Date Received: 2023-05-24
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 am writing to formally request full debt validation for the account associated with my Discover card, in accordance with Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ) and Section 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I am exercising my rights under these statutes to obtain complete and accurate information regarding the alleged debt. Account Details : Creditor Name : Discover Card Account Number : ending XXXX I kindly request that Discover Card Services provide the following information for full debt validation : 1 Verification of the account 's original agreement, including the contract or application that establishes my liability for the debt. 2 Detailed accounting records showing the full breakdown of the debt, including the principal balance, interest, fees, and any other charges. 3 Copies of all statements, notices, or other written communications sent to me regarding this account from its inception to the present. 4 Proof of licensing and compliance with relevant state and federal regulations allowing Discover Card Services to collect debts. 5 Verification of the account 's ownership and chain of title, demonstrating that Discover Card Services has the legal right to collect the alleged debt. I remind Discover Card Services of its legal obligations under Section 609 ( a ) ( 1 ) ( A ) of the FCRA, which mandates that consumer reporting agencies must disclose complete and accurate information upon request. Furthermore, under Section 1692g of the FDCPA, debt collectors must provide validation of debts upon the consumer 's request. Please note that while this request does not imply an acknowledgment or acceptance of the debt 's validity, I expect Discover Card Services to provide the requested information within 30 days of receiving this letter. Failure to comply with these statutory requirements may result in a violation of the FCRA and the FDCPA, and I will take appropriate legal action to protect my rights. Kindly communicate with me in writing and send the requested information to the address mentioned above. I urge you to handle this matter with utmost efficiency and transparency to facilitate a swift resolution. Thank you for your prompt attention to this request. I look forward to receiving the requested debt validation within the specified timeframe. Sincerely, XXXX
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: This is a Double charges. The Merchant had both of my card in their system. I paid it once with my Master cards ending XXXX on XX/XX/2022. Please Review the Receipt uploaded. The Merchant Charged {$500.00} once in My XXXX XXXX Master card ending XXXX on XX/XX/2022. The XXXX time was Not Authorizes that charge to Discover card ending XXXX on XXXX, ( Double-charge ) I had Paid all my Credit Cards on time, and is not right for customer to paid it twice. The 2nd time charges is Unauthorize to Discover Bank. Please Review. I only respsonsible for paying 1 time deductible only. they had both of my card on their system Discover cards, and XXXX XXXX. i have to call in to have new card re-issue.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : MD Zip:XXXX Email Address : XXXX 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! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Company Response:
State: MD
Zip: 20721
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : DisputedAccount-Notice to Furnisher HardInquiries Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop report in this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions. I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They call me 4-6 times a day, every single day. Today, XX/XX/XXXX I have record of 4 and thats because they are still going to try and contacting me later. Yesterday, XX/XX/XXXX they called me 6 times and the day before, XX/XX/XXXX 6 times again. On going issue. I tried to resolve the issue about them closing my accounts for no reason- they claim they needed to verify my identity yet Ive had this account since XXXX and nothing of mine ever changed. Now Im stuck with debt that I cant pay all at once because they closed my accounts and now they keep harassing me every single day.
