Date Received: 2023-02-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Dear DISCOVER CREDIT CARD ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity.
Company Response:
State: RI
Zip: 02860
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Dear DISCOVER CREDIT CARD ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity.
Company Response:
State: RI
Zip: 02860
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: In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 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 late for any purpose.
Company Response:
State: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
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: On XX/XX/XXXX, Vision Coverage was initiated through XXXX with XXXX XXXX XXXXXXXX XXXX XXXXXXXX by electronically signing the application and paying the annual premium on my Discover Card. No auto-pay feature was selected of even indicated. On XX/XX/XXXX an auto-pay charge was processed by XXXX for {$430.00} on the same Discover Card. All attempts between XX/XX/XXXX and XX/XX/XXXX confirm coverage was unnecessary for XXXX failed due to failure to speak with XXXX Customer Service Representatives resulting from an automated phone system and excessively long-hold times. On XX/XX/XXXX, an e-mal was sent to the customer service representative listed for the account without any response ever occurring. A dispute case was opened with Discover Card on XX/XX/XXXX and a temporary credit was issued for {$430.00}. On XX/XX/XXXX, Discover Card completed their investigation and found in my favor, reversing the temporary credit and issuing a permanent credit for {$430.00}. Sometime subsequent to XX/XX/XXXX and XX/XX/XXXX, XXXX responded to Discover Card, resulting in reinstating the charge for {$430.00}. Upon learning of this intervention assistance from XXXX XXXX XXXX was obtained resulting in the XX/XX/XXXX e-mail from XXXX stating the insurance coverage was or will be cancelled effective XX/XX/XXXX with the respective credit issued. This e-mail was provided to Discover Card on XX/XX/XXXX, yet Discover Card has willfully and negligently failed to reinstate the credit. A second e-mail was received from XXXXXXXX XXXX XXXX written from the perspective that the Discover Card was a Debit Card when in fact it is a Credit Card. As late as today, XX/XX/XXXX, Discover Card is refusing to reinstate the credit for {$430.00} unless they hear from XXXX. Having no way to contact XXXX due to cancellation of the insurance an no account, contacted XXXX XXXXXXXX XXXX whom doesn't understand why this is occurring. Obviously, Discover Card is attempting to unlawfully extort {$430.00} as an inside job in order for an insider to embezzle {$430.00}. After having this Discover Card Account for thirty-one ( 31 ) years, this behavior is uncharacteristic, deceptive and has never occurred when previous disputed charged have occurred. Obviously they waited until i was a XXXX and XXXX of a Protected Class to perpetrate such a scheme.
Company Response:
State: OH
Zip: 444XX
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: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Debt collectors keep contacting my family members, announcing to them that they are debt collectors, and that they are trying to reach me. I have emailed them, but they continue to contact my parents, even though I am over the age of XXXX.
Company Response:
State: NC
Zip: 27284
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: 2023-02-07
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I received a letter dated XX/XX/2022 informing me that XXXX would send a check for {$110.00} because of interest I lost due to them cashing but not depositing three of my checks. It has been over a month and I still have not received a check.
