Date Received: 2023-05-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Since XX/XX/XXXX every 7 days someone been trying to open a credit card, checking and online account in my name at discover credit card. Since XX/XX/XXXX to XX/XX/XXXX they try XXXX times. I spoke to a fraud representative at discover, XXXX XXXX and XXXX XXXX XXXX bank card and they are looking into the situation and also put an alert on my name.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I was alerted about a credit check on XX/XX/23 about someone attempting to open a Discover Credit Card using my information.
Company Response:
State: CA
Zip: 90606
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Someone opened a discover credit card in my name fraudulently. XXXX is still reporting this account. This is in direct violation of my consumer rights.
Company Response:
State: IL
Zip: 60660
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account is result from Identity Theft! I did not open up this account. I sent this company my FTC report letting them know this is a fraudulent account along with the address attached to it which is on the the FTC report.
Company Response:
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX or Discover reported in accurate information on my credit report if they cant provide validation of the information reported it must be deleted or updated to positive payment history. I have not supplied proof under doctrine of estoppel by silence, Engelhardt v.Gravens 281 SW 715,719, I presume that no proof of the alleged debt, therefore any such debt, in fact therefore exist as late payment status.
Company Response:
State: TX
Zip: 75042
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Sent to Discover/ No Response XXXX XXXX XXXX Vice President / Deputy General Counsel and Assistant Secretary Discover Financial Services XXXX XXXX XXXX XXXX XXXX, IL. XXXX RE : Conditional Acceptance of Payment Claim Discover Card ending in XXXX Dear XXXX XXXX XXXX, I am writing in response to your recent reminder in which you claim that I am obliged to make a payment to Discover Financial for services and / or goods provided. I appreciate your attention to this matter and am willing to consider the claim on a conditional basis, subject to the fulfillment of the following conditions : Signed Contract : Please furnish a copy of the signed contract bearing my wet ink signature. This contract must clearly outline the terms and conditions agreed upon by both parties and demonstrate that I have willingly entered into an agreement with Discover Financial Services for the provision of services and / or goods. Itemized List of Services and / or Goods : Please provide a detailed and itemized list of the services and / or goods that you claim Discover Financial Services has provided to me which warrants the payment. This list should include a comprehensive description of each service and / or good, the associated cost, and any relevant dates or timeframes. Upon receipt of the requested documentation, I will thoroughly review the provided information to determine the validity of you claim. If your claim is found to be legitimate, I will take the necessary steps to ensure prompt payment in accordance with the agreed-upon terms. Please submit the requested information within 10 business day of receipt of this letter. If I do not receive the required documentation within this time frame, I will assume that you are unable to fulfill these conditions and your claim will be considered null and void. Further, note that that the requesting payment devoid of a contract may be considered racketeering. If you have any questions or concerns regarding this matter, please do not hesitate to contact me using the address above. Thank you for your cooperation, and I look forward to resolving this matter in a timely and amicable manner. I have made numerous payments to them using the negotiable instrument that they provide with the statement to no avail. They have also froze my credit and I am unable to use my card which is an interference in commerce.
Company Response:
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In reference to my XXXX XXXX XXXXXXXX XXXX XXXX and Discover Credit Card, n accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : 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 XXXX purpose.
Company Response:
State: FL
Zip: 33130
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX are reporting fraudulent accounts that you did not open.. these account dont belong to you.. you are victim of severe id theft. I had reported this to the company and the credit bureaus i was told that i was responsible for the account I have not given anyone permission to use my Social Security number to apply for credit cards
Company Response:
State: PA
Zip: 19018
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I want to refile a complaint against DISCOVER BANK I have been sending letters and filing a dispute with them, but they are not providing the proof and the methods of investigation that they conducted, they keep on telling that they conducted and verified all the information on my credit report, BUT they failed to provide the documentation which is beyond 30 days. They have violated Fair Credit Reporting Act to provide accurate information on the credit report.
Company Response:
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I have negative balance on my discover account, discover owe me {$570.00} US dollar. I want the money transferred to my bank account, but they wont allow it and didnt give me a clear reason. And they removed my negative balance for no reason and always need the someone to check it before reinstate it.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A