Date Received: 2023-09-04
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I applied for a personal loan and was denied because of excess inquiries on my report. When I read my report, I found several hard inquiries with companies that I did not authorize to run my credit I would like to have them removed from my report.
Company Response:
State: MA
Zip: 01108
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
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 booked a reservation with 'HotelTicuan.com ' for a trip to XXXX, XXXX. I used my Discover credit card ( ending in XXXX ) linked to my XXXX account to make the payment. However, on XX/XX/2023, I had to cancel the reservation, but the hotel didn't respond to my cancellation request. To resolve this, I opened a dispute with XXXX for a refund. Regrettably, XXXX closed the case in my favor but refunded only a partial amount of {$140.00} XXXX pesos to my Discover card. The correct refund should have been {$140.00} USD, not XXXX pesos. Despite my efforts to rectify the issue with XXXX, they have refused to correct it. Consequently, I escalated the matter to Discover. Unfortunately, Discover also closed the case in the merchant 's favor, leaving me without a resolution. I provided all the necessary information for the dispute and canceled the reservation within the stipulated timeframe. This situation should have been straightforward to resolve, but I find myself caught in a frustrating predicament.
Company Response:
State: CA
Zip: 91945
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have noticed that there has been multiple unauthorized hard inquiries and other accounts that have been opened that were not made by me. I think it is unfair to feel robbed out of my own information and it be appearing on my credit report inaccurately. I have attempted to contact the companies and credit bureaus to have them removed and they said that they need a police report of some sort but I have no idea who is doing this so therefore I am un-able to file a police report.
Company Response:
State: AZ
Zip: 85249
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Application denials
Consumer Complaint: I went to apply for XXXX home equity loan on XX/XX/XXXX. I got full pre-approval under the terms of 30 year loan interest of 9.99 %. I accepted this. They then requested lots of different information that I submitted. Every file said accepted. On XX/XX/XXXX I called them up because there was a small problem with the mortage statement I submitted. At this time I was told I was no longer approved because of debt to income ratio. The thing being I already had pre-approval and even the proof of income was already accepted. This loan would have been XXXX of my current debt payments without the loan.
Company Response:
State: WY
Zip: 82801
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: I recive a letter from discover a month ago welcome me to the new account I never open acaunt in discovery olso they call me but I didnt call back because I dont have nothing w then
Company Response:
State: RI
Zip: 02920
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: In XXXX of XXXX I had spoken to a lady from Discover about a financial hardship program that Discover offered there customers for a couple of months. She explained to me this was like a fresh start with Discover because I currently had a balance due for that month which was in XXXX of XXXX that I was going to have a super hard time to make the minimum due with the balance I had had at that time. She said no worries, that this program would get me back on track after a couple of months and she then said everything would go back to normal. She was on the phone with me for over an hour trying to get this accomplished and she walked me through the paperwork online that I needed to fill out. After the call I was please with our conversation and was very relieved at the smaller payments that we agreed to for about 6 months if I'm not mistaken. My hardship payments were automatically done on an auto draft format based to the hardship lady had said it was required to do for that program so I did so. My payments were taken out of my account in XXXX, XX/XX/XXXX before the next billing cycle. I was paying extra on my account aside from my auto withdrawaI as well. I had looked at my XXXX XXXX in either that late part of XXXX or XXXX of this year because my wife and I were looking to purchase a home. Much to my surprise my Discover card had shown me to be late for XXXX of XXXX, XX/XX/XXXX and XXXX of XXXX as well. I freaked out and called them. I told them to read the ladies notes that set me up on the program because I know 100 % sure she said this was a fresh start for me and that everything that I current owed would be restarted fresh except for the balance and the interest rate would be lowered as well to help lower my payment during the program period. I was on the phone the first time for almost XXXX hrs trying to resolve this issue and was told that a supervisor would have to investigate the matter and give me a call back in a couple of days. In XXXX I called back again to follow back up because I thought they got busy and forgot to call. I spoke to someone again and had to explain everything as if I never spoken to the person a week and a half prior because she stated there was nothing noted on my account, I