Date Received: 2023-09-17
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! Dates that the fraudulent activity occurred : XX/XX/2018. I have filed a fraud dispute with Discover Credit Card XXXX and requested an investigation twice, but they denied my claim both times. I am a victim of identity theft and an estimate of {$5000.00} was taken by my company and I was required to pay balance, and this has affected my credit score. The company recently emailed me admitting that they charged my card incorrectly, which I will attach as a document. I have submitted this to Discover as well.
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XXXX XX/XX/XXXX I received a warning from XXXX XXXX XXXX that Discover Card had reported me for an unpaid bill after 60 days due. I have had a Discover card since XXXX, and I have never missed a single payment, so I thought it was fraud. Though I use the credit card irregularly, I had agreed to paperless billing on the conditions that they would send me email alerts when a statement was posted or a bill was due ; I have always paid the full balance of the statement before due date. I attach screenshots of the XXXX report ( via XXXX ) and of the Discover website with checkmarks showing that I was due to be sent these email alerts to my work email ( which has not changed ). I also attach a screenshot with a search for all incoming Discover emails. It shows that I received none of these required notices after XX/XX/XXXX. I called Discover Card immediately. I found that my husband had used the card twice in XXXX of this year, and I would have paid for them as soon as the statement came due - but Discover sent me no notices of posted statements or bills due. As I use the card infrequently, I noticed nothing wrong, since they don't post statements if the card isn't used, and as they no longer send paper statement, I had no idea that the bill was due. What is more, they obviously could contact me, since they were sending me advertisements for their services and new cashback bonuses. Their representative agreed to eliminate the penalties I had been assessed over the past XXXX months without knowing it, as she admitted that their web service department had always had the correct email address for me, and that I had required that they notify me of statements and bills due, and they had not done it. In fact, I paid the full bill due, with penalties and interest, that very moment online, in order to make sure that they could not hold it against me that I had not. ( I have no idea whether I will really get the unfair penalty payment back, as she agreed, since I no longer trust Discover card. ) But she refused to notify the credit agencies that this delinquency in payment was due to an error on Discover 's part, not on my part. This means that Discover has ruined my otherwise perfect credit rating, due to their own incompetence, and they refuse to admit it or make recompense for it.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Account name DISCOVER BANK Date opened XX/XX/2016 Balance - {$750.00} Account name XXXX Date opened XX/XX/2016 Balance {$150.00} To express my deep concern and frustration regarding the continued presence of a fraudulent & inaccurate information on my credit consumer report. These accounts were made without my consent or authorization and has caused significant harm to my financial reputation. Despite my persistent efforts to rectify the situation, including MULTIPLE disputes, filing a police report, and submitting an identity theft report, the fraudulent charges has not been removed from my consumer report.
Company Response:
State: TX
Zip: 77054
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Regarding : Your Correspondence NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT I, a living man, in body, mind, and spirit, hereby address your recent correspondence concerning an alleged debt account. I conditionally accept said claim upon proper verification, noting a fact that you do not possess my legal God given signature, autograph, or a specific contract with me. This alleged contract you have stored is void as you read this sentence. You have no jurisdiction over me, I demand that you stop your annoying efforts trying to collect this alleged debt from me and stop transferring my private data now. The most high lives in me, I am not playing games with you. In order to validate the alleged debt fully, I require Discover Financial Services to provide the following immediately. 1. A valid, legally binding contract, signed by all parties involved, demonstrating bilateral consent. I assert that I am not required to pay the alleged debt, as I can not, in any way, shape, or form, be compelled to do so due to my status and equality as the child of the Most High. The use of the term " alleged '' is, in fact, heresy, and your continued efforts to collect this debt are deeply disrespectful to the Creator. This is not a soft request but a demand to cease all debt collection activities against us. It is indeed your choice if you do decide to be ignorant to the words that I express to you. 2. A true and certified copy of the complete audit trail of the account, including proof of the alleged loss and who my data was transferred to. I emphasize that this demand is not a mere plea but a command to halt your illegal activities. Our status is non contractable with anyone we choose, and I even retain the power to uncontract with the Most High if I so decide. 