Date Received: 2022-12-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Discover is reporting negative information in a form of late payments to the consumer reporting agencies ( XXXX, XXXX, XXXX ) in reference to me as the consumer. Pursuant to 15 USC 1681s-2 ( a ) ( 7 ) ( E ), no federal law under the Fair Credit Reporting Act requires a financial institution to furnish negative information about a consumer to a consumer reporting agency. Furthermore, under the Federal Truth In Lending Act 15 USC 1666b ( a ) state that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. As a financial institution, as defined under the Gramm Leach Bliley Act, Discover failed to perform their obligation to respect and protect my privacy. Discover failed to provide me an adequate opt out notice and Ive NEVER granted Discover any lawful consent to disclose my nonpublic personal information to any nonaffiliated third party pursuant to 12 CFR 1016.7. By willfully reporting negative information to the consumer reporting agencies WITHOUT MY CONSENT constitutes as a form of punishment to defame my character. Discover actions are identified under 18 USC 894 for knowingly participating in any way, or conspiring to do so, by using extortionate means to punish me as the consumer. Having expressed these federal violations Discover breaking under the Fair Credit Reporting Act, Truth in Lending Act and Gramm Leach Bliley Act, I am demanding Discover to CEASE AND DESIST these illegal actions. Pursuant to 12 CFR 1016.7 ( g ) Discover is required to comply with this opt out notice upon receipt and comply with the follow
Company Response:
State: PA
Zip: 19142
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
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 have a medical condition that causes extreme hair lost. I contacted XXXX at XXXX hair Enchancements on XXXXshe promised to make a custom hair system for me. I paid her {$1500.00}. The hair system was tacky and did not fit. XXXX did not want to refund me the money. I also paid her deposit on XXXX and XXXX for another custum system that i have not received nor do i want her to make it for me. I open a dispute with Discover on XXXX. They returned the XXXX back to her because the said even though i am not happy with the system and service she did produce me the the hair system. DIscover and Fairwinds are still investigating my dispute of the deposit i made for the 2nd hair system. This women scamed me and distroyed XXXX on my own personal wigs i paid {$500.00} for each one. I have contacted XXXX and dept of business and professional regulation. This women gave me a business card under XXXX XXXX and her website. PREMIERHAIR.NET her name is XXXX XXXX. Neither name appear under XXXXXXXX XXXX or XXXX. The only person who has a license at XXXX XXXX per these organization is XXXX XXXX XXXX. XXXX refuses to refund me any of my money and Discover will not credit my account. I am not a scammer i have XXXX XXXX XXXX.
Company Response:
State: FL
Zip: 32817
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
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: My Name is XXXX XXXX, XXXX : XXXX was a fraudulent account and paid in full still shows in my credit report. XXXX XXXX XXXX : Nothing is due account was closed long back still shows negative in my credit report. Discover Credit card was a fraudulent charges was paid and cleared up still shows up in credit report XXXX XXXX XXXX Never used never asked for credit card and they are charging me? XXXX card fully paid and current shows potentially negative and late payment? XXXX XXXX : is in good standing and never late still shows in my credit report. XXXX XXXX : Product was returned and confirmed with vendor servicing XXXX, however they are still charging me and sent for collection.
Company Response:
State: NJ
Zip: 07424
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Multiple mailings from Discover for promotional APR which then do not match " their available offers '', very time consuming and misleading. Feel vulnerable as they now have my info and really can not explain anything about why. I applied via scan code, computer application, and phone. They are not going to give you what they have offered by mail.
Company Response:
State: MI
Zip: 499XX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I fell behind on payments by about XXXX months. The company had me on a payment plan to help but the payments were still too much. I was given an offer of XXXX XXXX interest and the they close the account or make a one time payment to keep the card. So I made a one time payment of {$1100.00} on XX/XX/2022 to keep the card open. To my surprise credit karma alerted me that my card was closed as of XX/XX/2022. I contacted discover about a week ago to complaint about this and have my card opened or the interest brought down to XXXX % since they closed my card. I received no resolution even though I threaten to report this udap violation. To this day Im still stuck at a higher interest rate with a closed card Im forced to make payments on even though I am still recovering from my financial hardship.
Company Response:
State: CO
Zip: 80910
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone has been using my personal information to open accounts without my knowledge.
