Date Received: 2023-03-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with fair credit Reporting act XXXX Account # XXXX has violated my rights 15 USC 1681 Section 602 State I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consume reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: WI
Zip: 53218
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
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 am writing to you today to express my concerns regarding fraudulently furnished late payments that have been added to my credit report by your company. I have reason to believe that I am being extorted by your company, which is a serious violation of my right to privacy. As you may be aware, Congress has mandated that all financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The addition of these fraudulent late payments to my credit report has caused substantial harm and inconvenience to my financial reputation due to fraud, which undermines public confidence in the banking system. According to 15 U.S. Code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Additionally, I should have received a negative information notice no later than 15 days after the alleged debt was validated with me as the consumer. If your company can not provide proof that they lawfully validated this alleged debt with me before furnishing it on my consumer report, then it is my belief that this has been a fraudulently furnished late payment with forethought and malice intended to cause me harm. Please be advised that under 15 U.S. Code 6821, any false, fictitious, or fraudulent statement or representation to a customer of a financial institution is a violation of federal law and will be held liable under 15 U.S. Code 6823 ( a ), with fines up to {$500000.00} for a felony by an organization, imprisonment for five years, or both pursuant to 15 U.S. Code 6823 ( a ). I demand that these late payments be updated to PAID AS AGREED and that each late payment be deleted from my credit report immediately to prevent further harm to my financial reputation. I will consider any non-reasonable response as frivolous and will file a fault judgment in the favor of the interest of me, the consumer, the holder in due course, the attorney, and the administrator in fact. I am giving you 15 days from the date of delivery to respond to this notice. Failure to disclose requested documents SUCH AS all documents, papers, correspondence, books of account, and financial and corporate records. or provide a response to rectify any faults by Discover will serve as acquiescence and your agreement to a default judgment against your company for the dishonor in the negotiable instrument, bank fraud, creation of the false and deceptive form, mishandling of goods, compromising my relationship with other financial institutions, and including stress caused to me in the attempt of exercising my rights in good faith. I expect you to handle this matter with ordinary care and address all subject matter. I thank you in advance for your anticipated quick cooperation on this important matter. Account XXXX : XXXX XXXX XXXX
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2023 I applied for a Discover card through their website directly. My XXXX credit score on that date was XXXX Immediately after applying, I was asked to call an XXXX number. After calling the customer service number provided I was told that I would be receiving an email for a tax return release so that Discover can verify my identity. Discover received my tax returns from the IRS, including dependent social security numbers and information. After several weeks, I reached out to Discover to inquire about my application status. They now wanted pictures of my ID and social security card. About four weeks after my initial application, I receive a denial letter stating that Discover is unable to verify my application! This is absolutely ridiculous after they collected so much personal identifying information. I am requesting that Discover remove the hard inquiry from my XXXX credit report and permanently delete all personal information on file that they collected from me during the application process. As a California resident, I am entitled to request such. Lastly, Discover has no business collecting names and social security numbers of children and dependents on tax returns.
Company Response:
State: CA
Zip: 93306
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/, I mailed request to Discover Bank, to send me the disclosure pursuant to FCRA 6802 -see below : that was never given me any of the disclosure at the beginning of doing business nor didn't gave the the instruction to allow me opt out - nothing outlined in the term & condition that gave option for me to exercise my rights to opt out. I want to opt out from them sharing my personal information to any 3rd parties, including consumer reporting agencies. And at this time i haven't heard from them. Per FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b Opt Out In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless A such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party B the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party and C the consumer is given an explanation of how the consumer can exercise that nondisclosure Option Nothing of the above has been met from Discover Bank
Company Response:
State: SC
Zip: 29340
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
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 called Discover to report my card lost. I told a representative from Discover to review a summary of charges before they send me new one. After reviewing an unauthorized charge for {$4200.00} was made to my account on XX/XX/XXXX. Days after it was lost which was XX/XX/XXXX. Discover initially removed the fraud charge of {$4200.00} from my account and sent me a new card. Over 2 months later I received a letter from discover with a request to called them. I immediately called in on XX/XX/XXXX to speak with a representative from Discover to answer questions about the charge. A week later they added the fraudulent charge of {$4200.00} back to my account on XXXX XXXX which is my birthday. My birthday was pretty much ruined by this. You would think they would side with the customer in this situation with charges uncharacteristic with my normal spending patterns. In situations like this the big banks can be unsupportive to the customer. Smaller credit unions are the way to go when it comes to support. Credit unions like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are usually accommodating to the customer. The big banks are a mafia.
