ComplaintsforDiscover Financial Services

• Initial Complaint

  12/11/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  An unauthorized charged for $159.00 was done on my Discover Credit Card. I started a dispute and even thought I provided email to the company explaining I did not place this order nor I resides at the address they sent the merchandise, Discover Card agrees the transaction is valid. I never received the merchandise, a credit or offered to resend merchandise to my new address. All I got from this company was I am sorry , not even the courtesy of replacing merchandise. I guess it was my fault I no longer reside at that address.

  

  Business response

  12/23/2021

  Please see attached. 

  Customer response

  01/03/2022

   
  Complaint: 16356083
  
  

  I am rejecting this response because:  On November 3rd, 2021 I was charged on my Discover Card the amount of $159.00 from SmoothieBox.  SmoothieBox is located at ***********************************************************************************************.  I signed for their products on January 30th, 2021, and re-order on March 19th, 2021.  After that order I decided to cancel the membership due to their delivery methods.  I cancelled the account completely. I would have to create a new account to log in.

  
  

  On November 3rd, SmoothieBox sent me an email about my products been "on transit".  They reactivated my account without asking if same products or if ok to ship.  Additionally they never confirmed if I was still at same address or not even if I was still alive!!! On the same day, at night, when I noticed the email I replied that I never placed an order, nor activated an account I closed.  They stated the account was just on hold until November, which is not correct.  I also communicated I no longer live at that address, which they only replied "I am sorry, there's nothing they can do".

  
  

  So not only they charged my account without confirming all the above, they did not care I never received the products.  Discover card agreed with them, even after I provided all information mentioned.  I also submitted all the reviews I found online about same situation to other prior customers getting unauthorized charges as well.

  
  

  I attempted to file a complaint with you (BBB) about SmoothieBox but it is not registered with BBB.  Can you still contact the business even if its not registered with the Bureau? 
  

  
  

  I appreciated your mediation and service.  As far as Discover Credit Cards, its not the same time they agreed with bad business practices.  Today I sent last payment to the credit card and closed the account.
  

  They definitely need to recognize bad businesses practice in their contracts with merchants.  The merchant had my credit card info because I had previously order from them.  But they did not have any authorization to place an order, nor took the time to confirm if customer alive (after pandemic) or still resides at location (a situation that had changed with many people who had lost their job due to the pandemic).

  
  

  Let me know if there's anything I can do to warn others, and if you could also contact SmoothieBox.
  

  
  Sincerely,
  
  *************************

  

  Business response

  01/14/2022

  Please see attached. 

  Customer response

  01/17/2022

   
  Complaint: 16356083
  
  I am rejecting this response because:  No resolution was obtained.  I have closed and terminated business with **************************************************************************************

• Initial Complaint

  12/09/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On October 26 2021, I deposited a government issued check into my discover savings account through mobile check cashing. The account was new. On November 2nd , the funds became available after 5 business day hold. On that same day , I received an email from discover informing me that my account had been frozen for suspicious activity and that I needed to get in touch with them as soon as possible to resolve the matter. And so I did. While on the phone with discover they informed me that my account was being closed due to a business decision. No further explanation what so ever. And the thing that startled me the most was that this company supposedly a very successful and professional business , had no reason or legitimate explanation as to why they would be s******* me over. The law for banks in ***************** is that upon closure of any financial account, funds have to be released no matter what the reason or circumstance . I had **** dollars into this account and was simply attempting a wire transfer to an external account in order to pay bills , and was shut down , despite having that option as a deposit account holder. No where in any event have I violated the agreement that I signed when I opened the account. Discover on the other hand, did . I am being refused access to my money , and no matter when I call or what I say , I am being told the same exact thing . That I would need to get in touch with the institution that issued the check , and that would be the only option for me. I got in touch with civista , the check issuing institution and was told that my rights as a consumer were being violated and that I would need to seek legal help . Being that the money have been taken from this institution , the issue would be predominantly something I would have to resolve with discover. Nobody would give me their badge or Id number or last name for record keeping. Also, the deposit agreement that I signed with discover states that any funds be released to me

  

  Business response

  12/16/2021

  Please see attached response.

  Customer response

  12/21/2021

   
  Complaint: 16347424
  
  I am rejecting this response because: discover bank is refusing to release the funds that I had in my account with them when they have closed it . Also this company continues and continues to lies about the deposit agreement stating that it states they can rake my funds for any reason thats a bold face lie . Please help me as I am a very very nice person to everyone and I dont deserve this c*** . 11b of the deposit agreement states that shes lying . 
  
