Date Received: 2023-07-11
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Request for Discover to be financially sanctioned and to be instructed to erase my personal information and to stop contacting me. To whom it may concern, I recently opened a complaint case, through the Consumer Financial Protection Bureau ( CFPB ), against Discover. I had a student loan with them, which I paid in full, in 2019. Unfortunately, you, the CFPB, closed the case, just because Discover answered my complaint, but Discover did not offer to stop contacting me and erase my personal information. Discover completely disregarded my request to stop sending any kind of communication to me, which even after I paid the loan in full, they keep doing, contacting me, via physical mail and emails. Enclosed you will find the letter, sent by Discover, which I received a few days ago, where they insist, they will not erase my personal information and will not stop contacting me. They even took the liberty of sending a letter with printing errors, including their address, which I assume they did on purpose. This I assume is illegal. Please proceed to economically sanction Discover, since they are violating my privacy rights and to instruct them to erase my personal information and to stop contacting me in any way, shape or form. Regards, XXXX XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Discover Obtained a copy of my XXXX Credit Report without my written or verbal permission. Below is the inquiry I would like to have permanently removed : 1. DISCOVER FINANCIAL SER - DATE : XX/XX/2023 XXXX. XX/XX/2023
Company Response:
State: NY
Zip: 14850
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/23 I checked my XXXX and XXXX XXXX accounts to find there had been 2 hard inquiries that I did not authorize or know anything about. I have tried to contact both companies but to no avail.
Company Response:
State: NC
Zip: 27511
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2023, I noticed that I had fraudulent account opened in my name. I tried to dispute this with the company and they have failed to resolve this issue.
Company Response:
State: MI
Zip: 48239
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I XXXX, XXXXagent requested a bill statement monthly payoff for the account on XX/XX/XXXX and the statement was posted to the online account on XXXX. The bill statement is due by the XXXX of XXXX. On XX/XX/XXXX the first letter of instructions ( claim of credit ), POA, federal reserve section 16 and 29, and the negotiable instrument of the bill statement monthly payoff endorsed was sent to the CFO ( XXXX XXXX XXXX ) over night and was received on XXXX the XXXX at XXXX XXXX ( letter of instructions states 5 business days will be given to receive a response. A copy of the endorsed negotiable instrument of the bill statement monthly payoff was sent to the billing center requested in the letter that was sent to XXXX XXXXPrincipal. No correspondence from the CFO was ever received of completed instructions. The second set of instructions that was sent to the CFO ( opportunity to cure ) along with POA, federal reserve section 16 and 29, and the negotiable instrument of the bill statement monthly payoff on XX/XX/XXXX and received on XX/XX/XXXX at XXXX XXXX giving 5 business days to respond. No correspondence has been received at this time from the CFO. The third set of instructions will be sent on XX/XX/XXXX ( default of notice ) along with POA, federal reserve section 16 and 29, and the negotiable instrument of the bill statement monthly payoff. Again, given 5 business days to respond accordingly. All instructions were sent overnight using USPS with tracking. Also, all items sent had to receive a signature upon delivery. A copy of this file complaint and all evidence has been sent to the CFO as well. As of XX/XX/XXXX the instructions have not been completed by the CFO at this time. As of now the CFO of Discover Financial Services is in violation and breach of contract of the following laws/acts : 15 USC 1611 , 3-602, 3-603, 3-604, 3-611, 3-408, 3-409, federal reserve act section 16, and federal reserve act 29. Due to the nature of the violation, I am seeking remedy of the bill statement monthly payoff to be paid out for the account with Discover Financial Services and 1 percent of the total assets of Discover Financial Services member bank.
