Date Received: 2023-06-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 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. Under 15 USC 1666 ( b ) a credit may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose
Company Response:
State: CA
Zip: 91352
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name : XXXX XXXX & Account Number : XXXX ), has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Company Response:
State: CA
Zip: 93662
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX I noticed an unauthorized activity on my Discover credit card I reported it- someone in Florida paid my card for {$1300.00} and withdrew $ XXXX Discover closed that account and is in the process of getting a new account and card within 6-9 days. I am on XXXX as I am a 1st responder XXXX. The problem is on XX/XX/23 Discover made an unauthorized withdrawal from my personal account for {$1300.00}. Causing me hardship as I live pay check to paycheck as I am XXXX. I brought it to the attention of Discover and my XXXX account. How is Discover able to withdraw that {$1300.00} from my account without my authorization. Causing me hardship. XXXX has been fantastic in helping to resolve this, I need to file a complaint against Discover, because they withdrew the funds that I was not liable for and without my authorization.
Company Response:
State: NJ
Zip: 08527
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: So i recently checked my credit report for experian and noticed I have 9 inquiries but i dont recognize at least XXXX of them. Starting with mortgage reporters from XXXX on XX/XX/XXXX and XXXX XXXX XXXXXXXX on XX/XX/XXXX. I then have gotten false credit card inquiries from Discover ( XX/XX/XXXX ) and XXXX XXXX ( XXXX ). I have called both banks trying to resolve these issues before but they dont care to help.
Company Response:
State: MD
Zip: 21703
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I acquired a new 0 % int on purchases and 3 % balance transfer with Discover card an on Thu XX/XX/XXXX, I iniciated a transfer to higher int XXXX XXXX XXXX XXXX XXXX XXXX XXXX APR 0.00 % EXPIRES XX/XX/XXXX Merchant category is Balance Transfers for the amount of {$7000.00} This transfer didn't go through because I incorrectly missed one number on my XXXX digit XXXX card. I called Discover ( XXXX ) and spoke with XXXX, and I asked for the payment to be cancelled and reissued but was told the payment was in process and can not be cancelled, to wait a few days and call back again to have the payment cancelled. I told XXXX I needed pay the other card in time and I wanted to avoid a late payment if the transfer to the other account was not made on time. XXXX ( or XXXX XXXX said what you could do is use the {$5500.00} you have left and issue another transfer. I said yes that sounds like a good idea, but I don't want to pay another 3 % for another transfer fee. And she said that would not be an issue you can go ahead and issue the second transfer and when the first transfer issue is resolved and the money goes back to your account, we waive the transfer fee. I accepted and she did the second transfer for me in the amount of {$5500.00}. Wed XX/XX/XXXX Merchant name XXXX XXXX XXXX XXXX XXXX APR 0.00 % EXPIRES XX/XX/XXXX {$5500.00}. The transfer wad done and I filed a dispute with Discover to get the first transfer cancelled. XXXX asked me to call XXXX and explained what happened which I did immediately. I waited a few days and I saw that the first transfer was posted to my XXXX account. I spoke with XXXX again and asked for the funds to be returned to Discover but was told that their system would not allow it and the only thing they could do was to credit the checking account I have on file with them and to issue the amount payment back to Discover. As the only option given I accepted and called Discover back and explained that I would be returning the payment amount. They said that would be ok but they could not return the transfer fee amount. I explained the conversation I had with their representative days back about the transfer fee which I was assured that it would be refunded but they are now refusing to credit the transfer fee back in spite of the fact that they were the ones who advised me on what to do which I did exactly as the told me and now is falling in deft ears. I asked to speak with a superior which I did yesterday XX/XX/XXXX And after having a long conversation with XXXX XXXX Discover still refused to issue refund weather I return the full amount back or not which I intend to do. They plainly lied to me for not living up to their verbal agreement we had which they have documented and reordered and admit to the conversation we had but are using lame excuses to justify to what I perceive to be predatory lending practices. First their systems should recognized the XXXX cards are XXXX digits and reject the XXXX digit entry and secondly and more important they should have not lie to me saying that my transfer fee would be fully refunded and now look the other way ignoring the fact. So much for trustworthiness.
