Date Received: 2023-05-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am submitting documents detailing the correspondence and inaccuracies that have yet to be corrected by Discover.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Including documents from Discover Financial and correspondence detailing abuses.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My Discover Credit Card has a credit limit of {$3500.00} for XXXX XXXX years. Perfect credit history here. I am not happy about it but I never bothered to apply for increasing the credit limit. However, this company is crazy now. They locked my card yesterday without prior notice, which caused some trouble and embarrassment. Today I was told to authorize them ( in collaboration with XXXX. LOL ) to request my tax forms from IRS ( XXXX ) otherwise they would close my account in XXXX days. Obviously they have their very special way to do business, but at this point any thoughts of me to use this card is a self-humiliation.
Company Response:
State: WA
Zip: 98052
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
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: Dear, XXXX XXXX XXXX XXXX XXXX veteran, I tried to purchase XXXX XXXX on XX/XX/XXXX, I was asked to pay {$99.00} using my discover card, after paying the charge waited waited to nothing happened I call XXXX but the number was for technical support so I opened dispute with Discover card I after XXXX months issuing credits and removing It in XXXX statement I called them on XX/XX/XXXX I was told the XXXX download the software on XX/XX/XXXX but my transaction happens on XX/XX/XXXX I DID NOT RECEIVE NOTHING from XXXX till today I asked Discover ask XXXX to provide what they sent and where I dont have XXXX XXXX and I was told by Discover the dispute resolved in my favorite but they charged me again {$99.00} in XXXX statement and they never disclosed the outcome I had XXXX XXXX on XXXX XXXX to check my statement today to find the finding.
Company Response:
State: CA
Zip: 92503
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The credit reporting system is dependent upon my consumer report displaying fair and accurate information. XXXX - DISCOVERBANK Account XXXX : XXXX add a derogatory mark on my credit report per XXXX. This information is completely inaccurate, also is a violation and unfair to me because I was never notified when the inaccurate information was furnished and I was never notified when during the agencies initial investigation that they were going to report the information. This grave error by XXXX has undermined my confidence in the companys procedures. This company is a powerless elaborate mechanisms and this mishap that this company has caused has ruined my reputation and adversely affected my credit worthiness. This company assumed this role and was not given expressed permission by me the consumer, or a competent court of jurisdiction, so not only did this company fail in the initial investigation of this information. They also assumed this role, and assumed this inaccurate information was valid. Which is a violation of my consumer rights. according to the FCRA DISCOVERBANK has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Company Response:
State: AZ
Zip: 85282
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: In XXXX of last year 2022 we opened up an account with Discover account # XXXX it money marketing account. We have done all the verification that they tell us to do everything was verified. But when ever we try to link an account with it they freeze the Discover account. Every time we unfreeze it, it work just fine only when we try to link a Internal account they lock the account.we keep call up every time to ask why but never given a proper answer.it keep going back and forth into we Decided to close the account. At 1st everyone is closer account keep telling us different reasons but finally we get this conclusion. For some reason they decided to close the account. That around XXXX so I think it over with just have to wait for them to send me my check. But in XXXX I have a email from Discover telling me the balance on my Discover account it was at XXXX and some so I got confuse So I call up and ask but they don't know what I was talking about. So fine I'll just keep an extra account but something never change every time I try to link my account they freeze it So again back to square one. So that keep going on for like around a month or XXXX Then finally They say that they don't wan na do business with you no more so they gon na close my account and send me the checkout. That was around XX/XX/XXXX or XXXX. Like I said the amount was XXXX something like that. On the XXXX of XXXX in the morning it was still that amount but by night the amount wasn't there anymore so I thought they really did close the account for sure this time. So XXXX weeks past but I want to know when the check will arrive and to what address cause I have XXXX addresses on file. When I call up give them the account number The account was never fine it's like the account of wait XXXX I told him that probably close the account but XXXX of the agents told me no matter you close the account the account will still be there they will show up in on the screen. They ask me am I sure that I have an account with them not somewhere else. Now what really going on I try every thing but the customer service say they can't do anything if they can't pull up the account. So with all that happened and me try to get to the bottom of it, it like Take XXXX send me the email from discovery telling me the balance on my account it XXXX XXXX. It funny my money gose from {$16000.00} to {$20.00}. After that I haven't call them because I know it not going nowhere.but thankfully I ran in to your.