  Sincerely,
  
  *********************

  

  Business response

  01/11/2022

  Hello,
  
  In regards to BBB Case # ******** (**********************), we are currently investigating the consumers concerns and additional time is needed. A detailed response will be uploaded to the BBB portal and sent to the consumer when our investigation is complete. In the meantime, please let me know if you have any questions.

   

  Thank you,

   

   

  ***********************  | Discover

  Complaint Tracking ******************************* of ******** Advocacy

  ***************************************

  ( ************ |   * ******************************************

  

  

  Business response

  01/11/2022

  See attached response.

  Customer response

  01/12/2022

   
  Complaint: 16347424
  
  I am rejecting this response because: discover continuously lies and refuses to hold the money that I had in an account that they closed for no reason as its in violation of my rights.
  
  Sincerely,
  
  *********************

  

  Business response

  01/24/2022

  Please see attached response.

  Customer response

  01/28/2022

   
  Complaint: 16347424
  
  I am rejecting this response because:
  

    

  I, as a consumer, and a well devoted family man currently dealing with financial problems, am very displeased with the robbery of my funds that i received from ***** fe tax products for my tax return from last year. The check amount was for $2,170.69 and i deposited it into my discover account on Oct 26, 2021. I was informed of the availability of the funds and that they wouldn't be accessible until Nov 2, 2021. I requested a transfer prior to the funds being available on the 1st of November because a transfer request was necessary in order for me to access the funds in the account. I was informed the funds were available on the 2nd as promised so i attempted a money transfer request for the remainder of the funds be sent to my ************ account and was emailed by discover to contact them immediately regarding my account . I was asked to comfirm a few things and so i did. During that process i was asked to upload documents to further prove my identity.  I have included several files with this rejection letter to support my statements and show you of the wrong doing discover has done to me. I was immediately informed that due to a business decision they were closing my account. I was told that discover bank wasnt going to release my funds that i deposited from my check to me and that i would need to get in touch with civista bank to see if they would reissue another check . so for laughs and giggles i did and they laughed at me and told me that what discover bank was doing didnt make any sense and that they cant issue another check to me because discover bank already received the funds. Also , 600 dollars of the check was sucessfully transfered to my citi savings account the day after they told me they closed my account. Every day i get emails saying that i have **** dollars into my account with discover and they told me my account was closed and they reserve the right to freeze of close my account for any reason. Thats where things get tricky . maybe they are confused or really dont know how to operate a business. In the deposit account agreement it states that for account holders, they reserve that right. but my account was closed . 11b of the deposit agreement doesn't state anything relating to my closed account like she stated. They have no right holding my money because my account is closed , by law they are required to release my  money to me . i have tried to work with them in every way possible and it just seems to me like they are puitting their selves above the law! i called to comfirm that the info i had was right as far as the litigations go according to closed account using their info number and spoke witth ***** from salt late location and he confirmed that discover bank didnt hold funds for non account holders after accounts were closed. they consider this matter resolved but my money is sitting in a socalled CLOSED account yet i still get emails everyday from them stating my available balance so not only did they lie about theuir depoisit agreement , they are lying about my account being closed because they know that if they close an account the funds get disbursed to the account holder. please help me retrieve my funds and ive called a million times and get the same answer every time. i ask to speak to a supervisor and get put on hold for 15 minutes only for them to come back and say that theres noit one available and they would call me b ack and they do it everytime. i also ask them  their names and id numbers work their job and they say that they doont have one. i ask to remain on hold until a supervisor becomes available and i am told that they are time limited onm phone calls. my phone number is ************ and my email is ************************ or ********************************** thanks. Sincerely,
  
