Date Received: 2023-01-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My monthly payment quadrupled unexpectedly due to a year-long delay in processing my submitted escrow paperwork. I refinanced my mortgage with Discover Home Loans. On XX/XX/XXXX the personal banker at Discover quoted me at {$390.00} without escrow and {$630.00} with escrow for a 30 year fixed rate. Because this was better than my previous home mortage, I signed off on the documents XX/XX/XXXX. I called to inquire about escrow documentation needs on XX/XX/XXXX and submitted my insurance documentation in order to set up escrow to XXXX on XX/XX/XXXX. Despite repeated calls on XX/XX/XXXX and XX/XX/XXXX where I was assured my escrow documents were received and my escrow was being set up, my payment was XXXX until more than a year later, XX/XX/XXXX, when it was raised to $ XXXX. When I called for an explanation about this change on XX/XX/XXXX, I was told that there was property tax deficiency issue in the escrow and my payment needed to be raised for one year to make up the difference, after which it would go " back '' to XXXX. ( My property taxes were {$3400.00} in XXXX and {$3600.00} in XXXX so there was no unexpected change there. ) I was confused but stayed calm and polite on the phone, and was nevertheless hung up on. I have been making XXXX payments that well exceed my planned mortgage budget, on time, every month since then.
Company Response:
State: MN
Zip: 55104
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have credit card with a few cards, but discover does the most harassment. discover calls me several times an hour. I have blocked over 20 numbers, and continue to get endless spam from their debt collecting numbers. I dont even know whos calling at this point, but I get several voicemails a day. Discover voicemails claiming its not a solicitation call, or claiming they want to offer me some new promotion, to get me to call them back and end up paying it back.
Company Response:
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: DISCOVER BANK, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX attempting to defraud XXXX XXXX XXXX by fraudulently creating a security bond without disclosure, signature nor consent. DISCOVER BANK and attorneys mailed a document postmarked and XXXX XXXX, recieved on Friday XX/XX/XXXX, and response was mailed to attorney XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX has no wet signature contract with XXXX XXXX XXXX nor XXXX XXXX XXXX, nor does XXXX XXXX XXXX agree or consent to contratct with therefore, no debt is owed.Discover bank has not produced a contract nor have they provided true original authentic accounting that XXXX XXXX standards for any accounts belonging to XXXX XXXX XXXX
Company Response:
State: TX
Zip: 78237
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
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 bought several mice from XXXX XXXX and later found that they had problems, so I returned them all to XXXX XXXX. XXXX XXXX promised me that they would refund me the full amount within XXXX weeks, but I have not received any money for almost 2 months. Because I have not received anything, and XXXX XXXX has never refunded me, I have disputed the purchase with my Discover credit card. However, Discover is being unreasonable and despite providing complete and clear evidence that XXXX has received my return a long time ago, they have refused my dispute. They are requiring me to prove that XXXX XXXX 's policy would have refunded me the full amount in this situation and that the refund would have been credited back to my account. These demands are clearly unreasonable and I am entitled to dispute the payment, I have not received anything, and have proven that I have returned the significantly flawed mice in full. I also attempted to find XXXX XXXX 's policy and sent it to discover, they do indeed promise a 30-day no-questions-asked refund and state that they will refund back to the credit card within XXXX weeks. But discover argue that these terms are not clear enough and do not guarantee a full refund and do not represent a return to the original credit card. In my opinion, this is clearly an irresponsible and malicious obstruction. I believe that in this situation, I have actually provided evidence beyond what is normally required for a dispute, and I have communicated as best as I can, but Discover is pushing all the burden of proof on me, I am very disappointed and hope that the CFPB can intervene and investigate so that consumer rights can truly be protected. -- -- -- -- -- -- - Here are the XXXX XXXX. detail : XXXX. XXXX. Date XX/XX/XXXX XXXX XXXX XXXX XXXX Merchandise {$46.00} XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Date Monday, XX/XX/XXXX Transaction Date Monday, XX/XX/XXXX Merchant Category COMPUTER SOFTWARE STORES Purchase Method ONLINE XXXX. XXXX. Date XX/XX/XXXX XXXX XXXX XXXX XXXX Merchandise {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Date Saturday, XX/XX/XXXX Transaction Date Saturday, XX/XX/XXXX Merchant Category COMPUTER SOFTWARE STORES Purchase Method ONLINE
Company Response:
State: AZ
Zip: 85719
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In XX/XX/2022 I received a Late payment Flag on my Credit Report from Discover Bank According to the fair credit reporting act this creditor has violated my rights. On their 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. On their 15USC 1666B a creditor may not treat a payment on a credit card account under and open an consumer plan as late for any purpose
Company Response:
State: MI
Zip: 48504
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Hi, I called Discover bank customer service, and put a stop payment on a {$540.00} check on XX/XX/XXXX, the agent assured that after this stop payment, the check would not be able to be cashed anymore. But the check was still cashed on XX/XX/XXXX, it turns out that the agent made some mistakes when inputing the stop payment order. I called customer service and they admitted that it's human error on their end, but there is no way they can help me and I have to just take the loss.
