Date Received: 2023-08-02
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: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: CA
Zip: 94303
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: IDENTITY THEFT VICTIM DUE TO DATA BREACH FROM XXXX, AND OTHER CRA. HAVE DOCUMENTS OF FILE REPORTS TO FEDERAL ENFORCEMENT AND IDENTITYTHEFT .GOV
Company Response:
State: CA
Zip: 92374
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
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: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XXXX. XX/XX/XXXX discover sent me an email stating they wanted me to verify my identity. I didnt see said email. This email came from XXXX. XX/XX/XXXX I contacted them because my card didn't work. They explained to me about the email. They agreed to send me a new link because while they were on the phonebi searched for the email and the link wouldn't work. I've had this card for 4 years now. I waited all day n never recieved the email so that night I called back. They now told me they couldn't send a new email because the 42 day window was up as of XXXX the night before and my account was scheduled to be closed. I do not believe for a second the window is 42 days very random number n I randomly contacted them the next morning. I have never seen any paperwork that shows this number or in any recent emails do they explain this arbitrary number. They then said it wasn't closed yet but would be and there's nothing I could do even though I was in contact with them and attempting to resolve it. I explained this would hurt my credit and I would suffer financial hardship from this. They explained it would hurt my credit less if I closed the account voluntarily. This also was a red flag. I have no balance on the card n they accepted no less than 4 payments in the time frame of said 42 days. Then I was told I could write to their complaint dept and ask to reopen the account that at the time of them telling me hadn't actually been closed yet. But at this point there was nothing I could do.
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: Brought some items from offline from a store call XXXX XXXX never received the product nor is they trying to refund the amount was {$35.00} I transferred {$36.00} to anther card on XX/XX/XXXX cause it wouldnt accept my regular card so the purchase went through on that day the company said its being shipped but its not I checked for a tracking number from where I live an they couldnt provide me with one the postal couldnt track with the number they provided me with
Company Response:
State: NJ
Zip: 07107
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I have a bank account in XXXX ( XXXX XXXX XXXX XXXX ) and this year I withdrew the deposits as they matured. I noticed that I have been charged carrying fees for my transaction. Discover bank says they don't charge for wire transfer. Discover bank uses XXXX XXXX XXXX as correspondent bank. I have asked them why the year there has been between about {$50.00} lesser in remittance. Discover says they don't charge anything. XXXX also says they don't charge anything. My question is who is taking this money from me without reporting? all this transactions are USD and not in rupee. So, there is not currency exchange fees either. Can you please help me solve this mystery as I have lost at least {$300.00} in international transfers so far.
Company Response:
State: KY
Zip: 41042
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: " As indicated by the Fair Credit Reporting Act 15 USC 1681 segment 602 a states " There is a need to safeguard that purchaser revealing offices practice their grave obligations with decency, unbiasedness, and a regard for the shopper 's right to security. '' XXXX and XXXX are customer revealing offices and I'm the Buyer. I reserve the option to ensure my confidential data isn't shared which is upheld by 15 USC 6801 which states '' It is the approach of the Congress that each monetary organization has a positive and proceeding with commitment to regard the security of its clients and to safeguard the security and privacy of those clients ' nonpublic individual data. '' ( Furnisher of data to credit organizations ) is a monetary establishment by definition under that title. 15 USC 1681 segment 604 a part 2 expresses that " In everyday Subject to subsection ( c ), any shopper revealing office might outfit a purchaser report under the accompanying conditions and no other : as per the composed directions of the purchaser to whom it relates. '' ( Furnisher of data to credit organizations ) the monetary establishment and the Purchaser announcing offices XXXX and XXXX try not to have my agree to outfit this data and they unquestionably don't have my composed assent. All agree to XXXX, XXXX, ( Furnisher of data to credit organizations ) whether it be verbal, non-verbal, composed, inferred or then again in any case is denied. 15 USC 6802 ( b ) ( c ) states that " A monetary foundation may not reveal nonpublic individual data to a nonaffiliated outsider except if the customer is given a clarification of how the shopper can work out that nondisclosure choice. '' ( Furnisher of data to credit organizations ) Never educated me regarding my entitlement to practice my nondisclosure choice. Not just that 15 USC 1681C ( a ) ( 5 ) states '' Besides as approved under subsection ( b ), no customer announcing organization might make any buyer report containing any of the accompanying things of data Some other unfriendly thing of data, other than records of convictions of violations which predates the report by over seven years. '' They are reporting this negative account again without my permission, which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " An individual will not outfit any data connecting with a purchaser to any shopper revealing organization assuming the individual knows or has sensible reason to accept that the data is off base. " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title, '' reads " Every consumer reporting agency shall maintain reasonable procedures. '' XXXX and XXXX are not keeping up with sensible strategies. Likewise 12 CFR 1016.7 states that " A customer may practice the option to quit whenever. '' I will no longer use your reporting services I am opting out. 15 U.S. Code 1681o - Civil liability for negligent noncompliance In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure Negligent noncompliance means the law was violated not on purpose but just due to a lack of knowledge on the required reporting procedures.
