DISCOVER BANK

2019-05-26

Euclid, OH

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Complaint: I have been with discover for over a year I have never missed a payment I have always paid my balance in full. I found out they closed my account when I got alert from XXXX. I never recieved a warning or a specific reason. I called and tried to get a reason behind the decision to close it they told me they couldnt provide the information and encourage me to apply for another discover card
Company Response: Closed with explanation

Timely Response

2019-05-26

WA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: I have identity theft my house was broken into when I was just married they stole my SSC my old is and birth certificate. I filed a police report I am a victim of identity theft and discover is one of the accounts that is NOT mine and but taking off my credit report with an official police report and case number that is against the law. They are supposed to remove with in 30 days im contacted them many times with copys of police report and all
Company Response: Closed with non-monetary relief

Timely Response

2019-05-26

Warren, RI

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: My name is XXXX XXXX and I have been a customer of Discover since XXXX of 2012. This was my first credit card I have ever had. I have never had any issues with discover and they have always treated me fairly. On XX/XX/XXXX of this year I was a victim of credit card fraud for the amount of {$4300.00}. This transaction was made at a jeweler that is about a two hour drive from where I live. Upon noticing the transaction I searched through my wallet and notices the Discover card was missing. I called Discover and informed them of the fraudulent transaction. The first interaction I had went well as the rep I spoke to was very sympathetic and reassured me that I would not be liable for the transaction. I also explained to her that I had just made a purchase through XXXX that was not fraudulent around the same time. I was able to make this transaction because my Discover card information has always been saved to my XXXX account. The rep I spoke to was very understanding and I ended the conversation feeling very calm as it seemed Discover would handle the situation and my credit score would be okay. A couple months later I received a notification from one of the credit agencies saying my credit score decreased because my percentage of credit used shot up. I checked all my credit cards and noticed that my discover card balance had shot up well over {$4000.00}. The fraudulent charge from XXXX had been reapplied to my account. I had to wait until the next business day to contact that department because they were closed. Once I contacted the Discover department that handles these investigations I spoke to a gentleman that wasnt very helpful. I asked him a few questions and his responses were very condescending. Throughout the conversation I asked him to give me the reason for the charge being applied back on my account. The reasons he gave me were very vague and all based on assumptions. There was no actual proof that I had made the purchase but the gentleman I spoke to accused me of having done the fraudulent charge myself. The gentleman told me that the vendor had supplied them with a copy of my drivers license and that it was presented at the point of sale. Discover has not send me a copy of this information for me to be able to dispute it. I never lost my license. The only items missing from my wallet were a few business cards, my discover card, a XXXX gift card and a small amount of cash. I submitted an affidavit to Discover with photo evidence of my Discover card being saved to my XXXX account as this seemed to be one of the reasons that discover is assuming I am guilty. I am willing to drive to XXXX ( 2 hours away ) to file a police report but I was told I did not have to by the first representative I spoke to. I have been trying very hard to pay off all my debt, primarily my credit cards, so that I could apply for a home equity line of credit so that I could go back to school and finish my degree. I have had to put that all on hold because of this issue and I am missing summer classes that will put me behind another year to getting my degree. This has been an incredibly frustrating and stressful experience for me as I do not have the funds readily available to me to be able to pay off this large of an amount off of my credit card. This is also negatively impacted my credit score which I have been trying very hard to improve. I am very surprised that this transaction wasnt blocked as it was made so far away from the town where I live ( and very rarely leave ) and it was a large purchase from a jewelry store ; the most expensive piece of jewelry I own is an {$80.00} pair of earrings that I havent worn since college.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-26

