DISCOVER BANK

2019-03-05

Freeport, 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
Company Response: Closed with explanation

Timely Response

2019-03-05

Waynesburg, PA

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Timely Response

2019-03-05

Tarzana, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: I have been a victim of identity theft. I have filed a police eport along with a XXXX with XXXX listed on the FTC. I previously filed another CFPB case number XXXX and back on XX/XX/2019 XXXX responded to the CFPB request. I recieved a letter by XXXX in the mail stating they will conduct a investigation. At the time I also sent the police report identity theft and a FTC. XXXX has not been any help. They are refusing to remove the account that I never opened nor have I autohrized anyone to open a XXXX account without my consent therefore this account was opened fraudulantly. A few days ago I was notified that my claim has been denied by XXXX XXXX from the Executive office of customer advocacy department. Her contact number is XXXX. She has not done the proper investigation on my claim of fraud and I will explain why she has not. XXXX XXXX is refusing to have this account that I never opened removed from my credit files. I have filed a police report along with a FTC proving Discover that I am not responsible for this account. On XX/XX/2019 I spoke to a rep from the Executive office with the name of XXXX XXXX. He stated that my account was under another investigation. Please see attached FTC and police report. I am not linke for this account and it must be removed. I have never opened any credot cards with XXXX nor have I disputed any charges with XXXX because I never even opened the account. Another discrepency that I have discovered is that at the time of the application I was legally a minor with the age of XXXX. I will also attach my DL with my DOB along with my birth certificate showing my DOB. XXXX is not allowed to open any accounts for minors. Along with that when a application is submitted XXXX must verify the information on the app. In this case because I was a minor with the age of XXXX XXXX by law should have not approved this fraud account. I strongly believe that someone in XXXX has opened this account under my name without my authorization because this app should have been denied due to me being a minor at the time of the application. Please see attached birth certificate and other documents supporting my claim of fraud.
Company Response: Closed with explanation

Timely Response

2019-03-05

Vienna, NC

Improper use of your report

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

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2019-03-05

Lakewood, NJ

Managing an account

Checking or savings account: Savings account

Banking errors
Company Response: Closed with monetary relief

Timely Response

2019-03-05

MT

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: I had some other credit cards that were fraudulently opened in my name. I was a member of XXXX and was reporting those cards to XXXX when I was discovered this card Discover was opened in my name. Discover card was the slowest to locate the documents that my XXXX agent sent ( the same documents she sent to the other 5 or 6 credit cards ). They said they had phone calls from my previous phone number ( my husband and I switched cell phone carriers ) like the other cards but these calls were NOT me. Someone had copied my phone number and acted like me on the phone. Discover asked me what email they should have on file. They had a XXXX but it was not mine. They did not tell me the email address..just confirmed that it was not XXXX. I do NOT have another XXXX account, just one.They also said that the statements were being sent to that email ( the one I did not know about ) and I told them I do not receive estatements for credit cards as I do not like it. I Discover is requiring documentation saying so ( our previous cell phone carrier was not corporative and we can NOT get the documentation that Discover needs to relook at my account. The documentation needs to say our account with the cell phones was compromise and the company will not admit ). Discover called me and claimed to have talked to me about a person that was an authorized user on the account but they did not. That day they called, was the ONLY time I didn't talk to them with XXXX on the phone as well and all the Discover agent went over was the process that banks go through if someone comes in to get a cash advance. That is it. I tried ask Discover if they are not sure where the cards were sent, how are they sure if they came to my address? And how can they be sure if they talked to me on the phone since someone had acted like me and talked to the other credit cards. Discover has not responded to either question. XXXX is unable to further to assist me due to not being able to get the documentation that Discover requires to relook at my account. Now Discover is saying I'm responsible for the full amount on the account. These charges on mostly online or out of my state. I do not shop online unless its on XXXX. Most of my shopping is done in person where I HAVE TO SIGN ... very little do I shop online. I do not bank at any of the banks listed. I have told Discover that I DO NOT know either person that was listed as authorized user on the account In fact I did not know either name or that there were two authorized users until I was talking to my XXXX agent. A lot of the charges are for XXXX which I do not, have never nor probably won't use. I have never bought anything from XXXX. In fact my phone I got was through a cell phone carrier. Discover also did not get any documentation from the banks where there was cash advances ... therefore I do not understand how they can be sure that it was ME who got them ( especially since I did NOT get the cards ), Discover is not giving copies of the documentation they used to determine this was not fraud which they have to by law. I personally feel that Discover did not take what I said seriously and really truly did not look at this account as fraud or that is was fraudulently opened and all of these charges, cash advances and balance transfers ( I do NOT know how to do a balance transfer ... nor have I ever done one and I have NO interest in doing one in the future ) are done by someone NOT ME. I expressed to them at least 3 times that I did not open this card or I did NOT apply for it. The charges on this Discover account were VERY similar to the other credit cards and the other cards saw that them was fraud. I do not understand why Discover said it was not. I should not be responsible for charges that I DID NOT DO. I
Company Response: Closed with explanation