  sincerely,
  *********************

• Initial Complaint

  11/17/2021

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I applied for the Discover cash back card online, and received an immediate approval. I also was dinged four points by a credit bureau, but figured I would get these points back with the new points for getting approved for a new card. I received multiple welcome emails, inviting me to login and see my new credit limit, and telling me to activate my new card ASAP. Since I have not received the card yet, I was watching the mail. Then I received a strange call on a Sunday morning that was barely audible. Then I received two emails from different domains--not Discover.com--saying I had to provide access to my IRS records. I assumed that these were spam and so marked them. I have been the victim of identity theft twice, and have had my personal financial information stolen in two separate burglaries. It is taking years to recover my near-perfect credit score. I called the main Discover Card number and was told that though I was "approved," I actually had to provide access to my IRS account. Creditcard.com and other resources say that this is not a legitimate request post-approval unless you are requesting a higher credit limit, which I was not. I told two different representatives that you can't tell a person they are approved, but then require more personal information. That is a bait and switch tactic. I said they could have noted on the website that my application was approved pending additional information and review, or under consideration. But APPROVED means approved, yes, accepted, etc. in English. They can't say Approved but no not really. Since I have never been asked for access to my IRS account by any reputable credit card company, including a platinum **************** card, I found this request to be dishonest and an invasion of privacy, as well as a false advertising tactic.

  

  Business response

  12/09/2021

  Response attached

  Customer response

  12/14/2021

   
  Complaint: 16157044
  
  I am rejecting this response because: There were no attempts whatsoever to contact me by phone, and no messages left on voicemail or by email. Discover reported this card, which I never received and never activated, to the credit bureaus. Transunion dropped my credit score 211 points, from 751, because this account was reported as open. When I disputed this action, reporting that I had closed this account, Discover stated it was open for a month! Again, I never even received the card! Reporting the account closed caused another **************** my Transunion score, and an **************** my Equifax score. It is completely dishonest to report a card that is never activated to the credit bureaus. They have destroyed my previously good credit, and no matter what I do, Transunion refuses to restore my previous score. I would advise everyone to avoid Discover cards and beware. This action is so dishonest, and so personally devastating to me, that I have become severely depressed. I need them to tell the truth so my 751 score is restored.
  
  Sincerely,
  
  *************************

  

  Business response

  01/07/2022

  Response attached

  Customer response

  01/12/2022

   
  Complaint: 16157044
  
  I am rejecting this response because: I spoke with the Discover customer service representative, explaining that a single email saying that a person has been approved for a credit card does not constitute a contract--especially since they demanded more personal information AFTER saying I was approved, including my IRS account access, to proceed with sending me a card. They refused to reveal the APR and other information I have to have before I accept an offer of credit. The requested IRS information should have been part of the application process, not something required AFTER TELLING A CUSTOMER THEY ARE APPROVED. As I never received any card, never activated a card, or made any financial transactions with Discover, they did not have a right to report an open account to the Credit Bureaus. Transunion dropped my credit score from 751 to 540 because Discover fraudulently reported a new open card, even though I never received it.

  
  

  After explaining this situation to Discover, the assistant to the executive said they refuse to remove this account from my credit report. So I have filed another dispute with Transunion, who agreed that if I never received a credit card, I never had an account with Discover. Discover refused to apologize for damaging my credit score, and refused to admit that all information needed should be required BEFORE concluding that an application is approved, not after. They dated my account from the date of an email saying I had been approved, not any signed agreement, before I even had the opportunity to agree to the terms of the credit offered. This is fraud.

  
  

  I have had to renew my consumer statement for Transunion, and complete yet another dispute. I was penalized for "closing" an imaginary "open" account--again, an account I did not have, did not agree to, and never had access to.

  
  

  Thank you for your help.

  
  

  
  

  
  Sincerely,
  
  *************************

  

  Business response

  01/21/2022

  Response Attached

  Customer response

  01/28/2022

   
  Complaint: 16157044
  
  I am rejecting this response because: I called the Discover office, as requested, and the representative absolutely refused to remove this fraudulent account from my credit report, even though I never received any card or activated any account. Since they requested additional information AFTER announcing that I was "Approved," their approval was not honest. The information for a credit decision should have been requested up front, not after telling me that I was approved. I am not comfortable giving a financial services industry open access to my government records. I have never been asked for this type of invasive information gathering with any previous credit card, beginning in the late 80's. This was not upfront nor honest, and to report my account as open when I refused the terms of the agreement is simply fraud. No matter what I tell them, they refuse to remove this record, or to acknowledge the incredible damage they created with my Transunion credit score, which dropped 211 points, from "Very Good" to "Poor." I'm in a constant state of dispute with Transunion due to their irresponsible behaviour.
  
  Discover is not conducting honest business transactions, and their business practices are destructive.

  
  Sincerely,
  
  *************************

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