Date Received: 2023-01-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I never agreed to this company reporting on my credit profile. Under 15 usc 1681b It's my right to opt out.
Company Response:
State: GA
Zip: 31906
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
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 serious concerns that Discover Bank is not adhering to the Fair Credit Billing Act, as it relates to my rights to a timely, accurate, fair, transparent, and equitable dispute process regarding the non-receipt of merchandise from a merchant. I believe I have presented more than sufficient evidence below, as well as corrected several misstatements by Discover, to warrant and immediate crediting of my account in the amount of {$190.00}. As I have detailed above, these procedural biases in favor of the merchant do not seem fair or appropriate, and could be due to the commercial relationship it has with XXXX. At the very least, it raises conflict of interest concerns. Any fair-minded reviewer of the evidence to date must agree the transaction should not be upheld. I therefore believe Discover is not acting in the spirit of an unbiased arbiter in this dispute ( as mandated by the Fair Credit Billing Act ), and am fearful of the eventual final outcome as well.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My own mother ruined my credit when I was younger she would always make me get on the phone and tell companies I agree and I never knew what it was for until later in life when I tried doing this with credit and was denied and I checked and saw so many debts left unpaid from companies she would frequently purchase from, she denied and then eventually told the truth but in true narcissistic fashion she blamed me saying it was my fault because as a child I asked for things that were expensive so instead of saying no she committed fraud using my name and ruined my credit with no intention of ever paying it back or fixing it, I was finally able to move away and when I did I realized just how bad it actually was I am denied from everything and struggling with my own child because I have this large debt that was not my fault.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act, Discover Bank # 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 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. XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My name is XXXX XXXX XXXX XXXX Social Security XXXX is XXXX My date of birth is XX/XX/XXXX My son 's name is XXXX XXXX XXXX My son 's Social Security Number is unknown to me My son 's date of birth is XX/XX/XXXX BOTH my son and myself are being incorrectly reported for XXXX in delinquent debt after the lender Discover Student Loans settled the account and agreed it was paid in full with a lump sum payment of XXXX XXXX Our Discover Student Loan account numbers and balances in question, are as follows : XXXX XXXX Account number ending in XXXX, Attorney file ID XXXX, full account balance {$29000.00}, XXXX % agreed lump sum settlement amount {$20000.00} XXXX XXXX Account number ending in XXXX, Attorney file ID XXXX, full account balance {$13000.00}, XXXX XXXX agreed lump sum settlement amount {$9200.00} XXXX XXXX Account number ending in XXXX, Attorney file ID XXXX, full account balance {$5300.00}, XXXX XXXX agreed lump sum settlement amount {$3700.00} Settlement offer letters and acknowledgement of settlement received from Discover 's Attorney are attachments. Description of problem : I am a signatory on student loans for my son. There are XXXX loans. I paid off the balance of all three loans using a negotiated lump sum payment. Discover Student Loans agreed to accept a XXXX XXXX lump sum payment as satisfaction in full of the debt. This agreement was made through the attorney Discover Student Loans asked us to deal with, rather than direct with Discover Student Loans. The attorney that agreed to the lump sum settlement payment is XXXX XXXX XXXX, XXXX. The address of the office servicing this account for XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX MA XXXX. The telephone number for that office is XXXX. XXXX agreed to remove negative credit reports and report the XXXX accounts as paid in full. The settlement payment by me was in the form of XXXX bank checks from XXXX XXXX made to XXXX and XXXX, with the account numbers written on the checks. The checks were mailed in XX/XX/XXXX, and the official settlement date is XX/XX/XXXX when XXXX received and deposited the XXXX checks. On XX/XX/XXXX Discover reported my account as a XXXX balance, delinquent, and a chargeoff, in violation of their agreement with me. We discovered the error in XXXX and contacted both Discover and the Attorney on XX/XX/XXXX. Discover subsequently removed the negative report and simply reported the account as closed and settled, with a XXXX outstanding balance. That correction was confirmed on my next credit report I checked on XX/XX/XXXX. Discover again reported me delinquent, the account as not settled and a chargeoff, which I discovered on XX/XX/XXXX. Once again this violates the agreement Discover made to consider my debt satisfied in full.
