Date Received: 2023-05-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 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! XXXX XXXX, Discover, XXXX XXXX. 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 to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding deletion of all accounts listed due the identity theft.
Company Response:
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
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: Got a faulty dryer twice from XXXX XXXX. We wanted to return it and get a refund ( 2 days into owning it ) and they were very difficult to work with. After 3 weeks of communication, we had no progress. We opened a dispute with discover, and they ruled in favor of XXXX XXXX because they said they havent received the product back. I can not easily transport a dryer, so I called them to try to schedule a return and they refused. I dont know how its fair for them to win the dispute with the logic that they havent had the product returned, but then refuse to have it returned whenever we try to. We are more than willing to give it back.
Company Response:
State: NY
Zip: 128XX
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
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: I have tried for many months resolving a dispute with my Discover credit card for a charge for baggage from XXXX XXXX on XX/XX/XXXX in which I was not refunded for fees associated with baggage when I did not end up checking bags in and also for misleading me about charges and hiking up prices at the last minute due to glitches in their online XXXX website. Discover reps have been playing unprofessional and hard headed at not solving my claim. I was asked the usual stupid question by reps in claims department " if I had a letter from XXXX that stated the airline would refund my money ''. That is ridiculous of course not. The airline will try at all costs not to refund my money but Discover is not helping me at all and manipulating the dispute by not providing me any documents to support their decision and denying my claim just because they feel like it. Since XX/XX/XXXX I called and tried to get an update but nobody would talk to me and the dispute remains closed I was told. I wrote a letter advising them that if my dispute was not resolved professionally I would file numerous complaints to try to get a favorable answer. I have submitted lots of paperwork to support my claim. Please see attached letters.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
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: Around XX/XX/XXXX, I bought an item from XXXX warehouse. The item was listed like new with packaging damage. Upon opening it, the product inside was not the same item as I ordered. I asked for a refund upon return from XXXX and they agreed to refund me when the item arrived in their warehouse. When I saw the item had arrived in the warehouse, I consulted with customer service about the refund. The agent told me I would be refunded within 2 weeks after the item arrived in their warehouse. I waited 2 weeks and contacted XXXX customer service again but they told me I still had to wait. I waited another week but I still didnt receive a refund so I contacted XXXX customer service again. They told me the same thing, that I would be refunded soon. But it seemed like I was never going to get my refund so I opened a dispute with my credit card company, Discover. Discover solved things for me and gave me the credit for the item I purchased. They said the issue was solved but all of a sudden on XX/XX/XXXX, they reversed the dispute and sided with the merchant, XXXX. They said there was not enough proof to determine the reasons for my dispute which is why they sided with XXXX. I dont understand why they suddenly sided with XXXX after so long, especially when I dont have the tracking number for the order anymore because its been so long. I feel that this is very unfair and surprising that they suddenly did this.
Company Response:
State: NY
Zip: 11220
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
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 Wednesday, XX/XX/2023 I reached out to my credit card company, Discover, to explain that my financial and personal information was compromised. Leading up to that day of realizing that my information was taken, I had just recently discovered that the girl claiming to have feelings for me and being my girlfriend was part of a " Pig Butchering ' scam. She had sent me a screenshot of her pristine credit report and told me a lot about her job with trading cryptocurrency when we would XXXX. That is why I believed it because we would XXXX and chat on XXXX. I never sent her money but she was able to gain screenshots of sensitive information when I signed up for her financial website and it was actually a cloaking site so that she could grab my information. I didn't know if it was from this online dating encounter or from something else like the XXXX app that asked for remote access to my phone during the process. I still don't know where the identity theft came from I just knew that I was dealing with fraudulent charges on both my bank account and my Discover account. What I did know is that both my XXXX XXXX information and my Discover card started receiving fraudulent charges in early XXXX and I called to report this to Discover for the first time on XX/XX/2023 or if it wasn't that day it was definitely before the charges that I will eventually bring to light ( XX/XX/2023 ) I explained to Discover that my information had seriously been compromised to the point where I was opening a whole new bank account at XXXX and I wanted to close my account with Discover. Discover assured me that my security would be protected. They convinced me to keep my account and said that they would send me a new card in the mail. In the meantime, they told me to hold on to the Discover card that I had. They said with the Discover card I had I would be able to make purchases at physical locations, but