3. Audit certification of the debt entry in accordance with Generally Accepted Accounting Practice ( G.A.A.P. ), International Financial Reporting Standards ( I.F.R.S. ), the Basel III accord, and the United Nations Commission on International Trade Law ( UNCITRAL ) conventions. I will not tolerate further disrespect, and we will spend the necessary time sending a non-negotiable invoice with a demand for remedy according to the law. 4. A copy of your Tax Registration certificate. Failure to substantiate said claim within thirty ( 30 ) days of recorded delivery of this Notice shall constitute legal/lawful Accord and Satisfaction, settling and closing all alleged claims. In this event, we reserve the right to charge damages against Discover Financial Services, in their private capacity, under their full commercial liability, for any unverified claims presented thereafter regarding this matter. We wish to remind Discover Financial Services that the burden of proof always lies on the claimant. I stand firmly in my capacity as a powerful man created by God, and I demand that any actions taken by Discover Financial Services be in full accordance with the law. Note : This is the last time I will send a message requesting a soft resolution for you to stop your illegal debt collection practices. God himself will send another demand for remedy if you choose to violate me as a living man of God, any further. change the status of the reporting immediately. It is essential to establish that this account has no legally binding contract bearing my legal signature or autograph, and therefore, no valid agreement exists between me and Discover Financial Services. I have found it disconcerting that despite the clear absence of such a contract, your organization persists in its attempts to collect on this alleged debt, which I view disrespectful, and holds particular weight in matters of living individuals and their unalienable rights. The absence of a valid, legally binding contract, as well as the failure to provide proper legal verification of this debt, leaves me clear with no obligation to make any payment. I want to make it abundantly clear that my status and equality as a creation of the Most High make it impossible for me to be compelled to pay this alleged debt. In light of these obvious facts, I consider this letter as the final and unequivocal attempt to resolve this matter amicably and within the bounds of the law. Failure to cease your illegal debt collection practices will result in another submission of a non-negotiable invoice for remedy according to the law. It is important to understand that this matter is now legally/lawfully closed and properly settled. Furthermore, Discover Financial Services or any of its agents, principals, or assigns, by their failure to comply, have tacitly agreed to the terms and conditions outlined below : 1. That the alleged debt is not obligated to any party, or has been settled in full. 2. That Discover Financial Services or any of its agents, principals, or assigns shall be held culpable for any damages I suffer, in their private capacity, under their full commercial liability. 3. That any negative remarks related to this matter on my credit report shall be promptly removed. 4. That this matter is considered permanently closed. 5. That no debt has been proven, and if Discover Financial Services or any of its agents, principals, or assigns sell the alleged liability again, they shall be deemed to have breached this agreement and shall agree to the terms of the Fee Schedule attached. Please be aware that these terms represent a legally binding agreement, and any failure to comply will result in further action. This issue is now considered resolved, and I expect full and prompt compliance with the conditions outlined herein. Any further communication from Discover Financial Services should pertain solely to confirming your compliance with these terms. Sincerely, [ XXXX ] 'Without Prejudice UCC 1-308 ' ]
Company Response:
State: FL
Zip: 32566
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I last made contact regarding the past due status of this account inXX/XX/2017. That is the date that should be reflected on my credit report. Discover Bank has changed that date to XX/XX/ after they decided to issue a tax write off document to the IRS. Therefore extending my eligibility to remove this off my credit report by an additional five months. I had the same thing happen with XXXX XXXX Bank and they did not change the last activity date. Request justification for this extension of time.
Company Response:
State: FL
Zip: 33771
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX SC XXXX ] [ Date ] [ DISCOVER BANK ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX UT XXXX ] Subject : Dispute of Inccurate Information Under 15 USC 1681b and Request for Blocking Under 15 USC 1681c-2 Dear [ XXXX XXXXXXXX ], I am writing to formally dispute inaccurate information contained in my credit report, as permitted by the Fair Credit Reporting Act [ FCRA ], specifically under both 15 USC 1681b and USC 1681c-2 . This dispute pertains to the information reported by your agency under the permissible purposes outlined in 15 USC 1681b, as well as my request for blocking information related to identity theft under 15 USC 1681c-2. I recently obtained a copy of my credit report from your agency and have identified the following inaccuracies : Account Name : [ DISCOVER BANK ] Account Number : [ XXXX ] Date of Reporting : [ XX/XX/2023 ] Description of Inaccuracy : [ Describe the inaccuracy, such as incorrect balance, late payment account status ] Under XXXX XXXX XXXX, consumer reporting agencies must ensure that the information they report is used for permissible purposes only. I am disputing the accuracy of this information it has a significant impact on my creditworthiness. I request a thorough investigation into the accuracy of this information as required by 15 USC 1681b. Additionally, I suspect that this inaccurate information may be a result of identity theft, which falls under the provisions of 15 USC 1681c-2. To address this concern, I kindly request that you investigate the possibility of identity theft and block the reporting of this information if it is found to be a result of such unauthorized activity. Enclosed with this letter, please find copies of supporting documents that demonstrates the inaccuracies in the information being reported. These documents include [ list any documents you are attaching, such as payment records, correspondence, or statements ]. I request that you promptly investigate this matter in accordance with both 15 USC 1681b and 15 USC 1681c-2 and provide me with a written notification of the results of your investigation, including any corrections made to my credit report and actions taken under 15 USC 1681c-2 . Failure to comply with these legal requirements may result in further action to protect my rights under the FCRA. I appreciate your immediate attention to this matter and expect a timely resolution. You may reach me at [ XXXX ] or [ XXXX if you require any further information. Sincerely, [ XXXX XXXX XXXX XXXX ]
Company Response:
State: SC
Zip: 29461
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/2023 Discover shows an an inquiry on my credit report This was unauthorized and I didn't request any of this company 's services.
