Date Received: 2023-05-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: From XX/XX/XXXX to XX/XX/XXXX, they made use of my credit, trying to acquire multiple credit cards, personal loans, vehicle applications, where my credit was affected and they only managed to generate a XXXX XXXX XXXX credit card for a total of {$400.00} leaving me a collection balance of {$190.00}. I have not had an account with those banks, nor have I made any payment to that account from any personal In that same year my phone number was cloned and they used my personal information to try to get some kind of financial benefit, which caused my credit to be considerably affected by inquires
Company Response:
State: FL
Zip: 33180
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Or XX/XX/XXXX received from XXXX XXXX XXXX XXXX special civil part a letter ( A-1 & A-2 ) stating I'm being sued by Discover in the amount of {$9600.00}. I called XXXX XXXX XXXX and spoke to the court clerk. I informed I've never owned a credit card with Discover my whole life and I don't know what to expect what do I do? He suggested to call the collection attorneys representing discover. ( XXXX XXXX and XXXX ) After several attempts within a couple weeks on XX/XX/XXXX I was successful with the help of my neighbor to speak to the collection agency at the attorneys office I spoke to XXXXThis is when I learned that someone had opened an account in my name in the year XXXX. I explained I have never had an account with Discover and never authorized anyone else to do so! I have never received any information from Discover and any way in regards to have an account statements until I received the letter from XXXX courts. I also explained I have never lived in any other address in my whole XXXX years of age.XXXX had informed that she would pass the information off to the attorneys and conduct investigation. I was to call back within one week for update. I also called Discover to report and give the same statement.. I did not want to but reluctantly, had to give my Ss #.! XX/XX/XXXX, I went to the XXXXXXXX XXXX police station, I met XXXX XXXX XXXX XXXX took my complaint. " I have been a victim of identity theft and showed him letter from the courts of me being sued by Discover. A police report was filed. incident number XXXX. ( XXXX ) XX/XX/XXXX the one week phone call to collection attorney 's office. Was not able to get XXXX, had to speak with XXXX. Had to explain the whole thing all over again. I also explained that I filed a police report with a XXXX police station and gave XXXX the incident report number. The conversation was concluded with XXXX reply " it still under investigation ''. XX/XX/XXXX, ( C ) I received notification from Discover customer protection services. Acknowledgment of my initial call of dispute & informing, they were reporting information to the credit agencies accordingly. To conduct their investigation.additionally, I was instructed to fill out a questionnaire. It involved giving personal info.I did not provide any answers or personal info. I did send a hand written statement. ( D ) Again explaining I have never had account with them never authorized. I have lived at this addressed my whole entire life and never received any notification from Discover ever until I received the initial letter from the courts. Ask that I'd be removed from their billing and contact the credit agencies to let them know that I've been a victim of identity theft.I included the police report. ( B-1 ) XXXX XXXX ( E ) I received from Discover customer protection services. Contents of letter as follows they research the dispute of liability and their records reflect that account was open on XXXX and they found account balance to be valid. Statements will be sent separately. XX/XX/XXXX ( F ) I received statements from Discover. dates of XX/XX/XXXX to XX/XX/XXXX. XX/XX/XXXX ( G ) I received statements from the collection attorneys office representing Discover. XX/XX/XXXX ( XXXX & XXXX ) I received a letter for from Collection attorney 's office representing discover. Contents reflect pursuant to New Jersey Court Stating I'm being notified of an entry of judgment and above referenced matter or XX/XX/XXXX amount of {$9800.00}. Included ( information subpoena ) Informing pursuant to a New Jersey Court rule XXXX ( b ) ( 1 ) 2 page written questions ( ( H-1 & H-4 ) instructed of having to be answered & returned within 14 days of my receipt of this notice. If I don't answer questions. Further informed of opposing party may ask the court to conduct a hearing in order to determine if I should be held in contempt. I did not answer the questionnaire due to the content. All questions being asked of me was providing abundant personal information, including- all material and financial assets, past and current financial history. XX/XX/XXXX I returned unanswered questions ( H-3 & H-4 ) via USPS certified with the XXXXeceipt of delivered letters to ; 1-DISCOVER ( customer protection services ) 2-Collection attorneys ( XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX clerk ( XXXX XXXX XXXX ) Accompanied , a letter ( I ) Containing the efforts, of my phoned & written communications to Discover & Collection Attorneys, of never having an account or authorizing one. Having lived at this address my whole entire life and never received any notification until the notice of being sued for the balance of an account I've never opened. I further more stated, '' I would respectfully stand before a judge to convey my reasons for doing so, as I have outlined above. Thank you XXXX XXXX XXXX.
