Date Received: 2023-03-19
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: I recently received a copy of my ( XXXX, XXXX and XXXX ) consumer report, and I noticed some late payments posted on my consumer report : Discover XXXX XXXX Proof enclosed that my late payment was refunded and it is your companies mistake please delete I talked to a consumer service receptive by the name of XXXX who assured me that this error would be corrected and removed from my credit over 60 days ago and it has not been done. Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) Making the report is not INCLUEDED on my Consumer report! A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s Discover # XXXX Proof enclosed that my late payment was refunded and it is your companies mistake please delete Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am making this complaint against Discover for violating federal law under 15 USC 1681 and 15 USC 1692. I have never given Discover any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I have never received the documentation i requested from this company. If Discover can not provide me with proof that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. As of XXXX XXXX XXXX I have not received any documentary evidence, such as a bilateral contract, giving Discover any right to collect on this alleged debt. I am legally refusing to pay this debt pursuant to 1692c ( c ). I have already sent a a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Discover can provide me with sufficient documentary evidence that I have any legal obligation to pay them and they still have been communicating with me and reporting to the consumer reporting agencies without my permission. Your prompt attention and response are both requested and required.
Company Response:
State: GA
Zip: 30106
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says I have the right to Privacy. 15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response:
State: FL
Zip: 33137
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2022, ( 6 ) unauthorized withdrawals were made from my Online Savings account with Discover Bank using XXXX. I received a phone call from a Discover Bank employee, after the 5th withdrawal asking me if I was aware of these transactions. I believe the phone was recorded. Immediately, I told the employee to freeze my account, it was a fraud. Discover Bank refunded a Provisional Credit of {$1800.00}, to cover the criminal actions. Then, Discover Bank reversed their decision and took the money out of the account without a reason. They sent the case to the Legal Dept. for investigation. I reported the loss to the XXXX Police XXXX in XXXX. Detective XXXX investigated the case for 2 months and made a recommendation to Discover Bank. Discover Bank still refused to honor the Detective 's investigation and does not give any explanation why it won't return my {$1800.00} Savings. So, I closed my account. I've been trying to hire an attorney who works on XXXX Fraud cases. People I've spoken to only work on XXXX cases over {$5000.00} in losses. So, I'm still searching for an attorney.
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
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: I was phished by the spammer, XXXX, when I knew that my flight from XXXX to XXXX was canceled by XXXX XXXX XXXX XXXX XXXX for " mechanic reasons '' one day before the flight date. I was in panic mode and googled XXXX costumer service. The phishing number from XXXX popped up on the top of the XXXX list. I called the number and " XXXX '' pretended that he is XXXX representative. He got my Discovery Card information and associated personal information over during the conversation and charged me {$3400.00} for " changing/rebooking '' my original XXXX flight tickets that were booked from XXXX. After the conversation with " XXXX '', I called XXXX with the number from my original ticket to complaining the " charge ''. XXXX representative told me that it should be free for changing the ticket for cancelling ticket due to the XXXX reason. Soon XXXX sent me the new e-tickets and showed it is free charge. Meanwhile, " XXXX '' sent me the email to ask me to reply with " agree '' to pay the charge. I refused. I traveled backed home two weeks later and found the charge on my Discover Card ( DC ). I called DC for disputing the charge for {$3400.00}. After several rounds of disputes with all evidences including the emails, my XXXX tickets, complaints from public domains for spammer ticketsupportdesk.com, XXXX service number and Business-class number that DC can call to confirm the free charges for rebooking the my tickets, etc. I provided to DC, DC still insisted that I should pay the charges.
Company Response:
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
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: I had a fraud case with a company called XXXX an e-commerce platform after I asked discover to block all transactions ( about a year ago ) Then i suddenly get a charge of $ XXXX {$5000.00} more than my credit limit. I reached out and they gave me a temporary credit and even issues a partial refund in the amount of XXXX, but then they came back and said it wasnt fraud ( even though I had no access to that website )
Company Response:
State: OH
Zip: 43214
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I am behind on my bill for Discover and I understand their needs for calling me but for the past week ( to XXXX ) I have been called, as of XX/XX/XXXX at XXXX no less than XXXX times. I feel as if I am being personally harassed.
Company Response:
State: NY
Zip: 13601
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
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: Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a potential violation of consumer protection laws by Discover Credit Card Bank on XXXX XXXXXXXX for {$82.00} and XXXX XXXX for {$710.00}. Specifically, I believe that Discover Credit Card Bank has engaged in practices that violate the Fair Credit Billing Act, as well as other relevant consumer protection laws. In particular, I have experienced difficulties in disputing charges on my Discover credit card account. Despite following the proper dispute procedures and providing evidence to support my claims, I have been repeatedly denied refunds for unauthorized or incorrect charges. Furthermore, I have noticed that Discover Credit Card Bank has failed to provide me with clear and accurate information about my account, including interest rates, fees, and other charges. This has made it difficult for me to manage my finances effectively and to understand the true cost of my credit card use. I am concerned that these practices by Discover Credit Card Bank are not only unfair and deceptive but also illegal. I am therefore requesting that the Consumer Financial Protection Bureau investigate these practices and take appropriate action to protect consumers from further harm. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 93535
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: DISCOVER BANK claimed to have completed a reasonable investigation with the furnisher of information and verified this account as reporting 100 % accurately. However, the account is still inaccurate and DISCOVER BANK is still continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. Recently, I received notice from XXXX that they had deleted a previous late payment for XX/XX/2022 that DISCOVER BANK reported for inaccuracy and it was re-inserted which is a violation. I am now requesting that DISCOVER BANK do the same and delete the remaining late payments for XX/XX/2022 and XX/XX/2022. Delete the reported late payments on accountDISCOVERBANK XXXXfor inaccuracy. The late payments for XX/XX/2022 and XX/XX/2022 are reported inaccurately and inconsistently on XXXX. I cant figure out how DISCOVER BANK verified these late payments when the only form of verification is the bank statement belonging to DISCOVER BANK. I need to see all original bank transactions and statements that belong to DISCOVER BANK that would prove my payments were not accepted on time or you need to remove these inaccurate and unverified late payments. Delete the late payments for inaccuracy. 15 U.S.C. 1681 section 602 A. states I have the right to privacy. 15 U.S.C. 1681 section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written consent. 15 U.S.C. 1681s-2 ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681c. ( a ) ( 5 ) Section which states no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1666 ( B ) states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 U.S.C 6802 ( a ) states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice. 15 USC 1692 ( c ) ( a ) states 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. 15 USC 1692 ( b ) ( 2 ) states Any debt collector communicating with any person other than the consumer shall not state that such consumer owes any debt. 15 U.S.C 6802 ( a ) ( b ) states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice to opt out. I have included a copy of my credit report highlighting the inaccuracies on the Discover Bank account, a Discover bank communication letter with violations, a list of laws you have violated, and XXXX investigation results showing that this information has been removed, and my original dispute letter showing the inaccuracies I request that you take similar action and delete this information on my report with your respective credit bureaus as soon as possible.
Company Response:
State: NV
Zip: 89141
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I originally initiated a fraud dispute with Discover Card Services on XX/XX/XXXX. I immediately provided information about all the fraudulent activities I could find on my Discover account, as well as letting them know about my banking services being hacked and also a police report was officially filed. However, a couple months after I reported the incident, the Fraud Investigation Dept concluded the investigation on XX/XX/XXXX and did not honor their policy. They still denied me protection from fraudulent charges despite Discover being known to boast about their fraud protection feature all over their ads. I immediately appealed their decision the next day on XX/XX/XXXX. I provided additional information such as reporting of closing out other accounts from XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, and also having to open a new account with another banking service ( XXXX XXXX XXXX XXXX ). During this reassertion period I also included my official police report regarding my victimization for identity theft and wire fraud. The 3 credit bureaus were also informed that I was impacted by identity theft and they placed a fraud alert on my account and froze my credit. I reached out to Discover on several attempts during the reassertion period asking if they have received my additional information and whether the investigator in charge of my case has reviewed it. Every single time I've asked, each live agent I spoke to mentioned that the investigator hasn't even started the review. It wasn't until XX/XX/XXXX, I spoke with XXXX from the Investigation Dept. who verified that my case still hasn't been reviewed yet but confirmed the Investigation team finally received my documentation. I requested a call back once the investigator in charge reviewed my documents but I never received a single call back over the phone. Instead, only five days later on XX/XX/XXXX I received a mailed letter from Discover, stating that there wasnt any additional information submitted by me and therefore the case was automatically thrown out and closed without consulting with me. This left me blindsided and vulnerable because their abrupt action to dismiss my appeal inevitably left me with no protection from fraud. The final letter I received went as follows : Dear XXXX XXXX Thank you for your recent inquiry regarding the disputed balance on the above referenced account. Based on our records, your dispute was previously investigated and resolved. Without additional information, we are unable to reinstate the investigation. Because of your continued dispute, we will report your replacement account as disputed to the credit reporting agencies. As of today, it has been more than five months since I originally reported the fraudulent activities toward my account. Throughout the entire process I have been staying on top of things with my case, but no matter how compliant and diligent I was with Discover 's requested information and documents, Discover Card 's Fraud Department dropped the ball and did not want to be held liable to honor the fraudulent charges to be true. The fraudulent charges that total up to {$710.00} on my Discover account aren't even a staggering amount compared to most. One of the most basic protection a card user needs when trying to make purchases or to build credit is to not having to worry about things like this. Discover ended up declaring that the official documents I provided from the official XXXX report, identity theft report, credit freeze, email from XXXX Cyber Crimes and all the fraudulent charges from my XXXXXXXX XXXX XXXX XXXX XXXXXXXX and countless of other services weren't sufficient enough evidence to support my appeal for honoring such basic Fraud Protection.
Company Response:
State: CA
Zip: 90068
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A