Date Received: 2023-05-31
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I was using my discover card and all of a said they decided to restrict my usage and zeroed my card out and closed my account. I had my card stolen and they did nothing to help me out. They want me to pay the balance and I can't use the card. They also lied to me about the interest rate and some other things on the card. I believe that I should not have to pay them as they falsely advertised certain deals on the card. I would like to not have to pay them with all of the intersts that is owed. I just disputed fraudulant charges on my account and discoer did not help me at all.
Company Response:
State: OH
Zip: 434XX
Submitted Via: Web
Date Sent: 2023-05-31
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: Account status incorrect
Consumer Complaint: I was devastated to see a late payment show up. Surely this must be a mistake
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with the fair credit reporting act XXXX XXXX account number ending in XXXX, has violated my rights. 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2023-05-31
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: Discover XXXX XXXX XXXX, XXXX XXXX XXXX, Utah, XXXX You are in Direct Violation of The Fair Credit Reporting Act Discover it Credit Card # XXXX, has violated several of my rights. 15 U.S.C 1681 section 802. A. Clearty states that I have the right to privacy. U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting can not furnish an account without my written instructions U.S.C 16608 : A creditor may not treat a payment on a credit card account open-end consumer credit plan as late for any purpose. Ramove these late payment and update this account immediately as you are in died violation of several laws under The Fair Credit Reporting Act
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair Credit Reporting Act, Discover has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: VA
Zip: 22314
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Victim of intimidation, extortion, and even XXXX. Begging for Discover to do what is right, and stop trying to nickel and dime me whenever I do not have a job, a vehicle to drive, and survived a horrible, horrible accident. I have rights and have been taken advantage of by Discover and other financial institutions. Realize they contacted me even after they were " closed ''. It proves I am correct and if more people do not pay attention or demand more accountability they too will be targeted, victimized, and even XXXX 'd etc. ( if not already have been ). Discover has every customers social security # etc. this information is traded and disseminated at a level that many consumers are not aware about. Why do you think your name is in all caps whenever you receive something via mail? You are treated like a corporation. The customer is supposed to be protected and have rights. This is a lot of money and power concentrated with access to large volumes of information on banking customers. No one is spared, this is done to maximize control, power, and leverage combined with A.I. capablities the general public and government themselves are still learning about and trying to understand the full lengths of. I have requested Federal Witness Protection, and could not even buy water, Wednesday XX/XX/ -that is a basic essential to survive! That is the level of power and influence that Discover etc. has. I have been in Fear For My Life and requested Federal Witness Protection days ago, and am a minority. I had an unmarked, black and white police car with no overhead lights above it ( looked like a crown vic ) that followed me down a boulevard that your tax dollars pay for customers as well as college police outside where I live Wednesday XXXX XXXX XXXX This can not be exaggerated. I have been targeted, surveillanced, watched, and so on for days! I was contacted by all my banking institutions etc. within 24 hours Wednesday, XXXX XXXX XXXX Thursday, XXXX XXXX XXXX I pray that every customer that knows about CFPB will see this and that my words will be heard, my life spared, and that the people who have done this to me will be exposed, and prosecuted to the fullest extent of the law. I have lived in fear, been withheld of my basic diginity and rights and damages suffered incredible damage as a result, and have requested Federal Witness Protection multiple times. XXXX XXXX XXXX
Company Response:
State: TX
Zip: 770XX
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: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: In an attempt to monitor and manage my money better I contacted discover bank about opening an account. Thats when they informed me that I could open a savings account about a debit account. However, they said that their debit system is down right then, but the lady told me that I waited a couple weeks that I can get a debit account to go with my savings account to be able to move my funds! I waited patiently and then I was told that they were doing the debit cards again so I contacted the company XXXX different times to which they denied my applications for debit card. They said it was in part due to my credit score, and the fact that I had activity theft as my ex-husband has destroyed me financially. He has withdrawn money about all the accounts so that is impossible for me to get a normal bank account. I am Non Emergency situation and having spent XXXX nights in the streets with no food no shelter no clothes and the company refuses to assist me in anyway. They misled me into an account and then when they claim that theyre not gon na make anyone pay the price for identity theft thats exactly what theyre doing. I should be able to have an account to move and manage my money, this is causing him at large amount of grief and I want you to know in life something needs to be done if Im not good enough to have a debit card to go with my savings account why would I want someone to hold my money and refuse to ever give it to me especially in a situation like Im in now. I spent the last XXXX XXXX years living in XXXX is trying to hide from the likes of my XXXX Im now here for a court date in XX/XX/XXXX and XXXX in the streets with no access to my funds. This is criminal..
Company Response:
State: NM
Zip: 88030
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: 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: A fraudulent transaction was reported to Discover card on XX/XX/2022. In an email from Discover on XX/XX/2022, at XXXX AM EST : " Based on our recent conversation about unrecognized activity on your account ending in XXXX, we've opened a fraud dispute to review your case. No further action is required of you as it relates to the review at this time. We will contact you if we need any other information during our review. '' On XX/XX/2022, a second transaction was made on the same account for an amount of {$1800.00}. XXXX purchases were acquired using the stored account created on the same date, XX/XX/2022, at XXXX pm EST. The transaction was approved by Discover on XX/XX/2022. The cardholder of the card was not notified about the second transaction. Furthermore, the merchant ( " XXXX XXXX '' ) was not requested to cancel the delivery, and XXXX packages were picked up by an unknown person on XX/XX/XXXX, at a site location different from the shipping address. Discover is now requesting payment for the unauthorized transaction from the cardholder.
Company Response:
State: NY
Zip: 10312
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Company Response:
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: In accordance with the fair credit reporting Everything has to be 100 % accurate on the credit report Dates reported are not accurate. Also, does not match. This grounds for removal. They also violating my rights under. 15 US C 1681 section 602 A. I have the right to privacy 15 U.S.C 1641 Section 604 A Section 2 : also states a consumer reporting agency in The can not furnish an account without my written instructions.
Company Response:
State: CA
Zip: 93552
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A