Date Received: 2023-09-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I hereby dispute the current payment status and remark comment associated with my credit report for DISCOVER BANK for a Credit Limit of {$9000.00}. The remark comment indicates " Payment after charge off/collection, '' and I believe that this information is inaccurate and does not reflect the true status of this account. The extended duration of the inaccuracies in my Payment History for Current Payment Status and Remark comment serves as evidence that the credit reporting agency and the furnisher knowingly and recklessly violated the FCRA. I would like to clarify the following points : Payment History : Contrary to the remark comment, I want to emphasize that I have not made any payments on this account after it was Charged off or sent to Collections. Therefore, it is inaccurate to suggest that there have been any payments made in this regard to support a Current Payment Status as Charged off or sent to Collections. Current Status : While this account may have had a Charge-off or Collection status in the past, it is essential to note that it has been resolved, and there is no outstanding balance or active Collection effort related to this account. This would make the Payment History for Current Payment Status and Remarks being reported as Charged off or sent to Collections inaccurate and false. Considering this information, I demand that my credit report be updated to report only accurate account information in regard to my Payment History for Current Payment Status and Remark comment. I respectfully request that you immediately investigate and rectify the Current Payment Status and Remark comment associated with this account. It is crucial that my credit report accurately reflects the status of my financial obligations, and the current Remark comment is not only misleading but is not being accurately reported as required by law and is detrimental to my creditworthiness. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any inaccurate information on my credit report. Please conduct a thorough investigation into this matter and provide a written response within 30 days, as required by law, informing me of the results of your investigation and any actions taken. Thank you for your prompt attention to this dispute. Failure to properly dispute this information pertaining to the Remark comment will result in a request to the IRS for a review of the missing 1099-C in support of Charge-off tax requirements. I anticipate the correction of the inaccurate current payment status remark comment on my credit report.
Company Response:
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
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: 89130
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My student cash back credit card account was closed today ( XX/XX/2023 ). I called and asked them to explain why because all of my payments have been on time and they me told it is because i could not verify my address. They told me they had called me XXXX XXXX, and XXXX of XXXX and that i did not answer. They said because I did not answer those calls back in XXXX they closed my account today. They said they left me voice mails but I checked my missed calls today and I did not receive any calls from them in XXXX nor did I receive any voicemails ( said they left voicemails ). They did not give me any warning before closing my account and they did not try to reach out to me through email or send me anything in the mail. I asked if they could re open the account since i have no proof they reached out to me and they said they could not.
Company Response:
State: VA
Zip: 245XX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This company has yet to show me proof that I was ever late pursuant to the following laws : 12 CFR 1026.13 - Billing error resolution. ( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan. ( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8. ( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed. ( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account. ( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor. ( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence. ( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required. ( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error. ( c ) Time for resolution ; general procedures. ( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice. ( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date. ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. ( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. ( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section. ( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer. ( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable. ( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) XXXX report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) XXXX not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report. ( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error. ( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Company Response:
State: PA
Zip: 18017
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Pls. see the below transactions for history : All Transactions Trans. Date Description Category Amount View XXXX XXXX XXXXXXXX XXXXXXXX XXXX {$390.00} View XXXXXXXX XXXX XXXXXXXX XXXX REVERSAL OF TEMPORARY CREDIT Merchandise {$390.00} View XXXX XXXX XXXXXXXX XXXX XXXX {$400.00} View XXXX XXXX XXXX XXXXXXXX REVERSAL OF TEMPORARY CREDIT Merchandise {$400.00} View XXXX XXXX XXXX XXXX TEMPORARY CREDIT PENDING INVESTIGATION Payments and Credits - {$390.00} Results Total = {$1200.00} Summary of the Problem : XXXX. My original order was for {$390.00}. - this order was not delivered to my house but to another place. When we got it - the food has spoiled. Called XXXX XXXX and because the orders I needed were no longer available I was told to cancel and order another one -which I did. 2. I placed another order which was disappointingly more expensive but since I needed it for XXXX I did it -- for {$400.00}. XXXX. On XX/XX/2022 I got a call from Customer Service at XXXX XXXX that because of the mix up they will make good by sending me another package. I told them I do not need any as I already got my reorder. They sent me another package anyway and unbeknownst to me they charged me {$400.00} which they tell me is outstanding and with the finance charges now amounts to {$520.00}. I have been disputing this so many times with Discover Card and XXXX XXXX but they would not clear it. And now my credit rating has come down.