Company Response:
State: CA
Zip: 94070
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Notice to Cease and Desist This is in reference to the Consumer Report sent by XXXX. While checking my credit report, it came to my notice that XXXX has furnished an XXXX on my Consumer Reports. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major CRAs XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report by DISCOVERBANK will amount to Communication. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state 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. Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearing states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The Privacy Act of 1974 ( 5 U.S.C. 552a ) protects personal information held by the federal government by preventing unauthorized disclosures of such information. Individuals also have the right to review such information, request corrections, and be informed of any disclosures. The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) protects personal financial information collected by consumer reporting agencies. The Act limits those who can access such information, and subsequent amendments have simplified the process by which consumers can obtain and correct the information collected about themselves. The FTC also actively enforces prohibitions on fraudulently obtaining personal financial information, a crime known as " pretexting. '' 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. You have been put on notice this information is inaccurate. Delete all inaccurate information from my consumer report immediately 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 15 U.S. Code 1666 - Correction of billing errors ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws.
Company Response:
State: NJ
Zip: 08046
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: THIS COMPANY IS USING FALSE STATEMENTS AND IS CLAIMING THEY HAVE THE RIGHT TO FURNISH MY REPORT WITH INACCURATE INFORMATION BASE ON A CARD HOLDER AGREEMENT IN WHICH THEY BELIEVE THEY ARE PERMITTED BY LAW ( WHICH LAW ) TO DO SO? THE CARD HOLDER AGREEMENT DOES NOT HAVE ANY WRITTEN SIGNATURE FROM ME. IT DOESN'T INCONSPICUOUSLY GIVE ME THE OPTION TO OPT OUT OF SUCH REPORTING NEITHER. UPON REVIEW OF MY CONSUMER REPORT THE ACCOUNT HAS BEEN CHARE OFF MANY MONTHS AGO AND WHICH UNDER THE 1099C CANCELATION OF DEBT THE IRS STATES CHARGE OFFS ARE INCOME AND INCOME CANT BE REPORT TO ONE CONSUMER REPORT NEITHER CAN A CHARGED OFF ACCOUNT. THIS IS IN VIOLATION OF USC 15 1681S-2 ( A ) ( 1 ) AND USC 1681A ( 2 ) ( B )
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
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 purchased a XXXX camera from XXXX XXXX at the amount of {$740.00} on thursday XX/XX/XXXX, that i never received. I used my discover it card. I corresponded with the merchant for over a month and they ended up not giving me a refund. they told me to call my credit card and I did. I filed a dispute with discover and they rejected my claim within a week. They did not take into consideration the evidence that my item was not delivered ( or misdelivered by the carrier ). The proof of delivery does not even show my address and it did not contain a photo or signature for an item thats almost {$800.00}. Discover rejected my claim very fast and I believe they did not do enough to consider my claim.
Company Response:
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Other features, terms, or problems
Subissue: Problem with convenience check
Consumer Complaint: I have kept up with my XXXX card payments and due dates. Which causes me to get my credit line increase up to XXXX on XX/XX/XXXX I received an email states Ill be receiving my XXXX security deposit back in check. I waited out for weeks and never received anything I then contacted my credit card explained the situation. On XX/XX/XXXX XXXX I states the situation with someone by live chat they claim to sent in another one. it is almost the end of XXXX and I have still have yet to receive anything the email states it should be sent in 5-7 business days and its been 2 months.
Company Response:
State: CT
Zip: 066XX
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A