Date Received: 2023-02-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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. 1681s-2 ( A ) ( 1 ) 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.
Company Response:
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
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: Consumer Financial Protection Bureau Case # XXXX I recently made a compliant about Discover Financial Services attempting to collect on a alleged debt from me the consumer when I asked for a copy the contract with my wet ink signature I received a letter stating Please Understand due to the age of the applications copy is no longer available to provide. If there is no copy or proof of a application or contract on file how can Discover Financial Services continue to violated my rights as a consumer. NO CONTRACT NO OBLIGATION TO PREFORM. 15 USC 1681 15 USC 1692
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
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 made a purchase in XX/XX/2023 but did not receive the service I paid for I tried to solve the issue with the company they laughed at me they were very disrespectful so I disputed it with my credit card company which is Discover card I put in a dispute I asked them could they request the recording they told me yes after they closed the first dispute not ruling in my favor I called them and they denied telling me that it was on a recorded line I re opened the dispute and supplied my documentation they have again closed the dispute i know they are not reviewing my dispute properly I have been robbed of my funds charged for a service I did not receive I would also like to file on the company I paid as well
Company Response:
State: IL
Zip: 60490
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: During the summer of XXXX. Discover closed my card due to being unable to verify my identity and told me I could reapply and just verify my identity then. It is now XXXXXXXX XXXX XXXXXXXX and I have tried applying to get a due to status of previous account. My account was closed by discover and now XXXX cant even reapply. None of the customer service agents know how to fix it and numerous have tried to walk me through the application process with the same rejection notice.
Company Response:
State: LA
Zip: 71270
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
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: The months of XXXX and XXXX, Discover filed a report of late payment to my credit report, demoralizing my credit. During that time I was going through financial difficulty. I was preparing for my departure heading to XXXX XXXX training. In accordance with the fair credit Reporting act Convergent has violated my rights. 15 USC1681 Section 602 States I have the right to privacy. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: MS
Zip: 39503
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I called to settle a collection account with discover on XX/XX/2023. I paid {$510.00} to settle the account and have it closed so it no longer reports late payments to the credit bureaus. Once I paid it, I called discover back to have them update the information. They updated it to show the payment and stated it would be updated fully to settled for less than balance owed within 30 days. It has now been 40 days and it has not been updated and continues to show a late payment for the month of XX/XX/2023.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I am responding to the previously two inter-related complaints XXXX and XXXX regarding a fraudulently applied for and maintained Discover credit card ( account XXXX ) in my name, that occurred while I was XXXX on income tax related charges within the State of New Jersey and XXXX XXXX XXXX. First, Discover Financial Services exceeded the 30 requirement for responding to both your office and me. My complaint to Discover Financial Services was made in XX/XX/XXXX. My request for your intervention was made in XX/XX/XXXX. Secondly, the account information submitted by XXXX, at the Discover Office of Customer Advocacy only proves to substantiate my complaint that a Discover credit was in fact opened in my name and maintained in my name using my former address, however I was not at my home address and I was unable to remit payments on this credit card, because I was XXXX in both the New Jersey XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Not only did Discover exceed the 30 day requirement for responding, but it responded with information showing that someone, other than me opened the credit card account. Furthermore, this Discover credit is incorrectly being reported on my credit reports an active account when the account was closed in XXXX. My credit score is now incorrectly being reduced with an erroneous credit reporting from a credit card fraudulently opened and maintained and still being reported as an current debt, when the credit card was closed and written off in XXXX. I request your intervention under the Fair Credit Reporting Account of motivating Discover Financial Services to remove this incorrect information from my credit reports. Thank you in advance for your attention to my request. Sincerely, XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
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 Card issue. XX/XX/XXXX : {$77.00} charge at XXXX XXXX disputed as possible fraud. Charge removed by Discover. Subsequent, undisputed charges at XXXX XXXX rejected by Discover. I contacted Discover and confirmed the purchases. Ask them to pay the {$77.00} charge, too, just to clear the issue. XX/XX/XXXX : XXXX XXXX charges totaling {$8700.00} appear on my Discover statement. XX/XX/XXXX : XXXX XXXX rejects an on-line purchase, not charged to Discover, claiming that Discover never paid them for over {$5000.00} of the charges that appeared on my XX/XX/XXXX statement. I have paid Discover in full. I contacted Discover in XXXX and XXXX of XXXX, spending hours on the phone requesting evidence that they paid XXXX XXXX, so I could present that to XXXX XXXX. On both occasions, I was told that documentation would be mailed to me. I have not received it.
Company Response:
State: NM
Zip: 87124
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
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 purchase a home for my family and I and I realized that their were items on my credit report that were damaging. According to 15 U.S.C 1681 law there should not be any damages on my credit report as this is defamation to my character.
Company Response:
State: GA
Zip: 31906
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have several credit cards including XXXX, Discover, XXXX XXXX, XXXX and XXXX XXXX, all of which are charging in excess of 24 % and as much as 28 %! My XXXX score ranges from XXXX to XXXX and Ive complained to the above listed companies and was provided absolutely erroneous information without any resolution. Why am I being taken advantage of when my credit rating is in the excellent range?
Company Response:
State: AZ
Zip: 85351
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A