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
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: SUMMARY : XXXX XXXX XXXX, XXXX., XXXX, a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, purchased four bottles of XXXX brand Ubiquinol ( the active form of CoEnzyme Q10 ) encased in oil as a gelcap on XXXX. Ubiquinol is fat soluble, which means it must be taken with fat or oil to dissolve. XXXX instead sent XXXX XXXX four bottles of XXXX Ubiquinol in a dry powdered tablet, which lab test results show to be worthless as containing little or no Ubiquinol. XXXX refused to apologize for sending the wrong product and immediately send the correct product at no additional charge to XXXX XXXX, refused to issue a refund, and refused to accept a return of the product. The purchase was made on Discover Card, and XXXX XXXX initiated a dispute for the transaction. Discover Card fumbled and bungled XXXX XXXX XXXX complaint THREE times and accepted XXXX XXXX proof that " some '' product was sent and received, even though it was not the product ordered by XXXX XXXX. Speaking on a recorded lines each time, Discover Card 's own dispute resolution staff admitted " The resolution specialist reviewing your account did not understand that you ordered gelcaps, not dry powdered tablets. '' " XXXX did not respond to your complaint that the wrong product was sent to you, and our resolution specialist thought you were claiming that did not receive any product. '' Ultimately, Discover Card attempted to absolve any liability by referring the dispute to an " unbiased '' arbitrator, who has a 99 % -100 % track record of always finding for the corporate supplier and 99 % -100 % of the time against the consumer purchaser. 1. On XX/XX/XXXX, XXXX XXXX purchased XXXX Ubiquinol tablet form from XXXX for a price of {$22.00} per bottle. See attached picture file. 2. A laboratory test to verify these tablets indeed contained Ubiquinol and check for possible fraudulent conveyance and lack of active ingredient demonstrated that XXXX XXXX XXXX serum CoQ10 value was in the lowest quartile of the reference range and a value of XXXX. See picture file labeled as low test result for CoQ10. XXXX XXXX attests that he can normally achieve this low serum level of CoQ10 without consuming any Ubiquinol supplement. This level is far from optimal, which necessitates his taking Ubiquinol as a supplement. 3. On XX/XX/XXXX, XXXX XXXX specifically ordered XXXX Ubiquinol in softgel form, in which true Ubiquinol would be suspended in an oil. See picture file labeled XXXX XXXX order for softgels. 4. The XXXX softgels were much more expensive than the XXXX tablets. Each bottle of gelcaps/softgels was {$32.00}, and XXXX XXXX paid that higher price for FOUR bottles. See attached picture file labeled XXXX price of bottle 5. XXXX XXXX was willing to pay this higher price in order to get XXXX Ubiquinol in gelcaps rather than the worthless product in tablet form. 6. The picture file captioned XXXX XXXX shows my blood test result when consuming genuine, authenticate, real Ubiquinol 300 mg. The result of XXXX places me in the top quartile of the reference range, which is an optimal level of CoQ10. 7. As part of my dispute, I included the picture file labeled Contents white tablets not softgels, which shows the bottle sent to me by XXXX with " softgels '' on the label but white tablets inside the bottle. 8. As part of my dispute, I advised Discover Card that I still had two unwrapped with the outer warehouse wrappers uncut and the bottles unopened from this order. See two pictures. Anyone shaking these bottles will hear the rattling sound of tablets, not the silence of softgels/gelcaps. The warehouse wrappers state the content is Ubiquinol but do not state gelcaps -- - a possible sign of XXXX negligence that should have been rectified in Discover Card 's dispute process. 9. XXXX charged a higher price on XX/XX/XXXX, for Ubiquinol in oil-based gelcap form than in dry powder pill form. 10. Ubiquinol is a fat soluble compound, which means that it is dissolved and metabolized by the human body when it is combined with oil or fat. 11. XXXX sent XXXX XXXX XXXX bottles of XXXX brand Ubiquinol labeled as gelcaps on the outside but which contained dry powder pills inside. 12. XXXX XXXX took pictures of the pills inside one such XXXX bottle and sent the picture as an attachment to Discover Card as attachments to his dispute. 13. XXXX XXXX obtained a blood test to check whether the pills he purchased from XXXX contained any Coenzyme Q10, and XXXX XXXX attached a copy of the blood test result to his dispute with Discover Card. 14. The blood test received by Discover Card and forwarded to XXXX showed that his Coenzyme Q10 levels ranked in the lower quartile of normal reference range. 