Date Received: 2023-01-26
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I was told that XXXX XXXX would be representing me, and that if I paid my fees, that my debt would be eliminated completely. They changed my credit card the day I spoke with them for the first time. They told me I signed a contract that I never received a copy of it, and didnt sign anything. They told me to stop paying on my debt, and that I dont need to worry about a thing. Next thing I know I have XXXX lawsuits. I paid them over {$7000.00} and was told that I would never pay anything more than the fees. My lawsuits include their fees. I would never have paid {$7000.00} for someone to consult me for {$20000.00} worth of debt.
Company Response:
State: FL
Zip: 32305
Submitted Via: Web
Date Sent: 2023-02-16
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 information incorrect
Consumer Complaint: I opened a secured credit card with Discover Bank and paid an {$800.00} deposit, which became my opening balance. I used the card for minimal purchases and made timely payments. I used my card at a gas station, where I believe my credit card information was compromised after seeing a series of charges for purchase I did not make. I disputed the fraudulent charges when I learned of them. In the meantime, Discover Bank did not take any steps to ensure my information was not being disseminated and used. Discover Bank also made the unilateral decision to close the card because I was the victim of identity theft and fraudulent charges were occurring. This card was opened to help me XXXX XXXX and in the end it made it worse. They closed the card which resulted in a declined XXXX XXXX because the account was only months old. And they reported late payments when payments were never late. When I learned of the negative reporting history I contacted discover card. I was told that they no longer keep records after 2 years and they could not provide me with a copy of the records nor could they pull up any records related to this account in their internal system. However, I did have copies of all of my statements and attached them to each my dispute with XXXX. XXXX opened my dispute and submitted it to Discover Bank. The results were unchanged and Discover Bank reported that the negative history was accurate on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX. Most recently a dispute was opened on XX/XX/XXXX at around XXXX, by the next morning the dispute was completed and against Discover Bank was reported to have responded to my dispute, verifying the negative history as accurate despite not having any records to provide or reference. When I called Discover bank on XX/XX/XXXX to ask about this and speak to someone who could provide information as to their process for responded to credit report disputes. I was told there is no one that I can speak to. Discover Bank should be ashamed that they continue to be adamant on ruining someones credit history without any proof. This is a violation of my rights under the fair credit reporting act. They are causing harm to me. If the CFPB is unable to assist in resolution, I will be commencing litigation against this deceitful bank.
Company Response:
State: DC
Zip: 20003
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date of Birth : XX/XX/1968 SS # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX. Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : The following information is incorrect 1. Validate And Verify debt DISCOVERBANK Account Number : XXXX Please remove it from my credit report. Please remove this inaccurate information from my credit report. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 34974
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2023, Discover erroneously reported my co-signer and I for a late payment when in fact the account is current and doesn't have a due date until XX/XX/XXXX.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Im a victim of identity theft my information was leaked on the dark web by XXXX Im in the process of going through arbitration, my information has been compromised and used to establish fraudulent accounts in my name, I want this account with discover bank removed from my credit report, or I will seek arbitration to recover damages from this account being open, all my identifying information has been leaked I can provide evidence of that data breach and my information being compromised, example the IRS now considers me a victim of identity theft because someone tried to file a fraudulent tax return in my name try to defraud the government out of thousands of dollars to also show you i filed a police report against XXXX XXXX also because Im identifying information was used to open accounts in my name and a detective guy said numerous accounts were open im just showing you that I am in fact a victim of identity theft .experian please remove these accounts, i have sent a police report showing I am a victim of identity theft, i have now started arbitration against XXXX XXXX and XXXX for compromising my information im sending attachments so you can see I have did my diligence with this situation im also up loading a letter from thf IRS letting me know that XXXX am a victim of identity theft someone tried in XXXX of 2022 to file a fraudulent tax return and tried to defraud the government out of thousands of dollars now I have to use identity theft pin so when I file taxes I have to use that pin so I can identify myself, please remove these accounts XXXX XXXX from my file , Im also showing I have demand for arbitration against XXXX for compromising my information and leaking it on the dark web .my information is on the dark web I can not get that information back and now Im suing XXXX because my information has been used to open and establish fraudulent accounts in my name .please remove XXXX XXXX, discover bank, XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30101
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Discover Card has increased my monthly payment monthly for the last several months. I have never missed a payment or been late, consistently paid over whats due, and have not used the card in months ( therefore not causing a balance increase ). They claim its due to a variable interest rate, however, I have never received notice for interest rate changes. I also never began receiving the increasing payments until I ceased using the card while only making payments to reduce the balance. I believe Discover Card is failing to notify of interest rates along with unfairly applying interest rates.
