Date Received: 2023-07-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: DISCOVER BANK Is illegally reporting on my credit report. Improper use of my report. In accordance with the FCRA this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 ( a ) section 2 it also states the consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Company Response:
State: NV
Zip: 89107
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No late payments- thats an error
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Trouble using your card
Subissue: Account sold or transferred to another company
Consumer Complaint: Discover bank still has my XXXX credit card attached to my XXXX wallet they wont remove the card from my phone. The account has been closed and sold to a debt collector. Ive contacted the company and I got transferred to somewhere in XXXX and this happened of XXXX but around XX/XX/XXXX and discover when I called them up they have no acknowledged my account but the wallet is stuck in my XXXX XXXX and they they tell me that they cant remove it from my phone.
Company Response:
State: FL
Zip: 33617
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
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: I filed a dispute multiple time with the credit bureaus. I have filed a FTC report as well, each XXXX of these efforts have come back that the accounts were verified, and my request have been ignored despite being a victim of identity theft. I the filed FTC report on XX/XX/XXXX of XXXX. XXXX XXXX XXXX Acct # XXXX {$0.00} Filed FTC report XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX {$0.00} Filed FTC report XX/XX/XXXXXXXX Discover Bank Acct # XXXX {$890.00} Filed FTC report XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX {$720.00} Filed FTC report XX/XX/XXXX
Company Response:
State: TX
Zip: 76051
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
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 presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to 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: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
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 presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to 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: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of XXXX XXXX XXXX, and I need you to remove the Discover Credit card from my credit report please!
Company Response:
State: OR
Zip: 97217
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I would like to file a formal complaint against Discover Card due to the horrible experience I suffered through today. When I applied to Discover Card last month, I provided documentation requested on the application Discover Card sent me in the mail. Discover Card sent me a card, which I promptly activated although I have not yet used it, and Discover Card has sent me several emails including why they could not agree to the credit transfer amount I requested and another encouraging me to use the card and/or transfer a smaller amount to the card without interest for the next 15 months. Today I received a message on voice mail allegedly from Discover Fraud Department from a different number than what is on my card as Discover Cards number. ( The call was from XXXX XXXX XXXX wanting me to call XXXX XXXX XXXX. ) I called XXXX XXXX XXXX as shown on my card and after provide the computer with my Social Security number, zip code, credit card number and waiting several minutes on hold, I had the misfortune of reaching XXXX. She claimed that I needed to provide proof of my identity by XXXX XXXX XXXX or the Discover Card would be cancelled. I have already provided my information to Discover and while she continued to give me the run around, she refused to transfer me to her manager ( She claimed they did not have any available but they could call me back in 48 hours not acceptable customer service by any standard! ), refused to provide the name of the federal agency that regulates Discover card ( Said that was against company policy ), and refused to provide the name and contact information for Discovers President. I then asked for a copy of the policy in writing, which she also refused. After continuing to refuse any request I made and continuing to give me the run around, she finally hung up on me at about XXXX XXXX Clearly this was some type of fraudulent attempt to harass customers while rudely refusing to provide a reasonable escalation for her incompetence. I then searched the web for Discovers contact information ( Their website does not have any. ) and finally found a number of XXXX XXXX XXXX, which according to XXXX is not a working number. Further searching led me to XXXX XXXX XXXX, which a computer answered as Executive Offices. After selecting prompt 2 and multiple phone system transfers, my call was answered by XXXX. After looking up my account, she claimed that I was part of a review process and that she would get started on my complaint right away and that I should hear back in 5-15 business days. ( Again, this is not acceptable customer service by any reasonable standard!! ) She claimed that she did not know which federal agency regulated Discover Card, but she did finally promise to call me back as soon as she found out. ( At this point, and after being abused today by Discover Card, I have little faith that I will receive a call back. ) XXXX did provide me with what she said was her direct number of XXXX XXXX XXXX, saying that it was a small office and that anyone who answered would transfer the call to her.
Company Response:
State: NE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: discover bank has committed friad by opeing a credit card that they refuse to take off my credit report, i have sent valid information including documentation showimg im a victim of identity theft i do have an attorney hired to sue discover bank, their representative has failed to properly take care of this situation, i have informed her of my situation, ignored, i am a Victim of identity theft i am now in a legal process because of her actions her name is XXXX for customer advocacy and wouldnt even return my calls, i will use this information amd give this attorney if mot resolved by discover bank, they have used my information ot establish this account with out my permission i gave an amount XXXX to settle for damages and have this removed i will send the cooy of the agreement i signed so discover bank can and will tkae me serious, discover bank has open this fraudulent account and has forged my signature on this account, i will sue discover bank for negligence and for compromising my information and using my information fraudulently and take my complaint seriously and do not ignore this statement of facts, your rep has for this to the point of being rude and unprofessional now I have a settlement amount and my request now please honor this complaint and my reason I did not open this accident
Company Response:
State: GA
Zip: 30101
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
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: I purchases a firearm from a company called XXXX XXXX with my Discover Card in XXXX of 2022. The company sent the firearm to me instead of my wife who I purchased it for so I could not pick it up because that would be lieing on a Federal Firearms form. I reported this to Discover and jumped through all the hoops they asked me to yet they still refused to get my money back. Moriarti Armaments also refused to fix the problem and refused to return my money. At this point the firearm was never picked up, and they sent a mailing sticker to the FFL and the firearm was returned to them. After a year I still have not had my money returned and my wife still doesn't have the firearm I tried to purchase for her.
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A