Date Received: 2023-04-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Today, XX/XX/XXXX, I checked my Discover XXXX account only to find a {$1000.00} withdrawal that was authorized/submitted/processed XX/XX/XXXX. I called Discover as I did not recognize or authorize the transaction and was told to contact XXXX to see if it was on their end since it was coming from a XXXX XXXX account ( my main checking account is with XXXX ) I did not authorize or approve any withdrawals from my Discover XXXX Along with this, there was a random hold that was put on my XXXX account transfer TO BE DEPOSITED to my Discover savings and my XXXX XXXX account. After reaching out to XXXX they determined it was not viewable on their end who initiated the {$1000.00} withdrawal from my Discover XXXX as well as not being able to determine why there was a hold placed on my account. The representative at XXXX said it was possible my Discover savings has been compromised I will shortly contact Discover again today to inquire furthermore about the unauthorized withdrawal and possibly see which account it was withdrawn too
Company Response:
State: CT
Zip: 06776
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2022, I contacted XXXX XXXX XXXX to obtained information by mail and phone. I called from XXXX. The rep hung up. I sent mail for other a year no response. I'm trying to obtain information for XXXX Personal Loans. However, no response from the company. I would like the initial letter from your company, including the loan documents with my signature on them to examine and inspect the account in question. After, receipt of the document, if the loan is determined to be mines. I would like a settlement between 65 % -75 % of the balance. I would like a letter from discover that they agree to not sell the account if such action for settlement is reach. Also, I would like the status on account and the age on the account. If, the account is time barring. This company doesn't have a business license in this territory. If so please provided your business license XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: VI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A few years ago someone filed federal taxes in my name which now requires me to use an IRS issued identification number to file my taxes.Now, someone has taken out an ample amount of credit in my name, which is beyond frustrating. I noticed this issue when I pulled my credit reports XX/XX/2023. I pulled my credit because I am interested in XXXX my XXXX XXXX & wanted to apply for FAFSA ( federal aid ). I figured to check before applying for federal student aid. I have filed a dispute with XXXX XXXX and XXXX. All of the information ( credit reports, identify Theft Victims Complaint Affidavit, my state identification, and a list of items that are fraudulent ), is attached to this report, in which the accounts listed in the documents that start with Exhibit to FTC Affidavit Page, are fraudulent. What bogies me is that I have fraud alerts ( freezes ), on my reports. However, lately ( within the past few months ), Ive been receiving weird, unknown calls. I have also filed a complaint with the CFPB. I am willing to prosecute.
Company Response:
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Plaintiff ; Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, Fl. XXXX Case Number ; XXXX XXXX XXXX ( Filing # XXXX XX/XX/2021 XXXX XXXX ) After documented proof the sole income Social Security XXXX and Veteran Administration 100 % rated service connected XXXX XXXX Veteran Benefits were both Federally and State of Florida protected from collections went vehemently ignored. Discover perpetually advanced collections with terminal disregard for formal procedural law and refuses to respond acknowledgement of any and all defense when every contract application has two ends not only the creditor as they intend to force in litigation in willful and wrongful violation of formal law. When debts are to cater to a given religious theory which deviates from formal law and judiciary caters to any religious movement debts are moot when the debtor is not of that given religious movement. Whereas, it's rules only apply to those of the given religion, no religious tyranny is even conceivable as absolute and final when the action attempts to supersede citizen protection procedural formal law. Discover Credit Card Bank after the better part of five years attempted to force collection with unsurmountable phone calls, reminder and warnings in letters of collection demands with added fees. Then issued a Broward County Florida Civil Small Claims Court procedure menacing and harassing the cardholder without restraint against tax exempt Social Security and XXXX Veteran Benefits with a tyrannical disregard for Federal and States of Florida Consumer Protected from collections funding. While demanding payment willfully superseding formal procedural law. Then in a Final Judgement managed to attach a 20 year demand with warning of added fees, penalties and taxes if not paid in gouging causing health care complications and compound XXXX XXXX XXXX XXXX XXXX XXXX Veteran Administration Mental Health outpatient with disregard for further mental harm they are perpetrating. All previous complaints about Discover at CFPB were closed without Discover directly answering the given complaint as they circumvented reasonable response as if only their side mattered moving against procedural law. When no action was taken for remedy and acknowledge withdrawal of the collection demand to comply with Federal and State of Florida protected from collections income in violation of formal procedural law. I move to have this complaint advanced to Criminal implicating Discover is in direct violation of Florida Statute XXXX ( Prohibited debt collection practices generally ) And Discover is in vehement and willful violation of The Fair Debt Collection Practices Act ( FDCPA ) Consumer Financial Protection Bureau.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I used the discover link that stated I can get a rate without an impact to, y score I followed the link and was notified by my credit monitoring service that a hard pull was made on my credit report by Discover I did not authorize this inquiry
Company Response:
State: MA
Zip: 01605
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was displaced during Hurricane Ian and reached out to Discover for help as I lost my home, phone and computer so they shut off my automatic payments that I had in for 20 years straight and allowed me to skip two payments and when the next payment was due it was missed as the automatic payments were turned off ( by Discover ) and I was living in temporary housing so I did not get any mail to alert me that my payment was late and when I got back to into my home I was able to log into my account to see that another payment was missed which they never contacted me about and I immediately went back online to set up automatic payments and they refuse to remove the negative late payments off my account when I was living in a declared disaster area and didnt have normal access to manage my accounts and called them looking for help and now my credit score has dropped XXXX points by just being late on 2 payments but I was never late for over 20 years straight!
Company Response:
State: FL
Zip: 33914
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/XXXX and On XX/XX/XXXX I mailed a certified affidavit to Discover Bank and XXXX XXXX XXXX stating that I did not authorize or give consent for their company to share my personal information with any third party and that is identity theft. The company has failed to respond and the items is still on my consumer report.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: i provided all the proper documents and proof of my statements from XXXX, XXXX, and XX/XX/2023 - from XXXX XXXX to Discover card by fax, including the latest on XX/XX/2023. Please review the fax from XX/XX/2023. The numbers are there, and they are correct. I just need someone to actually look at the documents, as {$100.00} was the initial deposit on XX/XX/2023 and then {$1.00} added on XX/XX/2023. Please see attached. Please allow me to use my account.
Company Response:
State: PA
Zip: 19403
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: i provided all the proper documents and proof of my statements from XXXX, XXXX, and XX/XX/2023 - from XXXX Bank to Discover card by fax, including the latest on XX/XX/2023. Please review the fax from XX/XX/2023. The numbers are there, and they are correct. I just need someone to actually look at the documents, as {$100.00} was the initial deposit on XX/XX/2023 and then {$1.00} added on XX/XX/2023. Please see attached. Please allow me to use my account # XXXX XXXX XXXX XXXX. My SSN is XXXX XXXX discover card number XXXX XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Company Response:
State: PA
Zip: 19403
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Credit report is showing an account that the company and myself do not recognize. I have called discover and they have stated there is nothing they can do as the account does not show on their end under my social. Account shows it was last paid XX/XX/2020 with a balance of {$3000.00}.
Company Response:
State: TX
Zip: 763XX
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A