Company Response:
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: The bank is not providing the minimum number of days grace period from date statement is received and from when it is due. 21 days is understood to be minimum. Average minimum Im given is 10 days. For XX/XX/2023 the bill is due XX/XX/XXXX. XXXX was received today XX/XX/XXXX. This is not legal and discover has been contacted and has done nothing to resolve this.
Company Response:
State: NY
Zip: 14304
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/1970 XXXX Credit Bureaus : XXXX, XXXX, XXXX To whom it may concern : 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 an 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 for late for any purpose. I am reporting this collection as an " Open Account '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 94585
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
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: I am highly disappointed in Discover and my mental health has deteriorated severely, including my emotional distress. I have spent over 5 hours on the phone with Discover customer service. I have been connected with the account manager, XXXX ( Discover Supervisor for the Fraud Department ) and XXXX ( Discover supervisor for Customer Service ). They falsely claim that I got my money refunded to my bank account. It has been over a month since I did not get this refund. I have several fraud charges that I have reported to the police and have provided the report to Discover in addition to my airfare tickets proving I was NOT IN THE COUNTRY. I have reported them to the CFPB and they stated that I would be refunded the charges and I still have not. The customer service is a one-star service at best as you are put on hold and then they don't help but just cut the phone. I currently am in a very financially stressful position as Discover has hogged all my funds their policy states that there is a {$0.00} fraud liability and even after providing all the possible documentation they still claim that it is fraud. Please explain to me how my card was swiped in XXXX when I was in XXXX.
Company Response:
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
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: Dear CFPB, This is now my second complaint against Discover Card Services as your organization failed to fix the issue in my first complaint. Since complaining about this, Discover is now lashing out and participating in discriminatory and illegal practices by falsely stating to Credit Reporting agencies that I am passed due when that is far from the truth. I paid on XXXX XXXX and Discover decided to charge my card without permission on XXXX 2 days later once again for USD XXXX. However, reported to Credit Reporting agencies that I was delinquent and past due on XXXX This is extremely infuriating and ILLEGAL. This dropped my credit score from a XXXX to a XXXX. Secondly, to follow-up on my first complaint, it was never resolved. Discover is illegally charging me for services I did not receive in the amount of USD XXXX. This is what this whole dispute is about they are using illegal abusive practices trying to force me into paying for services that I never received and are now falsely reporting my account as delinquent attempting to have me pay for services that I did not receive. This is a scandal. I have wrote to many government agencies about this, and all involved in this corruption will be revealed. Discover also admitted knowing that the merchant is participating in fraud but there is nothing they can do. So let me clearly write and spell this out, the United States of America, allows a foreign entity/merchant XXXX XXXX to lie to a U.S. federally insured institution about a U.S. consumer and faces no repercussions? Why is the CFPB refusing to investigate this issue? Why is it also not having the FTC and FDIC etc. investigating as well? The fact that the CFPB is aware from my first complaint and still allows Discover to operate, not fine it or investigate it is absolute insanity. This shows the CFPB 's failure, ineptitude and negligence as an organization. This needs to be resolved ASAP and I would like an actual call from the CFPB not a generic automation email. I am sure I am not the only consumer affected by Discover 's illegal predatory practices.
Company Response:
State: IN
Zip: 46360
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are 3 accounts that are fraudulent I filled an ftc report and are still reflecting on my credit report. Discover bank. XXXX. And loan me. Also 2 late payments. I was never late for those accounts. XXXX. XXXX
Company Response:
State: CA
Zip: 91706
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A