Company Response:
State: NJ
Zip: 08096
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: 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 need clarification as to why you are reporting inaccurate information on my credit report. Please review the following : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX A collection is by default late and past due. Delete this account due to inaccurate reporting. After you have finished with my request, send me a copy of my updated credit report reflecting these changes.
Company Response:
State: NY
Zip: 10468
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: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have reached out to Discover multiple times for MONTHS now letting them know that this account was opened via identity theft and without my consent but Discover mails me back a thick packet of transactions and billing statements which does not solve the problem of the account being open and still on my credit with a balance over {$3000.00}. This has horribly impacted my life for almost a year now because I am unable to get anything that asks for my social security number because this has not been resolved due to negligence on Discover banks part. I would also like to add that they have broken MANY laws by avoiding the problem. Hopefully, this will now be resolved so that I can move on with my life! Thank you.
Company Response:
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: To : CFPB From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Sir/Madam : Preface : I am a Victim of Fraud and Identity Theft. Since XX/XX/XXXX, all three credit bureaus placed credit freeze and fraud alarm on my credit report, CRA 's has also been notified by the agencies. The credit freeze/fraud alert remains present. I would like to lodge at dispute and complaint against my Bank 's unlawful, illegal, unethical, unfair practices. The Bank has been violating my consumer protection rights under CFPB and FDIC regulations for Fraud and Identity Theft Victims. The Bank neither handled or followed up CFPB guidelines for handling and protecting consumers against unauthorized and fraudulent charges. For over two years, the Bank has been collecting payments, charging interest and late fees on all Fraudulent Disputed Billing amounts. Hense, the bank also has been charging my Debt based on Identity Theft. The Bank never notified me about actions and/or results of their investigations on disputed charges. Beginning on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, the bank opened four Different credit card accounts without my consent, and using my identity, I did not use Discover card during those months. Beginning XX/XX/XXXX, the cards that were opened are : XXXX XXXX and XXXX were both used at the same time. XXXX XXXX and XXXX were both used at the same time XXXX XXXX and XXXX were both running at the same time XXXX and XXXX were both used at the same Finally, some of my disputed bills have been reported delinquent when my account has been in good standing. I need your help to resolve these issues. PS I will be sending this dispute to the FTC, FDIC, Attorney General, XXXX XXXXXXXX XXXX etc. Sincerely. XXXX XXXX
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with non-monetary relief
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: I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately DISCOVER BANK XX/XX/2013 Balance : {$3000.00}
Company Response:
State: CO
Zip: 80126
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
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: On XX/XX/XXXX my discover card was charged XXXX dollars by XXXX. Estimated delivery was for XXXX. I ordered 2 scooters, 2 mirrors,2 cell phone holders and 2 bags. In XXXX I initiated a dispute because I could not reach the seller about the delay. I received 2 cellphone holders valued at XXXX dollars. I received nothing else. Was contacted in XXXX by discover saying that they closed the case and considered it a valid charge. I finally got a response from seller stating that I am no longer on the delivery list because I disputed the charge and to contact my bank if I am confused about the refund. I sent this information to discover and it been two weeks and have not got a response. I used this card to protect myself in case of a bad purchase. I did not receive my items and discover has not resolved my problem. XXXX is denying responsibility and the seller had admitted I am off the list for delivery. I am requesting that discover reverse the charge. All documents supporting this have been sent to discover.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Problem with a company's investigation into an existing issue
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I have XXXX hard inquiries from discover financial I would like to remove from my credit report
Company Response:
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: XX/XX/XXXX. Seized from my bank account all funds- {$1000.00} XX/XX/XXXX. XXXX also for fees XX/XX/XXXX. Seized. XXXX.. The only income for me is : social security Also I live in the State of Florida I am a Homestead and I am age XXXX. That is all I have. I have a mortgage that must be paid. I have XXXX husband and adult XXXX children living with me. We are a hardship case that was hit by the tornado ( IAN ) XXXX. Trying to fix a roof still. I need those funds to do that!!!
Company Response:
State: FL
Zip: 33484
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
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: My mother has an credit card account with Discover Card and it's reporting on my credit report with all three reporting agencies. It's not bad credit but showing up on my account as maxed out and hurting my score. I have never authorized nor signed any paperwork with or without a wet signature approving. I have never made a charge on this account nor had my own card. I have reported this three times and keeps coming back as reporting correctly. My mother finally contacted Discover Card and they closed the account for me. I am trying to build my credit to buy a house and start my own life. I have not received any letters from none of the reporting agencies with any information, only when I go to XXXX it showed the results. I need help, please.
Company Response:
State: NC
Zip: 28120
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A