Date Received: 2023-02-09
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A discover credit card was fraudulently opened in my name in XXXX, XXXX. In XXXX, XXXX I reached out to discover to inform them of this matter once I seen it on my XXXX XXXX XXXX credit report and they agreed to close the account however, it's still illegally on my credit report although the account was closed due to fraud. I really need this fraud account removed from my credit report because I never opened this account. I tried to do a report with FTC but they keep directing me to CFPBXXXX Someone please reach out to me so we can handle this illegal issue soon. By law, this account can not continue to be on my credit report if the account was not opened by me. Thank you. Discover account ending in XXXX. Closed XX/XX/XXXX.
Company Response:
State: NJ
Zip: 07032
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Discover financial services are taking advantage of clients prequalify system to submit inquiries as there are inquiries in my report I did not authorize and therefore need to be removed from my report. The pre qualify check clearly says on their site it does not hurt the credit and they are submitting credit inquiries that are affecting my credit without my consent. Please remove inquiries nor authorized on XXXX and previous months
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Included is a list of accounts that were opened in my name fraudulently ( company and amount ) : XXXX XXXX ( hard inquiry ) XXXX XXXXXXXX XXXX {$9900.00} XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX$2800.00} XXXXXXXX XXXX XXXX XXXX {$320.00} XXXX XXXX {$13000.00} XXXX XXXX {$9100.00} XXXXXXXX XXXX {$5000.00} XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXX {$1000.00} XXXX XXXX {$540.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX$300.00} XXXX XXXX {$120.00} These accounts are a mix of credit cards, collections, and utilities. I did not open or have any knowledge of these accounts
Company Response:
State: IN
Zip: 47130
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Discover card was not mine Im Not sure who opened this card
Company Response:
State: AL
Zip: 362XX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
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 contacted discover over plain tickets I bought that the tickets got canceled and because it was done through a second or third party the airline couldnt refund me. I have contacted the airlines and filled a complaint and discover would not refund the money because I cant get proof from anybody showing the tickets where not used by me
Company Response:
State: ID
Zip: 83401
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 section 602 ( a ) states " there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, XXXXXXXX XXXX XXXX are credit agencies and I am the Consumer. It is my lawful right to make sure my information is kept private and is not shared. 15 USC 6801, which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information, '' supports my claim. DISCOVER STUDENT LOANS, XXXX XXXX, and DEPTOF EDXXXX are financial institutions by definition under this title. 15 USC 1681 section 604 ( a ) section 2 states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer repot under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates ''. The financial institutions, DISCOVER STUDENT LOANS, XXXX XXXX, and DEPTOF ED/XXXX along with the consumer reporting agencies, XXXX, XXXX, and XXXX, did not and do no have my consent to furnish this information nor did they have or do they have my written consent. Any and all consent to XXXX, XXXX, XXXX, DISCOVER STUDENT LOANS, XXXX XXXX, and DEPTOF EDXXXX, whether it be written, implied, verbal, nonverbal or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " a financial institution may not disclose nonpublic information personal information to a nonaffiliated third party unless -- - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. DISCOVER STUDENT LOANS, XXXX XXXX, and DEPTOF EDXXXX never informed me of my lawful right to exercise my nondisclosure option. Along with that, 15 USC 1681C ( a ) ( 5 ) states " except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of he 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. '' These accounts are adverse items they are reporting again without my permission which is against the law. On top of this, 20 USC 1232g ( b ), which is The Family Educational Rights and Privacy Act ( FERPA ), is a federal law enacted in 1974 that protects the privacy of student education records. DISCOVER STUDENT LOANS, XXXX XXXX, and DEPTOF EDXXXX violated this law by sharing my educational records with credit reporting agencies. 5 USC 552 ( a ) ( b ), which is the Privacy Act of 1974, states " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of the individual to whom the record pertains ''. Again, these financial institutions and credit reporting agencies did not and do not have my written consent. 15 USC 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 USC 1681e states " 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. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states " a consumer may exercise the right to opt out at any time ''. I am opting out of these reporting services.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/XXXX I mailed an Opt Out Notice and validation request to Discover. I requested that both accounts acct XXXX XXXX be validated request listed below : Copy of my written consent to form a credit report on behalf of entity XXXX XXXX XXXX ; The amount they claim the Principal owes them ; A letter of explanation showing me how they have computed the amount ; Contract with both WET INK Signatures ; Copies of any document that prove I agree to pay the alleged amount ; Confirmation that the account has not reached the statute of limitation ( SOL ) period ; Evidence of your license numbers and your registered agent ; DISCOVER ignored my request and continued to report after I opted out and revoked my permission. They were informed of the privacy act of 1974 as well as all other violations below. Discover never produced any of the requested information above including any such contract with both my wet signature or theirs. The privacy act of 1974 15 USC 6802 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A Defamation of character Capital one is in violation of multiple US Codes, Privacy Act of 1974 and FCRA. All DISCOVER accounts are to be removed from my credit report Per 15 USC 6802. Discover has stated in their own privacy policy that I have the right to opt out of sharing to non-affiliate and they are not affiliated with any of the credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NC
Zip: 281XX
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Discover Card Fraud Charge on account : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Discover made a - {$2500.00} Credit on account XX/XX/XXXX Dicsover made a reversal of credit + {$2500.00} on account XX/XX/XXXX Discover made a - {$2500.00} adjustment on account XX/XX/XXXX Discover made a transfer balance of + {$2500.00} on account XX/XX/XXXX Discover made a - {$2500.00} credit on account XX/XX/XXXX Discover made a + {$2500.00} balance transfer on account XX/XX/XXXX Discover made a + {$2500.00} transfer balance on account Discover owes a - {$5000.00} credit on this account, I've spoken to several people to try and resolve this fraud charge but they are not helping. I keep gettend transfered & no one can help with the charges.
Company Response:
State: TX
Zip: 78258
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My information was part of the data breach, and since then Ive been an victim of true identity fraud. I have unknown credit cards on my credit report from XXXX XXXX XXXX XXXX, discover credit card
Company Response:
State: GA
Zip: 30017
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This account is reporting the last active date inaccurately to all XXXX credit bureaus this is inaccurate information and needs to be deleted from my report.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A