Timely Response

2019-03-05

Boston, MA

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
Company Response: Closed with explanation

Timely Response

2019-03-05

Conimicut, RI

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-03-04

Detroit, MI

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Collected or attempted to collect exempt funds
Complaint: from the VAs to 2016 Discover transferred from my accounts with them a total of ( According to their records ) {$14000.00} to one or more of their fake accounts that the federal courts ordered them to stop doing!! That is the amount that keeps going up that they are NOW reporting to the IRS on form XXXX! They also took over {$20000.00} from my other credit cards! Also they took me to local court and I proved that they illegally took the money and put it into one of their fake accounts! XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXt Even a small amount of experience dealing with collection agencies teaches most people that defending a lawsuit from a collection agency isn't exactly rocket science and usually goes something like this : 1. You recieve a summons from the collector. 2. You respond to the summons and show up in court. You demand proof that you owe the debt. 3. The collection agency requests time to come up with proof. 4. The collection agency can not find proof. The judge dismisses the lawsuit. Game over. XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-03-04

Co Spgs, CO

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

2019-03-04

Newark, NJ

Problem when making payments

Payday loan, title loan, or personal loan: Installment loan

Company Response: Closed with explanation

Timely Response

2019-03-04

Florence, SC

Other features, terms, or problems

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

Other problem
Company Response: Closed with explanation

Timely Response

2019-03-04

Magnolia, TX

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: On XX/XX/XXXX I received a call from a local number that I didn't recognize. I sent it to voicemail however it didn't leave a message. I tried calling the number back but it stated " this number doesn't take incoming calls ''. The number called again, so this time I answer and the voice on the other side says " This is a locating service and we have a debt that is pending lawsuit against you and we can only give you a ID number and a phone number to call to get this resolved ''. This was a surprise to me because I didn't remember receiving any letters of notification on any legal matters. I called the number they gave me and gave the receptionist the ID number XXXX and I was transferred to XXXX ID # XXXX. XXXX stated that " she was with XXXX & XXXX and was collecting on a Discover Card account and they have made several attempts to collect on this debt and she was looking at my credit report and she can see that this debt is mine from XXXX ''. I then replied " this is not my debt because I have never in my life had a Discover Card ''. She basically said " its on your report and we are going to file suit against you for this debt and you will be liable for much more ''. I explained to her that I am a State of Texas License Mortgage Loan Originator and I look at my credit all the time and she said " There is no way that you can be a mortgage Loan officer with the debt on your credit report '' She then began to call off other debts to validate her point to me. I then asked her " who gave you authorization to pull my credit because I didn't ''? She stated " They didn't need my authorization because they are bonded and insured and they have the right to pull credit unknowingly to the consumer ''. Before I could get to tell her that " I was a victim of Identity Theft '' she hung the phone up. I called back and asked the receptionist could she give me the person I was speaking with on the prior call and she transferred me back to XXXX. I then asked for all of the company 's information as I was going to file a complaint on the CFPB website. She stated that " You're just making threats and we are still going to file suit ''. I then researched the company and found the following : Complaint Type : Billing/Collection Issues Status : Unanswered XX/XX/XXXX Received transaction authorization to sign in the middle of page states cancellation policy must recover a written signed cancellation letter within 90 days of debt transaction. The letter must be sent with tracking such as email to support at ****** and *********m or u.s. certified mail what the letters received a full refund will be issued back to the card that was used for the transaction. What is this about. Complaint Type : Billing/Collection Issues Status : Unanswered XX/XX/XXXX This company XXXX and XXXX called me and stated i took out a loan in XXXX and was paying on it until XXXX. The claim it was on my credit report in which i pulled back in XXXX and didnt see anything on it. They claimed i owed over {$1000.00} but they will settle for $ 600+. I know for a fact that i did not take out any personal loans. When asked what company they didnt have that information. They said they would garnish my check if i didnt pay. Ive read reviews and pretty much think this is a scam. Can someone please help me out. They gave me a phone number XXXX XXXX XXXX XXXX XXXX. Please look into this company before they take money from me.. Complaint Type : Billing/Collection Issues Status : Unanswered XX/XX/XXXX They are using a third party to make contact to have you contact them. This is in reference to am account that eased supposed to have been paid off. Why is it still in collections. The account is 18 years old. The company they are representing is XXXX XXXX. The name of the company that contacted me in XXXX was XXXX XXXX. They started a letter was delivered to my address but she couldn't tell me if it was signed for. Now they stress trying to garnish my wages. I have never been sent any letters being certified or just regular because the account should have been paid off. I need the harassment to stop. Complaint Type : Billing/Collection Issues Status : Unanswered XX/XX/XXXX A XXXX XXXX company contacted me and gave me the information for this company. When I called the company at # XXXX and gave them the ref # I was given the lady that answered the phone was threating me with a set to seek a judgement against me in amt of {$1100.00}. I asked her what this was pertaining to and she stated that it was credit card opened in XXXX with mastercard and that they have a paper trail that was sent to me that I have NEVER received. I ask her to verify my address on file and she did an I informed her that I have not lived at that address in over 20 years so gave me another address and it was not correct at all. She informed me that I was my problem I did not get the information that was supposedly sent to me not hers. I hung up and called back and ask to speak with a supervisior she refused to let me speak with one then ask for a manager and she refused and processed to tell me I like the sound of my own voice. I told her to never contact me again and call ...
Company Response: Closed with explanation