stressed the fact there should of been an investigation done, but there wasnt, so here I was again over an XXXX hrs later with speaking to several more people with no resolution. I was then promised again that she would be taking care of the problem that she would make sure I got a call back in less than XXXX week. Two weeks weeks by and still no work so were in the middle of XXXX. Here I go again trying to resolve the issue and more than a hr again with nothing more than I stated from except this time they said I was late for XXXX, XXXX and XXXX. I asked them how that was possible because I was set up on automatic draft. She didnt know at that time, but she would investigate the matter and call me back. I never heard back from anyone. Now were into XXXX of XXXX and I call and yet again no notes no understanding of what was happening and speaking to several people telling the same story everytime nobody has an answer for me, but they did promise to resolve the issue, but it's now XXXX and I had never heard back from anyone. I was so frustrated with there business practices that I went to my back and received a loan to pay off the entire balance just so I would never have to deal with them again. I didnt think there was anything else I could do until I stumbled upon the complaint form. I'm not late on anything and I've only had XXXX pate payment in my life in over 43 years and that was years ago. I need someone with some authority to pls help me. They could care less about me or my issue. I've never been so frustrated and demoralized in my life. I would appreciate all help in anyway I just dont think I can explain the story again to anyone I just want this to go away and my credit to fixed the way it should have been. I was NEVER LATE.
Company Response:
State: TN
Zip: 373XX
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Ive been a victim of identity theft since XXXX along with the XXXX data breach and an another breach leaking all my info including bank accts social and logins. Due to all of this i now have accounts on my report from discover, XXXX XXXX, XXXX XXXX, XXXX, XXXX, another discover, a utility, and 9 accounts opened but closed by creditor right away. I hsve over 160 inquiries, my name on my reports has 8 different spellings. XXXX XXXX sent multiple emails dated back to XXXX declining some transactions and alllwimg some. Ive attached photos. They then credited me back for all of it. Discover and all the accounts opened without my knowledge are not helping. Ive filed 2 police reports 2 ftc reports, closed my account with XXXX XXXX but all the accounts in both ftc identity theft reports are not mine. This is affecting my life. I have disputed them 3 times with proof. They even used my bank accounts to pay on open accounts. XXXX did conclude it was fraud and reimburse me but the creditors have sent some to charge off including late payments and none of this is mine.
Company Response:
State: AZ
Zip: 85032
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: So earlier this year I had piled up a lot of credit on all my cards so so I heard about a offer from all credit cards is doing a new thing where you consolidate all of your cards to one so I went shopping to see who had the best rates or the best deal on consolidating. Every company had some kind of gimeck where it made the deal useless to me plus it hurts your credit score so when I heard that plus discover charges you up front XXXX to XXXX to get the loan. It simply wasn't for me I try and help my credit not hurt it and if you have to pay to get a loan that's also not for me. I looked at My Mastercard One morning and it had a XXXX balance so I started trying to figure out what happened and I did discover took XXXX or more from XXXX XXXX XXXX and made me a loan under their company name Discover and I did not authorize it. I didn't have a discover card at that time I don't think but it was all done by a computers or someone at discover saw where I looked at the loan and to make money for them they went ahead and took the money from XXXX XXXX XXXX I guess I still haven't figured that part out because I hadn't spoke with ANYONE at Discover or even a computer that will prompt you through everything by voice. Discover says that I'm fraudulent plus their going to turn me into credit bureau so it would hurt my credit they get to do that even if a person is innocent just like anybody else that wants to put something on your credit then you have to fight to get it off while you are innocent, so I can't stop them because as a American consumer we have no rights about when it comes to this problem so your guilty but not proven guilty so you have to prove your innocent. By doing this it takes a lot of time to get paperwork documents and so on. That's what I have done with this I can't tell you how many hours I've had to work on my on time to prove to this company that does this everyday that I'm not guilty or as they say it committed fraud. Then after I figured out what happened they still send me letters Stating nothing has changed and it's going on my credit. I stopped working in XXXX at XXXX of XXXX XXXX XXXX I was there over XXXX years if I stayed i was going to loose my pension so me and about XXXX more choose to leave when that happened I got my pension XXXX XXXX so I decided to pay some of the big credit cards off and eventually all of