Date Received: 2023-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft, I have an FTC identity theft report. I recently discovered multiple credit cards that have been maxed out on my credit report that is a result of identity theft, and I am disputing them with the furnishers and credit bureaus to have them removed. I have also had police contact me in the past due to finding perpetrators with cards in my name in their possession, and they were able to call the furnishers and get those accounts removed. So my identifying information has been compromised for years now. I started a dispute with Discover and the 3 credit bureaus back in XXXX. I attached my SSN, ID, bank statement for proof of address, FCRA, FTC identity theft letter, and a letter stating why and what I was disputing. I was Disputing a discover account on my credit report because it is not mine and I did not open it. Discover has responded by sending me and the 3 credit bureaus credit card statements, the date opened, and my identifying information on the account in order to prove that it's mine and try and validate the debt. Discover sent these letters on XX/XX/XXXX and XX/XX/XXXX. I have since started a second investigation with Discover and the 3 credit bureaus. I advised Discover that an itemization of charges and my personal information does not validate this debt, but documentation bearing my signature is needed to validate the debt. Which Discover does not have, they continue to send account statements in order to validate the debt. They have nothing bearing my signature, and the account should be removed from my credit file immediately since they are unable to provide documentation with a wet signature proving the account is mine. My identifying information has been compromised for years now. I informed Discover and the credit bureaus that I will report this to the attorney general and CFPB if they continue to ignore my request for documentation bearing my signature. Additionally, the date opened, credit limit, high credit limit, and date last active listed are inconsistent across the three credit bureaus. I advised Discover and the 3 credit bureaus that since the account is reporting inconsistently, and they don't have documentation bearing my signature it should be removed. However, they continue to end the investigation in Discover 's favor, even though they have not validated the debt with documentation bearing my signature.
Company Response:
State: TX
Zip: 76227
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Under the laws of the FDCPA, I have contacted the ALLEGED CREDITORS myself and they have been unable to verify the information they are reporting to you ; they have not even verified that these are indeed my debts. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed.
Company Response:
State: FL
Zip: 33647
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: 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: Discover has inadequately handled my dispute and is making unreasonable requests. 1. Dispute # XXXX, {$140.00} On XX/XX/XXXX, I opened a dispute concerning an item I returned but did not receive a refund for. I provided the merchant 's return instructions and proof of delivery, including the XXXX return tracking number. Despite this, Discover closed my case when the merchant submitted evidence of refunds for other items in the same order, without contacting me for additional documentation. When I spoke with a Discover Customer Service supervisor on XX/XX/XXXX, I was informed that a return proof with the full address and a refund agreement from the merchant were required. My concerns are as follows : If the full address on the return proof is essential, why didn't the Discover Dispute Team contact me before closing my case? Additionally, given that I already submitted the merchant 's return instructions with tracking information, why is an additional return and refund agreement necessary? If I could obtain such an agreement, I would not have needed to open a dispute with Discover Bank. The supervisor simply stated that neither she nor Discover could help their client and suggested I seek alternative solutions. Rather than assisting me or questioning the merchant about the lack of refund after the timely return of the item, the supervisor exacerbated the situation. 2. Dispute # XXXX, {$49.00} I initiated this dispute due to an unrecognized charge, as the merchant charged me again for an item that I had returned and received a refund for. I provided proof of the in-person return drop-off confirmation. However, it seems that the Discover Dispute Case Manager did not thoroughly examine the documents I submitted and closed the case prematurely upon receiving irrelevant information from the merchant.
Company Response:
State: WA
Zip: 98029
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Account that is shown on consumer reports doesnt belong to me, and I have given no written instructions to furnish this information pursuant to 15usc 1681b ( 2 )
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: To whom it may concern : I applied for a Discover Secured Card XX/XX/. On XX/XX/ XXXX was debited from my account by Discover, for my security deposit for the card. XX/XX/ : I reached out to Discover Secured Card Service and closed my account and requested my security deposit of XXXX be returned. I was told my refund would be returned in 7-10 business days. I reached out to Discover somewhere in XXXX and was told that my deposit was being processed and my XXXX deposit would be returned after two billing cycles. Considering I never had a billing cycle, I am unsure how they were calculating a billing cycle. XX/XX/ : I reached out to Discover once again and was told that my refund had not been processed, the agent assured me she was submitting for it to be processed and I would receive it in 7-10 days. I would like to receive my deposit back as it has been 60 days. Discover debited my account in two days but I am getting the run around when it comes to getting my money back.