Timely Response

2019-03-04

Marvin, NC

Other features, terms, or problems

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

Other problem
Company Response: Closed with explanation

Timely Response

2019-03-04

Port Charlotte, FL

Problem with a purchase shown on your statement

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

Overcharged for something you did purchase with the card
Company Response: Closed with explanation

Timely Response

2019-03-04

Durham, NC

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2019-03-03

Crystal, MN

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: XXXX XXXX. They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!
Company Response: Closed with explanation

Timely Response

2019-03-03

Empire State, NY

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
Company Response: Closed with explanation

Timely Response

2019-03-03

Green Bay, WI

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-03-03

Colleyville, TX

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

2019-03-03

Boston, MA

Incorrect information on your report

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

Account information incorrect
Complaint: Discover credit card my limited was {$4000.00} i always pay recurring from my bank account I have balance pay off never use the credit card for some reason credit get increased notice when login my account noticed discover continues taking money monthly call discover ask way continue taking money if pay off my balance customer service say the have very high balance I try to explain is impossible because a pay complete total amount with my tax. Customer service person said my credit was increased new car was send to my address never revive new card ask for investigation person send me new car never use this investigation went to south XXXX court district discover never presented to court day. XXXX and XXXX hotel send me letter apologize my information was Sposed never think some use identity moved get letter need to present to court. I try to login to my discover account to print my statement approved to see whenre this charged was made discover remove my access denial my privilege to login into account. I ask if that my account a have Right to get stamenst see what happen, I call discover multiple times asking for send me by mail old statement begins to the end was denied to send to me. Only need to pay the balance I submitted XXXX and XXXX nothing get resolved
Company Response: Closed with explanation

Timely Response

2019-03-03

Brooklyn, 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
Complaint: There were multiple credit cards opened in my name fraudulently. Debt was accrued and this was not authorized by me and is identity theft. I have tried to remedy this by calling and claiming fraud but I have received no correspondence. I simply want these accounts deleted and removed from my credit report and out of the database with the bank.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-03

Los Indios, TX

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: Two charge-backs were opened on XX/XX/2019 against Merchant XXXXXXXX XXXX XXXX ' because this company had engaged in fraud by selling us fraudulent XXXX contracts. We became aware of this in XX/XX/2019 and opened the dispute accordingly. These include Dispute # 's XXXX and XXXX. Discover Card is obligated to protect us from this sort of fraud, as it was opened within the two-year time frame. This is also not the first time Discover has failed to protect us as consumers. We are highly disappointed in the level of service we have received from Discover. We are considering withholding future payments on this card balance, since it contains charges that we regard as fraudulent.
Company Response: Closed with explanation