Company Response:
State: IL
Zip: 60652
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I have recently started dealing with a debt consolidation company. I have informed my credit card company of this and updated contact information as suggested. Discover continues to call but now also calls my work. Every Day. I have never given them my work number or contact information. It is not listed on my account as a point of contact either.
Company Response:
State: IN
Zip: 473XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I began using the Discover student credit card about 6 months ago and have awaited my credit score from the credit bureaus. However, despite checking multiple times, I have not seen any activity, credit history, or credit account listed on my XXXX or any other credit bureau 's website. Initially, I thought it might be because I was new to credit and it was my first credit card. But after hearing from others who reported seeing their card and activity listed within three months or less, I became uncertain about the issue. I tried to address any potential discrepancies in my information, such as my address or name. However, as I can see both hard and soft inquiries, I believe my account has been correctly identified. Nonetheless, the credit card and its associated activity have not been registered, resulting in the absence of any credit score. My initial suspicion was that Discover might not be reporting my account, but after confirming with them several times, they have assured me that reporting is done in every cycle, including off-cycle reporting. During my last contact with Discover, they initiated a case to investigate the issue. However, I still remain uncertain about why I can not see my credit card loan and activity listed on the credit bureaus ' accounts, even after reporting has allegedly taken place.
Company Response:
State: CA
Zip: 90746
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/2023 I was looking at a pharmacy website for gift cards and saw an ad for gift cards. Clicking on this ad brought up ransomware which locked up my XXXXXXXX PC. I tried to shut down the PC by pushing the power button several times but I was unable to turn it off. The laptop has a battery deep inside and I could not get it out to shut it down. On the front of the screen was a note that said to call XXXX tech support to help remove the virus. The phone number was XXXX which is the official XXXX tech support number. I called this number and thought it was XXXX, but it was a scammer. Somehow the virus had corrupted my phone and I was speaking to a scammer who claimed to be a XXXX employee and promised to catch the criminals and remove the virus. That was a lie. He proxied into my computer and showed me that someone in XXXX had used my credit card ( I recognized my credit card account number ) to buy {$15000.00} worth of illegal child XXXX. This number was linked to my name and address. Unless i sent the scammers {$15000.00} of gift cards to reverse the XXXX transaction, the police would come to my home, arrest me and put me in jail. He said I had 2 hours to buy the gift cards and give them all the numbers from the back. I knew the penalties for child XXXX so their repeated threats were very upsetting. I tried to call my credit card companies to confirm that this payment would reverse the transaction. When I called the phone numbers on the backs of my 2 credit cards, I got the same story that the criminals told me because the scammers had corrupted my telephone connections! Then the scammers sent me to the XXXX XXXX where I bought two {$2000.00} gift cards and one {$1000.00} gift card. The first attempt failed when i tried to use my XXXX XXXX XXXX credit card. The transaction was declined. Then I tried Discover credit card and those transactions went through. Discover card advertises their {$0.00} Fraud Liability Guarantee which says you are never responsible for " authorized '' transactions. Discover card claims they " protect you from fraudulent charges '' But now they claim that this transaction was " authorized '' by me. So, I looked up the dictionary definition of fraud : " The crime of obtaining money or property by deceiving people '' or " the crime of using dishonest methods to take something valuable from another person '' Thus, I am a victim of financial fraud. Discover card bank should have declined these unusually large, multiple gift card transactions, just as XXXX XXXX XXXX had done. But they did not. Instead, I got a full page letter dated XX/XX/XXXX from Discover bank explaining how sophisticated scammers have become and that I must pay up. I feel Discover bank is negligent because they have not protected their customers from fraud as they promised to do in their written advertising. As of XX/XX/XXXX, I have not yet been fined for not paying this extortion because Discover has decided to further investigate my dispute, even after sending me the letter of XX/XX/XXXX described above. Discover needs to update their computer system to detect fraud and decline suspicious transactions, similar to how other credit card companies do.
Company Response:
State: PA
Zip: 19380
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A