Date Received: 2023-01-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: There were fraud charges on my account and I was notified because I got an email that charges went over my credit limit. I contacted Discover and they promptly opened a fraud case and sent me a new card. The scammer however was able to make a {$3000.00} payment via Discover 's automated phone system, using my bank account I had stored with Discover, that applied to my account 2 days later. This was XXXX XXXX. I contacted Discover in a panic because my bank account was negative. The agent assured me they would return the {$3000.00} within 2 days to my bank account with XXXX XXXX. The next time I called it was 5 days. Then it was 10-14 days. Since then I have called Discover over 10 times, including one phone session that lasted over 2 hours. I now don't even want the money returned to my bank. I just want it applied to my Discover balance so my card is basically paid off and I never have to deal with Discover again. The last time I called on XXXX XXXX and the agent told me she would have a special team resolve it for me within 48 hours. Another lie from Discover, today is XXXX XXXX. They have been holding my {$3000.00} in limbo- not applied to my Discover balance and not returned to my bank account.
Company Response:
State: IL
Zip: 605XX
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: 2023-01-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: on XXXX discover financial ser got a copy of my XXXX credit report i did not try to apply for credit with you guys please remove i have rights
Company Response:
State: TX
Zip: 78741
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Student loans under discovery Bank never made loans
Company Response:
State: MS
Zip: 392XX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I am receiving calls regarding collection of a debt several times per day. I have received exactly thirty ( 30 ) phone calls from the collection agency between XX/XX/XXXX XXXX XXXXXX/XX/23. According to the FDCPA, debt collectors can not call more than 7 times in a XXXX period about any particular debt. The number I am receiving these calls from is : XXXX XXXX XXXX XXXX XXXX
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: DISCOVER FINANCIAL SVC, my XXXX report states that I have hard inquiry from you guys. I did not apply for an DISCOVER FINANCIAL SVC product in the last 2 years. Please send me a letter via mail to the address on my CFPB file addressing XXXX to have those hard inquiries deleted please. Again, - XXXX wanted me to contact DISCOVER FINANCIAL SVC - Get DISCOVER FINANCIAL SVC to mail me a letter address XXXX to have those DISCOVER FINANCIAL SVC hard inquiries deleted, as they were not mine. - If possible, please expedite the mail. Thank you Dates from DISCOVER FINANCIAL SVC on credit report XXXX XX/XX/2022 2022
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: There was a XXXX form files that you have not addressed. Attached below Also Under the XXXX XXXX of 1999 nonpublic information such as late payments or charge off shouldn't be disclosed to any non affiliated third party such as credit reporting agency without my lawful consent 15 u.s.c 6802. And you have reported such information which means fraud has been taken place Instructions for Borrower ( the company ) Certain lenders who acquire an interest in property that was security for a loan or who have reason to know that such property has been abandoned must provide you with this statement. You may have reportable income or loss because of such acquisition or abandonment. Gain or loss from an acquisition is generally measured by the difference between your adjusted basis in the property and the amount of your debt canceled in exchange for the property, or, if greater, the sale proceeds. If you abandoned the property, you may have income from the discharge of indebtedness in the amount of the unpaid balance of your canceled debt. The tax consequences of abandoning property depend on whether or not you were personally liable for the debt. Losses on acquisitions or abandonments of property held for personal use are not deductible. See Pub. 4681 for information about your tax consequences. Property means any real property ( such as a personal residence ) ; any intangible property ; and tangible personal property that is held for investment or used in a trade or business. If you borrowed money on this property with someone else, each of you should receive this statement. Borrower 's identification number. For your protection, this form may show only the last four digits of your social security number ( SSN ), individual taxpayer identification number ( ITIN ), adoption taxpayer identification number ( ATIN ), or employer identification number ( EIN ). However, the issuer has reported your complete identification number to the IRS. Account number. May show an account or other unique number the lender assigned to distinguish your account.
Company Response:
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I am writing to inquire about the status of my recent credit card application. I was disappointed to learn that my application was denied, and I would like to understand the reason for the denial. I have recently experienced a drop in my credit score with XXXX XXXX, which I understand may have played a role in the decision. I would like to assure you that I am taking steps to address this issue and improve my credit score. I am a responsible credit card holder and have a history of making timely payments. I believe that my credit score does not accurately reflect my ability to manage credit responsibly. I would greatly appreciate the opportunity to prove myself and demonstrate that I am a responsible borrower. I kindly request that you reconsider my application and give me the chance to prove myself. I would be happy to provide any additional information or documentation that may be needed. Thank you for your time and consideration. Sincerely,
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Discover Bank Under U.S.C. 1681 B, the credit reporting agencies have no right to report anything on my credit report. Under section 605 A 15 U.S.C. 1681 C-1 It states that with NO consent that = identity theft, and they must DELETE from my credit report.
