topic Re: Checking acct messed up my discover card in Rebuilding Your Credit

Checking acct messed up my discover card

virgo — Sun, 04 Jun 2017 00:31:47 GMT

The story: 09/17/2015 at 09:30 am on a Thursday, I go into Citibank and open a checking account. I told the girl I just want to pay bills on line. I don't need checks. Every piece of paper she handed me I read and asked several times about paying my bills immediately upon opening the account. Since I was depositing cash there is not really any hold times and was told by her and the teller that I can pay bills right now and all the paperwork reflects that. So I go back to my hotel (travel for work) and pay bills. On Monday the 21st I get an email from Discover that my payment was returned and was told that it came back as 'No Account Exists'. Discover puts a freeze on accepting payments from this acct (think it's fraud) and must conduct a 3 day investigation and nothing can be done until it's over. I call City. No one knows what to tell me. I guess to branches and of course they see an acct with money in it. Call corporate. Nothing. I told both to NOT payment through again until I get answers No one listens. Discover resubmitted the payment but for double the amount. Instead of 1042.00 the wanted 2084.00 which I didn't have and of course it bounced. Again, no one listened. So discover closes my card and Citi closes the checking. I have been fighting this for two years. I took it to the head of Citi's board of Directors and Friday night I get a call from the corporate attorney. On the Discover side, I spoke to them on Friday also and the EVP of credit cards is supposed to get back to me. The end result is that Citi claims that customers are two wait 24 hours before using their accounts. This info only exists in internal managers training manual and is not given to the customer in writing per law. Question: how would you proceed? Thank you.

Re: Checking acct messed up my discover card

medicgrrl — Sun, 04 Jun 2017 00:37:47 GMT

What are you trying to accomplish? Reopening the Discover card?

Re: Checking acct messed up my discover card

virgo — Sun, 04 Jun 2017 00:41:43 GMT

Yes. I had a good relationship with them prior to this. One of the inherent problems was that both companies blamed the others computer systems.

But I was't talking to computers it was with both corporate offices.

Re: Checking acct messed up my discover card

medicgrrl — Sun, 04 Jun 2017 00:42:47 GMT

This occurred 2 years ago and they won't approve you for another card? How's your credit

Re: Checking acct messed up my discover card

Anonymous — Sun, 04 Jun 2017 00:46:12 GMT

Did Citi give you your money back? Two years of fighting what? Unless they took your money, I don't understand what you are out? Did you pay Discover?

How would I proceed? I would have moved on long ago.

Re: Checking acct messed up my discover card

virgo — Sun, 04 Jun 2017 00:51:37 GMT

My credit is great other than that. They sold to a

CA attorney.

Oh, thank you for responding

Re: Checking acct messed up my discover card

medicgrrl — Sun, 04 Jun 2017 00:56:46 GMT

Ok, so it went to collection. That's a tough thing to fight. We're you trying to pay in full and the bank held your money for months? It's hard to say what we would do without more information that lead up to collection status

Re: Checking acct messed up my discover card

virgo — Sun, 04 Jun 2017 00:57:08 GMT

So Em71, you open a checking account, pay your bills and because of a glitch your bills don't get paid and your creditors close your cards. And you would just move on?

Discover accused me of fraud when it came back as no account exists.

Re: Checking acct messed up my discover card

medicgrrl — Sun, 04 Jun 2017 00:58:40 GMT

We thought you meant the payment just didn't go thru that one time. Sounds like it was at least 120 days past due... that's the part that I think threw us both off on what you're looking to accomplish.

Re: Checking acct messed up my discover card

virgo — Sun, 04 Jun 2017 01:13:37 GMT

No worries. So, when they put the payment thru the first I came back as no account exist. When they attempted the second time, they double it to 2084.00 I didn't

have that amount and paying anything less didn't't help. I tried. They put it thru a third time and settle an email that I now owe 5037.00.

They have a policy that you can stop a payment but they didn't.

I don't think I have to tell anybody what happens when what you pay is considered only a partial payment.

This happened over a two week period. I had't even gotten the permanent debit card yet.

Again, I offered to pay the original but by then hat point, I was now considered a partial.

Re: Checking acct messed up my discover card

medicgrrl — Sun, 04 Jun 2017 01:09:50 GMT

What was the balance at the time? It's probably going to be difficult to get them to remove it because it's been almost 2 years and sounds like it's still unpaid.

Re: Checking acct messed up my discover card

virgo — Sun, 04 Jun 2017 01:18:18 GMT

The balance at the time was 1042.00. I always paid in full.

I really like Discover so one can only hope. Worst case scenario, I'll pay them and open a secured card.

Re: Checking acct messed up my discover card

medicgrrl — Sun, 04 Jun 2017 01:17:23 GMT

Why did they want twice the amount of the balance when the card wasn't late yet?

