Date Received: 2023-04-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I called Discover to get a debt settled, the statue of limitation had already passed for this debt so I was not obligated to pay this debt per Discover because they can't sue me for the debt. I called Discover because I received a 1099C for debt forgiveness which I had to file with my XXXX taxes for the year ending XXXX. I called Discover to ask them about credit reporting and was told that debt will reflect charged off until it has fallen off. I then asked why if they had forgiven the debt and reported this as a loss for their tax year, why is it still reported as charged off with a balance. I told that if I needed to have my credit report updated I would need to pay on the account. I offered to pay {$300.00} and they refused and countered at {$1000.00}. I went as far and told them I would settled the acct for {$500.00} just so I can have my credit report updated as settled, they refused my offer and told me lowest they could settle for was {$970.00} at {$100.00} per month. I then called them back and asked them why they are refusing to take what I offered as a settlement if I am not obligated to pay due to statue of limitations. I also asked them if they were going to revise the 1099c form that they sent me for {$3200.00} being that they are telling me I have to pay {$970.00} to get my debt settled and have my credit updated. This is unfair debt collections practice because how is Discover refusing what I can settle for even though I got a 1099c for the debt and had to pay taxes on it and they wont update my credit report reflecting that debt was forgiven.
Company Response:
State: NY
Zip: 11552
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: 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 is refusing to resolve a transaction dispute in my favor, despite me providing evidence of theft and fraud committed by the merchant. XXXX sold me a defective garage door opener. Then they sent an incompetent contractor to install it, who completely botched the installation and then stole my old garage door opener. I attempted to resolve this with the merchant, XXXX customer relations, for weeks before eventually contacting my credit card company as a last resort and filing a dispute on this purchase that I made with my Discover credit card. XXXX then lied to my credit card company about what happened. Shockingly, Discover sided with the merchant on this dispute. Now I'm left with a non-functioning garage door opener, which I can not reasonably disassemble and return to their store. According to the notice I received from Discover on XX/XX/, the only documentation they used to base their decision on was XXXX 's refund policy, which unsurprisingly does not include any sections on fraud and theft committed by XXXX and their contractors. This was after I provided Discover with weeks of emails from XXXX acknowledging that they had sold me a defective product, that I am physically unable to return to them, and then refusing to fix the issue. This is fraud, and I am well within my rights and the law to have this charge reversed. If I don't get my {$310.00} back, everyone involved in this going to court.
Company Response:
State: FL
Zip: 32810
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I am writing to report a fraudulent wire transfer that occurred on my Discover online bank account. On XX/XX/2023, at XXXXXXXX XXXX, I received a call from an individual identified himself to be a Discover fraud prevention specialist. The caller ID displayed the Discover Bank number ( XXXX ), and I believed the caller was legitimately from Discover. The caller informed me that my account may have been compromised and offered to assist in stopping any fraudulent activity, including debit card transactions and wire transfer, if I could confirm that these activities were not authorized by me. In good faith, I provided the caller with the necessary information, including codes generated by Discover and a verification link to submit my ID. The fraudulent agent also cleverly tricked me to set up call forwarding on my phone without realizing what he had asked me to do. This was all done to stop the wire transfer and receive a new debit card overnight. However, after few hours when call ended suddenly, I discovered that {$210000.00} had been wired out of my account without my knowledge or consent. When I contacted Discover, they informed me that the wire transfer was completed over the phone and that there was no record of my speaking to Discover to stop the wire. I did not initiate or request an outgoing wire transfer from Discover. I am also concerned that no one noticed that the almost whole savings balance of my account, which I have held with Discover for about ten years, was going into a commercial account called XXXX XXXX XXXX in XXXX XXXX. It makes no sense, given that there is no history of any wire transfers from my personal savings account, and that the account is not a business account. It is imperative to inquire about the reason for such a large amount being transferred to that account with standard verification, as Discover rushed to send the money out. After discovering the fraudulent wire transfer, Discover Bank informed me that they would stop the transfer. However, I later found out that this was false information. I also spoke to investigation team to closed my accounts and opened new ones and informed me that they would initiate a recall of the wire within a few hours of the transfer. That night, I called XXXX times to urge Discover to show urgency in stopping the funds from leaving XXXX and suggested that they should immediately contact XXXX as well. Despite my concerns, I was reassured that Discover had an excellent investigation team and that they would work on the issue. On the night of the incident, I tried to contact XXXX XXXX to prevent the funds from leaving the beneficiary account, but unfortunately, I did not have the necessary information to do so, such as the beneficiary account number and business name. As a result, I had to wait until the following day to obtain this information from Discover Bank. On XX/XX/XXXX, at XXXX XXXX, I contacted Discover Bank to acquire the wire transfer information and subsequently visited a local XXXX XXXX branch in XXXX. During my conversation with the manager, I was informed that they were unable to flag or freeze anyone 's funds, and that my best course of action was to contact Discover Bank to rectify the issue. After receiving no assistance from XXXX, I proceeded to file a police report at the XXXX XXXX located at XXXX XXXX XXXX. on XX/XX/XXXX and was given XXXX Report XXXX. XXXX. I was also informed that the police do not get involved with cybercrimes and that the best option would be working with Discover to return my funds. Additionally, on XX/XX/XXXX, I filed a cybercrime report at ic3.gov, but have not received any updates since then. Despite numerous calls made to Discover Bank between XX/XX/XXXX and XX/XX/XXXX, I was informed that there were no updates available and that the investigation