Date Received: 2023-06-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Discover card Credit Card harassed me and my extended family about a debt by calling and referring my personal information to a debt collection agency. This agency called my family and harassed them with letters and phone calls as well. These actions endangered my welfare and well being of my family. Due to Law 15 USC 16G - All negative information, accounts, names and inaccurate information is to be removed from my credit report immediately.
Company Response:
State: GA
Zip: 30542
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: 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: In XXXX I purchased 2 lamps I chose for XXXX 3days later the shop owner called and said he did not have what I pick but he would pick for me bigger and more beautiful lamps his words not mine I said no just reverse my charge he said no as soon as I got back from my 10 day trip I called Discover they said until the charge came in they would take care of it. They did reverse but 2weeks later they reversed there reversal and said he proved he shipped them The wrong lamps did show up but they were not what I order so I called Discover to let them they know the wrong ones had arrived Discover told me to send them back with proof of delivery I did. They reversed the charges again but a week later they reversed them a gain and I had to remain all the paper work and a copy of his text stating he switch the lamps to some they he did have I not only mailed the paperwork but also went to XXXX XXXX and faxed them at the end of XXXX they said all was good and not to worry I closed on my new condo XX/XX/XXXX so I did not keep my papers now Discover charged my account almost 6months later and said he had a no return policy this is not a return he switched product on me and admitted it but Discover does not care. I have talked to many people at discover and on the phone they agree with me but say there manager made the decision to believe the shop owner on no returned so now I have paid the charge have no lamps because Discover told me to mail back the wrong lamps I have nothing for my XXXX dollars but the shop owner has the money and I have paid Discover so I do not ruin my credit. I was so mad I told them to canceled my card and they told me my husband was the card holder not me I said I did not know that my name was on the card My husband of XXXX years passed away last XX/XX/. I tried to pay on line but had to call and pay in person with my routing number now this afternoon I found out Discover open an account in my name with a balance of XXXX please help stop this this is not fair if you what more information please call they admitted they have all the paperwork
Company Response:
State: FL
Zip: 32955
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Discover Finance Discover Credit Card company is pulling a soft inquiry every 2 or 3 days and it shows up on my credit report one after another after another. Literally 2 to 3 times a week. I am not interested in their financial services and have asked them to stop on numerous occasions. I feel as it is a harassment against me and my credit report. I realize it is not the same as a hard credit inquiry but they are doing it in excess.
Company Response:
State: FL
Zip: 32137
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: 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: 2023-06-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX i XXXX XXXX, XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX XXXX IA XXXX Subject : Dispute of Inaccurate Payment History and Account Closure per Fair Credit Reporting Act Dear Consumer Financial Protection Bureau XXXX I am writing to dispute the false payment history and inaccurate account closure information reported by Discover Bank on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). Discover Bank has failed to rectify these inaccuracies despite my efforts to resolve the matter directly with them. Creditor Name : Discover Bank Account Number : Ending in XXXX Date of Account Closure : XX/XX/2023 Date of First Delinquency : XX/XX/2023 XXXX. False Payment History : Discover Bank has reported me as being 90 Days Past Due on XX/XX/2023, which is entirely inaccurate. I have evidence proving my consistent and timely payments, with no instances of being 90 days past due. Discover Bank has not corrected this false information on my credit report. XXXX. Account Closure Inaccuracy : The account closure date reported on my credit file is incorrect. Discover Bank closed my account prior to the reported date, yet this discrepancy persists on my credit report. Despite my attempts to resolve this matter directly with Discover Bank, they have not taken the necessary steps to rectify these inaccuracies. Therefore, I kindly request your intervention and assistance in resolving this dispute in accordance with the FCRA. I respectfully request that you initiate an investigation into these inaccuracies and take appropriate action to ensure the correct and accurate information is reflected on my credit report. Furthermore, I kindly request your guidance on how to proceed and any additional steps I should take to address this issue effectively. Thank you for your attention to this matter, and I look forward to your prompt assistance in resolving this dispute. Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 93535
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: After closing my account, I noticed that I had a {$210.00} credit on the balance. The bank stopped sending statements and did not automatically issue a check. I called in today and the representitive said that is not their policy and that you had to request it. This seems like theft expecially when this business arrangement revolves around paying interest on the use of money for a period of time. They also did not credit my account for the rewards money that I earned. They did this because they said the account was closed. My opinion was the rewards were earned and should be paid accordenly.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I've tried several times to have Discover prove that this debt is mine which is required by the FCRA. Discover has yet to provide proof.
Company Response:
State: MD
Zip: 21239
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: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I owe money on my credit card, however the bank blocked me from my online access, which is the only way I have to pay off my debt. So I obviously cant make payments if they have locked me out of my account.
Company Response:
State: NH
Zip: 03051
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I noticed on my credit report that there are accounts that I do not recognize. The accounts are completely fraudulent and has never belonged to me at all. The accounts are as listed ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX. I contacted the companies to get an understanding of where the accounts come from and each company stated that I was not found in their database.
Company Response:
State: NJ
Zip: 080XX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of Identity Theft. I have been trying to resolve this matter for XXXX with the original creditors as well with the Credit Bureaus XXXX I have contacted several times, by email, phone and mail providing them with legal documents as well. These XXXX accounts are fraudulent XXXX, Discover and XXXX XXXX. I have not gotten any resolution in this matter at all. PLEASE HELP.
Company Response:
State: IL
Zip: 60623
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A