Company Response:
State: DC
Zip: 20008
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have asked this company to remove my financial information from my consumer reports and they denied it. Because of this, they have defamed my character and caused me damages. I could not purchase a home or get approved for another credit card. I demand that this company complies with federal law because they have violated both my privacy and FCRA laws 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third p arty unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. ( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate
Company Response:
State: NJ
Zip: 07087
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Here is the conversation with the representative all details are included : Me : Hello, I want to make an additional payment to my principal balance an hour agoAgent profile picture Discover : Hi, I'm the Discover Virtual Assistant! If I can't answer your questions, I'll connect you to a live agent. We appreciate you reaching out about a payment. Click here to view or update your account regarding any of the below items : - Make a payment - View Payment History - View pending payments - Enroll/Update Automatic Payments - Change Payment Due Date For additional assistance regarding a payment, please select from one of the responses below. none of these answer my question an hour agoAgent profile picture Discover One of our 100 % US based customer service agents will be with you as soon as they can. Feel free to return anytime, your message history will be saved here. Agent profile picture Discover : Hello, my name is XXXX and I'm located in Illinois. I'm happy to assist you today. Please allow me one moment to review your account, and Ill be right with you! Me : XXXX XXXX, thanks! Discover : You are not able to make a payment towards your principal balance. Me : And why is that? Discover : Discover doesn't allow the payment to go towards a specific balance Me : Can you point me to the terms as to where that is state? stated? Discover : It will be located in you terms and agreement that you received when you applied for the card Me : Its not, i have read through it several times and in accordance with the CARD act of 2009 you do have to provide me with the reasoning of now allowing a principal payment if requested. Which to be clear, I am requesting Discover : Unfortunately Discover does not allow payments towards the principal, In order to not be charged any interest your statement balance would have to be paid in full every month. We also have an option of see if you are edible to have a lower rate. Me : I understand, however you do have to provide me with the document stating this per the CARD act of 2009. If you are unable to provide such document you are in violation of said act. I am simply asking you to point me to the document in which is it stated that principal balance payments are not feasible Discover : To further assist you may you please call in at XXXX. Me : If you are refusing to provide the document I will be reporting this conversation and Discovers refusal to the FTC as you are then out of compliance of the federal law that was passed in 2009. Discover : There is no longer a letter to be sent for that. Just to clarify your minimum due every month is like you are pretty much paying you interest. If you like can pay more then your minimum payment due. Me : To clarify, you are saying that this rule does not exist in writing anywhere? Discover : If there was an option to just pay towards your principal balance it would be noted in your terms. Me : Which, again you are confirming is not noted in the terms, yes? Discover : Our customer service agents are available 24/7 and can be reached by calling XXXX. Me : By not confirming you are admitting guilt So, you are in direct violation of section 102 of the CARD act, under Section 5 it outlines that customers have the right to request disclosures so by denying this you are under direct violation and thus violate the federal act and due to your inability to answer a simple question I am able to file a complaint with the FTC Summary : I requested in writing that it is Discover 's policy to not allow principal payments and they refused to provide said documents. In fact, they refused to provide me with anything in writing that principal payments were not allowed.
