Date Received: 2023-07-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Pursuant to 15 USC 1666b A creditor may not treat a payment on an account under and open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this titled is mailed or delivered to the consumer not later than 21 days before the payment due date.
Company Response:
State: GA
Zip: 309XX
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX of XXXX, I became aware that I was a victim of identity theft. I reported my identity theft with the XXXX Police as well as the FTC. There were XXXX fraudulent credit accounts opened in my name that I never opened and was completely unaware of. Since then, XXXX of the XXXX were disputed, investigated, verified as fraudulent, and taken off of my credit history. Those XXXX were XXXX and XXXX 's XXXX. The XXXX fraudulent account was created through Discover Bank. I opened up an investigation with them in late XXXX to dispute. I had never heard back, and assumed from my rising credit score that is was also claimed as fraudulent. However, it appeared back on my credit report in early XX/XX/XXXX - that I owe {$9900.00} ( account # XXXX ). Then I tried to reopen the investigation ( case # XXXX ). However, I received a letter back on XX/XX/XXXX saying that my dispute was " previously investigated and resolved '' and they were " unable to to reinitiate the investigation. '' I request that this Discover account and the balance owed is removed from my credit history as I never opened the account. It was opened as a result of identity theft.
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone has tried to or has opened ordered a credit card twice through Discover. I have to talk to them and the. put in a probationary period before I can order XXXX for my own use.
Company Response:
State: VA
Zip: 23139
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Discover has been denying my payments due to an error on their end. My payments have been rejected by Discover since XX/XX/2023. I became aware of this issue in XX/XX/2023. Tried to fix by sending another check that was rejected once again by Discover in XX/XX/2023. Because Discover is rejecting my payments, they have put my account in delinquency, charged me with late fees, and lowered my credit score. I've had a similar issue with Discover a couple years ago, I did not receive any response until filing a complaint through CFPB. XX/XX/2023. I tried to find a resolution multiple times before submitting this complaint. Discover still claims to be unable to assist and has offered no resolutions. XXXX - Called discover, Agent could not help. Agent forwarded me to another department ( which was closed ) XXXX - Called back trying to resolve, agent forwarded me to supervisor XXXX - supervisor says to call the other bank ( XXXX ). I ask her to hold as I call my other bank. Discover agent disconnects the call. XXXX - I confirmed with XXXX. No charges from Discover were attempted or made. recorded the conversation ( recorded ) XXXX - called back Discover. XXXX located in Delaware XXXX EST was unable to help. Said to call back tuesday.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Discover-accepted my payment in early XXXX but did not make the funds available after multiple calls they closed my account for a fraud claim I had submitted in XXXX that had already been resolved. They opened a new account and were supposed to transfer those funds over to the new account and send me the overage of the payment i made and electronically deposit it into my account. The funds were never transferred and discover never returned my payments and or credit my account. They have closed my account so they could keep the funds I submitted to them. Failure to honor, and credit the intended account has caused loss injury and harm. An offer of performance was tendered, in good faith as full satisfaction of the claim referenced herein, with the intent of extinguishing any alleged debt, duty, obligation, or liability. It is their duty to honor this instrument, to know, abide by, and operate under the law, 18 USC 8 applies. This Note, credit agreements, bills of exchange and checks are defined as legal tender, or money, by the statutes such as 12 USC 1813 ( 1 ) ( 1 ), UCC 1-201 ( 24 ), 3-104, 8-102 ( 9 ), 9-102 ( 9 ), ( 11 ), ( 12 ) b, ( 49 ), ( 64 ).
