Date Received: 2023-04-13
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Hello- I'm a co-signer on my Son 's Student loan. In the recent past, i received an email from Discover Student loan department that my son was not paying up. I did remind my son to pay the outstanding which he did. The account has been normalized. I called in Discover on XX/XX/ to check the health status of the account and they did confirm that the account is in order. I logged into the student portal to gather more information about the loan such as an amortization statement as the he has about {$53000.00} in loan for a fixed term of 15 years. However, the Discover Student portal has no information whatsoever about the amortization statement relating the the forecast of the loan spread over 15 year period. There is no clear break up of interest versus principal. I spoke to two representatives today. The first rep put me on a long hold and disconnected the call. The second representative was more forthcoming and confirmed that there is no such statement such as amortization for student loan and he put me on hold. The second representative latter disconnected the call. I would request CFPB to hold the financial institutions to be responsible for not being transparent in the student loan arena. As such we have burgeoning student loans across the country. To top it financial institutions are not being transparent in their code. Enforcement of such rules and regulations will make student loan more transparent. Appreciate it. regards XXXX
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: As per regulation of the Consumer Financial Protection Bureau, I am writing to inform you of a missing payment billing error on my Discover Card Account. On Tuesday, XX/XX/2023 a payment of {$100.00} from my XXXX XXXX Account, was made to my Discover Card account, but this payment has not been reflected on my statement. I have reviewed my records and confirmed several times with my banking institution, XXXX XXXX, that this payment was withdrawn and posted on my account at XXXX XXXX, XX/XX/2023. A Dispute was opened on my behalf by a Discover Representative on XX/XX/2023 to look into the matter further. To which I was asked to further provide documentation, which included statements and an electronic transmittal form to prove the payment was made. Upon several one-on-one conversations with XXXX XXXX and three-way-calls between Discover Card Representatives and XXXX XXXX Representatives, it was made clear that XXXX XXXX does not have such protocol of an electronic transmittal form. Regardless, in the interest of the dispute, XXXX XXXX has provided several Official Statements, verbal confirmation confirming the transaction to Discover Card Representatives, and Secured Email documentation from supervisors proving the transaction occurred including a trace number. I have also provided proof of the {$100.00} transaction in the forms of Electronic Statements from my XXXX account dashboard, letters I received from XXXX XXXX, and proof of the Secure Email from the XXXX XXXX Supervisor. All these attempts have come to no avail, as Discover Card Dispute team closed my case on Friday, XX/XX/2023 stating the following : We have completed our investigation into this payment dispute and have found that the payment was processed as expected or no error occurred. You can expect to receive information on this decision to be sent to you via mail or secure message at Discover.com. Please review this information when it arrives for important details summarizing this dispute inquiry. Please notify us as soon as possible if you wish to continue this dispute Despite providing all the proof of transaction possible, Discover Card is wrongfully withholding proof of this payment from my statement. The {$100.00} payment was done manually via the Discover Card Account portal, on Tuesday, XX/XX/2023 and withdrawn from my XXXX XXXX Account Tuesday, XX/XX/2023. XXXX XXXX has confirmed several times that this payment was withdrawn from my account, and has proven via statement, verbal confirmation, and official letters that the money was in fact sent to Discover. Discover is continually asking me to retrieve documents known as an " electronic transmittal form ... which is out my control and ability to attain, as I've been told several times XXXX XXXX does not have this protocol. I've made several attempts to provide them with all other sustainable forms of proof I can possibly send them, and they continue to be of no assistance. All in all, money was withdrawn from my account by Discover, and that is reflected on my XXXX XXXX Account. It is now up to Discover to do the right thing and to uphold my Consumer Rights and reflect that payment on my statement as well. They have the money in their possession, it is now needing to be reflected on my credit card statement.
Company Response:
State: CT
Zip: 069XX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I disputed discover bank online with XXXX for amount of XXXX it came back verified I called XXXX again ask them again to to dispute information thoroughly because I talked to discover bank they told me that the debt is owned by someone else and being that that card was a secured card with limit of XXXX dollars it was taken for that deposit so I dont owe XXXX under code 15 usc 1681 ( 2 ) inaccurate information I would like for it to be deleted immediately please
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I applied for an unsecured credit card with Discover in XXXX of XXXX that they advertise that if you make your payments on time for 6 months you will receive your deposit back with a possible increase of a credit line. I have made my payments on time ( sometimes 2 and 3 times a month ) for about 16 months and have not received my deposit back. I called XXXX on Monday XX/XX/XXXX and was transferred to a supervisor. I spoke with him and told him the situation and I ask why I haven't received my deposit back when I had made all my payments on time for 16 months. He said he would send a request for information and to call XXXX in XXXX hours and I would be told what is going on with my account. I called today XX/XX/XXXX well over the 48 hour mark and I spoke with a supervisor named " XXXX ''. She said they are unable to tell me why this is happening to my account and that the previous supervisor did not put a request in and she could be of no help to me. I then called the cooperate office for Discover at XXXX and I was told again there was nothing they can do to check my account to see why this is happening and why the system review is not working for my account they they have no back up reviewing system in place if this is happening to their customers. I believe this is false advertising and I have done everything I needed to do in order to get my security deposit back and the system is not working. I am attaching a copy of my transaction history for the account to show that the payments were made on time well over the 6 month limit. My payment amount is usually {$20.00} a month unless the balance is less as you can see I also have made more then the monthly required payment. I have also paid my car loan on time or earlier. The site also mentions monthly reviews, it doesn't mention if those reviews are completed my AI technology or human. As far as my credit score it has not dropped since I started using the card so I don't think this would be a factor either.
Company Response:
State: MO
Zip: 63301
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Discover Bank {$2500.00} Fraud Account does not belong to me XXXX XXXX XXXX {$4400.00} Fraud Account does not belong to me XXXX XXXX XXXX XXXX {$21000.00} Fraud Account does not belong to me XXXX XXXX XXXX XXXX {$13000.00} Fraud Account does not belong to me XXXX XXXX {$1600.00} Fraud Account does not belong to me XXXX XXXX XXXX {$12000.00} Fraud Account does not belong to me
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Account with Discover account number XXXX was previously removed from my credit report as a result of FTC identity theft report number XXXX. The original account has been re-inserted into my credit report now as a different account number which is XXXX. Per the FCRA, the Credit Reporting Agencies are required to verify police reports and fraud affidavits for accuracy. As a result of prior identity theft reports, this account was deleted and blocked as a result of fraud. When the CRA delete and block an item as a result of fraud reference FCRA 615 - U.S.C. 1681m ( f ) ( 1 ) -Prohibition on sale or transfer of debt caused by identity theft. 1. In general - no person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 605B has resulted from identity theft.
Company Response:
State: NC
Zip: 28786
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: This is my 2nd attempt to remedy these violations. See attached for my followup correspondence.
Company Response:
State: CA
Zip: 90015
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
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 a purpose.
Company Response:
State: TN
Zip: 379XX
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act Discover, XXXX, and XXXX XXXX have violated my rights. I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Discover ( acct ending XXXX ), XXXX ( Account # XXXX ), XXXX XXXX< have reported as having a late payment my credit report I am demanding that this account be updated to Paid as Agreed and Never Late. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these mentioned derogatory items be investigated and permanently removed from my report. I'm asking you to investigate these errors and remove any information that can not be verified.
Company Response:
State: TN
Zip: 38401
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A credit card was fraudulently applied for in my name as a minor and has negatively affected my credit please have that item removed from my report
Company Response:
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A