Date Received: 2023-03-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: DISCOVER acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX On XX/XX/XXXX I used an advertisement letter to open a credit card and I gave them my employer XXXX XXXX which was Not open when I called them after 6pm and they said wait a second to verify employment and a girl said " welcome to the family '' and she opened the acct up. My employer was never contacted and I have been on social security XXXX the entire time and since an illness in XX/XX/XXXX I was never in my RIGHT FRAME OF MIND as I spent credit limit by XX/XX/XXXX and DISCOVER has done everything to make sure I cant get out of debt, during stimulus deposits I PAID extra amounts and they swallowed it up in SERVICE FEES and every {$200.00} I paid I never had greater than {$25.00} over my limit in spite of this I got tired of paying extra and when I pay over {$97.00} minimum they give me {$44.00} and I am happy to pay {$55.00} a month in interest, then it went down to {$37.00} and this month XX/XX/XXXX they took {$73.00} in INTEREST and the acct is a negative {$48.00} for the FIRST TIME. They should have never iopened an acct w/o verifying my EMPLOYMENT and CREDIT in the first place
Company Response:
State: IN
Zip: 46227
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Discover bank continues to show I am past due on a charge off account. There are no payment no due dates and the account has been charged off and balance remains. I have tried to pay multiple times and discover has refused to accept money from me. The Date of first delinquency is past the statute of limitations. This account should not be on my bureaus.
Company Response:
State: TX
Zip: 78640
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 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 1681s-3 of the 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 or Experiences between the consumer ( me ) and the person ( you ) ( Discover Bank ) Making the report is NOT INCLUDED on my Consumer report!
Company Response:
State: IN
Zip: 468XX
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
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 was trying to buy a car and I noticed I had damages on my credit report. According to the 15 USC 1681 law, there shouldn't be any damages on my report. This is defamation of my character.
Company Response:
State: FL
Zip: 33463
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: Hello My name is XXXX XXXX XXXX, I am a victim of Identity Theft, I was part of the XXXX XXXX, My name, social, drivers license, emails, phone and 1 bank account was breached. I went to the Sheriffs Office and filed a report with a Detective. I will attach everything to this email. The XXXX XXXX Specialist has confirmed with me the breach and has deleted the fraudulent accounts. XXXX and XXXX XXXX are battling for me against Discover and XXXX XXXX Both companies come back as " verified '' even though I have proof I was a victim of identity fraud. These 3 accounts with XXXX listed below and 2 accounts with XXXX XXXX listed below are hurting myself ad my family to obtain credit and is causing a great hardship. These 2 accounts need to be deleted and stop being reported to XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). Discover Account XXXX XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). These three accounts are being reported too XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). Discover Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). Thank You XXXX XXXX XXXX
Company Response:
State: FL
Zip: 34957
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: Hello My name is XXXX XXXX XXXX, I am a victim of Identity Theft, I was part of the XXXX XXXX, My name, social, drivers license, emails, phone and 1 bank account was breached. I went to the Sheriffs Office and filed a report with a Detective. I will attach everything to this email. The XXXX Fraud Specialist has confirmed with me the breach and has deleted the fraudulent accounts. XXXX and XXXX XXXX are battling for me against Discover and XXXX XXXX Both companies come back as " verified '' even though I have proof I was a victim of identity fraud. These 3 accounts with XXXX listed below and 2 accounts with XXXX XXXX listed below are hurting myself ad my family to obtain credit and is causing a great hardship. T These 2 accounts need to be deleted and stop being reported to XXXX XXXX : XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). Discover Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). These three accounts are being reported too XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). Discover Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). Thank You XXXX XXXX XXXX
Company Response:
State: FL
Zip: 34957
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: Hello My name is XXXX XXXX XXXX, I am a victim of Identity Theft, I was part of the XXXX XXXX, My name, social, drivers license, emails, phone and XXXX bank account was breached, the XXXX XXXX XXXX also stated mail forwarding was in place to several abandoned buildings. I went to the XXXX XXXX and filed a report with a Detective. I will attach everything to this email. The XXXX XXXX XXXX has confirmed with me the breach and has deleted the fraudulent accounts. XXXX and XXXX XXXX are battling for me against Discover and XXXX XXXX Both companies come back as " verified '' even though I have proof I was a victim of identity fraud. The 3 accounts with XXXX listed below and 2 accounts with XXXX XXXX listed below are hurting myself ad my family to obtain credit and is causing a great hardship. These 2 accounts need to be deleted and stop being reported to XXXX XXXX : 1 ) XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). XXXX ) Discover Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). These three accounts are being reported too XXXX : 1 ) XXXX XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 2 ) XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 3 ) Discover Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). Thank You XXXX XXXX XXXX
Company Response:
State: FL
Zip: 34957