Company Response:
State: KY
Zip: 40031
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Consumer Financial Protection Bureau Complaints Division 1700 G Street NW Washington, XXXX XXXX Date : XX/XX/XXXX Subject : Complaint against DISCOVER BANK for Multiple Violations of Federal Law I am writing to register a formal complaint against DISCOVER BANK for the numerous violations of federal law pertaining to my account. I seek your intervention to ensure that DISCOVER BANK promptly addresses and rectifies the issues outlined in this letter. Discrimination Violation ( 15 U.S. Code 1691 ( a ) ) : DISCOVER BANK 's arbitrary reduction of my credit limit, without any valid reason or due process, is specifically targeted at me. Such actions blatantly contravene the provisions set forth in federal law, which strictly prohibit discriminatory practices in ANY aspect of a credit transaction. DISCOVER BANK 's decision to decrease my credit line without my consent, knowledge, or benefit is not only a violation of federal law but also constitutes a breach of fiduciary duty. Violations of the Equal Credit Opportunity Act and Code of Federal Regulations : DISCOVER BANK claims compliance with the Equal Credit Opportunity Act and all applicable state and federal laws and regulations. However, the reduction of my credit limit, based on discriminatory factors mentioned in a DISCOVER BANK document dated XX/XX/XXXX, directly violates 12 CFR 1002.4 ( a ), 12 CFR 1002.7 ( a ), and 12 CFR 1026.12 ( b ). By unlawfully utilizing information obtained from consumer reports, DISCOVER BANK has engaged in discrimination against me, which is expressly prohibited. This conduct also violates the Graham-Leach-Bliley Act ( 15 USC 6802 ( 1 ) ), as my nonpublic personal information was disclosed without written consent. Previous Violations of Federal Law and Damages : Furthermore, I want to draw your attention to previous violations of federal law documented in CFPB complaint ID # XXXX. These violations include breaches of 15 USC 1602 ( f ), 15 USC 1602 ( p ), and 15 USC 1691 ( a ) ( 3 ). Consequently, I have suffered financial harm, mental anguish, emotional distress, and an inability to support my family, address essential household repairs or improvements, or invest in my business during the COVID-19 pandemic, when financial assistance was crucial. Unwarranted Contact and Harassment : DISCOVER BANK contacted my sister, who has no accounts or relationship with them, on XX/XX/XXXX at XXXX XXXX EST, using a phone number ( XXXX ) XXXX that I never provided to DISCOVER BANK. This unwarranted communication, made without my knowledge, permission, or authorization, directly violates 15 U.S. Code 1692d and constitutes harassment. As a result, my reputation has been tarnished, my family has experienced significant disruptions, and I have suffered emotional distress. Moreover, this unwarranted contact has further worsened the adverse impact on my credit score resulting from the reduction in my credit limit. Unresolved Complaints : I must emphasize that none of my complaints previously filed with the Consumer Financial Protection Bureau have been adequately resolved. Please find below a list of the unresolved complaints : COMPLAINT ID : XXXX DATE FILED : XX/XX/XXXX COMPLAINT ID : XXXX DATE FILED : XX/XX/XXXX COMPLAINT ID : XXXX DATE FILED : XX/XX/XXXX Ensuring Fair Treatment by Financial Institutions : It is of paramount importance to ensure that consumers are treated fairly by banks, lenders, and other financial institutions. I implore the Consumer Financial Protection Bureau to thoroughly investigate this matter and hold DISCOVER BANK accountable for their actions. Thank you for giving immediate attention to this matter.
Company Response:
State: MT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I am have a XXXX XXXX XXXX credit card account and someone got my all personal info & i don't who & how it got leaked but then someone did a cash advance transaction of {$10000.00} from my XXXX XXXX XXXX to discover bank, someone created discover bank account also fraudfully on my name and even my personal phone number was stolen and ported out all on same day. he used all my info like name address stolen phone number ssn, i did police complain and provided all documents and details to XXXX XXXX XXXX now everytime they say on fraud claim that it was your same personal information which was used like address etc so we can't refund the fraud amount {$10000.00} back. It is logical that if someone fraud stolen all my info from somewhere and fraud doing personal will use customers info only not his own identify to do fraud activities but now XXXX XXXX XXXX is not helpful at all. When XXXX XXXX XXXX need business then they will alway be behind customer to sell their product but now after customer is using their product and getting fraud issue then they not refund {$10000.00} money for which i got fraud. My Claim number : XXXX was this. At the time when i know some {$10000.00} cash advance i contacted XXXX XXXX XXXX XXXX right away when it was just in processing state [ if XXXX XXXX XXXX have any call records then it will be recorded as part of those customer care calls ] at that time person from fraud team said no need to worry let it complete we will take care of it and fix but afterwards now they are not at all refund money back. Even i reported to discover bank and discover bank says as i am not an owner of that bank account as i reported then fraud so XXXX XXXX XXXX is the only XXXX who need to resolve this as i am XXXX XXXX XXXX customer. Now i don't know where to go how get my {$10000.00} money back for which fraud has been happen with me on my XXXX XXXX XXXX credit card cash advance.
