Date Received: 2023-06-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX 2023 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL Dear Discover Dispute Team : I recently received a copy of my ( XXXX, XXXX XXXX XXXX XXXX consumer report, and I noticed some late payments posted on my consumer report : Account # : XXXX XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( DISCOVER ) Making the report is not INCLUDED on my Consumer report! A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s DISCOVER BANK XXXX XXXX Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX, XXXX Enclosed : copy of ID and Utility Bill showing proof of address
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have audio recording of XXXX XXXX at XXXX CST from an agent of Discover.com stating i am not late, not delinquent on my credit card ending in XXXX and that no report of a 30 day or 60 day late will be reported to XXXX, XXXX or XXXX. However i was told that this will be reported by a differnet rep. The agent mentioned i am caught up with payments and i have nothing to worry about I had another agent said today was the cutoff for a payment XXXX before a report to credit bureaus by XXXX, only to have another rep tell me XXXX was the cutoff and i was 1 day late to that cutoff I was told i would get a call every 7 days once i am late on a payment but such calls never happened or took place. The reps have placed me on hold, transfered me and hung up on me all without my permission and refusing to listen to the audio of the other discover rep telling me i am on time and nothing late should ever be reported and/or will be ever reported. I mailed in the payment and it apprently was lost and never recieved, I did pay as soon as possible but only until i recieved a call did i check the account and found no payment applied. I am persuing the matter with USPS as well however the main issue here is the Discover rep gave me 100 % assurance i am caught up, on time and no late will ever be reported. Discover has not been willing to work with me whatsoever after an entire day or trying to reach them. They also said no managers are avialble and it will not be esclated. The agent said they can't legally do anything and handed out legal advice to me which is not something she is was in the position to do.
Company Response:
State: IL
Zip: 60189
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 U.S.C. 1681 section 602 A.I have the right to privacy.15 U.S.C . 1681 Section 604A section 2 : It also states, a consumer reporting agency, can not furnish an 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.
Company Response:
State: CA
Zip: 92374
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I closed this account around the XXXX of XXXX and they still have not closed the account and are still holding my security deposit and won't return it
Company Response:
State: OK
Zip: 73115
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On or about XX/XX/XXXX I have contacted Discover card phone line reporting unauthorized charges by XXXX XXXX and filed a formal dispute. Since XXXX Company scamming system is designed to frustrate and wear out un-suspecting consumers : the toll free # plays a prerecorded message referring a caller to their website, but no-one replies to claims. No direct contact was possible and Discover refused to share their contact information, but they reversed charges to my account. On or about XX/XX/XXXX I filed a new dispute which was elevated to Fraudulent Charges by the claim agent and due to disappointing performance by Discover I paid off the {$35.00} last statement and requested the closer of my account, which was done by Discover. But to my surprise Discover reopened the account and started issuing erroneous billing and sending false reports to credit bureaus damaging my excellent credit. Kindly please help me stopping this unfair and harmful practice of Discover Card
Company Response:
State: IL
Zip: 60608
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Im not complaining that Discover Card and XXXX XXXX XXXX did anything wrong. Yet. I am sending this form simply so I can document all of the following. To Discover Card and XXXX XXXX XXXX: Unfortunately, I can no longer feasibly pay you anything. This situation is indefinite. My accounts with you have already been in default with you for a while. The little bits of money Ive been sending you for the past couple of years were just my sign of good faith to keep the accounts semi-alive so you wouldnt lose your Statute of Limitations to collect it. Right now, I need to cling to any spare cash I have and I need to use it to pay any lawyer I can find to help me. Several of my other creditors has thrown laws, Federal regulations, consumer privacy, and courtroom decency to the curb. And OH BOY, do I need to fight them to save my own life. This debt that I owe to you IS my fault in legal terms, but it ISNT my fault in all realistic practical terms. What Im about to copy and paste will elaborate on that whole issue. All of my other past-due creditors have dropped out one by one from their various violations. I can barely pay you guys enough as it is, but Im not paying ANYTHING if youre going to break the law. As far as I can tell, Discover Card and XXXX XXXX XXXX are my last two good ones. This will be probably be the last contact you hear from me until either I win some massive legal lottery, or Im in the process of declaring bankruptcy. Im PRAYING youll understand and you wont turn into the ugly, scary, overwhelming monsters several of my other creditors have turned into. If you need to contact me for anything, PLEASE PLEASE PLEASE only put it in writing. You have my current home address