was still ongoing. It was only on XX/XX/XXXX when a Discover representative finally contacted XXXX to inquire about the situation. After several hours of effort to reach XXXX department, it was revealed that the funds had been transferred out of XXXX on the same day, but the manner in which they were transferred remained unclear. Unfortunately, after discovering that the funds could not be recovered from XXXX, Discover made the decision that they could not return my funds, stating that it was a scam and not covered. However, I am questioning the urgency with which they sent out the wire and the lack of urgency to recover the funds. Despite being told that the issue will be escalated and I will be informed if their decision changes, they are currently unable to return my funds. I am hoping that you may be able to provide me with any assistance or resources that could help in this matter. I am open to any suggestions or guidance that you may have and I am willing to cooperate fully with any investigation. As a responsible individual, I have always been conscientious about managing my finances. However, a fraudulent wire transfer has caused immense distress to me and my family, and our lives have been turned upside down. The money that was stolen represented our life savings, which we had planned to use to purchase a house for our family in the near future. I am now reaching out for help from legal professionals, government agencies, the media, and the local DA Office to assist me in this matter. Your timely attention to this situation would be greatly appreciated, and I remain confident that we can resolve this issue as quickly as possible. Thank you for taking the time to read this letter, and I look forward to hearing from you soon. Regards,
Company Response:
State: NY
Zip: 11803
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: XXXX XXXX, XXXX {$5.00} XX/XX/2023 XXXX XXXX XXXX {$64.00} XX/XX/2023 DISCOVER BANK {$190.00} XX/XX/2023 XXXX XXXX XXXX XXXX {$1300.00} XX/XX/2023 To Whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( ie : an original consumer contract with my signature on it ) that you have on file for the account listed above. or a certification from the creditor that certified the accuracy and completeness of the information/account. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed
Company Response:
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have been a member of Discover since XXXX. I have done a great job of paying on time and most of the time in full. During the XXXX congressionally declared national emergency I was experiencing financial difficulty as like many others and I called Discover and let them know. I presumed they offered resolution under the CARES acts They enrolled me in a payment program that lowered my interest rate to around 17 %, this was the only option offered to me as a relief during the pandemic. On XX/XX/XXXX I paid off my entire balance plus interest upon finally getting larger sums of monies rendering me able. AT NO TIME did they disclose that I could be Revoked and have my credit impacted negatively in an extreme manner, I have suffered damages for their actions even after being square on payments and in good standing a year or more. The only thing Discover said is they would temporarily suspend spending ability until I finished paying the balance under these terms to receive help during pandemic. Since then they Revoked my account causing my credit to drop XXXX points. They did not inform me that the account would be revoked, closed of impact my credit negatively especially after I paid in full.
Company Response:
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
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 notified the company I have not received any text messages, letters or emails concerning any delinquency. They sent info to the wrong place. This was confirmed on one of my calls to Discover. I received a 30 days past due hit on my credit. Had I received proper notice from Discover via these platforms there would not have been any delinquency as I travel. In addition I was blocked from electronic payment for a period due to opening a second Discover account. I could not log in as it required both credit card numbers. I did not receive my 2nd card with the required info. I called Discover, they would not tell me the card number. I had to wait to receive the 2nd card in order to access the system.
Company Response:
State: TX
Zip: 78258
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This collection company has repeatedly called me for months nonstop which is very disturbing. According to 15 USC 1692c, 15 USC 1692d, and 15 USC 1692b Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number
Company Response:
State: PA
Zip: 19142
Submitted Via: Web
Date Sent: 2023-04-11
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: I have filed three credit disputes with XXXX for three different debts that are fraudulent, I was XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was XXXXXXXX XXXX XX/XX/XXXX, XXXX while XXXX three accounts were opened in my name, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and an account by discover bank, all three of these accounts are fraudulent. I was XXXX when these accounts where opened. XXXX XXXX was opened on XX/XX/XXXX, XXXX XXXX XXXX was opened on XX/XX/XXXX these two accounts where opened a year before I XXXX XXXX XXXX XXXX, I could not have opened these accounts while in XXXX. I don't have the authority to open accounts while XXXX, Discover credit card, incurred new charged while I XXXX, the charged on Discover credit was not authorized by me, because I was XXXX. I submitted documents showing my XXXX.
Company Response:
State: NY
Zip: 125XX
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: 2023-04-10
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: While checking my Discover credit card Activity, I noticed an Unauthorized Balance Transfer of {$500.00} Posted on XX/XX/2023 made as Miscellaneous. Which I did not authorized or consent to initiate the charged. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the make the balance Transfer Charge without permission. I request that your company either mail me a copy of my signed authorization form that gave you the right or Permission for this Miscellaneous Balance Transfer of {$500.00} that posted on XXXX.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Discover closed my account without notice. When I finally spoke to someone, I was told to send in verification from my bank and the consent form for the IRS. I sent the information to Discover four times. Discover kept saying they didn't receive my information. I provided everything that was needed. I spoke to several people. I have proof of submission every time I submitted these documents. This is not acceptable, and I would like something to be done about this situation. I've been paying my bill ; I'm not understanding why my credit card had been closed without notice.
Company Response:
State: MI
Zip: 48174
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A