Date Received: 2023-05-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: LISTED COMPANIES IN REPORT # XXXX, XXXX AND XXXX NEED TO BE APPRAISED OF THIS SITUATION OF IDENTITY THEFT.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 usc 1681 section 602 states 1 have rights to privacy. 15 usc 1681 section 604 section2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15ucs 1666B : A creditor may not treat a payment on my credit card account under an open end consumer credit plan as late for and purpose.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have disputed fraudulent transactions on the XXXX account and disputed the inaccurate derogatory reporting to the credit bureaus for years, but none have done anything to correct the problem. Even now, XXXX months after receiving an XXXX XXXX XXXX from Discover Bank in XX/XX/2022, they are still reporting monthly derogatory and harassing statements and data to credit reports and inaccurate account date with an outstanding balance and severe delinquencies. In their letter to me they stated they will continue to report the inaccurate information to credit Bureaus until I ask them to stop. This is unacceptable purposefully harmful behavior and harassment that they intend to continue until the XXXX year data cutoff. Their harassment and behavior can only be to continue to inflict more harm and more damage to my personal and financial security. Ive requested they stop and correct the record and issue a statement to me and forward the details of their harassing behavior and steps they are taking to resolve the emotional, financial, punitive and pain and suffering they have caused and continue to cause me so can restore the damage they have inflicted.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have disputed fraudulent transactions on the XXXX account and disputed the inaccurate derogatory reporting to the credit bureaus for years, but none have done anything to correct the problem. Even now, 6 months after receiving an IRS Form -1099-C from Discover Bank in XX/XX/2022, they are still reporting monthly derogatory and harassing statements and data to credit reports and inaccurate account date with an outstanding balance and severe delinquencies. In their letter to me they stated they will continue to report the inaccurate information to credit Bureaus until I ask them to stop. This is unacceptable purposefully harmful behavior and harassment that they intend to continue until the 10 year data cutoff. Their harassment and behavior can only be to continue to inflict more harm and more damage to my personal and financial security. Ive requested they stop and correct the record and issue a statement to me and forward the details of their harassing behavior and steps they are taking to resolve the emotional, financial, punitive and pain and suffering they have caused and continue to cause me so can restore the damage they have inflicted.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have disputed fraudulent transactions on the Discover account and disputed the inaccurate derogatory reporting to the credit bureaus for years, but none have done anything to correct the problem. Even now, 6 months after receiving an IRS Form -1099-C from Discover Bank in XX/XX/2022, they are still reporting monthly derogatory and harassing statements and data to credit reports and inaccurate account date with an outstanding balance and severe delinquencies. In their letter to me they stated they will continue to report the inaccurate information to credit Bureaus until I ask them to stop. This is unacceptable purposefully harmful behavior and harassment that they intend to continue until the 10 year data cutoff. Their harassment and behavior can only be to continue to inflict more harm and more damage to my personal and financial security. Ive requested they stop and correct the record and issue a statement to me and forward the details of their harassing behavior and steps they are taking to resolve the emotional, financial, punitive and pain and suffering they have caused and continue to cause me so can restore the damage they have inflicted.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Discover Bank dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I have disputed fraudulent transactions on the Discover account and disputed the inaccurate derogatory reporting to the credit bureaus for years, but none have done anything to correct the problem. Even now, 6 months after receiving an IRS Form -1099-C from Discover Bank in XX/XX/2022, they are still reporting monthly derogatory and harassing statements and data to credit reports and inaccurate account date with an outstanding balance and severe delinquencies. In their letter to me they stated they will continue to report the inaccurate information to credit Bureaus until I ask them to stop. This is unacceptable purposefully harmful behavior and harassment that they intend to continue until the 10 year data cutoff. Their harassment and behavior can only be to continue to inflict more harm and more damage to my personal and financial security. Ive requested they stop and correct the record and issue a statement to me and forward the details of their harassing behavior and steps they are taking to resolve the emotional, financial, punitive and pain and suffering they have caused and continue to cause me so can restore the damage they have inflicted. To this day they continue to report false derogatory information to credit reporting agencies. In the past 6 months theyve opened false accounts under my name and reported false information about them to credit reporting agencies no less than 4 times. Opening them with tags like over credit limit with current account opening/ creation dates. Ive included photos of just this very specific information. All this is done just to prevent consumers from obtaining credit and to keep their credit scores low. This is illegal and XXXX allows the practice.