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 IN XXXX FOR TWO YEARS IN VERY REMOTE AREAS. AS SOON AS I LEARNED OF FRAUDULENT CHARGES I CONTACTED DISCOVER ON PHONE. FROM XXXX. THEY ASSURED ME NOT TO WORRY. I HAVE NO ACCESS TO ORIGNAL DOCUMENTATIN BECAUSE DISCOVER CHANGED MY ACCOUNT NUMBER TO PROTECT ME AND NOTHING APPEARS. I SUPPLIED THEM WITH COPIES OF MY NOTES TO THE MERCHANT STATING THEY STOLE FROM ME AND OWED ME. XXXX XXXX. I EXPLAINED IT ALL TO DISCOVER IN MANY DISPUTES FOR EACH OF THESE CHARGES EXCEEDING 5000 DOLLARS. I SHOWED THEM HOW I HAD PAID WITH XXXX, AND XXXX XXXXXXXX XXXX AND EXPLAINED HOW I WAS TOLD DISCOVER CHARGES DID NOT GO THROUGH BY THE MERCHANT. I NEVER WAS SHARED WHAT DISCOVER DISCOVERED FROM THEM SO HOW COULD I COMMENT ON THAT THEY HAD. THIS IS AN XXXX MERCHANT, THEY ARE NOT HONEST AND IT IS IMPOSSIBLE FOR ME TO HAVE A DISCOVER CHARGE IN ANOTHER CITY THE DATES THEY SAY THEY ARE GIVING ME SERVICES ALSO. NOW THAT 2 YEARS HAS PASSED DISCOVER JUST PASSES IT OFF AND DOES NOT WANT TO DEAL WITH IT. NO MANAGER EVER GAVE ME THE ATTENTION I REQUESTED. I HAD A MERCHANT ACCOUNT WITH DISCOVDR FOR MY BUSINESS, ALWSAYS PERFECT STANDING, LOW BALANCES UNTIL THIS, AND I EVEN OFFERED TO SETTLE WITH THEM. IT IS LIKE I AM GETTING A FORM RESPONSE THAT DOES NOT EVEN RESPOND TO MY SPECIFICS .... THEY NEVER MAILED ME WHAT THEY SAID THEY DID AND I HAVE ASKED TEHM TO UPLOAD ONTO MESSAGE CENTER, NEVER DONE. I HAVE BEEN WITH THEM MAYBE 10 YEARS. THERE IS NO WAY TO RESOLVE THIS WITH THE THIEVES IN XXXX UNILESS I GO THERE TO THE GOVERNMENT. THAT IS UNREALISTIC. IT IS ALSO AGAINST THIER STATED INTERNATIONAL PROTECTION POLICY. I AM JUST SPINNING MY WHEELS SINCE 2017. NOW THEY SAY SO MUCH TIME HAS PASSED, IT HAS BUT I AM THE ONE PAYING THE INTEREST ON THIS TIME FOR FRAUDULENT CHARGES. IT IS COMMON IN A 3RD WORLD COUNTRY FOR THIS KIND OF THING. IF DISCOVER LOOKED REALLY OR TRIED TO UNDERSTAND IT IS ALSO IMPOSSIBLE FOR ME TO WITH THE DOC I SHOWD TO SPEND THE DISCOVER PORTION OF OVER 5 THOUSAND AND THE XXXX XXXXXXXX XXXX AND XXXX PORTIONS OF HUNDREDS MORE AT THIS TINY PLACE. I OFFERED A SETTLEMENT, AND DEMANDED NO INTEREST AND EVERY REPLY I GET IS FROM A DIFFERENT PERSON AND NO ONE PERSON LOOKED AT THIS GROUP OF FRAUD CHARGES FROM THIS ONE MERCHANT SO NOTHING WAS HANDLED OR INVESTIGATED REASONABLY. I HAVE NEVER DISPUTED LARGE CHARGES, I HAVE WORKED HARD, OWNED MY OWN BUSINESSES, PAID ALL ON TIME WITH THEM NEVER FOR PERIODS HAD LARGE BALANCES, BUT PAYING THIS 5 PLUS THOUSAND TO THEM AND THE INTEREST IS NOT JUST OR ACCEPTALBE.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-25

Alafaya, FL

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Company Response: Closed with explanation

Timely Response

2019-05-25

Conch Key, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with non-monetary relief

Timely Response

2019-05-25

Yeagertown, PA

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: Made attempts via certified mail to request verification of signature and comply to fraud alert on credit file. Company failed to comply for FCRA Guidelines.
Company Response: Closed with explanation

Timely Response

2019-05-25

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XX/XX/XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports also i have already made report at XXXX Discover financial ser on XX/XX/XXXX
Company Response: Closed with explanation

Timely Response

2019-05-24

Dallas, TX

Struggling to pay your bill

Credit card or prepaid card: General-purpose credit card or charge card

Problem lowering your monthly payments
Company Response: Closed with non-monetary relief