that they would restrict all internet/online purchases. I was satisfied enough with this resolution because they told me the card would be in three days. Fast forward Monday, XX/XX/2023. I still had not received my new Discover card in the mail, so I used Discover card that they told me to keep to buy some candy at a gas station that morning. After the purchase I had some time to kill and I was just checking my online account to see what my balance was and to inquire about why I had not received my new card yet. I was still unable to make internet purchases with my card that I had because of the restriction that I put on for security purposes. When I logged on to my Discover online account I was shocked to see that Discover had charged me XXXX dollars in online purchases to a place I had never used my Discover card in my life XXXX XXXX XXXX These charges went through to an online gambling site on XX/XX/XXXX in XX/XX/2023 at like XXXX or XXXX in the morning. I was shocked and I called Discover right away to report the fraud. I explained to them that I had been with my baby daughter all week and all weekend because I get her split custody. I had no idea what these charges were or how it was possible that they would allow this much to be charged when I had reported a security threat just a week before. I reported XXXX dollars ( seven charges of XXXX each ) as fraud and reminded Discover that there was supposed to be an online restriction on my account. I asked them how these charges were possible when there's an online restriction and I haven't even received my new credit card yet. They did not have answers, but were very understanding of the fraud and reimbursed me for all the charges. After the reimbursement I was able to establish a brand new bank account at XXXX and I was finally able to get a new credit card from Discover. Here is where the problem starts. Discover called me Friday, XX/XX/2023 to let me know that they had reversed their decision of fraud after investigation. They said that their reasons for reversing it were because I never reported my driver 's license as missing and the online site that charged the purchases was able to obtain my driver 's license photo. They also said that because I had a previous fraud problem that they were reversing it. They also said that the charge had been verified through my email at close to XXXX XXXX. on XX/XX/2023. Those were their three reasons, which in my opinion have nothing to do with the problem of the fraud itself. They asked me if I wanted to present any new information and have them re-review. I said yes and I reiterated everything that I explained when I first called and reported the fraud two months prior. I explained to them that there is no possible way that I could have ever of made these charges because I never received my new credit card and the credit card I did have was restricted for online purchases because I was having an identity theft crisis with my information and I needed all new financial stuff. I explained to them that my driver 's license could have easily been obtained through the screenshots that I had originally told them about. I explained to them that my email had been compromised and they already knew that. So if something got approved over email it could have easily been manipulated by someone else. I asked them what credit card was used for these purchases because it's no way it's the one I physically had because of the online restriction. They had no explanation for this. Anytime that I have ever activated a credit card there or for MasterCard, I have had to be voice activated, especially when I had a security concern already on my account. They told me that there was no voice activation to clarify who activated the card, that some cards can be activated with a dial feature. I told them that that is not true because the credit card I have now I had to voice activate and if you really can dial activate why would they allow that if I had a security concern on my account. Why wouldn't they demand to talk to me in person before that card was activated that was used for the {$7000.00} purchases. They had no answer for any of that. There was a security alarm on my account and Discover allowed XXXX of purchases to take place through email verification. I gave them plenty of warning that my account was under attack and they allowed XXXX in the middle of the night when I'm with my daughter asleep and I wake up to it on Monday morning to see that my account have been charged all that money. They still have not given me an answer on what exactly happened and what card was used and how it was activated and how it was verified. That is my proof that none of this is me and they won't acknowledge that. I did not activate or verify the card that was used to make {$7000.00} of purchases. Anytime I've ever had to verify a purchase I've had to call into the credit card company and speak to somebody, they said that never happened. Whoever verified it did it through email at XXXX in the XXXX on a Saturday when I'm with my daughter and it didn't even require voice confirmation even though my account was red flagged for the fraud I had reported a week prior. You are welcome to cross reference all of this with Discover because I have told them all this and I do not understand why they are doing this. I have always paid my Discover card in full. I never even knew that you could use Discover card for online gambling until these charges took place. I have never had a problem paying my Discover bill and I have never come close to spending that much of my credit card limit. I have never spent over {$4000.00} in a month at Discover but they allow {$7000.00} of charges and one night on an account that had a security red flag on it. My credit score will back all that up. These charges were completely random and not in line with anything that I have ever bought before and I have never spent that much money before. I have been with Discover over 10 years and never had a problem like