Date Received: 2023-08-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I received a quote from automotive insurance XXXX. It wasnt even due yet from another company. XXXX they charged me. I said absolutely NOT I have insurance. I had insurance it was not due yet and renewed with XXXX. XX/XX/2011, XXXX, and XXXX? XXXX. And XX/XX/XXXX. XXXX. Discover wants to charge fees that I do not understand and I will NEVER do business with XXXX or Discover credit ever. I was a outstanding credit card holder since XXXX They changed. Ive disputed and went to business resolution. It is a joke.. Use another credit card.
Company Response:
State: TN
Zip: 37130
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with non-monetary relief
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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom this may concern. I recently received a copy of my XXXX XXXX and XXXX credit report and I noticed some late payments posted on my credit report. Account Name : DISCOVERY BANK ACCOUNT NUMBER : XXXX Your company is in clear violation of the law .15 U.S.C. 1681b, Permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. Did I give you written instructions to report this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C 1581a ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; Delete the above account from my credit report. This agency is in violation of 15 U.S.C 1681a. Failure to response I would take legal actions under 15 U.S.C 1681n Seeking a {$1000.00} for each Violation.
Company Response:
State: IL
Zip: 60651
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 purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Credit Card was lost XX/XX/2023 new card was ordered and never received by me. All the transactions from XX/XX/XXXX forward were unauthorized fraudulent transactions that were not made by me. I have spoken to discover and the merchants. No resolution can be provided and I am being held responsible for transactions I did not authorize or make. There are transfer balances from XXXX and XXXX they show up as transfer balance that were also unauthorized and fraudulent transactions. I spoke to XXXX and credits were supposed to be given but they were not. XXXX was contacted per them it shows as the order was placed with my address and information however nothing arrived to my home. All these transactions and transfer balances are unauthorized and fraudulent and discover can not offer me a resolution.
Company Response:
State: FL
Zip: 33135
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Company Response:
State: FL
Zip: XXXXX
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 status incorrect
Consumer Complaint: The company continues to report the account as Charged Off every month. The account was charged off XX/XX/2023 and is not supposed to continue to report at Charged Off 5 years later.
Company Response:
State: FL
Zip: 32065
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with non-monetary relief
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: To quickly Sum up : I had a Fraudulent Discover Account on my credit report, Account # XXXX, after proving fraud with the credit bureaus, all 3 bureaus deleted the fraud from my credit reports back in XXXX 2023. Recently Discover resubmitted/added the Exact Same Fraudulent Account with all the exact same Account Information however changed the Account # to a NEW ONE which ends in XXXX, however could be XXXX without even notifying the victim ( myself ), this is 100 % illegal to open a new Credit Card account and adding old information which isn't even mine to begin with, a Complete Violation. Discover is doing the Fraud now. Detailed Explanation : Back in XXXX of 2023 I Had XXXX Fraudulent Accounts reporting on my Credit Report. One Was XXXX XXXXXXXX, Another XXXX, and Finally Discover. I reported these to the FTC, made an Identity Theft report and Got a Sheriffs Report regarding these Fraudulent accounts including more supporting documentation such as breach of bank accounts, emails, phone, including breaching my XXXX report. Shortly After all 3 Credit Bureaus Deleted the 3 Fraudulent accounts except XXXX at the time did not delete the XXXX XXXXXXXX Account. However recently I received a letter from them admitting that fraud did take place so after giving this info to XXXX im hoping they delete that account. I am writing today for justice on another issue regarding the DISCOVER account that was previously deleted on all 3 bureaus for Fraud. It seems after all these months ( since XXXX 2023 ) this account has recently been resubmitted to the bureaus however it gets worse. Once I noticed the Discover Account was back on my Credit Report with all 3 bureaus I immediately complained to all 3 bureaus saying that I was never notified about the resubmission of this account within 5 days or for that matter now 45 days. And besides that why would they resubmit a fraudulent account back on my credit report. This is where it gets interesting. I was on the phone with an XXXX XXXX XXXX and he said the account Discover with the account number XXXX XXXX XXXX XXXX which was the Disover account that was originally fraudulent was no longer reporting on my credit report. I said " yes it is, I see the discover account right in front on me ''. The Supervisor informed me after investigating that... Discover created a