and my personal XXXX address. Thank you. Below is the complaint I sent to XXXX XXXX through the PA Attorney General and the CFPB on Friday night, XXXX XXXX If nothing else, please just read it and consider it in all of your future legal decisions. XXXX REPORT STARTS HERE: XXXX XXXX is trying to sue me in a highly suspicious bully move. I have an account with them that I have been paying through their collector, XXXX XXXX XXXX. The account entered collections about two years ago and I've been trying to pay little tiny bits of it just to keep it semi-alive and avoid the situation where we've arrived. XXXX has made no attempts to contact me or demand more from me. The last contact I ever had with them was the original debt letter sometime around 2021. If nothing else, this is a bully move that will only result in a bankruptcy filing if it continues any further. They're trying to sue someone with nothing left to give them. I share a house in my mother's name, and she's close to XXXX years old living off social security. I live almost paycheck to paycheck with a little wiggle room of a few XXXX dollars each month, and that's going to shrink more as soon as student loans resume. The biggest piece of property in my name is my XXXX car, which is financed until the end of XXXX. The only other big thing I own is a 401(k) split between 10 funding sources with around XXXX saved up, but I have no intention on touching that for the next three decades. Part 1 of my complaint. The following things Im going to say are NOT something Im blaming XXXX of doing. Ill just try to provide some context to how things arrived at their current state. Dad died from XXXX XXXX in XXXX. Mom and dad have been divorced since I was about XXXX, and the family picture has been weird, to give you the very, very, simple version. Starting from the end of XXXX stepmom (and whoever else was encouraging her) was doing some VERY criminal things just to play games with me. Withholding info about dads life insurance in XXXX, and then saying Duhhh I forgot. Committing probate abuse / financial fraud / SOMETHING in early XXXX, where she staged a fake paperwork fiasco that delayed the annuities dad left me and my brother for an extra month. The month AFTER her underhanded annuity hijinks, someone with access to my then-current Discover card went on an online shopping spree for fancy ladys shoes and cosmetics gift cards. I know she had access to that account number because I gave it to her in an attempt to help her with the plane tickets to the funeral. She would also have access to my SSN from my dads records (Keep this detail in mind. Its going to come up later!) Dad wanted us to all be a happy family together. I was there at his bedside six weeks before he died when he said it to me. He was so happy, all things considered. Now NO ONE on his side related to me legally or biologically will say a PEEP to me! The Michigan probate attorney who originally handled the process in XXXX, XXXX XXXX XXXX, turned out to be a totally corrupt clown who shouldnt be trusted in any kind of legal practice. In XXXX, I was frantically sending out inquiries to every probate/family attorney I could find near dads district. XXXX replied to one of them by setting a phone conference where HE called ME. We talked for about half an hour while he tried to play pretend-therapist. But the problem with him is, he never sent out probate notifications my brother and I were legally required to see as interested parties written in dads will. When I reported this to Michigan Attorney Grievance Commission later in XXXX XXXX wrote a long-winded legalese response to the Commission where he completely lied and said he never called me. Afterwards, he sent me a final email where all he said was Have a nice life! Other lawyers from that district have told me the legal timeline on the original probate could still be open right now because the original forms were never properly served. At the end of the day, XXXX is partially or wholly responsible for setting in motion the Dont give an XXXX attitude my family has used in everything theyve done toward me ever since. His job was to explicitly PREVENT something like this, and then he practically laughed in my face about it! Heres where it gets overwhelmingly creepy: There is a local car dealership in XXXX XXXX PA, XXXX XXXX (now apparently XXXX XXXX) that was messing with my car XXXX insurance in late XXXX and early XXXX. If you ask them about it today, theyll tell you Oh but we were so prompt and courteous when we were handling XXXX XXXX paperwork. Well, I dont know what alternate dimension theyre living in these days, because I have the whole e-mail chain from their finance lady XXXX XXXX showing thats absolutely untrue. She was lying to me constantly. She was delaying things. When I finally got the Pennsylvania AG Consumer Protection involved mid-way through XXXX, she sent the paperwork in for the second time or the third time, and I magically had my missing insurance refund about a month later. I can almost guarantee you she NEVER sent in the paperwork to the insurance company until it became a legal complaint. She was lying, and dragging me along, and testing me the ENTIRE TIME. Why did she do that? Who put her up to it? Im NEVER allowed to know! I did eventually receive the small refund amount that was due to me, but XXXX XXXX was still committing some form of insurance fraud and consumer abuse for six months before that. Now they keep spamming me with physical ad mail that Ive told them repeatedly to stop, and they ignore me. And Ive opened new complaints through the AG telling them to stop the mail, and they ignore those too. Now the local XXXX XXXX XXXX are involved. When