Date Received: 2023-08-31
Issue: Getting a line of credit
Subissue:
Consumer Complaint: On XXXX I went to Discovers website to apply for a personal loan for personal, family, and household purposes. I provided my personal information and my social security card # ( or credit card pursuant to the Truth in Lending Act/Regulation Z ) which allows me to extend my credit to the company to obtain financing for personal, family, and/or household purposes. The attached document shows the definition of credit in the Federal Code of Regulations, any violation of this code constitutes fraud and illegal activity ; which this company would be responsible for civil and/or criminal liability for violating any of my federally protected rights as the consumer in this transaction. After submitting my information on the credit application, which Discover accepted and proceeded to pull my consumer reports. Discover then denied my application for an extension of my credit on the basis of me having an existing account with them as well as my consumer reports. Consumer reporting agencies like XXXX, XXXX, XXXX, XXXX and others have an extensive history of having inaccurate reporting, this is proven by their many data breaches and complaints on the CFPB. Which is why the Fair Credit Reporting Act was created. The credit score is a made up number based on inaccurate information that is being reported on consumers, without their consent, which violates their privacy. This company can not use a credit history or a consumer report to deny me access to an extension my own credit pursuant to Truth in Lending Act without offering a counter offer. According to the Equal Credit Opportunity Act, a company can not deny a consumer access to credit for any discriminatory reason. It states that Credit is a right, which can not be taken away for any reason when a consumer extends their credit card ( or social security XXXX ) in good faith to obtain financing for personal, family, or household uses. In using my credit history or consumer reporting as a basis to deny me my right to credit, Discover is violating my federally protected right credit as the consumer in this transaction.
Company Response:
State: MD
Zip: 21224
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: I have a credit card I never opened or used on my credit.
Company Response:
State: PA
Zip: 15146
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
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 got a call from XXXX Police, a person impersonating as a XXXX XXXXXXXX extorted money from me. He told me my immigration was under check and I was a criminal. Failing to comply will result in prison for at least 5 years. I made Discover know about this situation and the unauthorized charges but they refused to refund me. I have also filed a police complaint with incident # XXXX and below are the transactions. Tue XX/XX/2023 Tuesday, XX/XX/2023 XXXXXXXX XXXX # XXXX {$1000.00} PROCESSING Tue XX/XX/2023 Tuesday, XX/XX/2023 XXXX XXXX {$450.00} PROCESSING
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
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 had an unfortunate experience with Discover Card company. Despite filing a claim back in XXXX, it took until XXXX of XXXX for the claim to be processed. The fraudulent charges on my account are primarily digital, and there are also a few charges made at locations I have never visited or shopped at. Initially, Discover credited my account for these fraudulent charges. However, they later removed these credits, claiming that they had sent notifications to the cellphone that was stolen from me. As a result, Discover is now demanding payment for the same fraudulent charges that I had already paid while patiently awaiting the completion of the initial investigation. Furthermore, they have closed my account, which is adversely impacting my credit score. It's important to note that I have never missed any payments. At this point, I am in urgent need of assistance to recover the funds that were stolen from me and relieve the burden of being recharged for these unauthorized transactions.
Company Response:
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am submitting this complaint to DISCOVER BANK due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable account, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, account status and payment history are still reporting. My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: GA
Zip: 30329
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
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: Previously I wrote Discover card regarding account number # XXXX made Discover by writing and phone call also a consumer complaint with the XXXX XXXX XXXX XXXX The company reach out and ask some questions.I fax over an email showing I contacted XXXX regarding the unauthorized charge from XXXX car rental ... .Back in XXXX or XXXX XXXX was a charge placed on my account for over XXXX from XXXX never charged a car or authorized any payment for services.During the time the charge was made.I had lost my wallet at the XXXX store located in XXXX XXXX wasnt successful in finding my wallet.When I call customer service desk the next morning.The wallet was turned in to the customer service..The items in my wallet appeared to be all in place and I dint have no knowledge my card had been swipe.I didnt make any charges nor gave anyone permission to rent or purchase any car.I have 6 cars.There no need to rent a car.Im being held responsible and been receiving a bill over 7 months for an unauthorized charge. I feel if Discover dont want to credit my account.I would like the legal address to file suit.
