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: Im a victim of identity theft and four of my major credit cards were used online transactions and other ways. I reached out all the credit companies however no action s taken so far and all those balances are added to my credit profile. This affects my credit score drastically and I couldnt able to get any credit services. Unfair credit reporting.
Company Response:
State: MN
Zip: 55305
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/23, I've tried using my Discover card via ATM and couldn't get cash. I've been trying to use XXXX XXXX as I always do, and have also had problems accessing my money. I have not been able to purchase grocery or get an XXXX when needed over the past week. I need help immediately and the only thing this bank is saying is that they are aware of the issue and that they are working on it.
Company Response:
State: CA
Zip: 95035
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
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: 15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered. The furnisher of the information is also liable under the FCRA under 15 USC 1681s-b ( 2 ) because they were notified of inaccurate and incomplete information on my report, and a proper reinvestigation was not done because the information is still inaccurate
Company Response:
State: GA
Zip: 30088
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
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: 15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered. The furnisher of the information is also liable under the FCRA under 15 USC 1681s-b ( 2 ) because they were notified of inaccurate and incomplete information on my report, and a proper reinvestigation was not done because the information is still inaccurate
Company Response:
State: GA
Zip: 30088
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
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 have had a fraud issue on my credit card starting on XX/XX/XXXX to XX/XX/XXXX. The current balance is now {$11000.00}. I have had this card since XXXX and have never had spending habits such as this. Many of the charges were made in RI. and I live in MA. I have not made any of these charges and have never stayed at the XXXX hotel or other hotels in RI. There were many XXXX and XXXX store charges as well as food purchases. I would like to get credit for all fraudulent charges as a resolution to this problem. I have contacted Discover 's fraud department 5 times and was continuously told it would take 90 days but nothing has been resolved. I was told the last time I called that they had matched my voice to a call which said to recharge my card for the XXXX charges but I never made such a call and now they are refusing to credit my account which they have now closed. This is affecting my credit score dramatically from XXXX to XXXX currently. I need help to resolve this as now I have and three late payments and the minimum payment is {$1000.00}. I should not have to and can not pay this as I am retired.
Company Response:
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with monetary relief
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: To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable.I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards.For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In XXXX I took out a discover credit card. I had a small limit that I gradually increased over the next 4 years. Looking at the history I had an excellent payment record. In XXXX when the world got crazy my purse was stolen and everything in it including my id, all of my bank cards, all of my credit cards, my social security cards, car keys, my kids social security cards everything. I started getting messages from XXXX XXXX stating that if I did not return a rented vehicle within a specific amount of time it would be reported as stolen. I knew only one individual who recently rented a car from XXXX during this time and when I confronted her she stated that she made a mistake and thought she was using her husband 's discover card. I did report her to the police but she returned the car immediately after I had confronted her, so she didn't have the car when they went to speak to her and I confirmed with XXXX that they received the vehicle. The transaction still went through on discover when I had a {$1900.00} limit beyond {$5000.00}. Police department told me that I would have to go to XXXX Missouri to file a police report because the crime was committed there. They told me that without the car, nothing could be done and I would either need to take her to court over the bill, or I could resolve it with discover directly by reporting my card as stolen. I was under the impression that I had theft protection and fraud protection through discover. XXXX was not interested 8n helping me because they had already been paid and as far as they were concerned everything was in good standing. I filed with Discover that my card had been stolen. Multiple times they opened a dispute, removed it from my credit for which I resumed payments that were actually owed, only for them to add it back to my credit report. This alone has completely destroyed my credit the medical bills were not even an issue before the drop due to Discover. The stress felt by trying to resolve the issue and severe XXXX arguing with them and XXXX from not understanding why they kept adding it back watching my score destroyed ..... I don't understand how I reported it stolen and there is absolutely no theft protection with this card. I was even willing to pay the nearly {$2000.00} debt that I was supposed to pay because I requested a new card with a new number and was continuing to use my account, not aware of the pending XXXX charge. I had even reached out to XXXX over a {$40.00} transaction I saw on my statement in XX/XX/XXXX and they apologized and refunded that random charge so I thought the issue was fixed because I have never rented a car in my life and thought it was a fraudulent transaction. By XXXX XXXX surpassed my XXXX credit limit with Discover and cost me over {$5000.00}! I'm not paying anything if they're not going to protect me from theft!! They closed the account in XXXX and they're still negatively reporting every month. I'll never trust a credit card company again especially a major one.
Company Response:
State: MO
Zip: 64012
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, Discover bank underwent announced maintenance on its debit card systems. The message users received about this for weeks before it happened was that the maintenance would take place overnight, and that it would not affect transactions. That morning, several hours after the maintenance window, I tried to use my debit card and it was declined for insufficient funds. I called Discover Bank, and they had no idea why my card wouldn't work, though they thought it was because my card was expired. " Are you sure you aren't using an older card? '' I don't have an older card. They told me there was no reason my card was being declined, and I should try again. I did, and it was declined again. THAT is when the customer service reps admitted their maintenance went longer than expected and was - contrary to their own written promises- affecting transactions. Two days later, and my card is being declined AGAIN. This time, they've allowed vendors to maintain holds on funds even after the bank has charged me for the vendor 's item, effectively taking money out of my account twice, and rendering me again unable to use funds in my account as they are tied up with " holds ''. I tried to log into their website to register a complaint, but the website tells me my account " isn't accessible '' because I'm using an older browser ( my XXXX updated just a few days ago. I'm on the latest build. ) For questions, they provided a number which I called. And it was the wrong number. In ALL of this Discover bank is claiming their maintenance was " unplanned '' ( weird how they announced an maintenance schedule ), and made it seem like all of this is just some unfortunate series of events over which Discover Bank ( owning all these systems ) has no control. 100 % of my income comes from SSDI. Discover Bank is effectively limiting me from using funds provided me by the federal government for a living well below the poverty level. This is unacceptable on all levels.
Company Response:
State: WA
Zip: 98225
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Discover Card balance transfer balance was due XX/XX/XXXX. Paid in full, posted XX/XX/XXXX {$4400.00}. They applied payment to another balance transfer that was expiring in XX/XX/XXXX and the balance transfer that was due XX/XX/XXXX was changed to purchases at an interest rate 15.5 % and now 17.24 %. Their explanation is a policy that doesn't exist in the balance transfer agreement nor statement how they apply payments. Our position is per agreement and statement we paid the balance transfer prior to expiration. Their policy due to automatic payment of {$300.00} was applied to the 0 % balance transfer first, then the next highest was 4.9 % which they applied to balance transfer expiring XX/XX/XXXX. Thus the balance transfer we were paying is now XXXX %. They are taking advantage of policy not written in transfer agreement or on statement. Should be illegal since it takes advantage of consumers.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: The bank said it had a soft ware issue. So my money has been frozen for two days and no answer yet.
Company Response:
State: NJ
Zip: 07052
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A