Date Received: 2024-01-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/XXXXI wrote discover bank the following letter Dear discover bank I am writing to inform you of my decision to exercise my rights under the provisions of 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) regarding the sharing of my nonpublic personal information. As a federally protected consumer, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I may have previously given to your institution for the sharing of my nonpublic personal information with non-affiliated third parties including the consumer reporting agencies for any purpose. I wish to exercise my right to safeguard the privacy and security of my personal information and to restrict its sharing with third parties, particularly for marketing or other purposes not directly related to the financial services I have with your institution. Please take immediate action to ensure that my nonpublic personal information is not disclosed to non-affiliated third parties and consumer reporting agencies in violation of my opt-out request. I trust that your institution will comply with all applicable federal regulations and laws, including the GLBA, to protect my privacy and information security. I kindly request written confirmation of my opt-out request, acknowledging that my decision has been processed and implemented. You may send this confirmation to the address listed above. To which they disregarded my rights and are continuing to share and report my non nonpublic information. Furthermore Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you permission to furnish this account on my credit report? Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Reverse the above late payments from my consumer report, this agency is in violation of 15 USC section 1681 Failure to respond satisfactory with reversing of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance- s616 Civil liability for willful noncompliance [ 15 USC S1681n ] Best Regards, XXXX XXXX
Company Response:
State: PA
Zip: 19464
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Purchased refrigerator XX/XX/year>. Repairs needed failed so XXXX Customer Service agreed again to repair without charge and suggested buying a warranty extension due to the issues. I authorized charging my Discover Card for the warranty extension. When I got my Discover bill they had also charged for a repair part. I was never asked for payment when the repair was made, I never authorized charging my card for a part either orally, in writing, or by signature. No charge to my Discover card appeared on the receipt evidencing the repair. I assumed that XXXX took care of any charges as they had agreed. But a charge later appeared on my Discover bill. I disputed the charge. Discover ruled in my favor and later reversed. They took XXXX 's word for it, apparently not bothering to listen to Customer Service 's recording of my conversations or requiring any proof that I had authorized the charge. So, after 37 years of using my card for thousands in purchases and without incurring any interest or finance charges, I cancelled the card.
Company Response:
State: MO
Zip: 63028
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX a registered security was submitted to this company 's Trustee for the purpose of satisfying the outstanding obligation pursuant UCC 3-603 and UCC 3-604 . A billing error notice was submitted and an instrument was tendered in good faith and with the intent to discharge the debt in full pursuant UCC 3-311. I gave beneficiary instructions along with the security stating to process the tender of payment with special endorsement for the principal account for satisfaction and discharge as well as cancellation pursuant the trust indenture for the issuer and registrar. I gave notice to fulfill fiduciary duties and perform, per the Trust Indenture agreement, Trust Indenture Act of 1939 and Securities Act of 1933. The IRS-accepted 1099-A was submitted to the company as well to legally set off the debt. My account was not adjusted properly and was closed. As a federally protected living consumer and investor, I'm exercising my legal rights and putting this matter on the record with the CFPB. I understand the importance of compliance with the SEC, XXXXXXXX XXXX and UCC rules and guidelines in relation to handling securities. So, once the forensic audit proves my XXXX number is being transferred, sold and traded and I obtain an accounting from the Department of Revenue on the public and private side, I'll file arbitration to prove my claim of securities fraud.
Company Response:
State: NJ
Zip: 07083
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Someone attempted to commit fraud by trying to open a new credit card account in my name without my knowledge. I directly contacted the credit card company, informing them that it wasn't me. They subsequently denied the application due to identity theft. The issue is that this incident is recorded as a hard inquiry on my credit report, and the denial has negatively impacted my credit score. I need assistance in removing this inquiry from my credit report and obtaining additional protection for my identity to prevent such incidents in the future.