NEW ACCOUNT, its New Account # ends in XXXX however may be this entire account # XXXX XXXX XXXX XXXX, However even though Discover created a NEW ACCOUNT or NEW CREDIT CARD ACCOUNT without my permission of course they added all the Account information from the old account ending in XXXX which was the original Fraudulent Discover account. So to make it simple the Fraudulent Account that was Deleted from all 3 bureaus was Discover ending in XXXX account number, So Disover Made a New Account number under the same old account and all its information such as opening date, credit amount, etc and simply changed the account number so they could resubmit it to my credit report, since im sure the old account was blocked for being fraudulent. Discover just committed fraud, and it a Huge Violation with the FCRA including US Code. Not only that, they resubmitted an account using a FAKE new Account Number without letting the Victim know ( myself ) nor telling me they are resubmitting the account to my report as per the FCRA states they have to by law. I have been contacting the credit bureaus and this account comes back validated of course even though its fraud. I originally sent letters to Discover informing them of the fraud, they wouldn't believe me, I sent them numerous Validation Requests and no replies besides upcoming bills that were not in my name but to my address. I sent them and the bureaus copies of the Police Report, FTC report, and ITR back then and it was deleted eventually. Now after all that Discover just resubmits the old account under a new Account Number and destroys my credit, it dropped over XXXX points over night. I need the Federal Trade Commission to step in and help a fellow soul reclaim his rights. thank you PS I would be more than happy to share ALL my mailings to Discover requesting Debt Validation when they ignored my fraud claim with proof of delivery of all mailings back in the beginning of the year.
Company Response:
State: FL
Zip: 34957
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: Dear Sir/Madam, I hope this letter finds you well. I am writing to file a formal complaint against Discover regarding the recent closure of my credit card account ending at XXXX. I am deeply concerned about the unfair and inaccurate actions taken by Discover, which have not only caused unnecessary stress but also put my credit score and financial stability at risk. I have been a loyal customer of Discover for XXXX years and have consistently maintained a strong payment history with them. However, On XX/XX/2023, I encountered an unexpected issue when attempting to use my Discover credit card through XXXX XXXX. To my surprise, the card was not functioning on the platform. This prompted me to contact Discover 's customer service to seek clarification regarding the matter. During the conversation, I was informed that my credit card account had been closed due to miss payments for the last two months. I immediately contacted Discover 's customer service to address this issue and clarify the situation. Upon speaking with their customer service representatives, I was informed that the payments were returned due to insufficient funds in my bank account. This information contradicted the reality of my financial situation, as the payments were indeed deducted from my account on the specified due dates. To further validate this, Discover reached out to XXXX XXXX, the financial institution from which the payments were made, and confirmed that the payments had been received and processed promptly. I firmly believe that the closure of my credit card account was unjustified and based on incorrect information. I have diligently upheld my financial responsibilities and made consistent payments on time. It is disheartening to see my efforts to maintain a positive credit history undermined by this incident. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the situation. I am seeking the reopening of my Discover credit card account, as well as a correction of any negative impact on my credit score resulting from this unjust account closure. It is my hope that this complaint will help shed light on the questionable practices and decision-making of Discover, and prevent other consumers from facing similar issues in the future. I have attached supporting documents, including bank statements showing the timely payments made and correspondence with Discover 's customer service representatives. I am more than willing to cooperate fully with any further inquiries or information required to resolve this matter. Thank you for your attention to this serious issue. I trust that the Consumer Financial Protection Bureau will uphold its commitment to consumer rights and fair business practices. Sincerely, XXXX XXXX
Company Response:
State: VA
Zip: 22191
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: Information belongs to someone else