Company Response:
State: TX
Zip: 75093
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: DISCOVER BANK HOME LOANS, ACCOUNT NUMBER XXXX DISCOVER HOME LOANS, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX ON XX/XX/2023, I called to find out my balance. I made an over the phone payment of {$24000.00}, to XXXX XXXX, from my XXXX XXXX checking account, XXXX, bank transaction recorded XX/XX/2023, bank reference number XXXX. When I called the next day they told me that since that would have paid off my mortgage, they were rejecting the payment, and instead demanded " certified funds, '' even though that is the same checking account from which they withdrew, automatically, my monthly payments since loan origination. I was in a hurry to satisfy my loan, since my house was under contract for sale, and I wanted to escalate the closing process. I kept waiting for them to send my rejected payment back to my checking account, but no success. I took money from my Discover Savings account ( {$25000.00} ) and I went to my bank ( XXXX ) and immediately made a wire transfer of the stated amount due to close the account. I HAVE BEEN TRYING SINCE XX/XX/2023, TO GET MY " REJECTED PAYMENT '' RETURNED. I have spent hours on the phone and sent numerous emails, and keep getting a runaround. I WANT MY {$24000.00} RETUNED, BY WIRE TRANSFER, NOT BY CHECK, TO MY XXXX CHECKING ACCOUNT. I WANT THE 5 % INTEREST THEY WERE CHARGING ME FOR MY LOAN ADDED FROM XX/XX/2023, PLUS {$2000.00} PUNITIVE DAMAGES. I AM AT MY WITS ' END. I AM A XXXX YEAR OLD XXXX, AND THIS ENTIRE ORDEAL IS MORE THAN I CAN HANDLE. I HAVE SINCE MOVED OUT OF THE USA, SO I DO NOT WANT, AS I TOLKD THEM, A CHECK. WIRE TRANSFER ONLY! PLEASE HELP.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-19
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: as of XX/XX/XXXX i have noticed fraudelent accounts and inquiries on my credit report and consumer reports 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this 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 receipt. Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$3300.00} {$3300.00} {$3300.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$5900.00} {$0.00} {$3300.00} Credit Limit : {$6000.00} {$6000.00} {$0.00} Past Due : {$3300.00} {$3300.00} {$3300.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. Charged off account Credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Company Response:
State: NY
Zip: 11757
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I filed an FTC complaint # XXXX on XXXX. This is the verbiage : " Identity Theft. Person ( s ) opened over twenty checking and savings accounts across the country, in numerous states. They hacked our personal checking and savings accounts, made test deposits of less than a dollar, then proceeded to make withdrawals. '' I have successfully resolved closing all accounts, except for the five fraudulently opened Discover accounts below : XXXX XXXX XXXX XXXX I have contacted Discover numerous times in the past 2+ years. I have been assured they would be closed. I just received statements for XX/XX/XXXX thru XX/XX/XXXX. The total value is {$2.00}. The risk is more fraud. I request help getting Discover to delete these accounts. I can provide more documentation.
Company Response:
State: MI
Zip: 487XX
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Please also refer to attached documents that I have sent over countlessly to all three credit bureaus by verified mail and fax and the below credit card companies by fax. I have documentation of ALL of this, so they can not dispute any of it. In XXXX of XXXX, I went to try to purchase my first car by myself. Upon applying, I was told that I needed a cosigner because my credit score was not high enough. This greatly confused me since I had never missed any payment on anything and have a no debt outside of student loans. Therefore, I began to investigate and saw on my credit report several credit cards under my name, some with no balance and closed and others with balances totaling $ XXXX XXXX {$4000.00} in furniture from XXXX which was never paid by my parents and sent to collections. I called each card company and they told me that XXXX and XXXX XXXX, who are my parents, opened the cards and were making payments, but on the XXXX XXXX XXXX, XXXX, and Discover cards they STOPPED MAKING PAYMENTS. These accounts first started to be opened TWO MONTHS AFTER I TURNED XXXX XXXX XXXX!!!!!!!! I contacted XXXX XXXX first, since two accounts were under