Company Response:
State: VT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XXXX XXXX I made 2- {$400.00} payments to Discover card through their Discover App. My checking account through XXXX XXXX XXXX XXXX is Direct Linked so I can make payments. XX/XX/XXXX, the first payment of {$400.00} posted and on XX/XX/XXXX the XXXX payment posted from my checking account. I checked the Discover card account and despite them having debited the money they only showed the payment deduction for the XXXX. Mind you both are labeled Discover XXXX XXXXXXXX XXXX on the bank statement to show the deduction. On XX/XX/XXXX, I contacted the Web messaging assistant via the Discover App and was connected with XXXX in XXXX XXXX XXXX. XXXX assured me that the payment had posted and would be credited to the account and would send me a confirmation e-mail. The confirmation e-mail never arrived. Later that morning I contacted them a second time and was connected to XXXX in Ohio. She said I should receive a confirmation number for all payments, and I informed her that when paid through the app it doesn't give one. She said it takes XXXX days to post and we were beyond that point already. On XX/XX/XXXX I filed a missing payment dispute for the missing {$400.00} payment via their website and provided the dates and times and banking information plus uploaded documentation. On XX/XX/XXXX I faxed a copy of my bank showing the labeled payment withdrawals on XX/XX/XXXX for {$400.00} and the XXXX for {$400.00} each and my account message from XXXX XXXX XXXX XXXX providing both the ACH numbers for them. I contacted Discover Messaging again to verify that the fax was received and was told they work faxes in the order in which they are received. They then reversed the temporary credit of {$400.00} and closed my dispute despite it not being resolved. On XX/XX/XXXX, I contacted Discover messaging again and requested to be connected with a supervisor and was told none were available and it could take up to24-48 business hours. Later in the day on XX/XX/XXXX, I was messaged by XXXX in the Delaware XXXX who told me 2 payments of {$400.00} were recently posted to my account- he did not give any dates he also admitted to receiving the fax. Upon checking my account, they still haven't posted the 2nd {$400.00} or deducted it from my total in my account. My account currently only shows the payment from the XXXX so the posted payment from my bank account on the XXXX hasn't been applied. Current total shows {$860.00} instead of the correct {$460.00} ( if they had applied the missing {$400.00} payment ). All applicable bank statements, e-mail, and screen shots of messages including the false claim that they applied the payment when they did not will be attached.
Company Response:
State: WI
Zip: 54902
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: HI I have recently made a complaint since my credit card with discover was denied every time I apply. I received a feedback saying that I can not apply for discover credit card right now but due to some reason I am not able to apply for any other credit card like XXXX, XXXX XXXX etc. Please help me out and let me know what to do?
Company Response:
State: OH
Zip: 43606
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
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 have informed Discover Bank on several attempts to dispute the fraudulent charge from XXXX XXXX XXXX XXXX Amount {$570.00} Dispute # XXXX and XXXX XXXX XXXX XXXX CO XXXX {$160.00} Dispute # XXXX. They have disputed it and reversed the charge and charged it back to my account over XXXX without providing the consumer ( myself ) the validation of the allege fraudulent charge with XXXX nor did they provide proof of allege debt for XXXX XXXX as this was not fraud but the services was not rendered nor performed as they did not let customers through to catch flights due to the long line and short staff. Discover even went as far as providing a new card due to the agent charging me without my consent/notification all to place the charge {$570.00} back on my account.
Company Response:
State: GA
Zip: 30327
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Good day! I am writing concerning my experience with Discover that is both a grateful thank-you and a pressing request concerning a trade-line in my credit files that I would like to have revised. I received my Discover Card in early 2021 and took pride in the fact that all my payments were routinely made in a timely manner. Unfortunately, since then my life took an unfortunate turn. I lost my uncle, aunt, and brother to the horrid XXXX virus. This led me to fall into debt, and having to sell nearly everything of value that I owned. I was left in a very unfavorable position financially. Not only do I take care of my mom and younger brother, but I have had to make many sacrifices over the last two years in attempts to create a better financial situation ; I was forced to forfeit my school tuition because it was no longer within my abilities to afford. Concessions had to be made and regretfully, this led to late payments on my Discover secured credit card. The loss of income was a brutal wake-up call for me, and I now am attempting to make steady efforts step by step to hopefully avoid bankruptcy. I have gained two sources of income, as well as financial management skills to assure that I will never be late on a payment again. I am hoping to soon begin the process of purchasing my first vehicle, and it has come to my attention that the late notations from Discover may prevent me from taking full advantage of the best rate available. I am requesting that you grant me a second chance at a positive credit rating by allowing me to be relieved of all late notices under financial hardship ; and hopefully we can work out a payment plan to finish the remainder of the balance on the account. I sincerely hope that there is redemption at Discover, as I hope to remain a card member, I plead for such consideration. If any additional documentation would assist in reaching a positive outcome, please feel free to contact me. I thank you for the time you have spent reading this correspondence. Very hopefully yours, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A