Company Response:
State: FL
Zip: 33442
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/2023 I sent an email to Discover Executive Office of Financial Services requesting to have 5 % rewards included on monthly statements so I could keep track of my limit per quarter. The total rewards amount is clearly shown on the home page when logged in but trying to find the monthly amount allocated was impossible to find. I received an email from XXXX thanking me for my inquiry and informing me he would follow up. I then received a letter from Discover with 6 months of statements notifying me an investigation had shown when my account was opened, when the last credit card was issued and informing me Discover had reported my account to Credit Reporting Agency as disputed until I notified them otherwise. I was shocked as I merely requested the monthly rewards amount be included on monthly statements and never disputed my account or asked for an investigation of this sort. I then sent an email to XXXX XXXX, CEO and XXXX XXXX with the letter attached expressing my extreme dismay and dissatisfaction with the response I had received. I never disputed or requested an investigation of my account but merely requested the rewards be included on monthly statements. I explained how upset I was at such a response and wanted the dispute against my account lifted immediately. I asked how an employee of an organization such as Discover could be so inept with basic comprehension. Neither XXXX XXXX nor XXXX XXXX replied to my email, but I received a letter from XXXX explaining where the monthly rewards could be found on my account statement. He never apologized for his incorrect response to my initial request nor did he state the dispute had been lifted as I asked. Since I have a paperless account, I follow my charges on the homepage which does not include the monthly rewards. In order to find the monthly rewards, a customer has to open the pdf statement and scroll to the third page to find that information which is not convenient. However, XXXX should have simply said that initially and should never have instigated an investigation and dispute providing me with excess information I was well aware of and never requested.
Company Response:
State: WY
Zip: 82604
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: In XXXX or XX/XX/XXXX, I received a phone call from Discover stating that my account was past due. When Discover gave me the last four digits of the card number, I told them that I did NOT have a Discover card ending with those four digits. They told me the account was opened in XX/XX/XXXX using my name and " other identifying information ''. I told them that it WAS NOT ME and that someone else opened a card using my name. I requested that they mark the card as fraudulent/close the account. In XX/XX/XXXX, I received a statement from Discover stating that I was responsible to pay the charges for the fraudulent card in the amount of {$2600.00}. I called Discover again and asked them to open up a dispute case. By XX/XX/XXXX, they sent another form letter stating that the account and balance were considered valid. I called Discover again... basically the same conversation. They opened another dispute case. Again, I received a letter from Discover ( on XXXX XXXX, XXXX ) stating that I am responsible for the charges. I was NOT the person who opened the account, nor did I make the charges. I can not seem to get Discover to listen to me as a person ; I continue to get the run-around from Discover when they are the ones responsible for authorizing a card to someone other than me. When I asked for the address that they sent the card ( because it was not sent to my address ), they would not disclose that ... '' to protect the privacy of the other person. '' Discover asked me if I knew of a person named XXXX XXXX. I do not. Discover told me that this person was added as an authorized user for the card!
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Someone made fraudulent purchases with my Discover card and after reporting it as such to the company, they are denying my claim and telling me that I am now responsible for paying it... It's a {$9000.00} charge made on XXXX XXXX XXXX XXXX XXXX and I have no idea what this company even is so there's no way it was an accident or something on my part. Someone got access to my personal information and then made this purchase... It's not me and I'm not going to be paying it. I am reporting it to the proper channels and going through with a lawsuit if I don't have this money returned to my account.
Company Response:
State: MD
Zip: 21044
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I noted that no matter how much I paid to bring down my credit card balance, the cash advances listed kept increasing. I called Discover and asked to be able to pay off the cash advance balance, but was told they could not accept that because of their " payment protocol. '' I wrote a letter asking for a listing of all the cash advances and their dates. No response was received via mail, but did receive an email asking me to call their number. I called and upon inquiring on the cash advances, was told the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$100.00} plus fee, total of {$110.00}. All these cash advances total {$760.00}, but notwithstanding my higher than scheduled payments, I am currently listed as having a cash advance balance of {$1700.00} as of the XX/XX/XXXX statement, more than double the original cash advances. This is usurious in the extreme. The last payment I made to the credit card balance was {$1000.00}, but it did little to reduce the cash advances. I am quite willing to pay off the cash advance balance, but Discover will not accept my doing so, clearly because they make more money adding interest to the original balance.