them, and they investigated and found that the accounts were fraud and were opened by my parents. The collections agency also did the same for the XXXX XXXX. However, XXXX XXXX XXXX, XXXX, Discover, and ALL THREE CREDIT BUREAUS are REFUSING to investigate or remove these accounts from my name and credit report after 3+ times submitting disputes, documentation, federal and police reports, etc. WHY CAN XXXX XXXX DO THEIR JOB BUT THE OTHER COMPANIES CAN'T? MY PARENTS WERE MAKING PAYMENTS ON THESE ACCOUNTS PER THE CREDIT CARD COMPANIES SO WHY CAN'T THEY SEE WHAT ACCOUNT WAS BEING USED TO PAY THESE????? ISN'T OBVIOUS THAT MY PARENTS WERE USING THEIR DEBIT ACCOUNT TO PAY OFF THESE CREDIT CARD STATEMENTS?????? WHY WILL THEY NOT INVESTIGATE THAT ESPECIALLY AFTER THEY TOLD ME THAT THEY CAN SEE THAT XXXX XXXX AND XXXX XXXX OPENED THE ACCOUNTS????? I AM TIRED OF GETTING THE RUNAROUND AND LIED TO. I AM A VICTIM OF IDENTITY FRAUD BY MY OWN PARENTS AND THEY ARE NOT TAKING THIS SERIOUSLY AND OKAY WITH THIS RUINING MY LIFE. PLEASE HELP ME. I EVEN PLACED CREDIT FREEZES THROUGH ALL THREE BUREAUS BECAUSE I WAS SCARED OF MY PARENTS DOING THIS MORE TO ME SINCE THE LAST INSTANCE OF THEM USING MY INFO FOR MONEY OR CREDIT WAS IN XXXX!!!!!!!!!!!! PLEASE HELP ME!!!!!! THIS IS DESTROYING MY LIFE!!!!!! I AM FULLY READY TO TAKE 100 % LEGAL ACTION AGAINST ALL PARTIES. XXXX XXXX XXXX ( XXXX ) Parents made and opened account from XX/XX/XXXX XX/XX/XXXX Opened by XXXX XXXX XXXX who is my father per agent ; Spoke to XXXX XXXX fraud agent ) on XX/XX/XXXX and he states my fathers number XXXX is the # associated with the account. Account was closed in XX/XX/XXXX per XXXX by someone, most likely one of my parents, so I called XXXX XXXX XXXX back. XXXX XXXX fraud agent flagged account as fraudulent on XX/XX/XXXX and stated he will let the credit bureaus know of account being fraud ; he also stated that he opened a dispute. " account officially closed XX/XX/XXXX and this was reported to bureaus and should be off credit by early XX/XX/XXXX! ( 45-65 days ) '' - this was stated per XXXX XXXX was never sent by mail contacted them on XX/XX/XXXX ; XXXX from Texas fraud agent also states that fraud dispute was never sent through and that she would have to open the dispute again today ; claim # XXXX ; asked agent NOT to send correspondence to the XXXX address that is on file per XXXX which is my parents address and information and not mine and she states she is putting this in the notes. Asked to speak to supervisor and XXXX hung up on me. Called back spoke to supervisor who guaranteed me that the information was sent to all three credit bureaus for this information to be removed as XXXX XXXX XXXX determined it was fraud, HOWEVER ALL THREE BUREAUS ARE CLAIMING THAT THEY NEVER RECEIVED THIS CORRESPONDENCE. Fax # : XXXX sent police report, FTC report, IRS report, and affidavit of fraud that was notarized to XXXX XXXX XXXX AND all three credit bureaus on this info on XX/XX/XXXX PLUS disputes for all three fraudulent accounts. On XX/XX/XXXX, I received mail from XXXX stating that they will not remove this information from my credit report and stated that they " verified the accounts belong to me '' but HOW DID THEY VERIFY THIS? BECAUSE THE INFORMATION IS WRONG AND MY PARENTS USED ALL OF MY PERSONAL INFORMATION TO OPEN THESE ACCOUNTS!!!!! I HAVE SENT IN NUMEROUS DOCUMENTS, SUBMITTED SEVERAL DISPUTES AND REPORTS BOTH BY MAIL AND BY PHONE AND THIS IS THE 3-4TH TIME I AM DISPUTING AND KEEP GETTING DENIED AND TOLD THAT THESE ACCOUNTS ARE MINE WHEN MY PARENTS OPENED THESE ACCOUNTS FRAUDULENTLY IN MY NAME STARTING AT AGE XXXX. I AM TIRED OF THESE CREDIT BUREAUS LYING AND FAILING TO DO THEIR JOB. XXXX XXXX XXXX ( XXXX ) Parents made and opened account from XX/XX/XXXX - XX/XX/XXXX Spoke to XXXX XXXX XXXX # XXXX ) at Chase on XX/XX/XXXX he opened a fraud dispute on the account and stated that investigation/resolution of the case could take 30-90 days. Follow-up placed XX/XX/XXXX was told that XXXX will contact regarding update on the investigation Contact # XXXX XXXX XX/XX/XXXX stated the account was valid??? so 2nd dispute put in and I sent affidavit, FTC, IRS and police reports by fax Fax # : XXXX affidavit and reports faxed XX/XX/XXXX XXXX direct line to fraud dept ; XX/XX/XXXX stated 4-7 business days for review Mailing address : Attention correspondence department chase card services ; XXXX XXXX XXXX XXXX, DE XXXX Agent states that this account was opened by XXXX XXXX XXXX who is my father ; account also had parents phone numbers on it and their information, only had my name, DOB and social security number associated with it, everything else was their information XXXX ( fraud supervisor ) spoke to me on XX/XX/XXXX ; she spoke to and transferred me to collections ; XXXX XXXX collections XXXX XXXX XXXX ) ; XXXX also logged my complaint and asked for XXXX to contact me directly. XXXX never contacted me and then gave me a nonworking number to contact her by. I contacted her again and she failed to log my dispute. Contacted several times on XX/XX/XXXX and XX/XX/XXXX call was not returned until XX/XX/XXXX and voicemail left. Was told I needed to prove that the Discover account was disputed and would need to send them this documentation in order for them to investigate this account. call back # XXXX - I HAVE NEVER HEARD OF THIS IN MY LIFE. Account Charged off remaining balance {$5400.00} Discover ( XXXX ) Parents made and opened account from XXXX Opened by XXXX XXXX XXXX XXXX who is my father, per agent that I spoke to XXXX Spoke to XXXX at Discover XXXX XX/XX/XXXX account marked by her as fraudulent and stated to contact credit bureaus to dispute Spoke with XXXX at Discover again on XX/XX/XXXX regarding dispute update since she was supposed to call me back and never did ; she told me to contact Charge Off Fraud Department at XXXX XXXX XXXX ) Contacted again XX/XX/XXXX Charge off Department and spoke to XXXX ; dispute opened by this person per his report ; investigations can take up to 90 days per XXXX ; I NEVER HEARD BACK FROM THIS COMPANY AND THEY REFUSE TO PROPERLY INVESTIGATE THIS ACCOUNT. fax # : XXXX and affidavit + reports sent Closed/charged off XXXX XXXX Journey ( XXXX ) ( DISPUTED ) Opened XX/XX/XXXX Disputed and determined to be FRAUD per paper correspondence and was removed from credit history per XXXX XXXX document on XX/XX/XXXX Opened by XXXX XXXX XXXX XXXX XXXX XXXX agent that I spoke with on the phone Closed/Charged off 2nd step police report filed XX/XX/XXXX with Allegheny County Police Fraud Team Made report on XX/XX/XXXX @ XXXX XXXX Police report # XXXX XXXX XXXX police covering To obtain copy of report XXXX Directed to contact credit bureaus Copy of police report obtained XX/XX/XXXX Detective XXXX XXXX on the XXXX XXXX ; XXXX ( e-mail ) 3rd step CREDIT BUREAU DISPUTES XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ; contacted XX/XX/XXXX @ XXXX XXXX o Spoke with XXXX o She noted down that the security questions were all parents info parent name, address, phone number o Letter being sent to me by XXXX to set up a pin and a credit freeze was placed o Told to contact other credit bureaus and let them know o Told will be contacted in 3 business days by fraud department o Credit freeze in place XXXX XXXX ( XXXX XXXX XXXX ; contacted XX/XX/XXXX @ XXXX XXXX o Spoke to XXXX o Fraud alert added by XXXX XXXX Accounts in my name XXXX XXXX XXXX, Discover XXXX XXXX XXXX disputes were filed by XXXX on my behalf XXXX confirmation for the disputes filed o They will let XXXX and XXXX know about fraud alert o Sending me a report with everything! will be sent to me in 3 days Mailed back request to dispute fraudulent accounts; waiting to hear back as of XX/XX/XXXX heard back and told to contact individual card companies o Credit freeze placed
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I opened a brand-new credit card and made two payments of {$50.00} before I even received a statement to have my account paid a month in advance. I made a payment of {$50.00} on XX/XX/23 and I made another payment of {$50.00} on XX/XX/23. So as of XX/XX/23 I had paid them {$100.00}. My first statement came out and wasn't due until XX/XX/23 which I owed {$77.00} which I paid on XX/XX/23. They did not apply my {$100.00} payments to the statement they applied it to their fees. So they are now telling me that I owe them {$76.00} for my XX/XX/23 statement. According to their own statements, I only owe them {$150.00} and paid them {$170.00}. I told them about this and they said they can't do anything with the {$100.00} I paid ( credit it to my XXXX statement ) because I paid them " too early '' in their billing cycle. They told me that I still owe them the {$76.00}. So now they are basically demanding that I pay them {$220.00} to get my account current. They say that it is due to their billing cycle and because I changed my due date as of XXXX. That should have no impact on my prior payments.
Company Response:
State: FL
Zip: 32309
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A