Date Received: 2023-08-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section 604 a section 2 " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent. 15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third party " 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response:
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above. Enclosures : a. Identity Theft Report b. List of Fraudulent Accounts on my Report c. FCRA Sections 605,609,6011 d. Proof of Identity To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate information on my credit report. I am writing to dispute fraudulent accounts opened without my consent. I did not open these accounts, nor did I give anyone authorization to do so. I am requesting that the accounts are removed and blocked. I am distressed that you have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The attached information therefore needs to be investigated. I respectfully request to be provided with proof of these alleged items, specifically the contract, note or other instrument bearing my wet signature.
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX XXXX, has violated my rights. 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 a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: MS
Zip: 39503
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I had a late payment of 30 days and 60 days reported to the credit bureau from the creditor Discover Student Loans. This occurred during the 2020 pandemic for the months of XXXX and XXXX of 2020. The account was paid in full in XXXX of 2020 and the creditor still did not remove my late payments that occurred due to the shelter in place law in 2020 during the pandemic. I have attempted to have the creditor remove the late payment history several times to no avail which is extremely unfair. The balance was small and not only that was paid in full immediately the following month after the late payments.
Company Response:
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/23, {$140.00} was withdrawn via an ATM. The withdrawal was from an ATM in Maryland when I was out of state in Pennsylvania ( I was out of town from XXXX ). I offered proof that I was not in the state and could not have made the withdrawal and Discover refused to investigate. They claimed that there was no way that an ATM withdrawal could have occurred without my physical card. They failed to tell me that skimming is a current scam and that consumers are victims of this all the time. I asked them to review the video tape of the ATM transcation, which would clearly show it was not me who withdrew the money. They refused and closed my complaint without doing anything to fix the problem. They also failed to inform me of this well known scam and they did not advise me how to avoid this type of fraud in the future.
Company Response:
State: MD
Zip: 21042
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: I sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by sending me a letter XX/XX/XXXX which is a FDCPA violations.
Company Response:
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/XXXX : Discover allowed a payment to be processed by XXXX XXXX XXXX in the amount of {$260.00} even after a stop payment was put in place by Discover at my request for all payments initiated by XXXX XXXX XXXX as of XX/XX/XXXX. This stop payment was supposed to stop any and all payments ranging in amounts from {$1.00} to {$30000.00}. When I called to fight the processed payment, Discover said that a stop payment didn't really mean anything and that they could not guarantee that future payments wouldn't be processed. They refused to honor the stop payment and reimburse my money.
Company Response:
State: MD
Zip: 21042
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
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/23 I placed an internet order with XXXX XXXX for five items totaling {$390.00} ( including shipping ). I canceled two items on XX/XX/23 and was refunded {$150.00} on XX/XX/23. The remaining three items were shipped and delivered on XX/XX/23. All three items showed quality control issues ( not as pictured or described, ie, defective ). Since the items are meant for display, the defects defeat the purpose for which they were intended. According to XXXX XXXX 's website, returns are allowed for any reason and refunds/exchanges are offered for defective products within 30 days of receipt. I emailed them on XX/XX/23 regarding the defects and provided photos ; they did not respond. I emailed them again on XX/XX/23 and there was still no reply. I submitted a claim to Discover on XX/XX/23 with the reason that the quality of goods or services was not as expected or advertised. On XX/XX/23, Discover notified me that they could not continue further with the investigation on my behalf and to contact the merchant directly. During a chat with Discover on XX/XX/23, the agent stated that the case was closed because they did not receive documents showing the items were returned. I replied that I could not obtain a return authorization since XXXX XXXX did not reply to my emails and the agent said that they can not force a merchant to accept a return. I inquired about asserting claims and defenses but the agent said there is nothing else we can do for me. On XX/XX/23 I mailed a package to Discover with documentation asserting claims and defenses. On XX/XX/23 Discover replied that they received my request and we've already considered this information and could not continue the dispute. On XX/XX/23 I initiated a chat that ultimately went through two agents and two supervisors, all of whom provided the same canned response indicating that they required documentation that shows you have completed a return. I noted that I would pay the outstanding balance out of duress since it was obvious that they were not going to help me and would charge me late fees/finance charges. On XX/XX/23 I received notification from XXXX XXXX regarding a notice on my credit report from Discover ; when I checked, I saw that my credit score had also dropped. Per my state ( California ) 's Attorney General 's consumer credit card page, You can assert claims and defenses with your credit card company if something you bought for your personal, family, or household use is not how it was represented as being and the seller refuses to fix the issue. I provided documentation showing that I tried to resolve the problem with XXXX XXXX directly and that they refused to remedy the problem. Discover infringed my rights to assert claims and defenses by making a remark on my credit report which lowered my score and by forcing me to pay under threat of late fees and finance charges.
Company Response:
State: CA
Zip: 91754
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The company Discover It has inaccurately reported information on my consumer credit report. Despite my efforts in reaching out to all three credit bureaus and the creditor directly, a satisfactory resolution has yet to be achieved. This misinformation is impacting my credit profile significantly, and I urge the XXXX XXXX Credit Bureau to take immediate action to rectify this matter. Your prompt attention to this serious issue is greatly appreciated. ( Last report Date XXXX XXXX, Balance : {$8900.00} ) - This inaccurate information is reporting on my XXXX XXXX Credit Report and needs to be corrected and removed permanently.
Company Response:
State: TX
Zip: 755XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT I have a credit card with Discover. I have made perfect payments since XXXX, never a late payment with credit cards, even during the pandemic. I was the person that saved money for a rainy day. Then a bad medical situation hit a few years ago. 1. I had a XXXX XXXX and several XXXX XXXX and was XXXX. I went XXXX for a short time 2. I had numerous surgeries where my XXXXXXXX XXXX XXXX. 3. I got XXXX XXXX ( XXXX of XXXX times ) during one of the surgeries. I was on a XXXX. I had another XXXX. Even during all this time i had my personal bank make sure my bills were paid on time. I had {$700000.00} in medical bills which I paid completely off draining my resources. I had over 2 years of XXXX to build myself back up. 4. I managed to keep my job until the pandemic when they laid me off after 20 years. 14 months later my job was eliminated. And I still paid my bills on time. 5 I applied for over XXXX jobs and have been unsuccessful, I retrained and got advanced degrees. Being over age XXXX no one seems to be hiring me. 6. My spouse left me and my children ( I had kids late in life ) and I raise the kids myself 7. My spouse emptied our retirement account. 8. Due to hacking, XXXX XXXX, Discover ( XX/XX/XXXX discover released my information during a hack ), and other credit cards and one of the credit bureaus allowed my information to be released on the dark web and my identity has been stolen resulting in over XXXX attempts of credit being opened in my name and bank accounts drained, I have had my mail stolen. Although the credit bureaus have frozen my credit file, credit issuers have not been good about stopping this. 9. Up to XX/XX/XXXX, Bills have were paid on time. 10. I called Discover the month before the credit card bills were late. I asked for some type of forbearance or arrangements until my income resumes. ( I had asked this during the pandemic and been ignored They told me after being transferred around that they could not help me until I was in Collections. I asked about any XXXX XXXX programs. They said sorry we can not help you until you are late with your bills. I said im being proactive is fixing the problem. Starting in XX/XX/XXXX and follow-ups in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I I sent letter asking for up to 7 years of credit card statement to which I have received nothing. I have asked for debt validation. DISCOVER has not replied to requests. DISCOVER has not reach out to me about this.DISCOVER this past month decided to file court action in a attempt to collect debt.
Company Response:
State: OH
Zip: 43040
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A