Consumer Complaint: To quickly Sum up : I had a Fraudulent Discover Account on my credit report, Account # XXXX, after proving fraud with the credit bureaus, all 3 bureaus deleted the fraud from my credit reports back in XXXX 2023. Recently Discover resubmitted/added the Exact Same Fraudulent Account with all the exact same Account Information however changed the Account # to a NEW ONE which ends in XXXX, however could be XXXX without even notifying the victim ( myself ), this is 100 % illegal to open a new Credit Card account and adding old information which isn't even mine to begin with, a Complete Violation. Discover is doing the Fraud now. Detailed Explanation : Back in XXXX of 2023 I Had 3 Fraudulent Accounts reporting on my Credit Report. One Was XXXX XXXXXXXX, Another XXXX, and Finally Discover. I reported these to the FTC, made an Identity Theft report and Got a Sheriffs Report regarding these Fraudulent accounts including more supporting documentation such as breach of bank accounts, emails, phone, including breaching my XXXX report. Shortly After all 3 Credit Bureaus Deleted the 3 Fraudulent accounts except XXXX at the time did not delete the XXXX XXXXXXXX Account. However recently I received a letter from them admitting that fraud did take place so after giving this info to XXXX im hoping they delete that account. I am writing today for justice on another issue regarding the DISCOVER account that was previously deleted on all 3 bureaus for Fraud. It seems after all these months ( since XXXX 2023 ) this account has recently been resubmitted to the bureaus however it gets worse. Once I noticed the Discover Account was back on my Credit Report with all 3 bureaus I immediately complained to all 3 bureaus saying that I was never notified about the resubmission of this account within 5 days or for that matter now 45 days. And besides that why would they resubmit a fraudulent account back on my credit report. This is where it gets interesting. I was on the phone with an XXXX XXXX XXXX and he said the account Discover with the account number XXXX XXXX XXXX XXXX which was the Disover account that was originally fraudulent was no longer reporting on my credit report. I said " yes it is, I see the discover account right in front on me ''. The Supervisor informed me after investigating that... Discover created a NEW ACCOUNT, its New Account # ends in XXXX however may be this entire account # XXXX XXXX XXXX XXXX, However even though Discover created a NEW ACCOUNT or NEW CREDIT CARD ACCOUNT without my permission of course they added all the Account information from the old account ending in XXXX which was the original Fraudulent Discover account. So to make it simple the Fraudulent Account that was Deleted from all XXXX bureaus was Discover ending in XXXX account number, So Disover Made a New Account number under the same old account and all its information such as opening date, credit amount, etc and simply changed the account number so they could resubmit it to my credit report, since im sure the old account was blocked for being fraudulent. Discover just committed fraud, and it a Huge Violation with the FCRA including US Code. Not only that, they resubmitted an account using a FAKE new Account Number without letting the Victim know ( myself ) nor telling me they are resubmitting the account to my report as per the FCRA states they have to by law. I have been contacting the credit bureaus and this account comes back validated of course even though its fraud. I originally sent letters to Discover informing them of the fraud, they wouldn't believe me, I sent them numerous Validation Requests and no replies besides upcoming bills that were not in my name but to my address. I sent them and the bureaus copies of the Police Report, FTC report, and ITR back then and it was deleted eventually. Now after all that Discover just resubmits the old account under a new Account Number and destroys my credit, it dropped over XXXX points over night. I need the Federal Trade Commission to step in and help a fellow soul reclaim his rights. thank you PS I would be more than happy to share ALL my mailings to Discover requesting Debt Validation when they ignored my fraud claim with proof of delivery of all mailings back in the beginning of the year.
Company Response:
State: FL
Zip: 34957
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: Information belongs to someone else
Consumer Complaint: To quickly Sum up : I had a Fraudulent Discover Account on my credit report, Account # XXXX, after proving fraud with the credit bureaus, all 3 bureaus deleted the fraud from my credit reports back in XXXX 2023. Recently Discover resubmitted/added the Exact Same Fraudulent Account with all the exact same Account Information however changed the Account # to a NEW ONE which ends in XXXX, however could be XXXX without even notifying the victim ( myself ), this is 100 % illegal to open a new Credit Card account and adding old information which isn't even mine to begin with, a Complete Violation. Discover is doing the Fraud now. Detailed Explanation : Back in XXXX of 2023 I Had 3 Fraudulent Accounts reporting on my Credit Report. One Was XXXX XXXXXXXX, Another XXXX, and Finally Discover. I reported these to the FTC, made an Identity Theft report and Got a Sheriffs Report regarding these Fraudulent accounts including more supporting documentation such as breach of bank accounts, emails, phone, including breaching my XXXX report. Shortly After all 3 Credit Bureaus Deleted the 3 Fraudulent accounts except XXXX at the time did not delete the XXXX XXXXXXXX Account. However recently I received a letter from them admitting that fraud did take place so after giving this info to XXXX im hoping they delete that account. I am writing today for justice on another issue regarding the DISCOVER account that was previously deleted