this. Here 's the action I have taken so far. I reached out to a lawyer and got counsel. Based on the path he laid out for me these are my plans of action. Outside of reporting this to CFPB, I have also written this report to the Federal Trade Commission. I have paid my Discover balance all the way down to where {$7000.00} is left, the exact amount that is in dispute. That {$7000.00} is going to come due and I am not paying it. These are not my charges, these are fraudulent charges and I was not protected when I did everything I could to let Discover know that my information was under attack. I am happy to give more information. However, I know what's going to happen. Discover will be asking for XXXX dollar payment at the end of XXXX and start charging 25 % interest on that XXXX. If that is their plan then I will be writing them a letter of my intention to close my account and not pay the outstanding charge because it is not my debt. It is fraudulent and I reported it as such and I am protected under the XXXX Credit Billing Act for a maximum liability of XXXX XXXX XXXX am willing to pay that to Discover, the {$50.00} if that's what they want. I will not pay {$7000.00}. I still don't know how this got approved, how a card I never received got activated and used for {$7000.00} when I never charged my card like that. I wanted to get ahead of this so that Discover stops taking advantage of me because they're just going to hit me with that interest to try to put pressure on me to pay for something that is not my charge. Plus like they said I can keep presenting new information but it's just a never-ending process if they deny the fraud and I keep having them reinvestigate it then the interest will continue to build on the {$7000.00}. At this point they are leaving me no choice. I plan on closing the account with the {$7000.00} left on if they don't remove it. Upon a closing the account I will not pay the {$7000.00} and if they want to send it to collections I will let it go to court if they want to sue me because I know these are not my charges. I also know that I am protected from fraud and I will fight for those rights. I have the money to pay the {$7000.00} off right now, I could make this problem go away by just paying it. That is wrong though. I was with my daughter when this fraud took place, she is just a baby and needs this money. As a consumer I did everything I could to let Discover know that my information was compromised and they let these absurd charges happen. The reasons they are giving for justifying their decision to reverse the fraud are nothing to do with the fraud itself. I am willing to go to court to fight for all this, to fight for the truth. Please reach out to Discover and let them know that if they don't remove the {$7000.00} from my account before the first interest payment hits then I will be closing my account with no intention on ever paying the fraudulent charges. I will fight this in court if they want to sue. I know the truth and I will stand by it. The best resolution would be to honor the fact that they did not secure my account. XXXX has already honored it. I always pay my Discover XXXX and I plan on continuing to do that for the purchases I make. I will not pay for thesecurity breaches of my creditors when I did everything in my power to preemptively stop it and to report it as soon as I discovered it.
Company Response:
State: OH
Zip: 43050
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I spoke with this company and they are aware that I did not open the account because I never received the credit card. This is under fraud alert
Company Response:
State: MD
Zip: 21217
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Discover Bank refuses to completely delete my collection account after i paid for a deletion. My account was closed on XXXX. Payment date was XXXX. I have called them several times about this. Last call was on XX/XX/23 ; I was told there was nothing i could do about the account being on my credit report.
Company Response:
State: SC
Zip: 29115
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Opened a savings account with Discover XXXX Bank on XX/XX/2023. Promo offer of 200 deposited into my account if funded the Discover XXXX account with XXXX or more. Created the online account and tried to transfer XXXX from my checking account ( XXXX & XXXX ) to Discover savings account. Discover system locked me out online and I have spent considerable time of the phone with them to find out that they CAN NOT link with XXXX & XXXX. XXXX & XXXX is my only other bank account and I have never had issues with linking other financial services ( Discover credit card, mortgage, IRS, etc. ). I feel like I have been tricked into opening an account at Discover Savings without being told in advance that they only allow transfers with certain financial institutions and unfortunately XXXX & XXXX is not one of them. Please require Discover Bank to DISCLOSE this information prior to having a consumer go through the frightening experience of trying to transfer XXXX and have no idea why in the middle of the transfer the user becomes " locked out '' of their account. It was very stressful as I didn't know what was happening with a considerable amount of money. Then I had to spend over an hour on the phone with various people only to learn that this could have been avoided if Discover had disclosed this PRIOR to me opening an account. Thank you very much for your consideration of this request.
Company Response:
State: DE
Zip: 19958
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
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: In accordance with Fair Credit Reporting Act XXXX Account # XXXX. DISCOVER BANK Secured Credit Card Charge-Off, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
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 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 any purpose.
Company Response:
State: VA
Zip: 23462
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A