Date Received: 2023-05-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX or XXXX XXXX XXXX, XXXX. The balance of {$1000.00}. The account was opened in XX/XX/XXXX. The account was opened fraudulently. I have completed the following steps to resolve the account with the account : First, I contacted the creditor without success. After being unsuccessful in contacting the original creditor. I have also disputed it several times with the credit bureau due to it being fraudulent during a pandemic. - The original credit bureau was contacted on - XX/XX/XXXX and XX/XX/XXXX- The credit bureaus have been contacted on - XX/XX/XXXX and XX/XX/XXXX At this time, I have been unsuccessful in getting the fraudulent account removed from my report. I am reaching out to obtain assistance with getting the account removed from my credit reports. Discover Card reported a late payment which is also incorrect. I have had this account for several years, and have never been late with a payment. The payment was incorrectly reported, because of an issue with the website. I have attempted to have the situation corrected by contacting the creditor by phone in XX/XX/XXXX. I have also contacted the credit bureau without success via phone in XX/XX/XXXX and by letter.
Company Response:
State: NC
Zip: 27455
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a fraudulent account on my credit report, which I reported to DISCOVER FIN SVCS LLC, yet DISCOVER FIN SVCS LLC is not removing this fraudulent account. Discover Bank has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet DISCOVER FIN SVCS LLC has refused to do this. The following is the fraudulent account : DISCOVER FIN SVCS LLC XXXX which was opened at an address where I have never lived at and it has nothing to do with me.
Company Response:
State: CA
Zip: 91605
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX when making a payment online I noticed my available credit balance was {$0.00} though my credit limit is {$3200.00} and my balance was {$1100.00}. I started an online chat to find out what was going on and found that my account had been closed on XXXX. I did not receive a letter as to why. I was then transferred to a specialist who informed me my account was closed due to Discover not being able to verify my personal information. I then was asked to call XXXX to get additional information. I was told I was sent 2 emails and they had called me in XXXX to verify my personal information though I did not receive any communication so was unaware of said request. In the meanwhile, I'm making payments well above the minimum payment and there has been no issues or reach outs to me for anything. XXXX {$3.00} Online Cashback BonusRedemption Payment XXXX {$500.00} Online XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ending XXXX XXXX {$1500.00} Online XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ending XXXX XXXX {$21.00} Online Cashback BonusRedemption Payment XXXX {$170.00} Online XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ending XXXX XXXX {$250.00} Online XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ending XXXX XXXX {$62.00} Automatic Payments XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ending XXXX XXXX {$360.00} Online XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ending XXXX XXXX {$48.00} Online Cashback BonusRedemption Payment XXXX {$1.00} Online XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ending XXXX I have been a customer since XXXX and do not believe permanently closing my account is warranted when I did not receive any communication on needing to verify my personal information in XXXX, did not receive a letter that my account was closed in XXXX and clearly from the payments I have made above I am fulfilling my obligation and then some in order to have my account in good standing. In fact, as wrong as this is I just paid my balance in full. I am a real person and if something was needed from me I should have been contacted. Thank you for reviewing this situation. XXXX XXXX XXXX
Company Response:
State: CA
Zip: 91941
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: It was bought to my attention on XX/XX/2023 that according to the Uniform Commercial Code I had other ways to tender payment besides federal reserve notes, which is the most commonly used payment method. According to UCC code 3-603. TENDER OF PAYMENT, and 3-602. PAYMENT, and 3-104. NEGOTIABLE INSTRUMENT. Discover has decided to acknowledge receipt of the Payment Coupon that was detached and returned to set off, remit, or discharge debt. As a result they have sent multiple requests for additional payment in Federal reserve notes. I have spoken with a manager who stated I just sent them a piece of paper although I sent certified mail an endorsed payment coupon. UCC code 3-206. RESTRICTIVE INDORSEMENT. They are also threatening to report late transactions to credit reporting agencies who are also violating the UCC codes. 603 - 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) states that reports containing information solely as to transactions or experiences between the consumer and the person making the report ; should not be included. I have tried to contact customer service about the matter I also started a claim with Discover in regards to the matter. This is impacting me negatively as I have an expanding business and Discover is reflecting negative information on my credit report and denying a legal tender of payment. I have attached several supporting documents and would like this matter resolved urgently as the negative report is denying me access and creating a costly negative impact.
