Date Received: 2023-05-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Discover financial services have wrongly reported a write off negative balance of XXXX dollars for a dispute being raised for a debit card purchase. Despite of reaching discover via XXXX complains and also to correct wrong chex system report discover is asking to pay that XXXX dollars despite of non receiving of the product and are not willing to sort this despite of multiple conversations and follow ups. And to make it even more worse discover has not even furnished a detailed investigation report of on what grounds the credits for the dispute were reverted back. So this needs to be escalated and would like to give one last chance to discover to sort this out. Lets see
Company Response:
State: AZ
Zip: 85260
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX and Discover Card, along with credit reporting agencies such as XXXX, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 US Code 1681 and Privacy act of 1974. Additionally, I exercised my right to opt out of any and all authorization I, the federally protected consumer, may have given Discover Card and XXXX XXXX whether it be written, unwritten, verbal or nonverbal to report my information to a non-affiliated third party, pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7- Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. All of my personal information must be cleared off my report. All versions of names except my only Name " XXXX XXXX XXXX ''. All other versions are in violation. There is only 1 address that is correct that should be on my Consumer Report and that is XXXX XXXX XXXX XXXX, XXXX XXXX New Jersey, XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. There are CHARGEOFFS being reported on my consumer report from Discover and XXXX XXXX, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports.
Company Response:
State: NJ
Zip: 07017
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
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! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purpose 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 federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.
Company Response:
State: FL
Zip: 33936
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
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: NV
Zip: 89506
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
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 have satisfied the account with the following company for the Account Number # XXXX and as a result I was notified that once I paid this account off in its entirety that this account would be removed from my credit file as it is preventing me from being able to gain credit at this time.
Company Response:
State: VA
Zip: 23324
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Discover reported a high balance of {$5200.00} on my credit report that is incorrect. My credit limit of {$4500.00}, I never authorized {$5200.00}. They claim that they increased my credit limit to {$5200.00} but I never authorized nor requested such a change.
Company Response:
State: TN
Zip: 38118
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
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 am the victim of very obvious, and equally clearly reprehensible and corrupt, flagrant consumer fraud perpetrated by Discover Card ( Discover ). Basically, Discover has condoned and enabled blatant web based fraudsters to significantly overbill me for a XXXX, XXXX XXXX XXXX, NV hotel stay ( dishonestly billed at {$72.00} above the actual hotel charges and fees totaling {$220.00} ). Much more egregiously, the XXXX XXXX XXXX XXXXXXXX in Discovers so-called Billing Disputes or Claims and/or Resolutions Department ( depending on what different Discover customer service agents called it ) pretended to investigate this matter. Then, after I provided Discover with very clear and indisputable evidence that the Internet scammers ( who also go by differing names, including XXXX and XXXX before morphing into XXXX perhaps to facilitate their various Internet scams ) did not pay one dime to my hotel, the XXXX XXXX there still want me to pay this entirely bogus charge. It is quite possible that the web con artists bribed someone at Discover to receive such a wildly unconscionable result out of those underhanded phonies. Otherwise, the vile Discover XXXX believe it is far easier for them to cheat an honest customer on a one-time fraudulent charge, and placate the obvious web scammers, with whom Discover will no doubt be doing plenty of further business in the future ( legitimately or not ). Those two alternatives ( which are not at all mutually exclusive ) are the only ones that make a bit of sense to any sane, rational and fair individuals. I figure your offices handle such matters, but am not entirely certain. I am very eager to pursue any and all applicable criminal charges for this indubitably illicit activity, including collecting any penalty or other fee levied on such incredibly crooked operators. I would not know if the sum involved here ( {$290.00} ) qualifies for felony grand theft or is deemed to be a misdemeanor level amount. I will reiterate that I shall gladly forward to you ( or any other relevant offices ) my easily grasped and unquestionable evidence ( for anyone who is not a XXXX XXXX ) proving beyond any possibly conceivable doubt I am entirely correct in this matter. That proof includes two very detailed and unambiguous letters sent to Discover ( last XXXX and last month ), along with a copy of my XXXX XXXX billing statement from my stay there last XXXX. That latter document expressly shows I had to pay my entire {$220.00} hotel bill when I checked in there on XX/XX/2022 ( which was done entirely in cash, as also clearly noted here ), because the web frauds never forwarded a cent to that establishment. I am not attaching these documents now because I am not sure if they need to be submitted to your offices or elsewhere specifically.
Company Response:
State: CA
Zip: 94102
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
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 purchased XXXX XXXX XXXX in the Fiscal Year XXXX using my Discover Credit Card that expired XX/XX/XXXX. XXXX sent me numerous reminders that the card needed to be updated for renewal to continue the agreement for the software. However, I chose not to renew the agreement. I have never purchased any software directly from XXXX other resources have been utilized. On XX/XX/XXXX I received an alert text notification from Discover that {$99.00} had been deducted for XXXX XXXX. A telephone call was placed to Discover to inquire about the transaction. The Discover representative requested that I contact XXXX concerning the issue. During my conversation with Discover I question as to why I was billed on XX/XX/XXXX although the card date on file for XXXX expired XX/XX/XXXX. To avoid any late charge fees for any pending disputes payments are rendered timely. On XX/XX/XXXX the Discover outstanding balance was paid in full. A Discover notification informed me on XX/XX/XXXX that I have an outstanding balance of {$55.00} although the full balance was paid on XX/XX/XXXX. Again, I called Discover fully explained that the full balance had been paid. The representative stated that the issue was concerning the XXXX XXXX. I stated that they illegally allowed the transaction of {$99.00} because the card XXXX had on file expired XX/XX/XXXX and I had never updated the information to continue with the renewal. The representative justified the XXXX deduction until I informed her to research her files to see the expiration date of XX/XX/XXXX. However, she refused to correct the balance of {$55.00}.
Company Response:
State: CO
Zip: 80220
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Discover is reporting false information on my credit report. I have disputed this item with the credit reporting agencies many times but Discover keeps verifying this false information as accurate. This is a clear violation as I am providing screenshots of the false information.
Company Response:
State: CA
Zip: 92707
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Discover continues to try reach to reach me through my employer 's number. The first time I sent an email notifying them that I am not allowed personal calls at work and that they can not contact me at work. They have continued to do so.
Company Response:
State: PA
Zip: 179XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A