham and they do not investigate real actual Identity theft. So again they are lying. They Recently opened the account AGAIN with another number and put it on my XXXX report. I will continue to have this account blocked, no matter how many times you change the account number because the account is FRAUDULENT. NOT AUTHORIZED. Opened from a Thief that you sent a card to a fraudulent address that didn't even verify to me. Again Discover is very shady in how they handle Identity theft, and they refuse to remove my liability from a fraudulent account I have never obtained, nor even knew who opened it. WITH STOLEN ID.
Company Response: Closed with non-monetary relief
2019-07-29
Asheville, NC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation