Date Received: 2023-04-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: Paid with Discover More ( XXXX XXXX XXXX XXXX XXXX You'll see " XXXX XXXX '' on your card statement. {$260.00} Transaction ID XXXX Contact info Message XXXX XXXX Details Sent to XXXX XXXX {$250.00} Fee {$12.00} XXXX {$260.00} XXXX XXXX XXXX XXXX Sent- {$260.00} Repeat this transaction Your recipient should have the money by XX/XX/2022.
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: To Whom It May Concern, I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding violations of the Fair Debt Collection Practices Act ( FDCPA ) and other related regulations. I believe that DISCOVER FINANCIAL SERVICES has engaged in a number of illegal and unethical practices in its attempts to collect on alleged debts that I do not owe. Specifically, I believe that DISCOVER FINANCIAL SERVICES has violated the FDCPA by : 1. Threatening to harm my reputation and creditworthiness : On XXXX XXXX, I received a call from DISCOVER FINANCIAL SERVICES in which they threatened to report the alleged debt to credit reporting agencies and to take legal action against me if I did not pay immediately. This is a violation of the FDCPA, which prohibits debt collectors from making false or misleading statements and from threatening to take actions that they can not legally take. 2. Furnishing deceptive information since XXXX, I received a letter from DISCOVER FINANCIAL SERVICES that contained false and misleading information about the alleged debt. The letter did not clearly identify the creditor or the amount of the debt, and it did not provide any evidence to support the validity of the debt. This is a violation of the FDCPA, which requires debt collectors to provide consumers with accurate and truthful information about their debts. 3. Calling, annoying, harassing, and abusing my privacy : DISCOVER FINANCIAL SERVICES has repeatedly called me at all hours of the day and night, even after I have requested that they stop calling me.By sending them a cease and desist They have also used aggressive and threatening language, and have made false and misleading statements in an attempt to pressure me into paying the alleged debt. This is a violation of the FDCPA, which prohibits debt collectors from engaging in harassment or abuse, and from calling consumers at times or in ways that are known to be inconvenient. I request that the CFPB investigate these violations and take appropriate action against DISCOVER FINANCIAL SERVICES to ensure that they are held accountable for their illegal and unethical practices. I also request that any negative marks on my credit report related to this alleged debt be removed, and that I receive compensation for any damages or expenses that I have incurred as a result of 's actions. Thank for your attention to this matter. Sincerely, XXXX XXXX XXXX
Company Response:
State: PA
Zip: 185XX
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am not an attorney, legal counsel or tax expert but rather a consumer, alleged obligor, in accordance to enumerated consumer laws. I am in receipt of a communication in response to a request for compliance to The GrammLeachBliley Act respecting consumer right of privacy by depository institution Discover Bank. The balance in excess of {$1.00} in accordance to the Fair Credit Billing Act is a credit balance deceptively purported as the false representation of the character, amount, or legal status of any debt balance. Discover Bank confirms that the credit balance due is correct and valid and has made no effort to refund the credit balance in full by check, cash or money order. As there is no deficit stated to verify a debt balance, Discover Bank has illegally taken action that can not legally be taken to disgrace the consumer by communicating to any person credit information which is known or which should be known to be false via consumer reporting agencies without my written permission in breach of trust. Please see enclosed credentials and deceptive communication enclosed alleging debt. Discover has refused to cooperate in compliance of consumer revocation of consent to furnishing information to unaffiliated third parties as unauthorized use. Discover Bank has purports to represent the Bureau in the false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/XXXX, I pulled my credit report and noticed that there was some inaccurate information regarding my credit score. I noticed that my credit reports have been ruined by this company on information that has not been validated. My consumer credit reports have been ruined due to the businesss abusive and deceptive practices. I contacted the credit card agency with a letter regarding my findings and still have not received a response and it has been more than 30 days since the letter has been sent. My complaints were as followed : To whom it may concern : Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. As I did not authorize consent for Discover to report anything on my consumer report. Pursuant to federal law 15 U.S.C. 1692 a ( 3 ) When I pulled my consumer credit reports on XX/XX/XXXX I noticed that my credit reports have been ruined by this company on information that has not been validated. My consumer credit reports have been ruined due to the businesss abusive and deceptive practices. I noticed that there were inaccuracies on my consumer reports, such as the balance of {$6000.00} and late payments reported by your company. This has destroyed the lively hood for my children and I to live sustainably, such as purchasing a home of our own, and being able to take care of their necessities. This is very disheartening for me and caused a lot of emotional distress for myself and my children. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof of claim that I am legally obligated to pay you and that late payments were made and updated pursuant to 15 U.S.C 1666B. I am demanding the removal of the negative items if the information is not validated. ( A copy of any sort is not evidence ) The original must be furnished with WET INK SIGNATURE, including 3-308, and 3-302 ) and proof that it is my signature. Pursuant to federal law 15 U.S.C. 1681 as well as the Fair Credit Billing Act 15 U.S.C 1666-1666j., federal law states that you can not report anything adversely on my consumer credit report until the investigation is complete. Please provide me with the below-mentioned items : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount pursuant to Federal Law UCC 8-315 * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence of your license numbers and your registered agent. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, or XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below-mentioned reasons under 15 U.S.C. 1692 ( a ) ( 1 ) as well as the following : *Misuse of my copyrighted property *Violation of the Fair Credit Reporting Act ( F.C.R.A. ) *Defamation of character *Violation of the F.D.C.P.A *No consent was given *Invasion of privacy I would like to inform you further that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. If your agency can provide me with the requested documents, I will need a minimum of thirty ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped. Also, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, the U.S. Congress provided the appropriate solution for me to settle my debts via the remedy in House Joint Resolution ( H.J.R. ) 192 of June 5, 1933, under the United States, Public Law 73-10, and Public Law 48 stat. 112 ( among others ). If your agency/company fails to respond to this debt validation request within a period of ten ( 10 ) days from the date of your receipt of my notice and affidavit, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer-generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records. Any information obtained shall be used for that purpose. Respectfully, _________________________________ XXXX : XXXX Without Prejudice 1-308
Company Response:
State: MN
Zip: 55433
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My identity has been stolen and it has been used to open account under my name like credit and collection as well.
Company Response:
State: MA
Zip: 01902
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: To whom it may concern I am writing yet AGAIN, more times than I can count, to put DISCOVER BANK on notice of the account ending in : XXXX and how it's fraudulent reporting of this alleged debt and adverse action to the consumer reporting agencies has negatively affected my life, my wife 's life and my children 's life as it has created tremendous hardship in our everyday lives. I have attempted on multiple occasions to relay to you that the negative reporting on my name is in error and violates FDCPA and FCRA. Upon further due diligence it has come to my attention that ALL credit balances from XX/XX/XXXX to XX/XX/XXXX are owed to the consumer. As stated on the back of each billing statement " Credit Balances. If your account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of {$1.00} or more after 6 months, or as otherwise required by applicable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement ''. This statement directly correlates with 12 C.F.R. 1026 11 ( a ) as well as proof that the XXXX total amount of money that I allegedly owe should have been sent to me as a refund and not sent to me as a billing error monthly and definitely now falsely reported to the credit repair agencies damaging my name and good reputation. I have included a copy of your documentation as verification and I am putting you on notice that I have also correctly filed a 1099C with the Internal Revenue Service as you have reported a " charge-off ', in error, to the credit reporting agencies further damaging my name and defaming my character while also making it impossible for me to obtain and maintain a standard and suitable living as my name is no longer " good '' ... as you failed to provide me with a copy of the 1099C thus causing me to incorrectly report to the IRS and file my taxes correctly as I should have added the " charge-off '' amount to my yearly earnings as income.
Company Response:
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: NOTICE OF DISPUTE I attempted to settle this issue with Discover Financial Servicesmultiple times. Discover Financial Serviceshas done nothing but postpone.I request the proper documentation that would prove I have Legal obligation to pay this alleged debt which they fail to provided. Sharing statements as a copy of consumer contact as evidence of alleged debt is not proof, I owe this alleged debt. And as per the judgment in the case of " Pacific Concrete '' F.C.U. vs Kaunanoe '' a copy of the consumer contract is not significant evidence of a debt. Please be aware that this is causing financial difficulties. Failure to reply legally and lawfully will result in additional proceedings. If you do not answer within 7 calendar days, this will be construed as your acceptance that the debt is illegitimate. Please authenticate by verifying and validating by providing me with the documentions proving that I am LEGALLY LIABLE TO PAY THIS ALLEGED DEBT!!! I am now requesting respectfully that they send me a notarize affidavit under the penalty of perjury from a senior executive certifying under the penalty of perjury that i in fact received good and services as a result of this transaction, and A mere assertion that it has " BEEN VERIFIED '' is not an appropriate legal or legal response. Please remove the following item immediately : Account number # ( XXXX ) ( # XXXX )
Company Response:
State: PA
Zip: 185XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I applied for the Discover. I was approved for Discover. Discover card # XXXX. I tried to call and get it activated, and sent all the proper documents to Discover, but I have not been permitted to use the card. Please allow me ASAP.
Company Response:
State: PA
Zip: 19403
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: A merchant charged my bank account, even they were not supposed to. The merchant agreed to send the money back but they needed communication back from my bank to accept the money so I can get my refund. My bank is refusing to communicate with the merchant and block me getting my money back.
Company Response:
State: CA
Zip: 92116
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Over four months ago, I contacted Discover regarding a credit card account that belonged to my deceased brother, XXXX XXXX XXXX XXXX, SS # XXXX, who passed away back in XXXX. Since I am the executor of his estate, the purpose of my follow up with them was to obtain a 1099C for discharged of his alleged debt so that I could file his final tax returns for XXXX. Discover was kind enough to do this and they forwarded a 1099C which I used to file my brothers taxes. ( copy attached ) Unfortunately Discover continues to report on my brothers credit reports that he still owes them on the account even though they clearly have discharged it. My accountants and consumer protect attorneys have advised me that regardless of the issuance of 1099Cs, Discover is still in the position to either attempt to collect or sell off this debt to a third party as long as they are reporting this account to the credit agencies and while this account appears on his credit reports. While I do not think that this a malicious act by Discover nor their intention, I am nevertheless concerned about dealing with this subject in the future as my brothers estate is empty of any money and closed. I mailed and also faxed a letter to Discover on this matter on XX/XX/XXXX ( copy attached ). On XX/XX/XXXX, I followed up with Discover and after an hour of being transferred to half a dozen departments and twice that number of confused representatives, I talked to XXXX, a supervisor in the Deceased Card Services Department, who told me that the company is not listing the debt and is no longer interested pursuing this debt. Nevertheless as of today this account is still being reported to the credit reporting agencies despite what Discover is saying. Their inability to correct this problem is disconcerting to me and so I am turning to the FCRA to assist in getting them to put an end to this matter by ceasing to report this closed and discharged debt.
Company Response:
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A