Company Response:
State: TX
Zip: 79720
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received statements from both Discover and XXXX XXXX in XXXX of XXXX indicating that I owed balances on credit card accounts. On XX/XX/XXXX, I sent letters to the XXXX or each company requesting that they validate the alleged debts within 10 days by providing information as required by USC 1692 ( G ). After not receiving validation of the debts, I followed up with the companies. On XX/XX/XXXX I sent a Notice of Fault to each company informing them that I still had not received the required items to validate a debt per USC 1692 ( G ), and asked them once again to provide the items required by the USC to validate a debt. Since I still had not received validation of the alleged debts from either company by XX/XX/XXXX, I submitted an FTC Identify Theft Report. I submitted this report since I believe that these accounts are fraudulent, and I am the victim of identify theft. As of XX/XX/XXXX, I have still not received validation that these debts belong to me. I have, however, received calls, letters, and texts from both companies repeatedly demanding payment for these alleged debts. Recently, Discover sent me a letter indicating that they were preparing to file a lawsuit against me for failure to pay this alleged debt. Additionally, aside from harassment, Discover and the Credit Reporting Agencies ( XXXX, XXXX, XXXX ) have damaged my financial reputation by indicating that I owe these debts. With this complaint I am once again requesting that Discover provide validation that this debt belongs to me per USC 1692 ( G ). If no such validation can be provided, I demand that these accounts be removed from my credit report immediately.
Company Response:
State: CA
Zip: 93555
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Please read attached document. I've endured adverse action and was discriminated against pursuant to Equal Credit Opportunity Act by this financial institution. This financial institution also committed unauthorized use of my credit card ( SSN ) pursuant to Truth-in-Lending Act.
Company Response:
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The credit bureau never did a proper investigation according to the FCRA.
Company Response:
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Discover closed my account XXXX weeks after opening it. Letter stated some error that I didnt have a phone number on file with XXXX. This is incorrect. I called in XXXX to find out when the remaining deposit of XXXX and change would be refunded. They stated XXXX billing cycles, which would not be until some time in XXXX. They were quick to pay the balance of XXXX and change out of my original XXXX deposit and now they wont refund me in a timely manner? This to me is unacceptable.
Company Response:
State: FL
Zip: 34983
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The North Carolina XXXX XXXX accepted my complaint and entered it into record and assigned the complaint for investigation and have initiated an investigation into the violation that an in fact attorney - acting as a debt collector violated my rights when the law firm - XXXX XXXX - through a NC XXXX certified attorney, company staff, XXXX XXXX XXXX, Attorney violated my rights when a Letter was delivered to me through the U.S. Mail signed by the same attorney listed above - violated the Fair Debt collections practices act when the letter contained a demand for monies allegedly owed by me and that the amount the law firm and attorney for Discover Card, by the content signed by her, was in fact more - over and above the amount that their client Discover Card, has attested in dozens of complaints where Discover Card has stated multiple times through their own validation of the debt amount which is and always has been {$2300.00} as indicated on an attached document with this complaint. The attorney, the law firm of her employment, and their client as a whole violated my rights and FDCPA, Federal laws when they attempted to collect {$1100.00} more than the reported amount by their own client, Discover Card. Federal and state laws have been violated by the attorney, firm, and Discover card clearly and indisputably along with my rights being violated under both NC General Statutes and Federal law- and are both have Statutory fines that I am entitled to. {$1000.00} for the Federal violation and {$4000.00} for the NC state violations- Also, Discover Card falsely reported to the credit bureaus that I had made three satisfactory monthly payments, three months in a row and was in fact deceptive in this false reporting to the credit Bureaus of this charged off account in an attempt to reset the 7 year collections rule x, all regarding this one Discover Bank charged off account - when in fact I never paid any months payments to charged off account. XXXX XXXX XXXX XXXX. False or misleading representations A debt collector XXXX not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( XXXX ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or
Company Response:
State: NC
Zip: 28411
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A