them so i didn't need a loan anymore plus I paid the XXXX dollar credit card from XXXX XXXX XXXX off I told Discover in order for this to happen it had to be on a transaction the same day or maybe 1 day after for this to work. When I paid XXXX XXXX XXXX off i think XX/XX/XXXX Discover had to get the money that day and put it in my new account that I didnt get or want at the time. So why in the world would I pay off credit card loans call discover tell them I want a loan and consolidate everything else so I could pay the same loans off twice, I know they are going to say it happened way before then but it didn't, I never gave any approval to consolidate any credit card loans from anyone. I mean what part can they not figure out and on top of that XXXX XXXX XXXX is guilty as they are plus the name on the card is XXXX XXXX XXXX my name is XXXX XXXX XXXX with a XXXX not XXXX and they still don't believe me and this is XXXX different groups of people that works at the same place a team to discuss this issue. They actually had 2 different teams to investigate this and found me fraudulent. That's scary you can get that many people in a room together and they all come out with nothing, Twice. People wonders why so many Americans have bad credit, well here it is, this is why. I've spent hours on something I didn't do but yet discover or any other credit card company can put it on your credit report even if they have not found you guilty or proven it. That's the America way because if we all have bad credit who makes the most money off of that? You got it anybody who deals with giving out loans the credit card people will make more money on a consumer that has a poor credit card score than one who has excellent credit. Ahhhhh ok I know they will say they all get the same rate. I talked with XXXX XXXX XXXX they apologized immediately and over and over again the manager called me 2 to 3 times that day to say how sorry they was. DISCOVER ON THE OTHER HAND wants me to get a lawyer and take it to court so Monday I meet or I will get a call from a lawyer group to resolve this issue. I just wanted to make sure that I took the steps to tell a company about what happened so maybe they can explain better because I don't know what part I'm leaving out. Sorry this was so long I know you have better things to do than to read stuff like this when it should of been resolved months ago yes this started in XXXX and here we are in XXXX. Only in America where you don't have to prove there guilty just put it on their credit report so they can spend countless hours on writing stuff like I'm doing now to prove their innocent. Thanks for your time I hope to hear from you soon.
Company Response:
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In XXXX I applied for a credit card from discover. I got accepted and used it perfectly, never missing a payment and being responsible with it. In XXXX, they notified me that I had to conform my identity by going to a notary and submitting a form. I did exactly that, even though I was working at a XXXX at the time and it was a major inconvenience to find a notary where I was. I got the paper notarized, and sent it to Discover. Today I get an email saying that my account has been closed because they can't confirm my identity, even though I went to a notary, got the form filled out, and sent it to them. They have permanently closed my account and have done a hard pull on my credit, hurting my credit score. I called them and asked what I can do since it was obviously some sort of error on their end, but they said there is nothing I can do, and they are not even sure what happened. They said that there is nothing that can be done once the card is closed, and that I just have to live with what happened. I am a XXXX XXXX XXXXt simply trying to be responsible with the little bit of money I have, and I am being completely screwed over even though I did everything perfectly and as they asked me to do. I feel that I have been unfairly treated and would like the CFPB to consider investigating.
Company Response:
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
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 made a hotel reservation with XXXX hotel reservation, also known as XXXX. XXXX charged my Discover card {$670.00} for the room but did not pay the hotel for the room. I called them and they asked me if I wanted to cancel the reservation. I was fully aware of their cancellation policy, so I did not cancel the reservation. I said No! I need the room to be paid for as agreed! I still need the room! There were three witnesses to this phone conversation. My son-in-law ended up having to pay for the room. XXXX sent Discover false documentation that made it appear as though I cancelled the reservation. I did not. Discover has decided to take the word of XXXX that I cancelled, which is an absolute lie. As you will see in the included documentation, the room remained in my name and was paid for by my son-in-law, XXXX XXXX. I cancelled the Discover card used in this transaction after this incident because I did not trust that it would not be subject to additional fraudulent activity, so the new Discover card issued to me will not match the number used in this transaction. That account number will be closed.
Company Response:
State: IL
Zip: 60008
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A