Date Received: 2023-06-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Regards,
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I'm I was getting charged for certain things that are not authorize without my knowledge. I'm getting charged for credit cards that are closed.
Company Response:
State: FL
Zip: 33702
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I provided a check to a general contractor made out directly to a subcontractor for services totaling {$10000.00}. The general contractor mailed this check to the subcontractor however it was not received. On XX/XX/23, before issuing a new check, I called the bank to have a stop put on the check. I was traveling and unsure of the exact check number but provided who the check was made out to, the amount, and the likely numbers that the check could have been. However, I requested that all checks in the amount of {$10000.00} be stopped. A few days later I checked my account and noticed that a check was withdrawn for {$10000.00} to a payee that I did not recognize on XX/XX/23 - after my stop order had been received. Examining the check image available through the website, I realized that the check had been washed or recreated with a new payee. The rest of the information was re-written as I had originally provided, but in someone else 's handwriting. Additionally, my signature had been forged. I immediately brought this to the attention of my bank. After several calls with their fraud team I was told on XX/XX/23 that the stop payment had been input incorrectly - only checks above a certain number were stopped despite my explicit instructions to stop all checks of a given amount. Had the stop order been input correctly by the bank the payment would have been stopped as I requested. The bank is refusing to provide restitution despite acknowledging directly that the error was on their behalf.
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
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: This is a complaint about Discover dispute process ( dispute number XXXX ) and how they determine disputes for charges that are not fulfilled. I used a credit cards to pay for the down payment for installation of a solar panel and battery back up system at my home. I did this mainly for the purpose that if there are issues with the merchant, credit cards provide a way to dispute charges. If things happen during the installation and I can not resolve these issues with the vendor this is another option based on the credit card agreement. In this case, XXXX XXXXXXXX XXXX collected the down payments from my credit cards, in this case both a Master Card and a Discover Card, for installation of solar panels and a battery back up. The Solar company XXXX XXXX XXXX never installed my solar system. The original transaction for Discover occurred XX/XX/XXXX in the amount of {$10000.00}. Originally the date of completion was set to end of year XXXXXXXX XXXX XXXX XXXXXXXX later stated that they could not get the work done before the ground froze in XXXX, so delayed the installation until the Spring of XXXX. In the spring of XXXX we began to hear rumors that the XXXX XXXXXXXX XXXX was not longer installing systems. We tried to contact them and they are no longer responding. At that time we reached out to our Credit Cards both Discover and my XXXX XXXXXXXX XXXX through their charge dispute system and provided documentation of charges and that nothing was ever installed. We could not dispute within the normal 90 days due to installation delays, but are well within the 2 year deadline that they allow for disputes and within 90 days of when delivery was expected. We provided the original invoices and additional communications from XXXX XXXXXXXX XXXX that explained why we did not dispute the charges until the Spring of XXXX, along with our attempts at contacting the merchant. I am not sure what additional information we could have provided, as we sent all of the information that was requested. My XXXX XXXX XXXX based on the overwhelming evidence that XXXX XXXXXXXX XXXX was not fulfilling their contracts refunded my charge as a fraudulent charge. Discover received similar documentation. Discover attempted to contact XXXX XXXXXXXX XXXX about the charges and of course since XXXX XXXX XXXX is either out of business or not responding to any attempts to be contacted did not respond. Discover responded to my claim that since they could not contact the merchant to obtain transaction records that they consider the charge to be valid. In their own words : " We've completed our investigation of this transaction. During our review, we considered all information and documentation we received from you and we attempted to obtain transaction records from the merchant. We regret that we are unable to validate the details of your claim. Accordingly, we consider the charge to be valid. The charge will remain on your account and the temporary credit we previously applied to your account will be reversed. '' Speaking with others in a similar situation it seems that most people are having the same experience with Discover. That while other Credit Card companies are finding these charges invalid based on the evidence that can reasonably be provided by the card member, Discover is not. Discover seems to be of the opinion that if someone buys something from you using a Discover card, and you as a merchant refuse to respond to Discover, they consider the charges to be valid. This seems to invalidate the card agreement and any real attempt by Discover to refund fraudulent charges.
Company Response:
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently XXXX and paid off all marital debt on a Discover Card and had my name removed. The card is in my ex-wifes name, XXXX XXXX XXXX, but the total amount on the card was put on by her after the card had been paid off and after the divorce. Im not an authorized user of the account and the amount on the card is solely her debt after divorce.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I noticed an account open that is fraudulent
Company Response:
State: CA
Zip: 90015
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX went after my old bank account without permission to collect a debt that was written off from Discover. Whether the debt is owed or not. You do not have the rights to go after my bank account. Im not really trying to hear anything about my bank being garnished, especially when I didnt receive anything in the mail about this. If this company really exists I shouldnt be obligated to pay more than half of the entire debt. Every time I call them to speak to someone Im left on hold
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
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: I am contacting you to request the deletion and removal of the accounts and associated information from my consumer report. The accounts and information mentioned below should not be included in my consumer report. This inclusion violates the FDCPA and FCRA, and it is imperative that these accounts and information be promptly deleted and removed from my consumer report to comply with the relevant laws. I kindly request an immediate removal of these accounts and information.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: in XXXX and XX/XX/XXXX, the following companies reported late payments on my credit reports XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company reported late payments on my account from XXXX - XX/XX/XXXX on my credit reports DISCOVER BANK - XXXX Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Section F states Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. ( II ) Covered period The term covered period means the period beginning on XXXX XXXX XXXX and ending on the later of ( aa ) 120 days after XXXX XXXX XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XXXX XXXX XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. ( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. ( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off. Therefore, these late payments should be removed from my credit report
Company Response:
State: MA
Zip: 01604
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have attempted numerous times to remove 3 collections from my credit report with no luck. The accounts are Discover, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 91767
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A