Timely Response

2019-03-02

Hinsdale, IL

Other features, terms, or problems

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

Problem with balance transfer
Complaint: In XX/XX/XXXX, I requested a balance transfer in the amount of {$12000.00} from my Discover card to my XXXX-XXXX card. This request was done electronically. On XX/XX/XXXX, the amount of {$12000.00} was received by XXXX-XXXX and applied to my account. However, on XX/XX/XXXX I noticed that the Discover balance of {$12.00}, XXXXstill remained, so I contacted Discover to see what the hold-up was. At that point, Discover said that they had NOT received any payment from XXXX-XXXX and requested that I set up an automatic payment with them so I would not miss a future payment. I did this as not to mess with my credit score and in hopes that this would be cleared up soon. On XX/XX/XXXX, Discover billed me for {$500.00} On XX/XX/XXXX, I contacted Discover. XXXX put me on hold to review my account, and then transferred me to another department. XXXX then told me that Discover had not received a payment from XXXX-XXXX, and requested that I contact XXXX-XXXX to initiate an investigation into what happened. That same day, I contacted XXXX-XXXX. The woman that I spoje with, XXXX, said that the money had to be received by someone and that they would have a resolution for me within 30 days. I was then transferred to another department where I spoke to XXXX who also told me that XXXX-XXXX would investigate where the money went and I would be notified via paper mail. On XX/XX/XXXX, I recevied a letter from XXXX-XXXX cardmember services stating that the transfer I initiated back in XX/XX/XXXX was applied to my Discover account on XX/XX/XXXX, in the amount of {$12.00}, XXXX ( letter uploaded here ). Because there had been no resolution, I began paying DOUBLE - money to Discover and money to XXXX-XXXX - to avoid falling into bad credit. Thus, on XX/XX/XXXX, My Discover balance was {$12.00}, XXXX. On XX/XX/XXXX, I contact Discover yet AGAIN. I began speaking with XXXX who put me on hold to talk with various departments. I was eventually transferred to XXXX who opened a missing payment case on my behalf. She said that they would have results for me in 15 days, and would reach out to XXXX-XXXX. In the interim, she provided me with a case number and requested that I send the letter XXXX-XXXX sent me on XX/XX/XXXX to Discover 's Payment Research Department. This is did in good faith. She also indicated that a credit would be applied to my account while this issue was being resolved. On XX/XX/XXXX, I contacted XXXX-XXXX again and spoke with XXXX and then XXXX. Discover wanted additional information on how the money was sent from XXXX-XXXX to Discover, so I was inquiring about that. XXXX was able to tell me that the money was sent to Discover as a check on XX/XX/XXXX. He provided me with the chek number, the routing number, and the account number. I then called Discover and spoke with XXXX, who I shared the above information with. Unfortunately, this information was not good enough for Discover. From my point of view, I have bent over backwards trying to provide information to them regarding this balance transfer. It has caused me nothing but stress and anxiety and yest Discover is the one continuing to benefit from this. Discover reached out vial email ( I have never received a phone call from them ) which stated that the information ( check number, rounting number, etc. ) was not enough and that they needed to see a cleared copy ( front and back ) of the check that was sent from XXXX-XXXX to Discover. So ... once again, on XX/XX/XXXX, I contacted XXXX-XXXX. I spoke with XXXX, who said that he would be requesting a copy of the cleared check and have it mailed to me within 7 business days. On XXXX, I received an email from Discover stating that since they had not heard back from me, they are assuming that I have taken care of this on my own, and will be returning the balance to my Discover card. It is now XXXX, and I have yet to receive any information from XXXX-XXXX. I am sick of this run around. I have done my due dilligence, contacting each company month after month since XX/XX/XXXX. Here it is, almost 6 months later, and not only am I paying off one credit card ... I am paying the same amount on a card that was transferred. I am beyond angry and frustrated with BOTH credit card companies for dumping this on me.
Company Response: Closed with explanation

Timely Response

2019-03-02

Cecil, NJ

Problem with a purchase shown on your statement

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

Overcharged for something you did purchase with the card
Company Response: Closed with explanation

Timely Response