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: Hello My name is XXXX XXXX XXXX, I am a victim of Identity Theft, I was part of the XXXX Breach, My name, social, drivers license, emails, phone and 1 bank account was breached, the XXXX XXXX XXXX also stated mail forwarding was in place to several abandoned buildings. I went to the XXXX XXXX and filed a report with a Detective. I will attach everything to this email. The XXXX XXXX XXXX has confirmed with me the breach and has deleted the fraudulent accounts. XXXX and XXXX XXXX are battling for me against Discover and XXXX XXXX Both companies come back as " verified '' even though I have proof I was a victim of identity fraud. The 3 accounts with XXXX listed below and 2 accounts with XXXX XXXX listed below are hurting myself ad my family to obtain credit and is causing a great hardship. These 2 accounts need to be deleted and stop being reported to XXXX XXXX : 1 ) XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 2 ) Discover Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). These three accounts are being reported too Experian : 1 ) XXXX XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 2 ) XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 3 ) Discover Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). Thank You XXXX XXXX XXXX
Company Response:
State: FL
Zip: 34957
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: 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: This complaint is with the credit card ( Discover card ) I filed with the merchant ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to be on the waitlist for a concert ticket that would take place on XXXX XXXX XXXX The ticket order # is : XXXX and I was charged {$660.00} for merchandise ( in this case a ticket ) that was not received. It all started when I was interested in buying a ticket for the above concert. The tickets sold out quickly earlier that year in XXXX, so I decided to get on the waitlist to see if there is a chance for me to buy a ticket at a later date. Under the merchant 's sign up page for a waitlist ticket, it said that I needed to agree on their ticket and wristband policy where it states " All sales are final - no refunds or exchanges '' in which I needed to check mark the box for me to proceed. I did with my credit card on file with them. Several months go by until XXXX and no communication from the merchant ( I assumed I wasn't fortunate enough to buy a ticket ). On the day of the concert itself on XX/XX/XXXX, I happened to check my statement balance online and saw the charge from the merchant for {$660.00}. I quickly emailed XXXX XXXX XXXX about the charge and if I can get a refund because I wasn't notified that I will be charged for the ticket in such short notice ( I believe ticket will be mailed out XXXX weeks prior to the event day itself ) which I never received. XXXX XXXX XXXX responded and told me to email XXXX instead. I did the same day and asked once again if I can get a refund due to no previous communication from them whether through text, phone call, email, or mail. I didn't get anything at all so how am I supposed to know that I was getting a ticket and be charged for it... The next day on XXXX XXXX XXXX XXXX XXXX XXXX replied back saying per their ticket and wristband policy, they are unable to refund me my money back. So on that same day I reached out and talked to a dispute specialist from Discover card and asked if they can do a chargeback for the ticket on good/services not received from the merchant. They granted me a 30 day credit while they investigate the charge. Thirty days go by and I found out that due to the no refunds policy from the company, Discover card was unable to proceed with the chargeback. I was shocked and upset with this decision. I thought credit card companies would side with me for the screenshots and information I provided them with this dispute. After a couple weeks, I decided to once again file another chargeback with the merchant. And again, Discover card gave me another provisional credit while they investigate. Second time I lost the case again due to the same no refunds policy. I again emailed the merchant XXXX on XXXX XXXX XXXX and demanded my money back, but again they responded that due to their no refund policy, they are unable to provide me with a refund. I even pointed out to them in the email that I was charged a {$7.00} shipping fee and another {$10.00} for handling but they never mailed anything to me. When I asked about a tracking number for proof, I was never provided that at all. Lastly, I filed a third dispute case with Discover card because this is not right at all and I am entitled to a refund back. Another dispute specialist told me the same thing the others have been telling me and advised I file this complaint with the FTC and report the merchant. I did just that on the same day after speaking with the Discover card dispute specialist on XXXX XXXX. Since then, I have not heard back from the FTC. Here we are now on XXXX XXXX XXXX and I have to pay that amount by mid XXXX so I don't have to incur any interest payment. I have tried XXXX times to dispute the case with Discover card and each time they failed me. This is a ticket that was never mailed to me, an event I never went to due to no communication from the merchant whether through phone call, text message, email, mail, etc. If the event were in my hometown of XXXX XXXX, then I would've driven to the box office/will call and see if they have my ticket available. Since the event is in XXXX XXXX, there was no way at all for me to travel day same day. They just charged me blindly. As you can see in XXXX of my attachments labeled " XXXX XXXX, '' third page under " Scan/Fullfillment Summary, '' it says under Unpicked up : 1, Unfulfilled : 1, Unscanned : 1, which means that the ticket I bought was never used nor picked up by me. Please help me get my money back. This is unfair by both parties to be doing this to me. Thank you!
Company Response:
State: CA
Zip: 91311
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the account that must be corrected. DISCOVER BANK XXXX XXXX : {$560.00}
Company Response:
State: CA
Zip: 916XX
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A