Timely Response

2019-05-24

Magnolia, TX

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Application denied
Complaint: I had Discover Card and my Brother was suppose I pay from my Trust Fund to pay off this Credit Card and I found out he did not will back in XXXX of XXXX or XXXX I got my retirement benefits and I Paid off The Discover Card Thinking that they would let me used it again remember this is not fault anyway without checking my papers I think it was $ 6000- {$8000.00} I paid the whole thing off. And by the way I am only on SSA and I am a retired and XXXX woman that can not work and to sick to work anymore anyway make it short I paid them off hoping that they would of let me have my credit card back and I was informed today XXXX, that they will not do it if I know that I would not of paid it the Discover credit card but I would of went Bankruptcy of them and NOW I WISH I WOULD OF DISCOVER GIVES THEM NOTHING-I ONLY PAID THEM SO I CAN HAVE MY CREDIT CARD BACKnAND I ONLY NEED IT FOR MEDICAL IN NATURE LIKE MY MEDICINE MOSTLY AND MEDICAL XXXX THINGS. I FEEL DISCOVER CARD DID A VERY BAD NUMBER- THEY SHOULD OF GAVE ME A SECOND CHANCE AND DISCOVER CARD PEOPLE ARE IN DANGER FROM XXXX THEMSELVES & And WHEN I TRIED TO Opening A NEW CREDIT CARD WITH THEM I THOUGHT THEY REALLY WOULD OF SINCE I PAID THEM IN FULL AND I DID NOT HAVE TO AND I WISH I DID NOT PAID THEM OFF AT ALL AND WENT BANKRUPTCY WITH DISCOVER CARD INSTEAD AND THAT HOW I FEEL LIKE THEY TOOK MY MONEY AND DID COMPLETELY NOTHING TO HELP ME AND I COULD OF USED THAT MONEY SOMEWHERE ELSE AND DISCOVER CARD WOULD OF GOT NOTHING AND THAT WHAT I SHOULD OF DONE TO DISCOVER CARD CORRUPT COMPANY PAID NOTHING ... I AM NOT RICH AND I DO HAVE A TRUST FUND BUT RIGHT NOW I CAN NOT GET ANY MONEY OUT OF IT I GUESS I NEED A ATTORNEY AND AGAIN I DO NOT HAVE ANY MONEY
Company Response: Closed with explanation