Company Response:
State: OH
Zip: 43612
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Hello, On XX/XX/XXXX, I submitted a complaint through the CFPB, case XXXX. On this I attached a sworn affidavit and a complete list of all disputed transaction which have occured on my account. I also included information stating that my XXXX account was taken over by a child I was babysitting and used my card to make unauthorized purchases through XXXX. The original complaint ( Complaint ) with its original attachments, transactions disputed ( XXXX XXXX ) and sworn affidavit ( Report ) are attached. On XX/XX/XXXX, I received a call from the Fraud team at Discover which I confirmed the disputed charges as all charges from XXXX on the account and explained the situation to them. See attached file named " Call XX/XX/XXXX '' for a recording of this call. By XX/XX/XXXX upon returning home, I received a letter in the mail from Discover. This letter was an acknowledgement letter for some charges on my account up to XXXX but was missing the majority of the disputed charges. I called Discover at the number provided on the letter to explain that there were multiple missed charges from my dispute. I also explained that the affidavit and acknowledgment letter were not correct and was missing information. I inquired about the list of charges and affidavit I had already supplied via complaint XXXX. The agent stated the company " never received '' these documents, I asked if it was alright to resend this information instead of completing the inaccurate affidavit and I was advised yes. The call is attached see " Call XXXX ''. The letter received is also attached see " XXXX XXXX '' files. This letter was mailed out to the address on the letters received directly from Discover via XXXX XXXX Mail. XXXX XXXX number XXXX shows delivered XX/XX/XXXX at XXXX XXXX XXXX, UT XXXX without redirect. XXXX information ( XXXX ) and the letter itself ( XXXX ) is attached. On XX/XX/XXXX, Discover mailed out a letter advising the dispute was denied. There were no denial reasons listed and no documents to support their investigation were enclosed. See attached file named " XXXX XXXX ''. On XX/XX/XXXX, Discover attempted to contact me regarding the rebill but this call was missed and the voicemail wasn't listened to until XX/XX/XXXX. On XX/XX/XXXX, I received the letter sent on XX/XX/XXXX. I called the number provided on the letter and spoke with the agent who worked my case. This agent advised the dispute was denied for various reasons. These reasons were payments made while disputed charges were on the balance without questioning the balance, there was continued use of the card during which the fraud occured, the app is accessed regularly to respond to alerts, and transactions were viewed without dispute. 1. As I advised in my original dispute with a sworn affidavit, I still had my card. My card was compromised via my XXXX account. As I still had my card I was still using my card and thus still making payments. I was not aware of the unauthorized charges at this time. Thus the denial reasons for making payments and continued use of the card are not valid and do not prove I made the purchases. 2. As I advised in my original dispute with a sworn affidavit, I was unable to closely monitor my account due to medical issues. Once I saw the unauthorized charges- which is when they state I viewed transactions without dispute ; however, this is exactly when I disputed the charges. The only time I viewed these transactions was when I was compiling information to dispute the charges. Thus the denial reason for viewing transactions without dispute is not valid and does not prove I made the purchases. 3. My cards were compromised through my XXXX account. I still had access to the app as did the individual who I was babysitting as I was babysitting in my house. This is exactly how the XXXX account was compromised. On top of this, I still used the app to make payments on my account because I still had access to the card. Thus the denial reason for continued use of the app is not valid. I explained this to the agent on XX/XX/XXXX and they stated they would redispute the items but it XXXX not change. I then requested for all the documentation used to decision my case- to which the agent stated to go to discover.com/fraud/faqs which is not what I requested and does not remedy the issue. This address provided by the agent also is not a valid address. I asked again for the documentation and the agent stated they would put me on hold for a supervisor without me asking for a supervisor. The agent returned and stated they have placed a call back request ( I have not received a call back ) for a supervisor when available. I stated I XXXX miss the call, and I began to ask for confirmation about the redispute when the agent hung up the call. See attached file " XXXX XXXX '' for the recording of this. The letter received is also attached see files XXXX XXXX. Discover is in direct violation of multiple federal laws and regulations with this abuse. 1. The charges originally disputed on XX/XX/XXXX were not addressed despite me provided a full list of charges and sworn affidavit. These charges have not been addressed to this date, the few charges that were have been rebilled. This is in direct violation of the XXXX which states the issuer must acknowledge the dispute within 30 days and come to resolution by 60 days. 2. During this time in which the disputed charges were ignored by Discover, I was still subject to making payments on the disputed charges. See attached statement named " XXXX ''. This is in direct violation of the XXXX which states financial institutions can not collect on disputed balances. XXXX. By both missing the disputed charges as well as denying the unauthorized charges for invalid reasons, the company is in violation of the FCRA as the reporting balance and payments due reported to the credit reporting agencies are inaccurate. 4. By advertising " {$0.00} Fraud Liability '' stating the cardholder will " never '' by responsible for unauthorized purchases without clarifying disclosures, Discover is in direct violation of XXXX as this is deceptive and not true as they have rebilled my account in error without sufficient evidence. See attached imagines " Disclosure1 '' and " Disclosure2 '' received directly from discover.com/credit-cards/card-smarts/credit-card-fraud-faqs. 5. The agent I spoke with which represents Discover on XX/XX/XXXX violated XXXX as well by creating circumstances that I can not reasonably control or avoid in regards to disputing my charges and requesting documents used to decision the case which itself is a violation of the XXXX - banks are required to provide this documentation. 6. By not performing a reasonable investigation Discover is in violation of the XXXX. I have done more than enough to communicate with Discover on what charges were disputed and how my card got compromised. I have taken steps to prevent this in the future by shutting down the compromised XXXX account used as well as changing my e-mail address as it had become compromised as well. Discover has at multiple points in this interaction disregarded information provided to them and have resorted to abusive practices to avoid having to correct the issue they caused. If the issue is not rectified regulatory commissions and the attorney general will be notified.
Company Response:
State: OH
Zip: 44312
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/2022, {$350.00}, marked missed payment on credit report, reported by XXXX XXXX XXXX. XX/XX/2022, {$0.00}, marked missed payment on credit report, reported by credit card company. XX/XX/2022, {$55.00}, marked missed payment on credit report, reported by credit card company. In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. As well as 15 USC 1681 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USCS 1666b. A creditor may not treat a payment on a credit card or loan account under an open end consumer credit plan as late for any purpose.
Company Response:
State: IA
Zip: 50701
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A