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Greetings, I am on long term XXXX receiving {$13000.00} monthly income thats non-taxable ; XXXX credit scores and have sufficient equity in my home. I requested an equity loan from them, asked that they pay creditors directly. Was told that I wasnt qualified the second time because my owning a business that took a financial loss that took my XXXX over 49 %. My accountant provided Discover Home Loan with information that Im no longer affiliated with the business thats now profitable. Additionally I provided time stamped communication between myself and the other person thats the owner where I bequeathed my ownership interest thats time stamped. When I last spoke to Discover XX/XX/23 I was told if I was able to provide signed proof from my account of the changes that Id be qualified as Im well under 32 % DTI. I have jumped through numerous hoops, havent received return calls/communications and am independently guided differently each time. I dont believe theyre taking the time to read, are not well versed in individuals receiving-disability thats at the amount that I have, nor are they interested in advocacy for applicants. This has been a waste of my time to this point. I know Im capable of repayment. Documentation has been provided directly from attorney dispersing trust proceeds to me as well as accountant. If this had no chance of approval I wouldnt have gone through this process twice, nor would I have solicited time of law firm nor accounting firm. I have spoken to countless employees that truly follow through. Its to the place of being quite discriminatory in nature. Ive provided exhaustive information and its not even being reviewed. The illustrative information isnt being documented nor conveyed. I havent received follow up. An acceptable solution at this juncture is my equity loan approval at the lowest rate. If there were any problems I should have had this information conveyed long before earlier this week because I called. If I dont receive follow up I am reporting this issue to housing, lending authorities as well as ADA advocacy organizations. This is complete inappropriate treatment, handling and anything but professional. Thank you in advance for your timely attention to this matter. I need to speak with the executive committee.
Company Response:
State: CA
Zip: 91001
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Have multiples account reported to my credit report incorrectly, they are harassing me. I would like to be remove from my credit. the credit report have than post it, for example XXXX have the majority. I do have a police report with identity theft on those credit card, as proof. I need you help on this matter please. XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$13.00}, XXXX written off. {$6.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$13000.00} Balance updated XX/XX/XXXX Highest balance {$13000.00} Terms On record until XX/XX/XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/XXXX. XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$2000.00} Balance updated XX/XX/XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$13.00}, XXXX written off. {$13.00}, XXXX past due as of XX/XX/XXXX. Status updated XXXX XXXX Balance {$13000.00} Balance updated XX/XX/XXXX Highest balance {$13000.00} Terms - On record until XX/XX/XXXX DISCOVER BANK Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$8.00}, XXXX written off. {$8.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$8200.00} Balance updated XX/XX/XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$4200.00} Balance updated XX/XX/XXXX Credit limit {$5000.00} XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$860.00} written off. {$860.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$860.00} Balance updated XX/XX/XXXX Recent payment Monthly payment Credit limit {$700.00} Highest balance {$860.00} On record until XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$830.00} written off. {$830.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$830.00} Balance updated XX/XX/XXXX Recent payment Monthly payment Credit limit {$750.00} Highest balance {$830.00} Terms -On record until XX/XX/XXXX XXXX
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX account # XXXX, has violated my right. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 usc 1681 section 604 a section2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 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.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: A Fraudulent electronic purchase via mobile phone for 2 items was made on XXXX XXXX, at XXXX XXXX by using my Discover card. The purchase was made in TX, XXXX for {$1800.00} Initially the shipping label was created with my ( Credit owner ) address, but the purchaser contacted carrier ( XXXX ) and has changed the delivery location to the XXXX pick-up point in XXXX XXXX XXXX NY Then Unknown person picked up 2 packages on XXXX XXXX at XXXX location 2 items were returned to XXXX XXXX at XXXX location on XXXX XXXX and exchanged on the same date for XXXX Products XXXX {$1800.00} Summary : Discover card was credited by " XXXX XXXX '' with the difference b/w the purchased and exchanged items for amount of {$1.00} and now is charging me, as a card holder, for the rest of amount = {$1800.00} Actions that were taken by me : XXXX. Dispute charges were initiated with Discover card 3 times. Case is closed XXXX. Discover card was cancelled XXXX. Police report was filed for XXXX XXXX / ID theft XXXX. Opened 3 cases with XXXX XXXX- did not get approval for refund
Company Response:
State: NY
Zip: 10312
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A