Date Received: 2023-09-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: As of right now the following the companies are reporting income to the XXXX top credit reporting agencies XXXX, XXXX and XXXX. XXXX XXXX XXXX XXXX, Discover Bank, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX is not part of any of XXXX, XXXX or XXXX credit reports. This needs to stop immediately. According to XXXX 's own web site It states " Your credit history does not include income information. See provided upload. And according to the IRS web site publication 525 and 4681 see provided uploads The IRS clearly makes it known that XXXX is to be considered income. And as such income is not a debt and income can not be reported to the credit reporting agencies. Therefore the XXXX ( XXXX ) XXXX 's uploaded along with the IRS publications and as well as XXXX confirming that income can not and does not get reported to the credit reporting agencies. XXXX, XXXX and XXXX must remove deleted all income from being reported to my credit reports In summary it is abundantly clear by all parties IRS, that cancelled debt XXXX is considered income and according the credit reporting agencies themselves income can not should not and does not get reported to the credit reporting agencies. thank you.
Company Response:
State: FL
Zip: 34606
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I noticed unauthorized inquiries on my consumer report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed.
Company Response:
State: TX
Zip: 75206
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have fraudulent credit cards opened in my name which needs to be removed from my credit file. I am still a XXXX XXXX soon and had no idea there were fraudulent credit cards opened in my name.
Company Response:
State: MD
Zip: 20886
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
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: I made a purchase with XXXX XXXX on XX/XX/XXXX for {$130.00} USD for video game controllers. The company did not show any indication that the product would be delivered other than an update e-mail in XX/XX/XXXX that said orders were delayed. Since then the company has gone silent and multiple customers have come forward saying their orders were not fulfilled. I opened a dispute with Discover on XX/XX/XXXX to resolve this fraudulent transaction and they closed the dispute as a valid transaction on XX/XX/XXXX. There is no indication they received any communication or documentation from XXXX XXXX. When I contacted them on XX/XX/XXXX to appeal their decision they told me to reach out to XXXX for more information. XXXX still shows this as an open billing chargeback case under review, they were unable to provide more information at this time.
Company Response:
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/23 I sent my payment of {$7200.00} to Discover Bank and asked for written instructions for the acceptance and completion of payment to be done within XXXX business days. There has been no response from the company.
Company Response:
State: CA
Zip: 95822
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have tried to open an checking account at the discover bank seeing that I can open an savings account with them. They refuse due to the inquires on my XXXX XXXX file. I have been fighting XXXX XXXX to get my report and score to due disputes and see whats there and it took 6 months to finally get to sign in and now i cant see nothing on my report and notable to use the tools on their website. also finally recieved my report from XXXX XXXX and no report is found from any banks nor credit unions. On the other hand I have a ton of inquiries from trying to open an check account. Not being able to obtain one for the score they are reporting due to the inquiries is the problem, I have disputed the inquiries but they state they dont report a score and the inquiries should not be a problem. I tried contacting discover and they state they cant supply an answer for why they wont open the checking account and to contact XXXX XXXX. it is a burden to me and not getting no resultion.
Company Response:
State: GA
Zip: 31909
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Following inquiries, were never applied to from me, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
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 purchased digital gaming goods from XXXX. I was given a 4 letter code through the statement of the charge to verify my purchase and be able to withdraw my digital items out of XXXX website. Upon trying to withdraw the items I found out I needed to wait an additional 5 days in order for my XXXX account to accept trades from XXXX. On the second day after purchasing the items I found out my account was banned on XXXX preventing me from attempting to withdraw what I paid for. I started a chat with their support team on XXXX and they proceeded to tell me I needed to verify my purchase by falsely claiming they were required by law to ask for my documentation ( ID, selfie with ID, and my card I used for the purchase ). I declined to give them my information so I asked them to issue me a refund on XX/XX/2023. I was then ignored for countless days with no help at all. I told them if they did not issue me a refund without me having to verify my documentation with them that I would file a dispute with my bank. I proceeded to file a claim with my bank where my bank decided to rule in the merchants favor stating the purchase was valid because they loaded funds to my account. I never loaded funds to my account, I clicked on the items and clicked the " Buy '' button where I was taken to a screen to input my bank information to make the purchase. My bank refused to open up the claim again with countless more evidence I provided them with why I still have not received what I paid for. My bank keeps telling me if I have anything in writing stating XXXX will offer me a refund they can help me. Wouldn't you think if I had something like that they would have already issued me a refund by now without the help of my bank. I also requested the refund 2-3 days after I made the purchase which falls in the 14 days XXXX offers refunds in their terms and service. I would also like to note that XXXX does not have anything in their refund policy stating they need to verify my documentation before issuing a refund. I believe my bank is failing to understand my issue and refusing to help me, their customer, get my money back for something I did not recieve. XXXX has since deleted every message I had with them on their website and have since stated my account will remain banned permanently and that I will not be able to withdraw what I paid for because I " falsely disputed '' against them which is not true at all.
Company Response:
State: CA
Zip: 91042
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
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: I ordered a XXXX XXXX XXXX XXXX XXXX from XXXX. On XXXX XXXX it arrived. It comes boxed up and wrapped. Upon unboxing and unwrapping, I found the bike to be damaged and beat up. I brought this up to the vendor and they had nothing to say. I then assembled the item and it did not work or turn on anything. The bike was certainly pre-owned or used as a parts bike as I had multiple professionals take a look. It cost me over {$1000.00} in parts and labor to even make it close to working correctly. XXXX claimed I was buying a brand new bike with a XXXX warranty. I GOT NONE OF THAT. They also have stopped responding to all emails since I left bad feedback on their google page. I opened up a dispute with DISCOVER in hopes of rectifying this issue. I provided Discover with every single email, along with them responding to others saying they " Have a 3 month warranty no questions asked '' I provided Discover with 20+ documents. Then XXXX responded to Discover with what appeared to be an illegible written note. Discover ruled in my favor. Then about 3 weeks later I checked the dispute and Discover ruled in the merchant 's favor and they refused to talk to me or provide any evidence. I tried explaining to discover that yes I received AN ITEM but not what I purchased. I received something very different that cost me A LOT of money. XXXX actually emailed me saying that since i left bad feedback on XXXX, they were no longer going to help me or provide any credit. Their warranty states i should be credits for PARTS AND LABOR. Discover now will not respond to me or provide me with any additional information. They also will not let me appeal the decision I was defrauded by XXXX and now the same with Discover. They will not listen to me, help me, or hear my side of the story. XXXX was allowed to submit handwritten evidence that could not be read, and then was given another 30 days to respond, but discover ends online chats early with me and ignores me on everything. This should seriously be investigated. I would challenge XXXX with a 93A violation in the commonwealth of Massachusetts.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A