Date Received: 2023-12-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I recived a offer from Discover to open a secured credit card. I accepted, gave {$2500.00} securty deposit. Account opened, then closed 2 days later. This has damaged my credit reputation.
Company Response:
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX Consumer Financial Protection Bureau Case # : XXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent Discover you stated that my Acct # XXXX, was properly investigated. You also stated : Our records confirm we have received and responded to multiple credit bureau disputes and have responded in each instance that your account and balance are accurately reporting and valid. As such, we are unable to honor your request to remove the reporting for the above-detailed account from your credit files, as it is a factual representation of what occurred, and we are obligated to report true and accurate information to the credit reporting agencies. However, due to your dispute, we have reported the account to the credit reporting agencies as disputed and will continue to report it as such unless you tell us to stop reporting them as disputed. The credit reporting agencies that we report to are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THE ACCOUNT IS CURRENTLY REPORTING INACCURATE INFORMATION The Date Of Last Activity is reporting inaccurately per my Consumer Report Dated XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The Last Payment Date is reporting inaccurately per my Consumer Report Dated XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The Payment History is reporting inaccurately per my Consumer Report Dated XX/XX/XXXX XXXX 30 DAYS LATE XXXX, 60 DAYS LATE XXXX, 90 DAYS LATE XXXX, 120 DAYS LATE XXXX, XXXX XXXX XXXX 30 DAYS LATE XXXX, 60 DAYS LATE XXXX, 90 DAYS LATE XXXX, 120 DAYS LATE XXXX, XXXX XXXX This is grounds for removal. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states ; that if items are found inaccurate or can not be verified, the consumer reporting shall promptly delete the information from the file of the consumer 15 USC 1681e ( b ) : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. 15 USC 1681i ( a ) ( 5 ) ( A ) : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Delete this account I HAVE INCLUDED SUPPORTING DOCUMENTS DEMONSTRATING YOUR INACCURATE REPORTING
Company Response:
State: MD
Zip: 20782
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Already reported to Identity Theft. The hard inquiries are result of identity theft and need to be removed no later than four business days, as per 15 USC 1681, C-2.
Company Response:
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
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: Dear XXXX, I am writing to let you know about my concern about an ongoing issue related to our credit account. We had previously received a letter confirming that the problem had been resolved, and the information was updated in the three major credit bureaus. However, we were later informed that the account needed further correction. The issue is that while we had the account open, it was accessed and altered without our knowledge. Due to our health conditions, my husband and I were XXXX with XXXX and couldn't monitor the account. Our friends and family made monthly payments without checking the account details. Although we fully resolved the issue through back-and-forth communication, we were recently invited by the CFPB and FTC to continue the process until it is entirely resolved. We both discovered that the account was compromised, and we closed it and paid the outstanding amount using linked accounts. It has been a nightmare for us, especially since we are a XXXX military family that relies on the account 's stability. We have been back and forth with this issue, and it's now outside the allowable period for discovery. The accounts should be wiped clean, and new cards should be issued immediately. Text messages and links were sent previously, and I thought you had all the necessary details since they were included in the original police report. I appreciate your hard work and time on this, given the current understaffing and overloading workload. I want to request that you continue to help me resolve this issue, as I have been passed around and forced to start from scratch each time. We can go ahead and resolve this matter entirely before the year ends. Thank you so much for your help. Best regards, XXXX and XXXX XXXX From : Executive Office of Discover Financial Services XXXX Sent : Wednesday, XX/XX/2023 XXXXXXXX XXXX To : XXXX XXXX Subject : Consumer Financial Protection Bureau ( CFPB ) Inquiry Dear XXXX XXXX, Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are adequately addressed, your inquiry has been forwarded to my attention within the Executive Office of Customer Advocacy at Discover. I'm currently looking into your concerns. I will send a detailed response to you when I finish my investigation. If you have any questions or want additional information, please contact me at ( XXXX ) XXXX. I am typically available Monday-Friday, XXXX XXXXXXXX XXXX. ET. Sincerely, XXXX Executive Office of Customer Advocacy Public
Company Response:
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
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: Contacted credit card immediately after realizing there was multiple charges made on my card that I did not recognize. Spoke to them multiple times explaining the situation. Gave them documents backing up my explanation. They have approved for out of the 12 charges to be disputed but denied the other eight. Called back immediately explaining that I spoke to the company directly. Company was unwilling to refund me even after recognizing what went wrong on their end. Called back the credit card explaining my interaction with the company regarding the charges. Was then told to go back to the company and basically beg for them to refund. I have now acquired more documentation supporting my dispute with no resolution.