Company Response:
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: This is a complaint regarding to Discover credit card ( XXXX XXXX : XXXX ). In XX/XX/2023, I got an offer that spending {$250.00} on digital wallets, I would receive {$25.00} cash back. I called Discover telephone number on the back of my credit card XXXX. A gentleman answered my phone and he confirmed with me I did have that offer under my account. I asked him whether I can use XXXX to compete that task. He answered YES. XX/XX/2023, I called XXXX again. The phone connected with XXXX XXXX, who told me that she is a specialist based in XXXX Office. She said I should receive the {$25.00} cash back bonus on XXXX Statement on XX/XX/2023 because the {$25.00} cash back bonus applies to my account after two billing cycles. However, I did not receive the {$25.00} cash back on my XXXX Statement. Therefore, XX/XX/2023 I called XXXX again. The phone connected with XXXX XXXX She said that because there are some returns so the amount I spent is less than {$250.00} ; therefore, I am not eligible for the {$25.00} cash back. I explained to her that your Discover credit card does not take back cash back when there are returns, but now the fact that you told me you do take back cash back is too late. If I knew you took back the returns, I would have spent more to make up the amount. Please see attached XX/XX/2023 cash back summary, which shows very clearly that the XXXX returns does NOT take back from cash back. Now because Discover does not want to pay, they said they do, which not match with the attached summary. I asked XXXX XXXX to escalate the case. After XXXX days, XXXX called me, treated me very badly. I asked her what is her last name. I just want to use it as a reference. She even didnt want to provide it to me. Everyone in Discover I talked before was able to provide last name, why is she so nervous? It does not make any sense. I want Discover to give the {$25.00} cash back because I have spent the time to call Discover, and then I did all the work already. If there are any information misinformed by Discover representatives, I should not be the one who takes the responsibility.
Company Response:
State: NJ
Zip: 08820
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Around about XX/XX/2023 I applied for a credit line increase of XXXX from Discovery. Discovery mailed a letter stating not able to approve my request due to : Serious Delinquency - dont have any delinquency accounts
Company Response:
State: TX
Zip: 77904
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: On XXXX XXXX at XXXX I woke up to my account being revoked with no explanation or response from Discover Bank . I contacted customer support about this issue and was transferred to several different departments who were confused on how to handle this issue and kept being transferred from department to department. Finally I was sent to the right place where I was told that my full account was revoked over me not submitting a notoriety. I was unaware that I had to complete this since my account had been working fine. I was never reminded about this or notified that this was still a requirement on my account. I was then told to resubmit an application but immediately was not approved. I am dissatisfied and disappointed with my experience with Discover because I have paid all my bills on time and chose to start my first student account with them. Now I have to dispute this on my credit score due to miscommunication.
Company Response:
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a Discover card and fell behind on the monthly payments this year due to income decrease. The late payments and past due amounts were posted on my credit report and my credit score was affected. They then posted that the account had been closed. I began receiving nonstop calls to pay. In XXXX on the XXXX XXXX, I received a phone call from them and they offered me a payment plan that would be low interest and {$83.00} for 3 months and it would wipe out most of my balance. They told me to make the first payment of {$83.00} on the XXXX and that I didnt owe another payment until XX/XX/XXXX and thats when the direct deposit payments would be withdrawn from my account. I explained I wasnt sure I would be using that account to make payments every month and they said I can always call in and make the payment. I agreed and gave them access to my XXXX account and made the first payment as scheduled on XX/XX/XXXX. I had explained to them I was trying to repair my credit and I had already paid 1 card off. My payment plan or my payment never has showed up on my credit report. Instead, the day I made the payment, they flagged my account as 150 days late. I called them and they told me to be patient and it will show up. So a month goes by and its still showing the same thing. Then XX/XX/XXXX I get an email from my XXXX account stating my account is overdrawn and when I looked it up, Discover took {$83.00} that I didnt have in my account after the agreement stated that payments wouldnt start until XX/XX/XXXX. I called Discover and spoke to an agent by the name of XXXX, her immediate statement was that my account was in the process to be charged off and that I should contact an Attorney unless I make the past due payment or make payment arrangements. I asked her what is she talking about? I already did all of that and made my first payment in XXXX and that regular payments were not due yet and why did they withdraw money I surely didnt have and ruin my checking account!? I told her they have defaulted on their end of the deal by not updating my credit report, the only part they updated was {$83.00} payments. The rest is flagged 150 days past due and no payments made since XXXX of XXXX. Then they are stating my account is still getting charged off despite my efforts.
Company Response:
State: CA
Zip: 93611
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Improper use of your report
Subissue: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: Recurring solicitation of Discover credit card account after numerous attempts to halt this practice.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A