Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5853436
Complaint Overview
Complaint ID: 5853436
Company: Discover Bank
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Was not notified of investigation status or results
State: California
ZIP Code: 92011
Date Received: 2022-08-07T12:00:00-05:00
Date Sent to Company: 2022-08-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have been under an ongoing dispute about on going fraudulent charges by XXXX XXXX radio totaling {$200.00}! I contacted Discover on XX/XX/XXXX regarding suspicious activity on charges I did not recognize or authorize! From XXXX XXXX XXXX. I had been contacted by this company when I purchased my brand new car it came with this feature free! They called me XX/XX/XXXX to advise me my free feature was over and they would offer a discounted rate of a ONE time charge of {$35.00} for 6 months. I agreed and provided my Discover credit card number for only the {$35.00}. In XX/XX/XXXX I cancelled the service over phone, I declined said no did not listen to their radio stations and did not want to pay any more money. The XXXX phone operator continued to lower the rate to down {$15.00} lower from {$35.00} for 6 months to {$20.00} for another 6 months of air service; I hesitantly agreed ONE time charge! But XXXX XXXX fraudulently charged auto charges of monthly fees from XX/XX/XXXX through XX/XX/XXXX XXXX XXXX fraudulently set up automatic on going ( monthly ) charges after the 6 months was over with out my authorization. I called XXXX from the phone number listed on the Discover Statement the operators that answer are from XXXX can not understand or speak XXXX ; I never received a letter or bill from XXXX XXXX Never! I demanded these charges be reversed I NEVER AUTHORIZED FOR MONTHLY CHARGES! I contacted Discover on XX/XX/XXXX to advise them of the unauthorized auto pay and dispute these charges! I was assured by XXXX in Disputes Dept. the matter was resolved i called multiple occasions over the phone in the month of XXXX, Never did I receive a letter or an update but I called Discover to follow up on my dispute. XX/XX/XXXX {$200.00} in reversal charges were charged back to my account by Discover I disputed these charges they are fraudulent! Discover disputes Dept is asking me to provide proof that I never authorized theses charges!? I asked Discover to provide me with the proof that I did authorize autopay! Because I would NEVER agree to a MONTHLY charge of {$20.00} when I had paid {$5.00} for 6 months ( {$35.00} one time charge ) on ( XX/XX/XXXX ) before! I never agreed on auto pay! Discover said my case is closed! Please help
Frequently Asked Questions
What is Complaint #5853436 about?
Complaint #5853436 was filed against Discover Bank regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2022-08-07T12:00:00-05:00.
How did Discover Bank respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Discover Bank?
Yes, visit the Discover Bank company profile at readthecomplaint.com/company/discover-bank to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.