Company Response:
State: WA
Zip: 98208
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I am a victim of identity theft. In XX/XX/XXXX, when I checked my credit score from my financial institution 's site, I noticed that my score went down XXXX points from XXXX to low XXXX. I reviewed my credit reports and learned that my personal information was used to open various accounts with XXXX and Discover. Based on the information that XXXX sent me, the accounts were opened using my name, SSN, birthdate, an old address from XXXX and a made-up email using my name and birthyear. I did not open nor authorize these credit card accounts and I contacted said companies to have them : 1. Close said accounts immediately. 2. That XXXX and Discover absolve me of all charges on the accounts, and 3. That they take all appropriate steps to remove information about these accounts from my credit files. I filed a police report through the XXXX XXXX XXXX Department. I also filed an Identity Theft report through the Federal Trade Commission. I have contacted the companies where fraudulent accounts were created. I have also reported this to XXXX, XXXX and XXXX. I spoke to a Discover Card Fraud Department representative, " XXXX '', on XX/XX/XXXX. XXXX claimed that their initial investigation did not find that fraud occurred in this account because the phone number they said is associated with the account is a phone number linked to me based on public records. I have a different phone number than what they have on file. And I have been using this number since I started subscribing to XXXX from XX/XX/XXXX. I have received a letter from Discover dated XX/XX/XXXX which stated that I am responsible for the entire balance on the account and will begin receiving statements within 30 days. The representative gave me the name, address and phone number of the merchant involved in the fraudulent transaction. I contacted the XXXX XXXX XXXX Department and gave them this information to update the status of the fraudulent accounts. The Sheriffs Deputy who assisted me, XXXX XXXX, created a supplemental report and forwarded it to the XXXX XXXX Police Department for possible further investigation.
Company Response:
State: CA
Zip: 92596
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Discover failed to transfer funds to new account after they closed my previous account so they could keep the large payment without crediting my account. this is a violation of my rights as the consumer and they have committed fraud. Failure to honor, and credit the intended account has caused loss injury and harm. An offer of performance was tendered, in good faith as full satisfaction of the claim referenced herein, with the intent of extinguishing any alleged debt, duty, obligation, or liability. It is their duty to honor this instrument, to know, abide by, and operate under the law, 18 USC 8 applies. This Note, credit agreements, bills of exchange and checks are defined as legal tender, or money, by the statutes such as 12 USC 1813 ( 1 ) ( 1 ), UCC 1-201 ( 24 ), 3-104, 8-102 ( 9 ), 9-102 ( 9 ), ( 11 ), ( 12 ) b, ( 49 ), ( 64 ).
Company Response:
State: WA
Zip: 98208
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: i have contacted discover card every month since XX/XX/2023 asking them to stop going in to my account taking XXXX dollars without my authorization. My account doesnt have auto pay. discover i has refused to comply. they are violating my rights under FRCA. 15 usc 1861 n i - wilful non-compliance.
Company Response:
State: NY
Zip: 10026
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Accordance with the fair credit reporting act XXXX account number 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 an account without my written instructions. 15 USC 1666 : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Company Response:
State: NY
Zip: 10473
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2023, I called Discover about their 0 % APR for 15 months that included balance transfers for 0 % APR. I called specifically to inquire when payments would start as it was not stated on the offer mailed to me. I was told that payments would start in 15 months and I explained that was good and that would be the only reason that I would sign up for the offer. After starting the application I asked to call my bank to see if they had a similar offer which they didnt. I called Discover back and finished the application and was then told my payments would start the following month. I then called to speak to a supervisor who told me to write a complaint letter and mail it to a XXXX XXXX with no timeframe to be answered. On XX/XX/XXXX, the following day I called the corporate office to resolve the issue where they proceeded to give me the run around. I called back a few days later and a man named XXXX said he would begin an investigation. He told me the balance transfer hadnt gone through where I then asked him specifically if it would not go through since they were not honoring the no payments for 15 months which he verified that I was told was the offer when I signed up for the card. On XX/XX/2023, {$4200.00} was transferred from my XXXX account to Discover. When I called back about how this happened I was given the run around some more without the original issues being addressed. I have not received mail or statements in the mail from them but I recently opened an email stating that I have a payment due by XX/XX/2023, that will be sent to a creditor which will in turn negatively impact my very good credit score. I dont have an account number with them that I have information on. They didnt help with anything when I called again today on XX/XX/2023. Discover duped me into this card so I contacted the Federal Trade Commission today, XX/XX/2023, who had me contact the Consumer Financial Protection Bureau to file my complaint. I am looking into legal assistance, filing a complaint with the XXXX XXXX XXXX along with possibly contacting the FBI to file for white collar crime against Discover.
Company Response:
State: IN
Zip: 47802
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A