we got to around XXXX XXXX in the car insurance fiasco, XXXX started using COVID as an excuse in her e-mails explaining why everything was taking so long. Thats the moment my brain said Enough is enough and I got the AG involved. I have an uncle on moms side who died from XXXX at the end of that year. He was a retired fire fighter. Thats a GREAT association thats always going to be on my mind! Somewhere out there, in the realm of hypothetical lawsuits I could file if I ever truly knew what was going on, is an accumulated sum of dollar signs. And Im betting more than one person owes me some jail time. Whether the problem is dads will was never valid in the first place, or it was all the crime and fraud and the abusive gaslighting and the online trolling that happened in the years afterwards, Im being illegally blocked from accessing SOME amount of money. What is that amount? How many different people owe me something? I have no way of knowing, and I have no way of even trying to estimate. For the longest time in XXXX to XXXX (before EVERYONE on dads half of the family just completely turned me into a non-person), I would be at my wits end over this credit card / identity theft stuff, and the ONLY response Id sometimes get back is someone saying But the will was valid! When Im not even talking about THE WILL! What does the will have to do with this? If dad were still alive, and he saw how these fine folks were treating me, the will wouldnt even EXIST in the form it was executed. THATS how the will factors into this! Its waste of time arguing anything else about it! My family members have been doing everything in their power to financially rob me since at least XXXX. The debt situation were now arguing about didnt start snowballing until XXXX when I needed to take out bigger consolidation loans and traded in my XXXX XXXX for a cheaper XXXX XXXX (which lowered my monthly loan payments by about XXXX, AND triggered the XXXX XXXXnsurance fiasco at XXXX XXXX). Ive got a few new words to say to this car dealership as soon as I finish writing this report. Im currently in a middle of a police case for NEW mail they keep sending me even after I keep telling them to stop that, and I opened a NEW AG case against them on XXXX XXXX. Weve almost reached the deadline the AG gave them, and it doesnt sound like theyre responding to anyone. Part 2 of my complaint. The following thing Im going to say IS directly related to XXXX, and its where the suspicious part of my complaint comes into play. This is a recap of the past six months alone: In XXXX someone with access to my SSN fraudulently ATTEMPTED (and failed) to open a XXXX credit card at XXXX XXXX in my name. In XXXX someone fraudulently DID open a XXXX credit card at the same bank and mailed it to me. In XXXX someone tried to open an online deposit account at XXXX XXXX XXXX. In every case, it was someone who applied for the accounts and then had all the account welcoming info sent to my physical address or my XXXXXXXX account. Ive been working with the local XXXX XXXX XXXX for the past three months, but the leads are narrow, to say the least. I cant send them to arrest a phantom. Last month, ANOTHER debt collector (XXXX XXXX XXXX) violated the FDCPA by trying to call me when they were requested in writing to only contact me by mail or e-mail (so I always have a paper trail). The complaint I submitted to them through the CFPB and the Pennsylvania AG made their current collector instantly give up and spit the debt back to XXXX. Today XXXX), XXXX comes into the case with NO warning, NO attempt to contact me nicely, and slams a civil complaint straight through the District Justice office. When the identity theft started up again six months ago, all I could think was: Is this some crazy family member messing with me again? Because thats the logical evolution of the things theyve done to me in the past. Now that concern has turned into: Was that a bank somewhere that was trying to find out if Im still alive? Or verify my address? By casually committing identity fraud? And now one of them is trying to sue me? Thats a very disturbing and disgusting thought, if theres any truth in it. What I would like as a resolution: My main goal in submitting this complaint is just say XXXX, please chill out. Ideally, it would be a You leave me alone, you get your stuff off my credit reporting, and we just never do business again type of resolution. But just a simple Please chill out will work for right now. I would LOVE to wake up tomorrow with just a XXXX balance on everything, and if I still wind up in the same spot another seven years from now, at least Id know its totally my fault this time. But I realize a consumer complaint against XXXX alone is never going to accomplish that. XXXX XXXX: If youre reading all of this, and youre taking everything Im saying into consideration, and you still really want to do this legal thing on XXXX XXXX thats just going to lose some money for you and possibly XXXX me, then I guess my final words to you are: See ya there. I dont know what else to tell you. Other parties involved in this complaint: Im sending the same report against XXXX to the Pennsylvania AG and CFPB. I will be contacting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX next week to update him about the XXXX XXXX XXXX dealership problem. I will call XXXX XXXX XXXX District office to notify her of my intent to submit my defense on XXXX XXXX. AND I will begin a new frantic search for a debt collection defense attorney, since Im completely alone in the dark right now. Im really nervous everyone is going to just recommend I accept the default judgment and file straight to bankruptcy, which was NEVER my intention here.
