Date Received: 2023-06-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2018, I received " Take Nothing Judgement '' in which the Plaintiff, Discover Bank take nothing against Defendants XXXX XXXX. Cause No. XXXX Discover and the 3 credit reporting agencies refuse to change this from a Charge Off to removing from my credit report or to list it as a Take Nothing Judgement.
Company Response:
State: TX
Zip: 76126
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am a victim of identity left for the past 1 year and a half, There have been numerous fraud charges and credit card accounts opened under my name without my permission. To make matters worse I have lost my wallet at a local gas station around XXXX of this year and everything in my wallet were gone. All of my IDs and my credit cards have been compromised, including my phone. Recently I have noticed there are numerous charges under many credit cards that I own and I've reported to my credit card companies promptly. Most have already issued a refund or provisional credit but the credit card company I'm having an issue with is XXXX. They have declined my request to pursue refunds against a company that I have not done business with. There is an on-going identify theft alert in my name with FTC. Ive also put a year fraud alert with credit companies for this entire year. Please re-open an investigation for this fraud case on my behalf. Furthermore, I have also enclosed a police report for the illegitimate charges as well circumstances that have caused the identify theft in the first place. I contacted the merchant directly and they have informed me some details. - IP address they have provided does not match my actual location or my IP address. - My legal/real name is XXXX XXXX XXXX NOT XXXX XXXX or any other names they have claimed the card was used under. - The email address those purchases were made under were not under XXXX and thus I have no access to them or know anything about them. - The pattern of those charges were inconsistent comparing to my purchase history with XXXX, I would and never have purchases anything in this amount within a short period of time. - Lastly, according to the merchant rules and guidelines competitors are NOT able to vote for themselves, so those charge can not have been under my account anyway and advise me to contact my bank to dispute it as fraud. - I have moved away from XXXX, WV XXXX since XX/XX/2023. I have returned to visit friends and family in XXXX but currently I reside in SC. I have not had the chance to update my mailing address because I've been dealing with all the fraud charges that occurred on all of my credit cards.
Company Response:
State: SC
Zip: 29526
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Theyre holding me accountable for the charges that were fraud even though Im providing all the documentation such as police report and all other complaints I have made in regards to this issue and my identity theft issue.
Company Response:
State: NY
Zip: 11418
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act Discover XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Company Response:
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Discover credit card is fraudulent account which needs to get removed from credit report
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I hired XXXX XXXX 's Attorney at XXXX on XX/XX/XXXX to handle a guardianship case attorney at law onXX/XX/XXXX using my discover card first charge {$1700.00}. this went through fine on XX/XX/XXXX I charge XXXX with my discover card after I did not get what I paid for from the Attorney XXXX XXXX I disputed her payment of {$1500.00} with discover this amount was placed back to my card as a temp. after my attorney agreed to file the necessary documents I called discover and had them to stop the dispute, I was charged {$1500.00} on my card again.. the Attorney office did not get the {$11000.00} back to there account I called several times getting different answers once with the attorney on the line she dropped the case and placed a lien on my case for {$1500.00} because Discover told us 3 to 5 days she would get the funds bank the 10 days she would get the funds back and the last call to discover we was told that the money was hung up in the merchant department of discover, today isXX/XX/XXXX and several calls later no attorney no {$1500.00} I would like to know where the {$1500.00} is and why the attorney never got it. I have to hire a different attorney now do to the missing {$1500.00}
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I changed my legal name due to the need for concordance between my name and my gender as a XXXXXXXX woman. I updated all of my identity documents and informed Discover Card of the change onXX/XX/XXXX by phone at which time Discover Card required no verification. A few weeks thereafter I received a request by XXXX on behalf of Discover for me to sign a pre-filled 4506-C form " for the purposes of identity verification '' and was threatened with account closure if I refused. I signed the form and then noted that Discover Card had incorrectly pre-filled the form. I called their Customer Service and was redirected to their security department, explained the situation, and received another pre-filled form which was also incorrect, which I signed. This occurred several times. I eventually received an email that their review had been concluded successfully. Over two months later onXX/XX/XXXX I received another request from XXXX on behalf of Discover for a 4506-C. I contacted Discover and was told that the message I received about the conclusion of the account review was not accurate, and was again threatened with account closure if I did not comply. I signed the ( again incorrectly pre-filled ) form. During this entire debacle I did my best to comply with Discover Card 's instructions and demands and offered them alternate means of identity verification such as my Driver 's License, Social Security information, the court order for my name change, and other documents, which they refused, stating that only my IRS information was acceptable while Discover 's security department made it impossible for them to actually access the information they requested. On XX/XX/ I discovered that my accounts had been closed due to " inability to verify information '' when Discover literally made it impossible for me to verify the information to their satisfaction. I have been a customer of Discover Card for over four years, have never had a late payment, and have never given them any reason to believe that I was a risk. I had two credit card accounts with them, one of which they increased the balance of during the period they were reviewing my account, which obviously indicates I was an excellent and responsible customer. It is not clear whether they intend to honor the 0 % interest agreement they made with me when I opened the second account and for which reason I transferred balances. This seems like a clear case of XXXX XXXX, since the information requested could have been verified in innumerable ways, as could my income and any other information that Discover Card might legitimately need to complete an account review. It also feels like harassment, as Discover sent me a notice that they had completed the review and then demanded further review, as though they would continue with this process until they reached the conclusion of closing my accounts.
Company Response:
State: WV
Zip: 26501
Submitted Via: Web
Date Sent: 2023-06-23
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 credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The account was my ex husband 's who passed away and I am not responsible for his debt. A letter from my lawyer was sent stating that but Discover Bank did not respond to me or my lawyer. On XXXX XXXX from Discover called and was going to send this to fraud but no results were communicated. Discover reopened the account on their own without my consent and I sent information that it was not my account and I did not open any credit card accounts. They continue to ruin my credit report and add interest and penalties. This is harassment, defamation of character and fraud on the part of Discover bank.
Company Response:
State: NV
Zip: 89183
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Discover card was informed for, months by me that charges were on my card from companies of which I did not authorize to charge my card., instead of fixing the situation they allowed it to escalate into a situation wherein multiple unauthorized charges from XXXX, and other entities were billed to my card. They claimed that because the bill continued to be paid after these charges were made although I notified discover multiple times for months that something was wrong that they will not reimburse me as the promised.. The charges are fraud, not made made nor authorized by me.
Company Response:
State: TN
Zip: 38118
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing to address a crucial matter regarding the credit limit reporting on my consumer credit report by Discover Bank. It has come to my attention that the reported credit limits differ across the credit bureaus. XXXX reports a credit limit of {$0.00}, while XXXX and XXXX report a credit limit of {$2000.00}. This discrepancy is causing significant damage to my credit report, as the reporting of a XXXX credit limit with a {$430.00} balance is misleading and detrimental to my creditworthiness. Therefore, I demand the immediate correction of this inaccurate credit limit reporting. The current reporting of an incorrect credit limit on my consumer credit report is resulting in negative implications for my creditworthiness and causing me harm. It is crucial that this inaccurate information is promptly updated to reflect the correct credit limit, as this discrepancy is causing significant damage to my credit report and potential denials on credit applications. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I kindly request that you promptly investigate this matter and take immediate action to correct the credit limit reporting on my consumer credit report. The reporting should accurately reflect the correct credit limit associated with my account.
Company Response:
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A