Company Response:
State: WI
Zip: 53186
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I have an account with Discover- this complaint is primarily about their violation of the Fair Debt Collection Practices Act but also misleading statements made during the pandemic under the guise of offering assistance. In the past XXXX calendar days Discover has contacted me over XXXX separate times regarding my defaulted account, on a week that included a federal holiday ( XX/XX/XXXX ) where they were presumably closed. Some days this exceeds XXXX or XXXX calls beginning at XXXX XXXX and ending around XXXX. I am aware that is within the allowable time window, just illustrating that it begins as soon as they can and goes repeatedly all day and night. The quantity of calls is XXXX the allowable amount. I can not remove my phone number from my account because when it was an active account I opted into text alerts, I can not opt out of those alerts though their website anymore because the account is closed. That seems a blatant attempt to try to circumvent laws by locking people into a supposed " opted in '' status without the ability to opt out. During the pandemic I entered a payment plan with them, the supposed agreement was XXXX of fixed automatic payments of a lower amount than my minimum payment had been and a slightly reduced interest rate. The deal was promoted to me as " the account would be suspended during the payment program and if I made all the payments on time then at the conclusion of the program the account would remain open ''. I submitted the XXXX payment on time in XXXX of XXXX. While they acknowledged I had completed the plan, and that my account showed an available credit of over {$3000.00} they never turned my card back on citing that it was pending a review. The minimum payments however still doubled to over {$700.00} a month which was more than they were before the payment plan despite my balance being reduced by thousands. In XXXX I lost my job and Discover was unwilling to make any additional deals or payment plans. By XXXX I could no longer afford the payments against a card with no credit line and it seemed clear that they had no plans to reactivate the account so I prioritized other debts and defaulted. That program seemed like a blatant attempt to collect {$7200.00} in payments from me against an account they had no plans to keep open so they could continue to charge higher interest for that year, so the {$7200.00} in payments only reduced the balance by {$3000.00}, as opposed to the closed account payment options with interest rates as low as 0 %. They are no longer willing to offer low interest settlement, the best they will do is knocking a few XXXX off and wanting payment in full within 3 months. I spent a total of 11 months unemployed in multiple stints since XX/XX/XXXX, and paid them on time for all XXXX of the " assistance '' payments during this time. They " continued '' the relationship by not upholding their end of the deal and now aggressively harassing me in violation of the law.
Company Response:
State: NJ
Zip: 07302
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
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 purchased a motorcycle part on XXXX from XXXX XXXX using my Discover credit in the amount of {$280.00}. I did not receive the correct part. I contacted Discover and disputed the amount. I finally received a final determination on XXXX. A decision has been reached for this investigation and we have found that this transaction is valid. You can expect to receive information on this decision to be sent to you via mail or secure message at Discover.com. Please review this information when it arrives for important details summarizing this dispute inquiry. Please notify us as soon as possible if you wish to continue this dispute. I notified them again after receiving a letter and discussed the matter with them again over the phone and asked for a higher authority to contact me. I have not received any correspondence from them and they have reversed the credit. I refuse to pay for a item that I did not want. I am willing to return the item back but the seller refused. I am unable to use this part as it does not fit my motorcycle correctly. If I used it I would cause serious harm to myself and others.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
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: This account is paid in full 100 % payment history!
Company Response:
State: CA
Zip: 92374
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A