Date Received: 2023-08-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act these creditors has violated my rights. Under 15 USC 1681 Sections 602 states I have the right to privacy. 15USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 166B a creditor may not treat a payment on a credit card account under an open and consumer plan late for any purpose.
Company Response:
State: NY
Zip: 10901
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XXXX XXXX XXXX XXXX called Discover Card services, using my name and social security number without my permission, requesting changes to my Discover Card account. XXXX requested a limit change. By doing so, the balance was changed from {$5000.00} to {$1800.00}. Discover allowed this malicious person to make changes without verifying any information to confirm my identity.
Company Response:
State: WI
Zip: 53211
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
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 used a discovery credit card to purchase XXXX XXXX XXXX gift card on the gift card website ( XXXX ). The total amount ( $ XXXX {$20.00} ) According to the description on the gift card website page, the gift card can be used in local stores At the checkout counter, I went to the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX that afternoon. The clerk tried several times and told me that the gift card could not be used. I had no choice but to go to the XXXX store across the street and use the same discovery credit card to buy a car battery I contacted the seller XXXX XXXX XXXX XXXX ( ( XXXX ) and told the seller that these gift cards are not as described on your website and can not be paid at the local store cashier. I want a refund. The seller does not agree to a refund. I contacted the discovery credit card and initiated Dispute ( Dispute # XXXX ) ( Dispute # XXXX ) Discovery credit card told me the result today, I have to pay these two bills
Company Response:
State: NV
Zip: 89169
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Ive been a victim of identity theft for the last two years. I opened a savings and money market acct with Discover Bank last year and a checking account a couple months ago. Up until opening my checking account I never had any issues with my two other accts. Upon opening the checking though, unauthorized transactions from XXXX XXXX started popping up, a lot of them. I informed Discover Bank that I was a victim of identity theft and told them that I havent had an active XXXX XXXX acct in my name since XX/XX/XXXX. On XX/XX/XXXX I had to file yet another dispute on my accts. I had been told previously that they wanted to issue me new acct numbers and change my password but couldnt do it until all trasaction posted. I think the day before they had placed a freeze on the acct until the transaction on the acct posted and informed me that in order to access my funds all I needed to do was to call in to the fraud department and they would lift the freeze long enough for me to move money and then refreeze the acct. on XXXX at XXXX I had decided to just have all the funds wired out of the acct. However at XXXX that day the wire hadnt happened yet so I called and they told me that Id have to wait until XXXX for the wire transfer. I told them no and to cancel it which they said they did, and I was able to move some money out of the acct. when I called XXXX afternoon I was also told that everything has posted so they were issuing me new acct numbers and unfroze the acct. XXXX XXXX however, I had received notification that my brand new acct had been frozen already and I had no clue why. I called and spoke to the fraud department who asked me a couple questions said everything was good and forwarded me to the dispute department. The dispute department told me funds should be in my acct the next day and to keep an eye on it. However, before hanging up the lady told me I needed to be transferred to one other department. When she transferred me after being on the phone an hour the lady said that they had made the business decision to close my acct! With all my funds still in it. They closed my acct after making me open a brand new one and didnt take the fact that Im an identity theft victim into consideration and despite the fact that I had asked them to block cash app from continuing to access funds from my acct. they continued to let it happen but yet Im being punished for it. And after that more money went back into my acct. now Im being told 10-15 business days to receive a check. I dont have 15 days to wait for my money back when this is all their fault. This is exploitation of a XXXX identity theft victim and its conversion, which is also illegal. I want access to my funds via wire and I want my account to remain open. Its not fair that they punish me cuz they didnt do their job.
Company Response:
State: FL
Zip: 34667
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Cant get credit score.
Company Response:
State: IL
Zip: 60609
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I hope this letter finds you well. I am writing to bring to your attention the provisions outlined in 15 U.S. Code 6802 and 15 U.S. Code 1681a, both of which pertain to the obligations of financial institutions regarding the disclosure of personal information and the definition of a " consumer report, '' respectively. As a concerned consumer, I am aware of the importance of maintaining the privacy and security of my nonpublic personal information. According to 15 U.S. Code 6802, it is stated that a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless certain conditions are met. Specifically : ( A ) The financial institution must clearly and conspicuously disclose to the consumer, in writing or in electronic form, that such information may be disclosed to a third party. ( B ) The consumer must be given the opportunity to direct that such information not be disclosed to the third party before the initial disclosure takes place. ( C ) The consumer must be provided with an explanation of how they can exercise the option to withhold such disclosure. These requirements are in place to ensure that consumers have control over the sharing of their personal information and can make informed decisions about its disclosure. Furthermore, as per 15 U.S. Code 1681a, the term " consumer report '' excludes communication of information among individuals who are related by common ownership or affiliated through corporate control. This definition highlights the importance of delineating the types of information that fall within the scope of consumer reports and those that do not. I kindly request that the department of Education ensures strict compliance with these provisions to protect the privacy and rights of consumers according to 15 USC 1602 ( l ). As a valued customer, I trust that the department of Education is committed to upholding these legal obligations and providing transparent communication with regard to the use and disclosure of my personal information. Thank you for your attention to this matter. I appreciate your dedication to maintaining the highest standards of privacy and security for your customers. Should you have any further information or updates regarding this issue, I would appreciate being kept informed.
Company Response:
State: PA
Zip: 17046
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Submitted claim on XX/XX/2023 for identity theft on the amount of {$8000.00} Discover claims : We found you liable for the transactions for the following reasons : Multiple fraud claims with like transactions. Valid payments are made on account without disputing balance when card is near limit and the credit from the payment allows transactions to go through. Valid keyed and/or swiped transactions mixed with fraud transactions. Claims made of not traveling in or near where the fraud took place, however login sessions or IP address reports back in the area the fraud transactions occurred. However the account 's information was stolen through cloning, online banking data breach, and/or social engineering. IP address faked using VPN. I did not consent to having my card and funding used to pay for these things, and have evidence to support my claims that these transactions are not valid.
Company Response:
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Discover card XXXX XXXX These two accounts are fraudulent and werent authorized by me at anytime.
Company Response:
State: MI
Zip: 48185
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX has made claims that i have mistaken what a charge off is, a charge off is considered income to the IRS, associated with 1099c tax form which gets filed, A consumer report can not contain income therefore it would be a violation of federal law to report income on a credit report as it would not be accurate. additionally consumer is requesting any itemized bill and purchase agreement and also original contract with original creditor containing wet signature. CONSUMER IS NOT REQUESTING ACCOUNT MONTHLY STATEMENTS. CONSUMER IS ALSO REQUESTING FULL FILE DISCLOSURE UNDER 15USC 1681g
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I tried to set up automatic payments with XXXX XXXX but their system was down. I XXXX XXXX XXXX and missed a payment because I thought I had set it up but didn't. I paid the payment straight away and reported the problem of their system being down but they said they wouldn't fix it. I have screen shots attached to this that show the system being down at the time.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A