Company Response:
State: VA
Zip: 24012
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In reference to the following account below : DISCOVER BANK Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXXXXXX Acct # XXXX In accordance with section 602 an of the Fair Credit Reporting Act ( 15 USC 1681 ), " There is a need to ensure that consumer reporting agencies exercise their serious obligations with fairness, impartiality, and a respect for the consumer 's right to privacy. '' I am the consumer, and XXXX are consumer reporting companies. According to 15 USC 6801, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information, '' I have the right to ensure that my private information isn't shared. A financial institution is one that " ( Furnisher information to credit agencies ) is by definition under that designation. According to section 2 of subsection ( a ) of section 604 of 15 USC 1681, " In general, any Consumer reporting agencies may only provide a consumer report under the following conditions : in line with the consumer to whom it relates explicit instructions. ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting companies XXXX do not have my consent to provide this information, and they most definitely do not have my written consent. All consents, whether expressed orally, nonverbally, in writing, implicitly, or otherwise, to XXXX ( Furnisher of information to credit agencies ) are canceled. According to 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party without first providing the consumer with instructions on how to exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never made me aware of my option to withhold information. Furthermore, according to 15 USC 1681C ( a ) ( 5 ), " No consumer reporting agency may make any consumer report that contains any of the following items of information, except as authorized under subsection ( b ) Any other adverse item of information, other than records of convictions of crimes that predate the report by more than seven years. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX does not follow reasonable practices. A consumer may exercise their right to opt out at any time, according to 12 CFR 1016.7. I choose not to use your reporting services and opt out of them.
Company Response:
State: GA
Zip: 30076
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
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/2023, I purchased a salad at XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX, GA. This salad made me ill. I complained to XXXX about it and they did nothing other than send me a Dear XXXX email and have the manager call up to say " it's only you '' and hang up. Then I disputed it with Discover. All of a sudden, they don't cover bad food. The sorry piece of XXXX that answered the phone named XXXX even said it's my fault for eating the food. The problem is food illnesses are not instantaneous. It took hours. What was I supposed to do, take them my XXXX and then request a refund? XXXX refuses to do the right thing and refund my money, Discover is now trying to hide and say they don't cover food purchases but that is not in the cardmember agreement. They have actually covered it before. I do not see what the problem is all of a sudden.
Company Response:
State: GA
Zip: 30311
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I had student loan from discover student loans from XXXX. After graduation in XXXX, I started paying my student loans promptly. The way payments are taken is not right. some months entire payment goes towards the interest. some months little portion goes towards the principal. When called and asked the customer care, they stated its the computer system tackles. they have no control. my concern was payments have to be approximately consistent every month. When is submiited my tax returns, my XXXX stated I'm paying more interest in student loans than what my interest rate was. He suggested to contact the student loan company. I called them again, this time, they had no answer. They couldn't answer me properly. I refinanced my student loan in the mid of XXXX to another lender. I could see big difference how my payments were allocated every month. I didn't know how to raise this concern of being treated unfair towards the student loan payments. Please kindly approve this concern and raise this issue so many students would be saved from wrongly charged student loan payments by DISCOVER
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Ive talked to your billing department and they can not help me process the remittance coupons that were sent to me by your company. I have sent in the remittance coupons according to the bills of exchange act and usc and ucc laws. They are not giving remedy and are trying to force me to double pay them. They have reported incorrect information regarding all of this and have damaged my ability to use my credit to support my family. They have defrauded me.
Company Response:
State: MI
Zip: 48060
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The agency has been pursuing an alleged debt from 2007 that I disputed and despite my requests for validation, they have failed to provide proper documentation. I have previously requested that the debt collection agency provide me with written proof of the validity of the debt, including documentation that shows the original creditor, the amount of the debt, and any interest or fees that have been added. To date, they have not provided me with this documentation, and I am concerned that they are continuing to pursue collection activities without proper validation. I believe that this behavior is in violation of my rights under the FCRA and other applicable laws. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the debt collection agency complies with all applicable laws and regulations. Specifically, I am requesting that the agency cease all collection activities related to this debt until they can provide proper validation. I am also requesting that any negative reporting related to this debt be removed from my credit report until the debt can be properly validated. I appreciate your attention to this matter and look forward to your response. Thank you for your time.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Other transaction problem
Subissue:
Consumer Complaint: My complaint is about Discover Bank. I had my XXXX account attached to my Discover account. At some point in the last year or so, I was informed by Discover that I would no longer be able to use XXXX with their app. When I tried to use XXXX with another bank, as I had done before I opened the Discover Bank account there was an error message. When I contacted XXXX I was told that Discover has not released my token and I can not use XXXX until the token is released. When I contacted Discover, they said that they had released the token and the problem was on XXXX 's end. I am an independent contractor and some of my jobs prefer to use XXXX and this is becoming an increasing problem for me. It is taking longer for me to get paid and I now have to pay for instance transfers.
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A