Consumer complaint received 2023-09-02
Company: DISCOVER BANK
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
So earlier this year I had piled up a lot of credit on all my cards so so I heard about a offer from all credit cards is doing a new thing where you consolidate all of your cards to one so I went shopping to see who had the best rates or the best deal on consolidating. Every company had some kind of gimeck where it made the deal useless to me plus it hurts your credit score so when I heard that plus discover charges you up front XXXX to XXXX to get the loan. It simply wasn't for me I try and help my credit not hurt it and if you have to pay to get a loan that's also not for me. I looked at My Mastercard One morning and it had a XXXX balance so I started trying to figure out what happened and I did discover took XXXX or more from XXXX  XXXX XXXX and made me a loan under their company name Discover and I did not authorize it. I didn't have a discover card at that time I don't think but it was all done by a computers or someone at discover saw where I looked at the loan and to make money for them they went ahead and took the money from XXXX  XXXX XXXX I guess I still haven't figured that part out because I hadn't spoke with ANYONE at Discover or even a computer that will prompt you through everything by voice. Discover says that I'm fraudulent plus their going to turn me into credit bureau so it would hurt my credit they get to do that even if a person is innocent just like anybody else that wants to put something on your credit then you have to fight to get it off while you are innocent, so I can't stop them because as a American consumer we have no rights about when it comes to this problem so your guilty but not proven guilty so you have to prove your innocent. By doing this it takes a lot of time to get paperwork documents and so on. That's what I have done with this I can't tell you how many hours I've had to work on my on time to prove to this company that does this everyday that I'm not guilty or as they say it committed fraud. Then after I figured out what happened they still send me letters Stating nothing has changed and it's going on my credit. I stopped working in XXXX at XXXX of XXXX XXXX XXXX  I was there over XXXX  years if I stayed i was going to loose my pension so me and about XXXX more choose to leave when that happened I got my pension XXXX XXXX so I decided to pay some of the big credit cards off and eventually all of them so i didn't need a loan anymore plus I paid the XXXX dollar credit card from XXXX  XXXX XXXX off I told Discover in order for this to happen it had to be on a transaction the same day or maybe 1 day after for this to work. When I paid XXXX  XXXX XXXX off i think XX/XX/XXXX Discover had to get the money that day and put it in my new account that I didnt get or want at the time. So why in the world would I pay off credit card loans call discover tell them I want a loan and consolidate everything else so I could pay the same loans off twice, I know they are going to say it happened way before then but it didn't, I never gave any approval to consolidate any credit card loans from anyone. I mean what part can they not figure out and on top of that XXXX  XXXX XXXX is guilty as they are plus the name on the card is XXXX XXXX XXXX my name is XXXX XXXX XXXX with a XXXX  not XXXX  and they still don't believe me and this is XXXX different groups of people that works at the same place a team to discuss this issue. They actually had 2 different teams to investigate this and found me fraudulent. That's scary you can get that many people in a room together and they all come out with nothing, Twice. People wonders why so many Americans have bad credit, well here it is, this is why. I've spent hours on something I didn't do but yet discover or any other credit card company can put it on your credit report even if they have not found you guilty or proven it. That's the America way because if we all have bad credit who makes the most money off of that? You got it anybody who deals with giving out loans the credit card people will make more money on a consumer that has a poor credit card score than one who has excellent credit. Ahhhhh ok I know they will say they all get the same rate. I talked with XXXX XXXX XXXX they apologized immediately and over and over again the manager called me 2 to 3 times that day to say how sorry they was. DISCOVER ON THE OTHER HAND wants me to get a lawyer and take it to court so Monday I meet or I will get a call from a lawyer group to resolve this issue. I just wanted to make sure that I took the steps to tell a company about what happened so maybe they can explain better because I don't know what part I'm leaving out. Sorry this was so long I know you have better things to do than to read stuff like this when it should of been resolved months ago yes this started in XXXX and here we are in XXXX. Only in America where you don't have to prove there guilty just put it on their credit report so they can spend countless hours on writing stuff like I'm doing now to prove their innocent. Thanks for your time I hope to hear from you soon.

Company response to consumer: Closed with explanation