Date Received: 2024-01-04
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: They suddenly requested Form 4506C, which came preprinted with my current new address. However, the filing took place with a previous address where I filed my taxes.
Company Response:
State: NJ
Zip: 07036
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My original complaint can be referenced to complaint ID XXXX. My response to there response is here. I trust this message finds you well, and I appreciate your swift response to my recent communication with the Consumer Financial Protection Bureau ( CFPB ). After carefully reviewing the information provided regarding my Discover card account ending in XXXX, it is evident that there are ongoing concerns that require further attention. As explicitly stated in my correspondence dated XX/XX/XXXX, I exercised my right to opt out and unequivocally revoked any authorization for the reporting of my personal non-public information to credit reporting agencies, in accordance with the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). This opt-out request was unmistakably communicated in the letter I sent on that date. While I acknowledge that Discover card updated my account preferences as of XX/XX/XXXX, reflecting my request not to share information with third parties and corporate affiliates for marketing purposes, it is crucial to emphasize that my opt-out request extends beyond marketing preferences. It encompasses the reporting of any information, including transactional history, to all credit reporting agencies. Furthermore, the reporting agencies are currently portraying different and inaccurate information. I demand that the reporting be halted to all credit reporting agencies, not limited to XXXX, XXXX, XXXX, and XXXX. The inconsistencies among the reporting agencies are not only causing confusion but also violate the accuracy requirements outlined in 15 U.S. Code 1681s2 ( A ) ( 1 ) A of the FCRA. In addition to the cessation of reporting, I reiterate my request for compensation in line with my initial demands. For each occurrence of reporting since the inception of my account, I am requesting {$1000.00}, as well as {$25000.00} for pain and suffering and embarrassment associated with the unauthorized reporting of my information. Moreover, I would like to bring to your attention the inclusion of non-mailable addresses and non-callable phone numbers in the reported information. These inaccuracies must be promptly addressed, and such erroneous data should be removed from all credit reporting agencies. Once again, I am exercising my right to opt out, and I expect immediate action to remove all reporting, including transactional history, from all credit reporting agencies. Your thorough review of my original communication and the relevant legal provisions cited therein is essential. Immediate corrective action is imperative to address my compensation demands, cease the reporting of any information to all credit reporting agencies, and rectify inaccuracies in the reported data. Considering the potential consequences of ignoring these requests, I must express my commitment to pursuing further investigation into the information transfer process. Should these concerns persist, I am prepared to report XXXX XXXX to the Securities and Exchange Commission ( SEC ) for securities fraud. I appreciate your prompt attention to this matter and anticipate a swift and comprehensive resolution.
Company Response:
State: OK
Zip: 73507
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Discover bank XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.15 U.S.C 1666B ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditorIf a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed underSECTION 1637 ( B ) ( 10 ) OF THIS TITLEa written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required underSECTION 1637 ( A ) ( 7 ) OF THIS TITLE ) from the obligor
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I'm not the person they're calling for. The following phone numbers have attempted to make contact with me leaving voice mail messages asking for someone else. XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 95991
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Discover randomly decided to close my credit card after asking for my tax return information. I gave them what they asked for and they still closed my account, damaging my credit by doing so, even after using them with no issues for XXXX years. I had XXXX dollars balance on this card. Come to find out, my card has been getting charged payments for XXXX dollars every single month, sometimes XXXX a month, for a year. My account was closed on XX/XX/XXXX. Discover did NOTHING to fix this. Their customer service is useless. Here are the charges and the dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: KY
Zip: 40403
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I am filing this complaint against Discover Bank, represented by XXXX XXXX XXXX XXXX, related to an ongoing lawsuit for an alleged debt, which was the subject of previous CFPB complaints ( XXXX and XXXX ) in XX/XX/XXXX. These complaints addressed Discover Bank 's failure to provide necessary documentation to validate the alleged debt. Despite my requests for debt validation, Discover Bank, through XXXX XXXX XXXX XXXX, filed a lawsuit on XX/XX/XXXX, without my knowledge and while the debt validation request was still pending. This was before their response to CFPB complaint number XXXX on XX/XX/XXXX, which was my first indication of the lawsuit when Discover Bank mentioned it in their response. In a court filing on XX/XX/XXXX, XXXX XXXX XXXX claimed that on XX/XX/XXXX, I evaded service, an assertion I categorically deny. This claim of evasion of service is particularly concerning as it could have led to a summary judgment against me based on false information. A copy of the documents filed by XXXX XXXX XXXX is attached, unfortunately I have yet to receive a copy of the case information from either party and can not provide at this time. I am concerned about the potential violation of fair debt collection practices and request a thorough investigation into these actions by Discover Bank and XXXX XXXX XXXX XXXX. The opposition noting the evasion of service is attached.
Company Response:
State: MD
Zip: 20602
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I hope this letter finds you well. I am writing to address and request the immediate correction/removal of late payments on my credit report. After reviewing my credit report, I noticed inaccuracies that are adversely affecting my credit standing. The late payments in question are associated with the following accounts : DISCOVER BANK XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or DISCOVER BANK customer service representative. I understand the importance of accurate credit reporting, and I am committed to ensuring the integrity of my credit history. I have thoroughly reviewed my financial records, and I am confident that these late payments are inaccurately reported. I kindly request that you investigate and correct these errors promptly. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a thorough and reasonable investigation into these disputed entries within the legally mandated 30-day period. Please remove or correct any inaccurate information on my credit report and provide me with written confirmation of the changes made. I have enclosed copies of relevant supporting documentation, including bank statements or payment records, to substantiate my claim. I trust that these documents will assist you in expediting the resolution process. Your prompt attention to this matter is greatly appreciated. I kindly request that you notify me in writing once the investigation is complete and the necessary corrections have been made to my credit report. If there are any additional steps or information required from my end, please do not hesitate to contact me. Thank you for your prompt assistance in resolving this matter.
Company Response:
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Discover Bank is denying XXXX XXXX applicants with good credit, they are denying qualified applicants with zip codes ending in XXXX, Discover Card employee are providing false reasons to the CFPB in order to continue these acts of discrimination and also using fabricated documents to cover up these fraudulent denials, my credit disclosure report revealed a score XXXX which was due to good pay history however Discover disagreed. XXXX zip code is primarily XXXX XXXX area of XXXX XXXX ar, which is the real reason for my denial. Discover employees are avoiding discussing this in writing or on the telephone. Intentionally denying credit to entire groups of people based on national origin or the area they live in is unlawful Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including the Equal Credit Opportunity Act.
Company Response:
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Cease and Desist Communication Regarding Collections/Charge off immediately request for deletion of account. * Discover Bank I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it and stop reporting and request deletion of this account to all major credit reporting agencies immediately. According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. Therefore, I insist that you : XXXX. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt. XXXX. Stop reporting this debt by all credit reporting agency and request for deletions to all credit reporting agencies. XXXX. Do not sell or transfer this debt to any other third party. XXXX. Provide written confirmation, within 10 days of receiving this letter, that you have ceased all collection activities related to this debt. Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2.company has also no permission to report anything using my info pursuant to 15 USC 16814 . Your immediate attention to this matter is expected and appreciated.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Discover card canceled my account after 30 years. Did not contact me by mail or phone. I logged in to pay off the credit card.
Company Response:
State: FL
Zip: 33428
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A