15. The purported dose of Ubiquinol in the product supplied by XXXX and shipped by XXXX was 300 mg ( per gelcap ). 16. XXXX XXXX had previously taken 300 mg of Ubiquinol suspended in a gelcap and obtained blood tests showing his serum CoQ10 levels were in the top quarter to top decile of the reference range. See picture file labeled XXXX XXXX XXXX. XXXX XXXX sought to return the merchandise to Amazon for a refund alleging a fraudulent lack of Ubiquinol in the XXXX pills, a fraudulent label showing gelcaps but actually pills inside each bottle, and a fraudulent charge of higher priced bottles for gelcaps sold to XXXX XXXX. 18. XXXX XXXX sought a refund from XXXX within 30 days of the product arriving at his home. 19. XXXX displayed a screen showing no return of the XXXX pills was allowed and no refund could be requested, as shown on the attached screen capture picture file labeled XXXX offers no refund or replacement for fraudulent product. 20. XXXX XXXX included a copy of this screen capture picture as an attachment to his dispute with Discover Card. 21. XXXX refused to provide XXXX XXXX with an address where he could return the Ubiquinol pills. 22. XXXX XXXX demonstrated to a Discover Card dispute representative that the Ubiquinol sent to him were pills and not gelcaps by shaking the bottle during his conversation and letting the Discover Card representative here the rattling sound of pills inside a plastic bottle. 23. The Discover Card dispute representative spoke to XXXX XXXX on a recorded line. 24. The Discover Card dispute representative confirmed in the call that he could hear a rattling sound of the pills being shaken in the bottle and that he would have expected to hear no sound if the bottle had contained softgels. 25. XXXX XXXX sent Discover Card photographic proof of a XXXX bottle labeled softgels, and when the contents was poured out, pills can be seen in the photo attached to his dispute and shown in the attached picture file Contents White tablets not softgels. 26. XXXX fraudulently sold XXXX XXXX Ubiquinol softgels , in which the Ubiquinol would be suspended in oil/fat inside the softgels, and instead shipped him dry powder pills. 27. The 300 mg dose of Ubiquinol in dry pill form yielded significantly lower ( bottom quartile of the reference range ) serum CoQ10 levels than what XXXX XXXX had achieved with a 300 mg softgel dose of Ubiquinol ( serum CoQ10 in the top quartile of the reference range ). 28. Discover Card employed and paid for a ( bogus ) arbitrator to review XXXX XXXX dispute. 29. Discover Card provided XXXX XXXX with no notice of the hearing or an opportunity to present evidence during the arbitration hearing. 30. The arbitrator has a track record of siding with merchants approximately 99 % -100 % of the time ; otherwise, he would be replaced with an arbitrator who always sided with the corporation supplier. To maintain this arbitration stream of income, the bogus arbitrator simply sides with the corporation against the consumer regardless of the facts. 31. Discover Card refused to provide XXXX XXXX with the name and contact information for the arbitrator. 32. Prior to this episode, Discover Card alleged that it had a fair and reasonable dispute process, and that it would not charge XXXX XXXX for products that he did not order. XXXX XXXX relied on these promises and declarations by Discover Card to make this specific purchase for a product from an uncertain supplier. 33. Previously he had purchased products on XXXX using a Mastercard, not Discover Card. Therefore, Discover Card 's material representations as to an honest dispute resolution process, not a fumbling and bumbling mistaken and then accept whatever the merchant says without question, affected XXXX XXXX 's decision to use Discover Card.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I applied for a loan with discover personal loans. They requested my most recent 3 months of bank statements I provided statements for XXXX XXXX and XXXX of XXXX. They wouldnt continue processing my loan until I provided them a XXXX statement. I have no XXXX statement as my bank doesnt provide until around the XXXX of the month. Discover has no disclosures that I seen that says if you apply at the end of the month you must wait for your bank statement before your loan will be processed. Had I known this ahead of time I would have never applied as it resulted in an inquiry to my credit report. I think discover is being deceiving.
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I informed filed a report about this account when it comes to my identity being stolen. A discover credit card was illegally opened in my name.
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A