Company Response:
State: CA
Zip: 94115
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/XXXX Approximately XXXX in the afternoon I received a phone call from Discover bank. I picked up the phone and a woman on the line began to proceed to tell me that she was from Discover and that she had to verify a recent transaction the was flagged. She asked for my full name, last four digits of my social security number and my mothers maiden name. She then told me she was sending a code to my phone to verify that I was who I am and had to read her the verification code. She said she verified that i was the account holder and began to go over the flagged transaction. The transaction was from a XXXX in Texas for a small amount of money. I told her that I did not authorize this and it was not me. Next she told me that she will go ahead and put a hold on my account so that no other purchases were made. She then asked me to go over my recent purchases with her and began to ask me was this purchase at _ you? and went over about 10 recent purchase from the days before. The only purchase I didnt recognize was from XXXX XXXX She then asked me if I recently used my debit card to pay for gas at a gas pump at XXXX in XXXX, MA. I said yes i did, and she the proceeded to tell me that my card may have gotten skimmed at the pump and told me to never use my card at the pump unless its tap to pay, or go inside the gas station to pay with my card. She proceeded to tell me that they were going to put a freeze on my account and that it would be locked. They would initiate a refund for the money that was spent at the XXXX and that i would see it in my bank in the next 3/4 days. The woman also told me that she will proceed to call me in the morning to follow up with all new bank account numbers and that she will put in a request to receive a new debit card. The phone call ended with her scheduling me a time the following day that she will give me a call. I told her XXXX XXXX would work for me and she agreed to call me back at that time the next morning. XX/XX/XXXX Around XXXX XXXX. I receive a call showing Discover Bank on my phone. I pick up the phone and it was the same lady from the previous day that called me. Again she asked my last 4 digits of my social, my mothers maiden name and sent me a code to my phone to verify that it was me. She told me she was calling to inform me that overnight a wire transfer had been made on my account and that she needed to verify that it wasnt me that made the transfer. I told her it was NOT ME and asked why wasnt my account locked? She proceeded to tell me that the wire must have gotten submitted before my account was locked and that she would submit a wire recall. The total amount wired out of my account was {$14000.00}. The money was in my savings account, transferred to my checking account, and then wired out. She told me that because the wire was submitted overnight it wouldnt have gone through and that submitting the wire recall I would be all set. She told me that my account was locked and asked if i wanted a new debit card sent via XXXX to my address. I said I would like the new card and all new account numbers. She told me she will call me back back in the afternoon with all new account numbers and to verify that my new debit card was send. XX/XX/XXXX I did not receive a follow up call from the previous day and called Discover Bank in the morning of XX/XX/XXXX. They had me verify my information again asking last 4 digits of social, mothers maiden name, and sent me a code to my phone to verify it was me who they were talking to. I asked them about my account and why i didnt receive a follow up call. They looked into my account and their call records and told me that no one from Discover called me and they instantly transferred me over to the fraud department. They told me the person who called me the past two days was definitely not from Discover and told me it was someone impersonating them. They told me that the scammer can hide their real number and make it come up as Discover Bank on my phone. They then locked my account and issued a wire transfer recall. They told me that the money was sent to a XXXX XXXX XXXX XXXX account and that there was a possibility of me receiving my money back. They gave me all new bank account numbers and sent me a new debit card which I received about a week later. They told me they set up an investigation and that I might not receive any information about my money for up to 3 weeks. I called and followed up with the fraud department almost every week. Almost 3 months of calling Discover and asking about the fraud case I finally received an answer that Discover was not able to receive the funds back from the XXXX XXXX XXXX XXXX account that the money was wired too and told me there was nothing else they could do. They told me to file a police report but that was all they recommenced I could do. The fraud case number is # XXXX
Company Response:
State: MA
Zip: 014XX
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Other transaction problem
Subissue:
Consumer Complaint: ATTN : Consumer Finance Protection Bureau On XX/XX/year>, I received a call at XXXX XXXX MT appearing to be from Discover Banks phone # ( XXXX ) to alert me of fraud on my account. I was told a wire transfer had been initiated and was flagged because it was in XXXX CA. I did not initiate the transfer so I alerted the representative that it was in fact a fraudulent transaction. I was assured that an investigation would be opened and my money was safe. Someone with the last name of XXXX was mentioned and I alerted the caller ( who pretended to be a Discover representative ) that I was not familiar with this person. I was told my debit card was still active, but the online portal was frozen to protect me. I received another call at XXXX XXXX MT, appearing to be from Discover, to follow up and let me know that the transaction was still being investigated and that Id get another call around XXXX. At XXXX XXXX MT, I received another call, appearing to be from Discover, alerting me that the transaction was still being investigated, that the online portal would be unfrozen, and that, due to my being at work, Id receive another call at XXXX MT. I did not receive this last call from the person, who appeared to be calling from Discover. Around XXXX I went to the Discover Bank online portal to verify that the funds were still in my account and to change my password. I was unaware of any way fraudsters could have obtained my banking account details to initiate a transfer. Quite literally, Id never known this information before, nor had I ever entered it anywhere before with the exception of possibly using this information with XXXX XXXX. My only transactions using this bank account had been with XXXX XXXX and I believe there were no more than 3 transactions in the history since opening this Discover bank account. When I changed my password and accessed my account, {$2000.00} plus a transaction fee was missing from my account and it was obvious that the funds had been transferred by wire transfer to the fraudsters. I immediately searched my inbox for emails and found two emails stating that the wire transfer had been initiated at XXXX and was sent at XXXX XXXX. Then, I immediately called Discover Bank to find out what the heck was going on still not understanding that the calls I received were from fraudsters, not Discover Bank. From this point on, it became clearer that this was mishandled. First when I called about the fraudulent wire transfer, I was told to call back the next day when the investigation unit was in. I called again the next day and I was told an investigation would be opened. But, I was under the impression an investigation had already been opened by the callers who I eventually realized were the fraudsters. Either way, I had called the bank to alert them of the fraudulent wire transfer the day the fraudulenet wire transfer was initiated and again the next day. I spoke to multiple departments and multiple people alerting them of the fraudulent wire transfer. Id immediately alerted the wire team and the investigation team of the fraud. I also called the main line for Discover and alerted them to the situation. During one of these calls, Id learned that someone had called the automated system on XX/XX/year> to do a balance inquiry and the caller had been successfully authenticated on this call. This caller was not me, it was the fraudsters. It seems the phone # used could be located, along with the name on the bank account my monies went to, right? On the XXXX, I learned the wire was sent to a XXXX XXXX and Discover Bank said they knew the account # it was sent to. After my call on the XXXX, I was told a recall was put in on the transfer. I was told that there was no estimated timeframe for the outcome into this case and there was no guarantee Id get my money back. WHAT??? Believing Discover was supposed to be a top-notch bank, I assumed this would all be worked out and my monies would be returned to me. For security reasons, I had my debit card linked to a new account #. Id changed my password. I also added a security question that needed to be asked when any activity on my account was initiated. Ive never entered this account # anywhere that Im aware of that could have provided the details to fraudsters such as phishing emails. I never really used this bank account outside of 3 transfers w/XXXX that were some time ago and I do not have checks or any other information about that would have made my account details easily accessible to anyone. I believe my account details mustve been leaked by Discover Bank or XXXX. I alerted the bank the same day the fraud occurred and again the next 2 days. I sent and faxed letters alerting the bank of the fraudulent wire transfer and requested my monies be refunded.which THEY WERE NOT. On the XXXX of XXXX, 4 days after the wire transfer was initiated, I received a message in my online bank account portal ( under my newly assigned bank account # ) that said the transfer was completed. HOW WAS IT COMPLETED 4 DAYS LATER WHEN I ALERTED THE BANK OF THE WIRE TRANSFER BEING FRAUDULENT AND A RECALL WAS PLACED ON THE TRANSFER???. I have absolutely no idea how my bank account information would have been obtained by fraudsters. But, I Iearned from one Discover Bank representative that fraudsters were authenticated through the IVR using my details. I later was told the only way they could have been authenticated, is with my personal details and and possibly spoofing my phone #. I filed a police report, but it is now inactive as I couldnt provide any details about who stole my money. The bank had the banking institution and an account # that the fraudulent wire transfer was sent toand could have stopped the transfer but they obviously did not. I was robbed. I want my money reimbursement from Discover bank. What also really upset me is that Discover closed my investigation stating the reason as me not opening the account - so a new account had been assigned to me- which was NOT RELEVANT TO ANY OF MY CALLS OR ALERTS. I am livid. From, A concerned citizen and identity theft victim
Company Response:
State: UT
Zip: 84104
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A