Timely Response

2019-05-24

Stevenson, MD

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: BACKGROUND : I placed an order with XXXX on or about XX/XX/19 in the amount of {$160.00}. XXXX shipped the package on or about XX/XX/19. On or about XX/XX/19 I received notification from XXXX shipping company ( XXXX ) that the package had been delivered to my home. Upon arriving home, the package was not there. I immediately contacted XXXX and spoke with a representative by the name of XXXX and advised that the package was not at my home. XXXX contacted the driver who indicated that the package was left at a white door under doormat. I live in an apartment complex with over 250 tenants so the package could have literally been left at any number of apartments in the complex. I asked if he was sure he left it at my address as there is a building 4 across from me in the same complex on the opposite side of the street. I was instructed to call back the next day to initiate an investigation. I then contacted XXXX and advised them that I did not receive the package. I was asked to follow up with the shipping company and advise XXXX of the outcome of their investigation. At this point I was under the impression that I was expected to pay for merchandise I did not receive so I then contacted my credit card company ( Discover ) and advised that the package was not delivered and asked what I needed to do to make sure I was not responsible for paying for merchandise that I did not receive. Discover advised that they could reverse the charge on my account while they investigate the matter. ( emails attached ) On XX/XX/19 I spoke with XXXX at XXXX who advised that if the package wasnt received by the following Monday I should call that Tuesday to file a lost package claim and XXXX would then determine whether to issue a refund. On XX/XX/19 I spoke with XXXX at XXXX and advised that I received an email from XXXX on XX/XX/19 advising that they had completed their investigation and that I should contact XXXX about refunding the charged amount. XXXX advised that XXXX would issue a refund in 1-3 business days. At this point I assumed the matter was resolved because the money Discover took back from XXXX when they placed on the account was being refunded back to them by XXXX. On or about XX/XX/19 I received an email from XXXX dispute management regarding the XXXX charge advising that a hold had been placed on my XXXX account and future orders because I opened a dispute on XX/XX/19 regarding the missing package. They advised that until the {$160.00} had been repaid I could no longer place orders with them. Once I saw the email, I responded on XX/XX/19. The dispute management department then sent another email on XX/XX/19 advising that Discover had issued a credit and they had issued a credit but that Discover had refunded them ( emails attached ). Again, I thought nothing of this because I assumed Discover was refunded the money they had credited my account. DISPUTE : It wasnt until I went online to pay my current Discover bill I noticed that Discover placed a charge of {$160.00} on my account. Discover claims that XXXX had credited my account twice and I was responsible for repaying the overpayment to them. However, there is nowhere on my XXXX or XXXX statement ( enclosed ) that show a double credit to Discover by XXXX. In fact, on the XXXX statement you will see the {$160.00} charge from XXXX dated XX/XX/19. Then there is a post date of XX/XX/19 with transaction date showing the XXXX # XXXX adjustment in the amount of - {$160.00}. On the current statement there is a post date of XX/XX/XXXX and transaction date of XX/XX/XXXX from XXXX # XXXX XXXX PA in the amount of - {$160.00}. It appears to me that the adjustment amount Discover posted and the refund amount of {$160.00} from XXXX, is simply XXXX reimbursing Discover for the XX/XX/XXXX adjustment amount of {$160.00}. I do not see a double credit issued by XXXX. In fact, I contacted XXXX on two different occasions to try to figure out when they issued two credits to my account. On XX/XX/19 I spoke with XXXX at XXXX who informed me that on XX/XX/19 XXXX placed a hold on my Discover account in connection with the purchase I made on that day in the amount of {$160.00}. When the merchandise shipped on XX/XX/19 XXXX billed Discover for that amount. On XX/XX/19 Discover then took the money back from XXXX and placed an adjustment on my account. However, XXXX then issued a refund of the {$160.00} on XX/XX/19 due to the lost claim. XXXX confirmed that XXXX issued only one credit, which refunded the amount back to Discover. Before filing this complaint, I wanted to confirm the information I received from FreePeople on XX/XX/19 so I again contacted FreePeople on XX/XX/19. On XX/XX/19 I spoke with XXXX XXXX at XXXX dispute management department who informed me that in his opinion the problem occurred because I simultaneously filed a dispute with XXXX and XXXX regarding the lost package. Mr. XXXX further advised that once I filed the dispute Discover took funds from XXXX on XX/XX/19. XXXX then issued a refund on XX/XX/19, which should have XXXX out the {$160.00} charge. There were no other credits applied to my account.
Company Response: Closed with explanation

Timely Response

2019-05-24

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports also i have already made report at XXXX 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 1. XXXX XXXX XXXX XXXX XXXX, XXXX 1. XXXX XXXX XXXX XX/XX/XXXX 1. XXXX XXXX XXXX XXXX XXXX, XXXX
Company Response: Closed with explanation

Timely Response

2019-05-23

Washington, DC

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-05-23

August F. Haw, CA

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Application denied
Company Response: Closed with explanation