Company Response:
State: TX
Zip: 77072
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: None of these accounts belong to me XXXXXXXX XXXX XXXXXXXX XXXX is not my address and has never been my address all of these credit cards are closed the inquiries on my credit report are not mines never applied for those merchants
Company Response:
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to formally request a thorough investigation into the discrepancies and verification presented in the recent communication regarding an account allegedly opened in my name. I have serious concerns about the accuracy and legitimacy of the information provided, and I believe it is necessary to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and North Carolina credit laws. Upon reviewing the statement received from Discover, I have identified several discrepancies regarding the addresses and phone numbers associated with the account. I would like to clarify that I have no knowledge of the mentioned addresses, nor have I ever resided at or received mail at these locations. Furthermore, the phone numbers listed as verification are unfamiliar to me, and I have no record of ownership or usage of these numbers. In light of the discrepancies mentioned above, I also wish to address the statute of limitations for debt collection in North Carolina. As per North Carolina credit laws, the statute of limitations for most types of debt is three years. It is crucial to determine whether the statute of limitations has expired in this case, as it may affect the creditor 's ability to pursue legal action to enforce the debt. I request that you thoroughly review the relevant dates and account history to assess compliance with the statute of limitations. In accordance with the FCRA and North Carolina credit laws, I kindly request that you initiate a comprehensive investigation into the validity and accuracy of the information provided by Discover. This investigation should include verification of the aforementioned addresses, phone numbers, and any other associated details. I also request that you obtain and review any supporting documentation provided by Discover, such as written documents or records, to substantiate their claims. Furthermore, I kindly request that Discover provides me with a detailed report of the investigation 's findings within the statutory timeframe of 30 days, as outlined by the FCRA, which they have yet to do. Additionally, I would appreciate their assistance in clarifying how their actions, as outlined in their communication, comply with the requirements of North Carolina credit laws, including the options for repayment assistance directly through Discover and not a third party. I appreciate your prompt attention to this matter and your commitment to upholding the provisions of the FCRA and North Carolina credit laws. Thank you for your assistance in resolving this matter. I look forward to your prompt response.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I hope this letter finds you in good health and high spirits. My name is XXXX XXXX. I am writing to you with a request for accommodation regarding my Discover Bank account, XXXX. I kindly request that you consider removing the late payments from my credit report and updating them to " paid as agreed. '' I regret to inform you that I faced severe financial difficulties due to the unforeseen circumstances of contracting XXXX. As a result, I lost my job at that time and was unable to meet my financial obligations, including making timely payments on my Discover Bank account. This unfortunate situation had a significant impact on my ability to maintain a consistent payment history. Moreover, the consequences of XXXX extended far beyond the financial realm. I contracted a severe form of the virus that left me physically and emotionally debilitated. The extent of my illness was so severe that I was unable to take care of my beloved bulldog, who was my loyal companion. Tragically, due to my illness, I was unable to provide the necessary care, and my bulldog passed away. The immense grief and guilt I experienced over his loss plunged me into a XXXX XXXX XXXX XXXX, further hindering my ability to handle my financial responsibilities effectively. I understand the importance of a positive credit history and take full responsibility for the late payments. However, I humbly request your understanding and compassion during this extremely challenging time in my life. I have sought professional help to overcome the XXXX and guilt that consumed me, and I have made significant progress in rebuilding my emotional well-being. Now, I am pleased to inform you that I have successfully overcome those financial hardships and have regained stable employment. I am committed to meeting my financial responsibilities and ensuring timely payments moving forward. Removing the late payment history associated with the period when I was affected by XXXX would greatly assist me in restoring a positive credit standing and rebuilding my financial stability. To support my request, I have enclosed relevant documents, including medical records and veterinary documentation confirming my illness and the unfortunate passing of my beloved bulldog. I hope these documents provide additional context to understand the profound emotional toll and financial difficulties I faced during that period. I sincerely appreciate your time and consideration in reviewing my request. I assure you that I am committed to responsible financial management and will diligently make future payments on time. I am determined to rectify my credit history and maintain a positive relationship with Discover Bank. Please let me know if there are any further steps or documents required to support my request. I would be grateful for an update on the progress of my request and any decisions made by Discover Bank. Thank you for your understanding and for taking the time to consider my appeal. I look forward to your favorable response. Yours sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 32065
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Improper use of your report
Subissue: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: I was told my credit WOULD NOT BE RAN AND IT WAS, WHICH IS A LIE. I want to file a complaint because it was a hard inquiry and it said no impact to your credit.
Company Response:
State: VA
Zip: 24141
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A