Company Response:
State: TX
Zip: 77365
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My Social Security Number ( SSN ) was involved in a data breach that occurred on or before XXXX of XXXX, extending until XXXX. This breach affected individuals who underwent background checks and applied for jobs, leading to the appearance of numbers on my record. I did not provide consent for these accounts to be opened, and I lacked an understanding of credit and its mechanisms during that time. Consequently, I did not establish any credit relationships with the companies involved. I urgently request the removal of these erroneous entries from my credit report once and for all. The repercussions of these inaccuracies have been far-reaching and abnormal. Unfamiliar inquiries have appeared, accounts that I neither authorized nor opened have been added, and I've faced denials and disrespect due to these discrepancies. The errors in my credit report are extensive and profoundly incorrect. They encompass several aspects, including but not limited to : * Name Discrepancies : I want to clarify that my correct name is " XXXX XXXX XXXX XXXX '' I have never used nor consented to be referred to as " XXXXXXXX XXXX XXXX '' or any other variations. This is the only accurate name associated with me. * Address Accuracy : My precise address is " XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX. '' It must be consistently displayed as such, including the apartment number. I do not authorize any other variations of this address to be linked to me. * Invalid Addresses : The following addresses on my credit report are invalid and inaccurate, not associated with me : * " XXXX XXXXXXXX XXXX XXXX, NY XXXX '' * " XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX '' * " XXXX XXXX XXXX, XXXX XXXX, NY XXXX '' Moving forward, I wish to address specific discrepancies related to certain accounts : * * XXXX XXXX : Contact : ( XXXX ) XXXX ; Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ; Account # XXXX ; Opened : XX/XX/XXXX ; Owed : {$1400.00}. I did not provide consent or a written signature for this account, nor did I authorize its reporting. All these accounts were opened online. * XXXXXXXX XXXX : Contact : XXXX XXXX XXXX, XXXX, DE XXXX ; Account # XXXX ; Opened : XX/XX/XXXX ; Owed : {$4700.00}. Similar to the previous cases, I neither gave consent nor provided a written signature for this account 's reporting. All these accounts were opened online. XXXX XXXX XXXX : Opened : XX/XX/XXXX ; Account # XXXX ; Owed : {$5500.00} ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX. The account by XXXX was deemed fraudulent and removed, yet XXXX XXXX persists in reporting the collection stemming from it. * It's worth noting that a breach detailed in an article XXXX XXXX XXXX XXXX ) is responsible for over XXXX XXXX stolen identities, as discussed. I implore you to rectify these inaccuracies promptly, as they have severely affected my financial standing and personal integrity. I appreciate your immediate attention to this matter.
Company Response:
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.
Company Response:
State: MS
Zip: 39180
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In accordance with the Fair Credit Reporting act Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15. U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Company Response:
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had an account with discover for about XXXX years and I closed it off on XXXX XX/XX/2024. While closing the account, I had XXXX $ that I paid and requested them to close my account. They said they will and deleted the app and thought it was done and dusted. I am not from the XXXX and I do not know all the laws. After XXXX months they call me and said they've tried contacting me over email and mail, and I owe them XXXX XXXX Now, the email they contacted is not something I use, I only used to check the discover app while I had it but I deleted after closing the account and I also moved apartments on XX/XX/2024. I paid them XXXX $ immediately and closed the matter. Cut to now, I am trying to buy a car and checked my fico score has dropped XXXX points ( XXXX to XXXX ) from last XXXX to now. Again, I am not used to checking my fico score, I'm not from this country. I called credit bureau to ask what happened to my fico score, they said discover reported it over the XXXX XXXX Now, I called discover, and asked them to check my payment history -- - I have never missed a payment or paid late and this XXXX $ is not something I would not have paid had it appeared on my statement while I was closing the account in XXXX. They could have called me soon too -- I could have paid earlier in that case. But I had no idea about this XXXX XXXX The XXXX discover ladies working in their credit report unit kept telling me they can not do anything about this because they need to send accurate report to the federal govt and if I have a problem I can start a dispute. So I started a dispute and also letting you all know. I am not from this country and you can all check my payment history. I would not steal someone's XXXX XXXX But I do not deserve to pay extra on EMI because my credit score dropped as a result of misunderstanding. Is there any way you can help me remove the negative scores on my credit report so that my credit score goes back to normal? Thanks!
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A