Re: Checking acct messed up my discover card

virgo — Sun, 04 Jun 2017 01:30:02 GMT

I have't the slightest idea. And I can't get an answer from them. But, I have the email alerts to back me up.

And the kicker is, my bill was't even due yet. I just wanted to free up my limit.

They still don't know why, if the computer flagged it as no account exists, then why did it accept my acct numbers and my account with the payment.

My guess is it is treated just like a paper check . You can deposit it but the computer doesn't know right away if it is bogus.

But this still doesn't explain why, when I had them talk to each when this first happened , that it was't resolved.

Sorry for the long wind.

Re: Checking acct messed up my discover card

medicgrrl — Sun, 04 Jun 2017 01:34:11 GMT

I'm just confused on why Discover wouldn't accept payment in full. If you have documentation proving that, I would file a complaint with the CFPB and upload your documents.

Re: Checking acct messed up my discover card

virgo — Sun, 04 Jun 2017 01:41:29 GMT

And I did pay the 1042.00 but they wanted 2084.00 because the 1042.00 was considered a partial .

I'm hoping when the dust clears that they will at least put closed by customer. That would look alot better than what it says now.

Thanks all for the input.

Em71, I didn't mean to sound snarky.

Re: Checking acct messed up my discover card

Anonymous — Sun, 04 Jun 2017 02:20:08 GMT

Sorry, I didn't know about the collection part. I thought that they just closed your account. I can understand why you are frustrated.

Re: Checking acct messed up my discover card

SSPA87 — Sun, 04 Jun 2017 18:02:47 GMT

@virgo wrote:
And I did pay the 1042.00 but they wanted 2084.00 because the 1042.00 was considered a partial .

I'm hoping when the dust clears that they will at least put closed by customer. That would look alot better than what it says now.

Thanks all for the input.

Em71, I didn't mean to sound snarky.

What I don't understand is that if your balance was $1042 and you went to a $1042, and you were not late on your payment, what was Discovers reason for doubling the balance to $2084? If the amount came back to them, they'd charge a NSF fee but that would be less than $50. They wouldn't double what you owe. That makes zero sense. So either something else is going on your end (was it a charge off and this was your payment plan that you were paying?) OR Discover has some serious issues. There is no logical reason why they would double your amount owed. If the $1042 was just a payment and your actual balance was much higher, then timing wise they could automatically try to pull 2 months of payments out the 2nd time around. You'd have to have a heck of a high balance though to have a $1042 minimum payment!

Re: Checking acct messed up my discover card

virgo — Sun, 04 Jun 2017 18:35:20 GMT

The first attempt by Discover came back 'no account exists'. Not NSF. So, no fee.

What did happen, however, is that the computer appears to have done two things:

1st: it flagged the checking account as fraudulent and placed a hold on accepting any payments, and

2nd: even though the first attempt wasn't technically a first attempt and subsequent bounce which didn't result in a NSF fee, the computer did still treat it as such. I was charged for a return check .

On the Citi side, they claim to not have record of a first attempt. Well, they wouldn't have record of first attempt because it came back as no acct exists.

This means I pay the payment, it doesn't go through.

Now you owe the payment that didn't't go through plus the amount the credited your account.

Discover has a courtesy of immediate credit upon payment. Maybe instead of reversing the credit, they just charged it double.

But since they now we're trying to get 2084.00, my payment of 1042 was considered a partial payment.

I keep saying payment but my actual balance was 1042.00. I always PIF.

Discover has no explanation.

Funny thing is, neither one of them are blaming and are blaming each others computer system.

Re: Checking acct messed up my discover card

Anonymous — Sun, 04 Jun 2017 18:54:19 GMT

@SSPA87 wrote:
@virgo wrote:
And I did pay the 1042.00 but they wanted 2084.00 because the 1042.00 was considered a partial .

I'm hoping when the dust clears that they will at least put closed by customer. That would look alot better than what it says now.

Thanks all for the input.

Em71, I didn't mean to sound snarky.

What I don't understand is that if your balance was $1042 and you went to a $1042, and you were not late on your payment, what was Discovers reason for doubling the balance to $2084? If the amount came back to them, they'd charge a NSF fee but that would be less than $50. They wouldn't double what you owe. That makes zero sense. So either something else is going on your end (was it a charge off and this was your payment plan that you were paying?) OR Discover has some serious issues. There is no logical reason why they would double your amount owed. If the $1042 was just a payment and your actual balance was much higher, then timing wise they could automatically try to pull 2 months of payments out the 2nd time around. You'd have to have a heck of a high balance though to have a $1042 minimum payment!

+1 and to add to OPs last post..if you pad the $1042 after the bank/discover error and Discover took back the original credit (from error) that would still bring you to a zero balance...this just isn't making sense