Date Received: 2023-06-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Discover card is running payment through twice and then charging a {$41.00} fee. So I dont think thats fair at all so they run it once and then if it fails then they running through again and then they still charge a fee even if the payment will clear. I feel this is outrageous so it should be either one of the other either dont charged a fee or dont run the payment through twice. I called customer service and of course they just make excuses and say its policy. XXXX XXXX charges a fee of only {$29.00} so the fees too high and they shouldnt be charging the fee twice if the payment successfully.
Company Response:
State: AZ
Zip: 85282
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: ear furnisher of information to credit agencies, I am writing to request that you delete the negative accounts and remarks about me that you have furnished to the consumer reporting agencies, XXXX and XXXX. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a, it is important that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for my right to privacy. As the consumer, I have the right to ensure that my private information is not shared, as supported by 15 USC 6801 which states that each financial institution has an obligation to protect the security and confidentiality of customers ' nonpublic personal information. As a furnisher of information to credit agencies, you are a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that any consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not given my consent to XXXX, XXXX, or your institution to furnish this information, in any form - verbal, non-verbal, written, implied or otherwise. Therefore, any and all consent to XXXX, XXXX, and your institution is revoked. Additionally, 15 USC 6802 ( b ) ( c ) prohibits a financial institution from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. However, your institution never informed me of my right to exercise my nondisclosure option. Your institution is also violating the law by reporting adverse information about me without my permission. 15 USC 1681C ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes that antedate the report by more than seven years. Furthermore, 15 U.S. Code 1681s2 ( A ) ( 1 ) A states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Your institution must ensure the accuracy of any information you report about me. Lastly, according to 12 CFR 1016.7, I have the right to opt out of your reporting at any time. Therefore, I am exercising my right to opt out of your reporting. Please confirm in writing that you have deleted the negative accounts and remarks about me from both XXXX and XXXX 's records. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 33936
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, creditors XXXX XXXX XXXX, Discover, XXXX, XXXX XXXX and XXXX XXXX have violated my rights to privacy. Under 15 USC C 1681 Section 602 states I have a right to privacy. 15 USC 1681 604 A section 2 also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor can not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Company Response:
State: CO
Zip: 80922
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
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: good afternoon ladies and gentle, on XX/XX/2023 I have XXXX XXXX off for my wife 's XXXX leases from ransack XXXX XXXX, first the selling price was incorrect then XXXX XXXX off was not implied to lower the monthly payments I reached out to selling dear for XXXX month along I informed XXXX XXXX from day one for the mistake to be fixed and nothing was fixed, so I disputed the amount {$2600.00} from discover card where I paid the drive off from, first they gave me credit and took it back cause they received document from selling dealer, then they re issue me credit for the the secound time based on the document received from the dealer being not valid, and today I called because I submitted a new document supports my case I was told by discover the dealer as the merchant got back the credit, I ask discover what happened wy her wander was same no diferent basically they reversed their decision based on faults and fraudulent contract even though I provide discover contract from same selling dealer much lower, I was talking to XXXX from discover and I told her I need to speak to your Mngr, like you know same all stories XXXX on the phone and they will never call back, at that time I told XXXX from discover I will file complaints true all Dpt and her reaction was laughing, makes me feel its ok to bully consumer then auto scammers dealer ships.
Company Response:
State: CA
Zip: 91324
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
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: I ordered some shoes from a small store, and it seems the price was to good to be true, cause i received a box, but it was empty, and had nothing in it, so i should be refunded for my order XX/XX/XXXX Description XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX # XXXX Current dispute status is Dispute Date XX/XX/XXXX Status Updates
Company Response:
State: CA
Zip: 91307
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: After making alternative payment plans with discover loans they reported the student loan accounts as delinquent to the credit card companies for XXXX and XXXX XXXX causing the XXXX XXXX to drop by XXXX point in XX/XX/XXXX. This has caused XXXX to have have increased rates with a mortgage loan application. Also there have been unfair practices when looking to collect payment, such as repeated phone calls and multiple payment letters. Also the interest has compounded tremendously since the beginning of the loan which was originally a XXXXXXXX XXXX loan. When I called in about the increasing payment on XX/XX/XXXX at about XXXX. I was told that there are variable rates on each loan, but on my statements I started with a restructured rate of XXXX during XXXX
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Please see attached for proof of discrimination, fraudulent activity relating to discrimination based on zip code/poverty level and proof of intent to defraud acted by Discover. Discover closed my account prior to the year contract for no reason in an attempt to charge additional fees and interest rates that were never outlined in any contract. Discover perform actions that caused me severe harm.
Company Response:
State: FL
Zip: 33613
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Whatever is tendered as payment, whether property, money or an INSTRUMENT, if ACCEPTED, the deb is discharged. " Also see ; UCC 3-311, 3-603 AND 3-601 Affiant is awre and knows that all complaints of MAIL FRAUD can be handled through the XXXX, including butnot limited to any ATTEMPTS TO DEFRAUD emanating for your office. Affiant is aware and knows that in the event of any opposition to this " AFFIDAVIT OF LEGAL TENDER OF PAYMENT ACKNOWLEDGEMENT AND DISCHARGE, the opposition must be done b rebutting each and every point, point by point and making said rebuttal public record, signed in the rebutting party 's full Christian/ Family name, under penalty of Law including but not limited to perjury.
Company Response:
State: TX
Zip: 77022
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: CFPB Complaint I have been dealing with identity theft for quite some time. Government agencies are helping me and I also have a case with XXXX XXXX XXXX. Case # XXXX. This was due to a Data Breach by XXXX XXXX XXXX XXXX. This has been Extensive Identity theft, which requires several hours daily. You have fraudulent Credit Inquiries on my Credit Report. I contacted you Company several months ago, and it was to be removed. As of this date, your fraudulent inquiries remain on my Credit Report. I have filed disputes, and done everything in a proper manner to have these removed. You are in violation of FCRA, and Im asking once again to have your fraudulent inquiries immediately removed from my Credit Report. And please send me verification that this is complete. I do not have the time to involve other government agencies. Please immediately remove all inquiries on my Credit Report from your Company. I have never applied for Credit from your Company nor authorized anyone to do so, Email : XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX Georgia XXXX l
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: After reviewing my credit profile on XX/XX/ I identified a discrepancy with account listed under Discover and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XX/XX/ and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the accounts continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Company Response:
State: PA
Zip: 19121
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A