Company Response:
State: NY
Zip: 11729
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to file a formal complaint regarding an incident of identity theft and the lack of appropriate action taken by Discover AND the credit bureaus in response to my claims. I believe my personal information has been compromised, leading to the fraudulent opening of credit card accounts in my name without my knowledge or consent. After this situation I contacted the usps to forward all mail to that initial address given to me in my first correspondence with the company at " XXXX XXXX '' with my name on it to my address because I believe these people could have used all of my information to obtain more credit or other fraudulent use. Identity Theft Incident : Upon reviewing my credit history, I discovered multiple credit card accounts that were opened in my name. One of these accounts is with Discover. When I contacted Discover to report the fraudulent account, they informed me that the email address associated with the account is the same as mine. However, upon thorough examination of my email records, I found no correspondence from Discover regarding the opening of this account. Instead, I discovered emails indicating that someone had attempted to use my email address to apply for a credit card using a different name. Discover 's Response : Despite providing Discover with evidence of the fraudulent activity and explaining the situation, their response has been inadequate. They have failed to conduct a comprehensive investigation into the matter and have shown a lack of willingness to acknowledge my claims of identity theft. Instead of taking appropriate action, Discover simply updated their records with my actual address, which does not address the core issue of identity theft. Impact on My Finances and Security : The fraudulent Discover account, along with other unauthorized credit card accounts opened in my name, has had a significant negative impact on my finances and creditworthiness. Additionally, I am deeply concerned about the potential misuse of my personal information by the individuals responsible for this identity theft. I have taken several precautions, such as placing a block on my taxes and contacting the Social Security Office, but I am still uncertain about the extent of the damage and the potential risks I may face. Request for Action : I am seeking your assistance in resolving this matter and holding Discover accountable for their negligence. I request that the Consumer Financial Protection Bureau conducts a thorough investigation into this case of identity theft and takes appropriate action to rectify the situation. This includes holding Discover accountable for their failure to investigate the fraudulent account properly and for not taking sufficient measures to protect my personal information. Furthermore, I kindly request that you keep me updated on the progress of the investigation and any actions taken in response to my complaint. I am willing to provide any additional information or evidence that may assist in your investigation. Enclosed with this complaint, please find supporting documents, including copies of the emails indicating the unauthorized credit card applications and any other relevant information that may aid in your investigation. Today I took the liberty of filing a police report about this fraud attempting a thorough investigation with this address originally on the account, after speaking with a consumer law attorney and identifying my rights and what possibly may have happened to cause this which she informed me is very common and should have been addressed at the first correspondence with this company. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue and provide me with a resolution.
Company Response:
State: CA
Zip: 94589
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Ive submitted 3 letters requesting proof that the charges are mine. I did not purchase anything! I do not own a home and have never need to purchase anything regarding the purchases.
Company Response:
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: on XX/XX/XXXX and XX/XX/2023 $ XXXXand {$4000.00} were fraudulently charged to my discover account a music store in XXXX Georgia Discover notified me and closed that account and opened a new card they had removed the fraudulent charges several days later they put the fraudulent charges back on my new card throught XXXX they removed the charges and added them again XX/XX/XXXX a different girl removed the charges my balance was correct she issued me a new card sent it XXXX XXXX my balace was {$3300.00} the next week was fine around the XXXX my balace was {$9000.00} i called and a girl read a prepared statement saying that i was responcible for the {$5000.00} on my card the card only has a {$4000.00} limit she stuck to her guns apparently a supervisor thinks i am in on the fraud I have never committed a crime their other reason they gave me is that they had already credited that {$5000.00} so the balance was my responcility i paid my card on time and never violated Discover at any time this is ridiculous
Company Response:
State: WA
Zip: 98223
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: So my credit limit was decreased, so I called the company to figure out why the limit was decreased and they told me that it was because of delinquency on in XXXX account so I asked them what do they have to do with Discover because my payments were on time, and my utilization was low they told me that I need to take care of my XXXX account that was from XXXX and they gave me the limit when the XXXX account was already on my report so I couldnt understand why they decrease the limit because of the XXXX account and then also, they told me that I had two accounts in collections that only have been there for no longer than two weeks, so I told them they by law theyre not allowed to use any reporting thats not older than 45 days old and that I was taking care of the collections accounts so I couldnt understand why I was decreased and then I was told I can be decreased at any time and theres nothing I can do about it so then I asked what if I make the payments on the collections accounts right now and cleared them out because theyre under dispute they told me that it would not do anything to change my increase that I would need to pay off all my debt in order for an increase so I dont understand why I was decreased and I want to know what are they going to do to solve the problem for me?
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have never had an account with discover bank yet their reporting on my report for a third time after ive disputed this account XXXX other times before. I am a victim of identity theft and my personal information has been used to fraudulently open this account without my authorization and i demand that it be removed and deleted permanently from my credit profile immediately
Company Response:
State: NY
Zip: 10038
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A