Timely Response

2019-05-23

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: Per recommendation of a friend, I purchased a Hawaii trip package through a travel agent, ( XXXX XXXX, owner of XXXX, XXXX, ( website XXXX ) on XX/XX/XXXX of XXXX. The total travel cost was {$7700.00}. My friend told me it was a bargain at that price and we as a group of families ( 4 families in total ) should all sign up with this travel agent that was scheduled to take place in XX/XX/XXXX through XX/XX/XXXX during our kids ' spring break. She charged {$4800.00} on this date on my Discover card. I subsequently paid my entire DISCOVER credit card bill for this entire amount as a deposit. The remaining BALANCE was due by XX/XX/XXXX. In XXXX of XXXX my credit card was charged the remaining balance of {$2900.00} without any prior notifications from the travel agent. I contacted her on XX/XX/XXXX for an explanation and after some back and forth by email, she responded that she would send me a refund by mailing me a check. I never received a refund and since my DICOVER credit card bill was due, I emailed her of my intention to dispute the charge because I was not prepared to pay for this charge until some time in XXXX of XXXX as she had mentioned it in her original email on the itinerary. Since she was not returning my deposit I started to get suspicious of her having bad intentions in keeping my money. Finally, since she never reimbursed the second charged fee, I decided to cancel my entire trip in XXXX of XXXX and asked for a full refund. My cancellation was qualified for a full refund within the cancellation period guidelines of the original reservation which she had emailed me and I was anticipating a full refund. On XX/XX/XXXX she sent me an email confirming she had cancelled my Hawaii trip and promised 2-3 weeks for a full refund. I never received a refund for any of the charges initially placed on my DICOVER card. I therefore decided to disputed both charges with Discover totaling {$7700.00}. The DICOVER card dispute numbers were # XXXX for {$840.00} and Dispute number # XXXX for XXXX. I had very poor assistance from DISCOVER CARD. They had promised each time to respond to my demands within a certain time frame. Every time I was the one who had to call to find out what was happening and it was always past the time I was promised a response. The never resolved ANY my disputes. The wait times on the telephone were very long and each time I was the one who had to call to inquire about the status of the disputes and the agents answering the calls seemed very much out of touch and misinformed with what was happening. They were so incompetent that I had to demand to speak to their supervisor who were also very hard to get through to. Even they were very much in the dark about the dispute status and put me on long waits to just figure out what was going on! On XX/XX/XXXX, after repeated calls and texts and emails to this travel agent ( which she mostly ignored and did not reply to ), I finally managed to have her reverse the last charge of XXXX on my DICOVER Card, with the help of my friend who had recommended her to me. DISCOVER CARD took credit for this resolution, boasting they had resolved it!!! DISCOVER CARD WAS UNABLE TO RESOLVE MY DISPUTES. EVERY TIME THEY WOULD ISSUE TEMPORARY CREDIT PENDING A FINAL INVESTIGATION TO RESOLVE THE DISPUTE. THEY NEVER GAVE ME FULL AND FINAL CREDIT FOR THE {$4800.00}. DISCOVER CARD KNEW HOW I WAS HOAXED INTO PAYING HER THIS LARGE SUM WITHOUT A FULL REFUND. DISCOVER CARD RECEIVED COPIES OF ALL MY EMAILS TO SUPPORT MY CLAIMS THAT SHE WAS NOT RETURNING MY MONEY FOR A CANCELLED TRIP THAT SHE HAD CONFIRMED. It is noteworthy that 3 other families who had made reservations with this travel agent and who also were forced to cancel their trips due to her being a con-artist got a full refund from their credit cards ( XXXX XXXX AND ANOTHER CARD ). This travel agent has reportedly been sued FOR CLOSE TO {$100000.00} by her mother travel agency for stealing their clients and opening her own agency. This is public information and on XXXX. I had told DISCOVER CARD about this and they still did nothing. THEY DID NOT EVEN CARE TO INVESTIGATE THIS MERCHANT. DISCOVER CARD finally told me they could not resolve this last amount at all and withdrew, ABANDONED ME and keeping me responsible to collect the {$4800.00} which to this date still has not been refunded to me by the travel agent, XXXX XXXX. They told me to hire an attorney or go to the attorney general 's office!!!! DISCOVER CARD NEVER OFFERED AN EXPLANATION OF HOW THEY TRIED TO RESOLVE THIS DISPUTE. THIS LEADS ME TO CONCLUDE THEY DID NOT DO MUCH AT ALL. DISCOVER CARD failed to protect me as a long-term and loyal customer. I am extremely disappointed with Discover card in the way they mishandled my case. I have tried to talk sense into this lady repeatedly by email, text and group text with my friend who recommended her to me, but up until now she has not returned my deposit of XXXX. I have filed a report with XXXX and IL Attorney General. I will have to hire an attorney or go through a small claims court. This is unacceptable to me. I will be losing time from my work and XXXX since I am a XXXX. I am very frustrated with all of this especially since my credit card that I have had since the XXXX 's has completely abandoned me. I demand an investigation into the way DISCOVER CARD has failed to protect me as a client.
Company Response: Closed with monetary relief