Company Response:
State: NY
Zip: 14226
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
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: I spoke with a representative and told them I did not approve an inquiry and withdrew my application. I don't know if I will need to file a lawsuit in reference to this matter. It showed that I had an excellent score of XXXX prior to the inquiry. Now my score has dropped. I take this very seriously. I did not want this company to pull my credit report. I specifically spoke to a representative and told them this information. They said you can contact them to confirm the application has been withdrawn. I withdrew it almost immediately. The credit application ID # is XXXX with XXXX XXXX XXXX. It appears as the following on XXXX 's website/report. XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2023. Also, I noticed several other duplicate inquiries from the same company multiple times on my report. I never applied for a Discover credit card. So why is this on my report several times? I can have an attorney file a complaint in court if needed. I know what inquiries I authorized, and these are not any of them. DISCOVER FINANCIAL S Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023. There are many other suspicious inquiries on the report which I will also file a lawsuit about/against if needed. This is very suspicious, and they need to remove this false information or possibly go to court about the matter.
Company Response:
State: NJ
Zip: 08021
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: There was a fraudulent charge on my credit card and they refuse to remove the charge. Even though the charge was made in another state and the purchase was made by a totally different person.
Company Response:
State: CA
Zip: 928XX
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: IRS FRAUD and United States Code Law Violations Discover Account # XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil Liability for willful noncompliance and 15 U.S. Code 1681o Civil Liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION Discover Bank is trying to collect on an alleged debt despite not creating consumer account for securitizing consumers retail installment agreement which under 16 CFR 433.1 is indeed a credit sale as consumers social security number was used in said transaction. Discover Bank has not provided consumer with official treasury forms filed under consumer social number as described by congress as a credit card. Consumer reporting agency ( XXXX, XXXX, and XXXX ) hard inquires shows proof consumer credit was pulled. Which by the rules govern said company under the FCRA, FTC and 16 CFR 433.1, 16 CFR 433.2 and 16 CFR 433.3 company is bound to follow all guideline when offer retail installment agreements per the contract as a consumer my rights can be altered at any time. As for the 1099c, 1099oid, 1099a that Discover Bank has filed with treasury department under the rules of the 1099c company must provide consumer with a copy for accurate IRS reporting for any debt over {$600.00}. Discover Bank is not filing the proper taxes with IRS which is fraud. Due to companys non-compliance consumer will have no choice but to file form 211 along with other applicable OMB IRS forms under filing IRS with the treasury to audit consumers account to make sure accurate reporting and taxes are rendered per the security agreement signed under Discover Bank with the security exchange commission along with all OMB IRS forms needed to conduct an audit on consumer account. Discover Bank has also securitized consumers promissory note indenture trustee over securities yet have not credited consumers accounts accurately. Due to the recent change in consumer laws please serve this as notice that upon a valid proof of claim notarized under penalty of perjury consumer refuse to remit any funds until all documentary evidence of the accounting on the public and private side of consumers account. Discover Bank immediately stop any reporting until said company provide all information under the penalty of perjury for documentation.
Company Response:
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I applied for a cc with discover 2 weeks ago and got approved instantly. Upon getting the card the first issue is they mailed out a card that they later deleted off of my account. The next issue is they mailed out a second card they cant be activated now it will take 2 weeks for verification process. This company is a hassle, unprofessional, inconsiderate, and lack of communication with the customers. Upon this I closed out my account with this company because their lack of professionalism and care for consumers are beyond low.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A