Company Response:
State: PA
Zip: 159XX
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Payment history on discover account shows conflicting and confusing information. XXXX reports that the date of last payment was made on XXXX of XXXX, but yet it also shows that payments were made late six times in XXXX and then again two more times in XXXX. My question is, was this account ever verified? And if it was verified please send me copies of the documents used to verify the disputed account?
Company Response:
State: NY
Zip: 11729
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: So I paid off my XXXX XXXX XXXX credit card nd they promised wen I was making last payment tht they will send me a paper nd also to credit agency nd have it remove off my credit so it wnt affect it its still there I tried reaching them many times they didn't respond nd credit wnt fix it they said XXXX XXXX XXXX says it's current I paid off discover card nd same thing was told to me I made full payment of wat i owe as I lost my job due to covid nd had injury nd health issue but as soon I got money I paid off they promised to remove the bad credit late payment off my credit nd same they didnt rhey didnt remove it it's still showing nd affecting my credit I opened a account with XXXX XXXX XXXX nd I couldn't even make it wrk it didn't let me do nothing I never got the credit card I told them nd they said they will fix it nd send me another card i requested for account to be close becauz I couldn't use it nd it was just affecting my credit nd they closed my account nd than suddenly closed my checking account too nd now they lying nd saying I didn't comply which is a lie as i requested I'm also seeing if says I got a credit loan for sumthing which i didnt idk wats going on I feel like scam is going on please help me All XXXX of these companies lied to me to make me pay it off all nd than did this nd hurted my credit I can't get another credit card or house or car
Company Response:
State: CA
Zip: 95841
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent a letter certified mail to Discover on XX/XX/2023 to dispute inaccurate reporting on my consumer report. Discover received my letter on XX/XX/2023 ( green receipt attached below ). I demand Discover thoroughly to do a prompt investigation to to correct this inaccurate report since this negative matter is hurting my credit worthiness that is a violation of the FCRA. I attached a copy of the letter sent via certified mail and supporting document of the inaccurate reporting on my consumer reports. Discover shall take immediate action to correct this matter.
Company Response:
State: IL
Zip: 60607
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: Case # : XXXX, Merchant : XXXX XXXX at XXXX XXXX XXXX XXXX TX. When I realized I'd been scammed by an online con artist, I notified Discover ; they issued me a temporary credit and started a dispute. Dispute lasted 6 months, with funds moving back and forth from me to the scammer. Discover said they used arbitration who favored the merchant scammer. He provided no new evidence from the last time Discover reversed the funds back to me, yet they gave him my money insisting they were bound to the con artist 's terms of service of no refunds. I provided tomes of evidence showing the scammer didn't do what I payed for and showing the horrible mistakes he made as he sent me a fake cobbled together document with his worthless opinion of a forged handwriting situation, he charged me a retainer of {$1900.00} when the fee should have been {$400.00} or {$990.00} according to his fee schedule at the time of the transaction. He didn't perform according to retainer but gave me a verbal and written opinion. He refused to give me an invoice or answer my questions once I realized the ripoff. He has virtual offices across the country, hides behind many phone numbers, emails, web pages, is just a master of illusions acting a role with fake props. He has since changed his website and doesn't publish his fees. He lied about me to Discover in his responses to them. Yet, Discover gave him my money that I did not agree to ; I did not agree or sign on to be ripped off. They essentially gave the rip off artist free reign to rip me off of {$1900.00}. I even sent them Rip Off report where many people have reported the creep for years. They just kept saying they were " bound '' by his terms. It would depend on who I spoke with at Discover ; two people said Discover had a fund they could give me back my money ; even if they couldn't get the money from the " merchant. '' When I told them they said no, that wasn't true, it always depended on who i spoke with. They told me to complain to the attorney general and resolve it outside of Discover, they couldn't do anything for me. It's terrible when a credit card company empowers and sides with a crooked " merchant, '' an enables con games, lies, and thuggery to exploit their cardholders. When they did me like that, I closed my account with Discover. They had no regard for my rights as a consumer. There is something terribly wrong when a credit card does this sort of thing. When I asked them for an explanation as to why they would believe that thug and give him my money in light of all the evidence of the ripoff, they would just say each case is different. One lady did say thought that they believed me and that's why they spent the {$500.00} to take it to arbitration. Yet, in the end it didn't matter as Discover claimed bondage to the merchant and let him get away with ripping me off. Discover didn't care that they lost a customer. I want my {$1900.00} back!
Company Response:
State: TX
Zip: 75075
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A