Company Response:
State: NY
Zip: 128XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Dear XXXX, I am writing to let you know about my concern about an ongoing issue related to our credit account. We had previously received a letter confirming that the problem had been resolved, and the information was updated in the three major credit bureaus. However, we were later informed that the account needed further correction. The issue is that while we had the account open, it was accessed and altered without our knowledge. Due to our health conditions, my husband and I were hospitalized with XXXX and couldn't monitor the account. Our friends and family made monthly payments without checking the account details. Although we fully resolved the issue through back-and-forth communication, we were recently invited by the CFPB and FTC to continue the process until it is entirely resolved. We both discovered that the account was compromised, and we closed it and paid the outstanding amount using linked accounts. It has been a nightmare for us, especially since we are a XXXX XXXX XXXX that relies on the account 's stability. We have been back and forth with this issue, and it's now outside the allowable period for discovery. The accounts should be wiped clean, and new cards should be issued immediately. Text messages and links were sent previously, and I thought you had all the necessary details since they were included in the original police report. I appreciate your hard work and time on this, given the current understaffing and overloading workload. I want to request that you continue to help me resolve this issue, as I have been passed around and forced to start from scratch each time. We can go ahead and resolve this matter entirely before the year ends. Thank you so much for your help. Best regards, XXXX and XXXX XXXX From : XXXX XXXX XXXX Discover Financial Services XXXX Sent : Wednesday, XX/XX/2023 XXXX p.m. To : XXXX XXXX Subject : Consumer Financial Protection Bureau ( CFPB ) XXXX Dear XXXX XXXX, Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are adequately addressed, your inquiry has been forwarded to my attention within the XXXX XXXX XXXX XXXX XXXX at Discover. I'm currently looking into your concerns. I will send a detailed response to you when I finish my investigation. If you have any questions or want additional information, please contact me at ( XXXX ) XXXX. I am typically available XXXX, XXXX XXXX XXXX. XXXX. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This letter is to formally notify you per the Fair Credit Reporting Act 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 consumers right to privacy. '' XXXX, XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 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. DISCOVER BANK is a financial institution by definition under 15 USC 6801. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' DISCOVER BANK the financial institution and the Consumer reporting agencies XXXX, XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, XXXX and DISCOVER BANK whether it be verbal, non-verbal, written, implied or otherwise is revoked.15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' DISCOVER BANK never informed me of my right to exercise my nondisclosure option. Not only 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 the 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. '' This account is an adverse item they are reporting without my permission which is against the law.15 U.S. Code 1681s2 ( A ) ( 1 ) A 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 U.S. Code 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, XXXX and XXXX are not maintaining reasonable procedures. Also,12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting this account out of your reporting services effective immediately.
Company Response:
State: GA
Zip: 30033
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XX/XX/XXXX I was out of the country on XXXX XXXX I tried to use discover banks wire transfer service to pay a tour guide recipients ( an account I have sent to before ) Amount was XXXX including {$30.00} wire transfer fee. When I sent a wire transfer a few months prior, he received the money within 24 hrs. This time I spent a week straight looking for where the money had gone. Even going with the tour guide to his bank to track it down. No luck. We are now at XX/XX/18. And discover still has no idea where my money went. Every time I speak with them theres almost no reassurance that Ill get my money back at all. Its almost a XXXX XXXX XXXX XXXX XXXX. I spent time trouble shooting asking the rep if theres something I did wrong on the swift code and she said it looked identical to the successful wire I did a few months before. I really need this money back because I had to drawl to still pay him. I hate that Im supposed to just accept that my moneys been gone for over a month with no answers. The recall has been in place for a few weeks with no updates as of a few days ago. Please help.
Company Response:
State: NJ
Zip: 08234
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My son, who has a gambling disorder, used our Discover credit card over the summer of 2023 for online gambling with XXXX. What I find sickening is that Discover allowed the entire credit line to be used for online gambling. I confirmed that my credit card agreement with Discover shows online gambling charges are considered a cash advance. So instead of owing a small % of my credit line ( as per the contractual agreement ), I am being held to the full amount. How many consumers are being held responsible by Discover for this irresponsible lending practice? What reputable credit card company allows consumers to gamble their entire credit card line? I contacted Discover multiple times for an explanation of this consumer protection failure but have never received a response. They have never explained to me why my full line of credit was able to be charged instead of a small % as cash advance ( contrary to the contractual agreement ). If Discover wants to be a company that helps consumers with a brighter financial future, this type of practice is not convincing.
Company Response:
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I applied for a credit card from a local credit union. They ran a credit report but I had a credit freeze due to previous ID theft and Fraud related to the ID theft. They told me I had to contact the credit bureau to correct my information. I ran my report and saw that when I recently moved, I forgot to update my phone number. I sent a letter with tracking to the credit bureau requesting they update my phone number. Never received a response. Instead my personal statement got deleted and my credit rating dropped precipitously ( about 100 points ) between XXXX and XXXX yet nothing else had changed about my credit card payment or anything else. I believe it was related to this inquiry in some shape or form.
Company Response:
State: WA
Zip: 986XX
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A