Date Received: 2023-09-08
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: NV
Zip: 89183
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Discover card is an fraudulent account and needs to be removed XXXX XXXX is a fraudulent account and needs to be removed Police reported as well
Company Response:
State: MI
Zip: 48185
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: Didnt give written permission to have Discover Bank or XXXXXXXX XXXX furnished on my credit report
Company Response:
State: MA
Zip: 02125
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Several times in the month of XXXX Discover called my cell phone back to back times daily each week. Even called outside of normal collection time hours per XXXX time zone.
Company Response:
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
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: Subject : Formal Complaint Against XXXX ( The Knot ) for Deceptive Practices and Breach of Contract To Whom It May Concern at the XXXX XXXX XXXX XXXX, I am writing to lodge a formal complaint against XXXX, also operating under the name " The Knot, '' for their fraudulent business practices, breach of contract, and lack of redress for affected consumers. I urge you to investigate this business, as I believe their actions not only violate consumer rights but XXXX also be indicative of a larger pattern of deceptive practices, warranting regulatory action. Deceptive XXXX XXXX and XXXX : I entered into a contract with XXXX based on explicit promises, which included obtaining an average of XXXX legitimate clients per month and support from an account XXXX. These commitments proved to be entirely false, leaving me in a precarious financial situation. Failure to Deliver Promised Services : The only leads XXXX provided were fraudulent or scam-oriented, effectively negating the supposed benefit of their service. This can be seen as a blatant breach of contract and potentially a violation of the Uniform Commercial Code ( UCC ) related to the implied warranty of merchantability. Lack of Customer Support and Transparency : My designated account XXXX vanished without notification. I was later informed that she had left the company, yet XXXX did nothing to reallocate resources or support, leaving my account unattended. Widespread Consumer Complaints : I have attached letters from the Better Business Bureau that indicate I am not the only victim of XXXX 's fraudulent practices. There appears to be a systemic issue wherein the company locks customers into contracts they have no intention or capacity to fulfill, further supporting my claim that their business practices are deceptive by nature. Unresponsiveness to Redress : Multiple attempts to contact XXXX and resolve these issues proved futile. This unresponsiveness reveals a clear absence of a redress mechanism, reinforcing their breach of good faith and fair dealing under contract law. I request that the XXXX XXXX XXXX XXXX : Conduct a thorough investigation into XXXX business practices. Hold them accountable for the fraudulent activities and breaches of contract. Consider levying fines or sanctions as appropriate. Alert potential consumers to these deceptive practices. Thank you for your prompt attention to this matter. I am available to provide any additional documentation or testimony as needed to support this investigation. Given the severe impact this situation has had on me and apparently many others, I am eager to see substantive action taken. Sincerely,
Company Response:
State: OR
Zip: 97007
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
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: MY CARD WAS LOST AND USED. CHARGES WERE MADE ON THE CARD. BANK DOES NOT WANT TO REVERSE THE CHARGES.
Company Response:
State: NY
Zip: 11418
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states that I have a right to privacy. 15 USC 1681 Section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Company Response:
State: CO
Zip: 80123
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
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: Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to file a complaint against Discover Card regarding a recent dispute I filed related to a purchase I made on XX/XX/2023. The transaction in question was made with my Discover Card, and it was for the purchase of XXXX and XXXX trading cards and a case, totaling {$320.00}. The package was delivered to me on XX/XX/2023, but to my dismay, the box was severely damaged during transit, resulting in significant damage to the trading cards inside. I immediately contacted Discover Card to report the issue and initiated XXXX disputes, providing them with all the necessary evidence, including photographs of the damaged box and cards, as well as any other relevant documentation. However, despite my best efforts to provide comprehensive evidence and details of the situation, Discover Card declined both disputes, leaving me in a difficult situation where I have neither received a refund nor the products I paid for. This decision by Discover Card has caused me financial distress and significant frustration. As a loyal Discover Card customer, I expected a prompt and fair resolution of this dispute, especially given the clear evidence of the damaged purchase and the promises of consumer protection often associated with credit card companies. I kindly request the Consumer Financial Protection Bureau to intervene and assist in resolving this matter promptly. I hope that your intervention will result in a fair and satisfactory resolution to this dispute. I believe it is imperative that Discover Card reevaluates the declined disputes and ensures a just outcome. Thank you for your attention to this matter. I am looking forward to a timely and positive resolution to this complaint. Please do not hesitate to contact me should you require any further information or assistance. I promptly contacted XXXX and XXXX ' customer support to report the issue and seek a resolution. Despite multiple attempts to communicate with their customer support team via email, I received no response. This lack of communication and unresponsiveness from the company only added to my frustration and disappointment. Furthermore, they initially offered me a full {$320.00} store credit as compensation for the damaged purchase, but I have yet to receive any such credit. I have provided all the necessary evidence, including photographs of the damaged box and cards, as well as any other relevant documentation, as requested by their support team. Unfortunately, it seems they are unwilling to acknowledge the evidence provided. To make matters worse, it came to my attention that XXXX and XXXX somehow misplaced the case with all my evidence, which only exacerbates my concerns about their business practices and the handling of customer complaints. In addition to the issues with XXXX and XXXX, I also encountered problems with Discover, my credit card provider, in resolving this matter. I filed XXXX disputes with Discover regarding this transaction, providing them with all the evidence and details of the situation. However, to my surprise, Discover declined both disputes, leaving me in a difficult situation where I have neither received a refund nor the products I paid for.
Company Response:
State: MN
Zip: 562XX
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This complaint is against Discover Home XXXX Loans. Application # XXXX. In presenting Discover Home Loans with evidence that this was a fraudulent inquiry brought on my my Identity Theft issues Discover Home XXXX loans agreed that this application was fraudulently submitted in my name. XXXX was notified. Ample time has passed and this fraudulent inquiry remains on my Credit File. This fraudulent inquiry has had plenty of time to be removed from my Credit File, but it remains. I also am requesting the complete Credit File within 30 days as allowed by FCRA.
Company Response:
State: GA
Zip: 30519
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: We have a 3rd party making our mortgage payments XXXX /Haf they have been paying since last XXXX of XXXX and will continue until XXXX of XXXX. They pay {$720.00}. I pay the difference of {$100.00} amonth. XXXX sent the XXXX payment over on the XXXX of XXXX reference # XXXX and XXXX XXXX on XX/XX/XXXX reference # XXXX. They are sent Electronically. Discover keeps saying they have not received the payments XXXX keeps saying they have accepted the money just have not applied to our account. Our case number with XXXX is # XXXX. Their phone number is XXXX. Discover Home loan account number is XXXX. Their number is XXXX. I have called Discover over 5x in the last few weeks and XXXX has called me 3 x about this. I have tried to do a 3 way call and Discover always hangs up. I dont know what else to do. Now my XXXX payment is late and I will have to pay a late fee and it goes against my credit score. Thank you XXXX XXXX XXXX
Company Response:
State: FL
Zip: 34982
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A