Timely Response

2019-05-23

General Delivery, DC

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: I became aware of this fradulent account in XXXX. Since XXXX I've been trying to work with Discover, asking them to validate this information and provide me with any information they have that they believe shows them that this account belongs to me. Since that time, they've sent me reams of card statements and have made claims that they've conducted investigations where : 1. They approved an account but didn't open in for 6 weeks. 2. They responded to a stolen credit card and provided the account holder a new one. 3. They didn't mail account statements the first time around, they emailed them, but won't share the email address that was used to deliver said accounts. 4. They claimed they called me and talked with me to verify the accounts, then claimed that they talked with me again in XX/XX/XXXX ; which they couldn't have because I suspended my cell phone access in XXXX when I left DC to go work on a senatorial campaign ( info with which I've shared ). 5. I've provided them with an ID theft affidavit with police report number from FTC, yet they still continue to report this account to XXXX. All I want is to see the information that I've requested since XXXX ( I've attached the most recent series of correspondences ) and help them clear up this matter. The fact that they won't share this information concerns me because then they are willfully sharing incorrect and damaging information about me
Company Response: Closed with explanation

Timely Response

2019-05-23

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States on 2015, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports
Company Response: Closed with explanation

Timely Response

2019-05-22

Chester, VA

Other transaction problem

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Complaint: On XX/XX/2019, I called my bank, Discover Bank, to request a domestic wire transfer of {$1000.00} from my account into my boyfriend 's account. I was told it would be done in one business day. I assumed that maybe my boyfriend 's bank is delaying the release of funds because it's the first time. He called his bank and they do not see any wire transfer coming in. So today is XX/XX/2019 I called Discover Bank to see what's going on and I was told that they had tried to reach me around XXXX regarding this transfer. I was told that the Federal Reserve is requesting additional information of the beneficiary, my boyfriend, and I need to give them this information for him to receive the funds. They need his Nationality, immigration status, permanent residence address, place of birth. I called them back and told them if I can cancel the wire transfer and I was told by another representative that the funds couldn't be returned until the Federal Reserve has the beneficiarys ' personal information. He is from XXXX XXXX. The amount is {$1000.00} and it's a domestic wire transfer. I don't see the need for so much information.
Company Response: Closed with monetary relief

Timely Response

2019-05-22

Jupiter, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: a discover card balance on my report is not mine. There are 2 discovers card accounts on my report.Mine is the card ive had for over 20 years, not the card that was opened in 2014. Why would i have 2 discover card accounts?
Company Response: Closed with explanation

Timely Response

2019-05-22

MN

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: I filed bankruptcy on XX/XX/2018. In XXXX Discover started reporting a new account opened with a balance and 30 days late. This account was not opened by me. They never had any contact with myself or my attorney, never sent a statement and as far as I know even if they did they shouldn't due to bankruptcy protection. It's now XXXX and they are reporting an even higher balance and I now have 120 days late reporting to my credit. When I called they stated it was a charge that was posted a day after the bankruptcy filing. I can't confirm this charge since I've never seen any documentation but even if this is true. They can't fraudulently open a credit account and start billing/reporting during bankruptcy proceedings. I've asked the credit bureaus to remove this and they have not. Since Discover can not provide any proof of communication they should be removing this account and really should be communicating via my attorney. What I'm asking for is this account be removed and that they are in some way responsible for violating the laws that protect consumers from this type of behavior. If this is a true debt owed then they need to communicate via statement and give me proof of the debt along with a proper way to pay the debt. I've attached the document showing the credit bureau stating the discrepancy remains even though Discover can not provide any proof. It also shows them reporting late payments and a second account opened during bankruptcy.
Company Response: Closed with explanation

Timely Response

2019-05-21

Glenview, IL

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Application denied
Company Response: Closed with non-monetary relief

Timely Response

2019-05-21

Improper use of your report

Credit card or prepaid card: General-purpose credit card or charge card

Credit inquiries on your report that you don't recognize
Company Response: Closed with non-monetary relief

Timely Response

2019-05-21

Norfolk, VA

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Unexpected increase in interest rate
Company Response: Closed with non-monetary relief

Timely Response

2019-05-21

Brooklyn, NY

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Company Response: Closed with non-monetary relief

Timely Response

2019-05-21

Euclid, OH

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: I recently filed a report with XXXX, XXXX, and XXXX of inaccurate items being reported on my credit reports. XXXX and XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be force to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Company Response: Closed with non-monetary relief

Timely Response