Company Response:
State: OH
Zip: 44111
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
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/XXXX, I, XXXX XXXX entered XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, MI after speaking with XXXX XXXX. ( Exhibit B- Text Messages ). That same day, XXXX XXXX took my measurements and I paid {$2500.00} towards the purchase of a wedding dress. ( See- Proof of Purchase ) On XX/XX/XXXX, XXXX XXXX reached out to me for additional funds towards the purchase of the wedding dress. ( See- Text Messages ). I complied with the request and on XX/XX/XXXX paid an additional {$500.00} for the wedding dress. ( See- Text Messages ) ( See- Proof of Purchase ). On XX/XX/XXXX XXXX XXXX reached out to me once again for additional funds towards the dress. ( See- Text Messages ). That same day, I complied and sent Owner XXXX XXXX another {$500.00} via XXXX for the purchase of the wedding dress. ( See- Text Messages ) ( See- Proof of Purchase ). On XX/XX/XXXX XXXX reached out to me once again for additional funds towards the dress. ( See- Text Messages ). On XX/XX/XXXX, I complied and sent XXXX XXXX an additional {$1500.00} towards the purchase of the wedding dress. ( See- Text Messages ) ( See- Proof of Purchase ). On Saturday XX/XX/XXXX, I reached out to XXXX XXXX to follow up on the wedding dress that was paid in full, but received no response from XXXX XXXX. XXXX XXXX has since shut down her bridal shop ( XXXX XXXX ) which was located at XXXX XXXX XXXX XXXX XXXX, XXXX, MI and ceased all communication. I never received the wedding dress that was fully paid for and has since been forced to obtain a replacement dress. On XX/XX/XXXX, I received a message from XXXX XXXX in which she says shes insolvent due to unforeseen circumstances and she is unable to deliver the dress ( merchandise ) within the needed timeframe. ( See Text Messages ) I along with several other brides filed police reports in the XXXXXXXX XXXX XXXX. The detective has now conducted a criminal investigation and informed myself and the other victims that the prosecutors office is pressing charges and they have an arrest warrant to arrest her. An officer had actually met with XXXX XXXX and she told him she can not get the dresses nor does the have the money to give refunds. The officer had his body camera recording and I did a Freedom of Information Act request asking for the footage. I filed a dispute with my credit card company ( Discover ). They denied my dispute before I was even able to get a copy of the police report. The report just became available and I uploaded it. I was unable to upload the bodycam footage through the dispute portal. Discover is refusing to issue a refund despite all of the evidence provided including the new evidence. I have now been forced to purchase a second wedding dress and I can not afford two wedding dresses. Despite uploading the police report, discover is alleging that the period for disputes had passed. I explained to discover and it is evident by the information I uploaded that I was not aware I was being defrauded until XXXX of XXXX. I had no reason to know I was being defrauded. I just want my money back. I'm already in the process of buying another wedding dress and I'm being forced to pay for two dresses.
Company Response:
State: MI
Zip: 48390
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Dear Sir/Madam, I am writing to formally dispute the accuracy of the account information being reported by Discover Bank ( Account Number : XXXXXXXX ) on my credit reports with your credit bureau. I have carefully reviewed my credit reports from XXXX, XXXX, and XXXX, and I have identified significant discrepancies in the reporting of this account. The discrepancies in reporting dates between the three credit bureaus have raised concerns about the accuracy of this information. Here are the details of the discrepancies : XXXX : Reporting Date : XX/XX/2023 XXXX : Reporting Date : XX/XX/2023 XXXX : Reporting Date : XX/XX/2023 These inconsistencies in reporting dates for the same account with Discover Bank are a cause for concern. The discrepancies could mislead creditors and lenders who review my credit report, potentially affecting my ability to obtain credit and loans. I kindly request that you investigate this matter promptly and make the necessary corrections to ensure that the account information is accurate and consistent across all three credit bureaus. Please verify the accuracy of the account 's reporting date, and if it is found to be incorrect, update the information accordingly. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. I expect this dispute to be resolved in a timely manner, as required by law. Additionally, I request that you provide me with written confirmation of the actions taken to correct this discrepancy once the investigation is completed. I appreciate your prompt attention to this matter and your assistance in resolving this dispute. Please send me a written response within 30 days of receiving this letter to inform me of the results of your investigation. Thank you for your cooperation and for helping me maintain the accuracy of my credit reports. I can be reached at XXXX or XXXX if you require any additional information or have further questions regarding this dispute. Sincerely, XXXX XXXX
Company Response:
State: GA
Zip: 30047
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Discover bank is engaging and identity theft by unlawfully sharing my nonpublic personal information with third parties without my consent.
Company Response:
State: OK
Zip: 73127
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A