on all 3 bureaus for Fraud. It seems after all these months ( since XXXX 2023 ) this account has recently been resubmitted to the bureaus however it gets worse. Once I noticed the Discover Account was back on my Credit Report with all 3 bureaus I immediately complained to all 3 bureaus saying that I was never notified about the resubmission of this account within 5 days or for that matter now 45 days. And besides that why would they resubmit a fraudulent account back on my credit report. This is where it gets interesting. I was on the phone with an XXXX XXXX XXXX and he said the account Discover with the account number XXXX XXXX XXXX XXXX which was the Disover account that was originally fraudulent was no longer reporting on my credit report. I said " yes it is, I see the discover account right in front on me ''. The Supervisor informed me after investigating that... Discover created a NEW ACCOUNT, its New Account # ends in XXXX however may be this entire account # XXXX XXXX XXXX XXXX, However even though Discover created a NEW ACCOUNT or NEW CREDIT CARD ACCOUNT without my permission of course they added all the Account information from the old account ending in XXXX which was the original Fraudulent Discover account. So to make it simple the Fraudulent Account that was Deleted from all 3 bureaus was Discover ending in XXXX account number, So Disover Made a New Account number under the same old account and all its information such as opening date, credit amount, etc and simply changed the account number so they could resubmit it to my credit report, since im sure the old account was blocked for being fraudulent. Discover just committed fraud, and it a Huge Violation with the FCRA including US Code. Not only that, they resubmitted an account using a FAKE new Account Number without letting the Victim know ( myself ) nor telling me they are resubmitting the account to my report as per the FCRA states they have to by law. I have been contacting the credit bureaus and this account comes back validated of course even though its fraud. I originally sent letters to Discover informing them of the fraud, they wouldn't believe me, I sent them numerous Validation Requests and no replies besides upcoming bills that were not in my name but to my address. I sent them and the bureaus copies of the Police Report, FTC report, and ITR back then and it was deleted eventually. Now after all that Discover just resubmits the old account under a new Account Number and destroys my credit, it dropped over XXXX points over night. I need the Federal Trade Commission to step in and help a fellow soul reclaim his rights. thank you PS I would be more than happy to share ALL my mailings to Discover requesting Debt Validation when they ignored my fraud claim with proof of delivery of all mailings back in the beginning of the year.
Company Response:
State: FL
Zip: 34957
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XXXX XX/XX/23 about XXXX XXXX my husband recieved a voicemail on his phone saying that the message was intended for us. ( Said our names ) saying that documents will be going out to our address needing signatures from both of us. ( My husband and myself ) to please contact issuing firm immediately at XXXX reference case # XXXX. This is very time sensitive as well as urgent. Said our names again and that we have been notified. I immediately called the number and a man named XXXX answered and gave his name. I asked whose number I was calling as he did not give name of the law firm. Told us he was collecting a debt from Discover from XXXX. Gave an amount in excess of {$4000.00}. He said he was sending documents to take us to court to collect balance owed. We told him we had not received anything in the mail regarding this. He said it was sent in XXXX and it couldn't be helped since we didn't respond and make restitution. He said the address of our property and asked if that was us and that we lived there XXXX years, right? We said it's our address, but we've only had the property for XXXX years. He even gave an address that my husband lived in before we were married, but he hasn't lived there for XXXX years. He said the were taking us to court to get the monies owed. That the only thing we could do to stop it is pay in full. We told him we didn't have that kind of money, he said that wasn't his problem. He had to do what he had to do. Then he said let me talk to my supervisor for you. When his supervisor got on the phone he was very belligerent and yelling that it was our debt and we had to pay it. We got disconnected, so I called back and got XXXX again. He said I had to make a decision about what I was going to do because he had to send the papers in in XXXX hours. I told him I was too stressed and couldn't think. He said he would give me until XXXX XXXX XXXX time to call him back. Otherwise he was sending the papers in. When I hung up I called our attorneys office. When I told her everything, she said she thought it was a SCAM and not to call him back. I gave her the phone number I called, and told her they never gave the law firms name. She tried to check who the number belonged to, but could find no information on them. She was leaving the office for the weekend, but would look into it on XXXX. I have not called them back.
Company Response:
State: OH
Zip: 433XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A