coopersdad
Footballguy
Sorry for so long.....
Back ground:
So about a month ago someone tried to steal my credit identity and take out a loan. So I've frozen my credit at all 3 agencies, but for the last month I get a ton of texts / phone calls to try to get me to "finalize" my loan applications. Experion just told me to ignore / block all the calls and texts as if you reply then they'll know that they have an active number. This comes into play yesterday.
Jump forward to yesterday.......
My 2 sons (college and Sr. in HS) are authorized users on my Discover card and have their own card. Easier than giving them cash, and that way they have a card in case of emergencies.
So last night the oldest son is at school (out of state) and is trying to get gas. His card gets declined. Luckily he has his own debit card, and he pays with that. He calls me to let me know that something was wrong w/ the discover card. I'm at school board meeting, so I tell him I'll look at it later.
About 45 minutes later, younger son is coming home from baseball training about an hour away from our house. He's by himself and stops to get a drink and gas. His card is denied. He drives to a second station. Same issue. So he calls me and I have to drive up there to pay for the gas to get him home (note to self, will be giving him emergency $20 to put in glove compartment).
I call discover on the way home and ask "WTH has there been fraud on my account and you've frozen it"? I've been w/ them for 24 years. Credit rating is A on all 3 agencies. They look into it and say that I need to call back in the morning as the department handling this "issue" is closed. I ask, "what issue", but they can't tell me but they inform me that it "is not fraud". They tell me to look in my email or voice mail. So I look at my email and yes I did receive one. I got it yesterday at 3pm and it said "your card is being placed on hold until you fill out the attached IRS form". And I did get a call (that I didn't answer) about the same time w/ the message of "this is discover please call XXX regarding your credit card".
I filled out the form last night at around 1030pm.
So I call back this morning. Seems that they are doing a "routine" process where they get information from the IRS verifying income / etc. I tell them that I've filled out the form last night so "unhold my card". Also tell them that the income that they are going to see on my 2019 and 2020 returns are way more than what I used to obtain said card. He tells me that due to COVID at the IRS, this process may take up to 2-4 weeks. I'm like WTF???????
I have an issue with them accessing my tax information (for security purposes as we all know that the more places your information is the more likely it is to be hacked), but if that the process that we have to go through then fine, but to say "your card is on hold" immediately..............as opposed to "in 2 weeks your card will be placed on hold so please be aware". I asked "what if I was out of a job, had no cash, and this was my only credit card............I'm not going to be able to purchase anything for the next 2-4 weeks"? He had no answer.
Anyone else had an experience with something like this?
Needless to say, I vented to customer service (after telling him I was not mad at him, just the policy that is being followed) and am now expecting a call from some type of "supervisor" in the next 24-48 hours.
Maybe I'm just and old man yelling "get off my lawn".
It will all be fine. It does not cause me any issue other than telling oldest to not use the discover, and giving my youngest a different CC, but still I'm miffed at how this can be a a well thought out plan.
Back ground:
So about a month ago someone tried to steal my credit identity and take out a loan. So I've frozen my credit at all 3 agencies, but for the last month I get a ton of texts / phone calls to try to get me to "finalize" my loan applications. Experion just told me to ignore / block all the calls and texts as if you reply then they'll know that they have an active number. This comes into play yesterday.
Jump forward to yesterday.......
My 2 sons (college and Sr. in HS) are authorized users on my Discover card and have their own card. Easier than giving them cash, and that way they have a card in case of emergencies.
So last night the oldest son is at school (out of state) and is trying to get gas. His card gets declined. Luckily he has his own debit card, and he pays with that. He calls me to let me know that something was wrong w/ the discover card. I'm at school board meeting, so I tell him I'll look at it later.
About 45 minutes later, younger son is coming home from baseball training about an hour away from our house. He's by himself and stops to get a drink and gas. His card is denied. He drives to a second station. Same issue. So he calls me and I have to drive up there to pay for the gas to get him home (note to self, will be giving him emergency $20 to put in glove compartment).
I call discover on the way home and ask "WTH has there been fraud on my account and you've frozen it"? I've been w/ them for 24 years. Credit rating is A on all 3 agencies. They look into it and say that I need to call back in the morning as the department handling this "issue" is closed. I ask, "what issue", but they can't tell me but they inform me that it "is not fraud". They tell me to look in my email or voice mail. So I look at my email and yes I did receive one. I got it yesterday at 3pm and it said "your card is being placed on hold until you fill out the attached IRS form". And I did get a call (that I didn't answer) about the same time w/ the message of "this is discover please call XXX regarding your credit card".
I filled out the form last night at around 1030pm.
So I call back this morning. Seems that they are doing a "routine" process where they get information from the IRS verifying income / etc. I tell them that I've filled out the form last night so "unhold my card". Also tell them that the income that they are going to see on my 2019 and 2020 returns are way more than what I used to obtain said card. He tells me that due to COVID at the IRS, this process may take up to 2-4 weeks. I'm like WTF???????
I have an issue with them accessing my tax information (for security purposes as we all know that the more places your information is the more likely it is to be hacked), but if that the process that we have to go through then fine, but to say "your card is on hold" immediately..............as opposed to "in 2 weeks your card will be placed on hold so please be aware". I asked "what if I was out of a job, had no cash, and this was my only credit card............I'm not going to be able to purchase anything for the next 2-4 weeks"? He had no answer.
Anyone else had an experience with something like this?
Needless to say, I vented to customer service (after telling him I was not mad at him, just the policy that is being followed) and am now expecting a call from some type of "supervisor" in the next 24-48 hours.
Maybe I'm just and old man yelling "get off my lawn".
It will all be fine. It does not cause me any issue other than telling oldest to not use the discover, and giving my youngest a different CC, but still I'm miffed at how this can be a a well thought out plan.
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