Company Response:
State: TX
Zip: 75154
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: XXXX XXXX XXXX XXXX, Mississippi XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX Discover Card Services Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Open Letter for Open Records for PROPER RECORDS Card Ending XXXX : or Claim Number __________________________ Dear XXXXXXXX XXXX XXXX : Attached you will see a notification received through Discover Card Service regarding the verification of my tax return which will be sent over to my legal counsels of records and my certified public accountant for full review and to question as to why is XXXX in my personal business and in my personal affairs in regarding my tax returns and to question me or to even ask me for verification of such tax returns. I express this in my answer to this form that I consider to be as bogus as they XXXX come. Since XXXX wants to verify such records as my tax return and thinks that they are entitled to my tax returns transcripts. I too would like XXXX to send their records request to the XXXX XXXX XXXX XXXXXXXX, Department of Veteran Affairs, and any other employer of record to get whatever records they may need in nature to their request. Ask them all for their PROPER RECORDS under verification and attached their W-2s C, rules, and regulations, applicable laws, and statutes to support their records under this verification process. I am not consenting to anything anymore in this country until your business or government agencies produce the PROPER RECORDS under sworn affidavits officially signed and sealed under blue and black ink by the authorized representative just like your return records are trying to get me to do. Discover Card Service and XXXX XXXX XXXX are not the same company or business or are not sister agencies among each other. Now that you have this OPEN RECORD which I will continue to keep open for the general public to read and review and as well as draw concerns XXXX XXXX XXXX has no right to be trying to probe into my personal life and private affairs trying to use some undercover tactics to get my tax returns or tax returns transcripts. Now that you are in here and we are verifying records please request that all your governments records be officially and legally signed off on in black and blue ink by the authorized representatives and attached the rules, regulations, policies, applicable laws, and statutes to your PROPER RECORD for full review and complete understanding. This is a very simple OPEN RECORD request for ALL your PROPER RECORDS under the name of XXXX XXXX XXXX. If there is any debt owed or due, then such PROPER RECORDS must be attached with a legal receipt of record for full payment and payment processing. I am returning your records attached for evidence for more work and a full explanation of who, what, when, and where such person or body of people gave you my information to run and to try to get me to consent to something that I clearly dont appreciate. If any things are to be reported to XXXX XXXX XXXX XXXX Discover Card Service reporting any kind of late payments or delinquencies? Now produce my credit profile/credit report with all receipts or amount owed due or that is late with Discover Card Services. If you have any issues or problems, you have my consent in this written communication to contact my legal counsels of records and my certified public accountant for they too will be getting this communication to support your email request for any records of mine under a sworn affidavit with your paperwork signed off on in blue or black ink only. You suppose to have everything about me since you have my name, date of birth, and social security number. The records that I have from you that you provided to XXXX XXXX XXXX, XXXX. will be returned for more work as well. If you have a legal counsel of record on staff or that is representing you, then please share this open letter with him or her to further assist you. If I can sign records, then so can you officially and legally sign off on such records under the exact name of the person listed in the signature block for full accountability. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX CC : XXXX XXXX XXXX XXXX IRS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
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: *********************** REVISED COPY ( XXXX ) ******************* XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ___________________________________________________________________ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Discover Card Services Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Open Letter for Open Records for PROPER RECORDS Card Ending XXXX : or Claim Number __________________________ Dear XXXX of Records : Attached you will see a notification received through Discover Card Service regarding the verification of my tax return which will be sent over to my legal counsels of records and my certified public accountant for full review and to question as to why is XXXX in my personal business and in my personal affairs in regarding my tax returns and to question me or to even ask me for verification of such tax returns. I express this in my answer to this form that I consider to be as bogus as they may come. Since XXXX wants to verify such records as my tax return and thinks that they are entitled to my tax returns transcripts. I too would like XXXX to send their records request to the Department of the XXXX, Department of Veteran Affairs, and any other employer of record to get whatever records they XXXX need in nature to their request. Ask them all for their PROPER RECORDS under verification and attached their XXXX C, rules, and regulations, applicable laws, and statutes to support their records under this verification process. I am not consenting to anything anymore in this country until your business or government agencies produce the PROPER RECORDS under sworn affidavits officially signed and sealed under blue and black ink by the authorized representative just like your return records are trying to get me to do. Discover Card Service and XXXX XXXX XXXX are not the same company or business or are not sister agencies among each other. Now that you have this OPEN RECORD which I will continue to keep open for the general public to read and review and as well as draw concerns XXXX XXXX XXXX has no right to be trying to probe into my personal life and private affairs trying to use some undercover tactics to get my tax returns or tax returns transcripts. Now that you are in here and we are verifying records please request that all your governments records be officially and legally signed off on in black and blue ink by the authorized representatives and attached the rules, regulations, policies, applicable laws, and statutes to your PROPER RECORD for full review and complete understanding. This is a very simple OPEN RECORD request for ALL your PROPER RECORDS under the name of XXXX XXXX XXXX. If there is any debt owed or due, then such PROPER RECORDS must be attached with a legal receipt of record for full payment and payment processing. I am returning your records attached for evidence for more work and a full explanation of who, what, when, and where such person or body of people gave you my information to run and to try to get me to consent to something that I clearly dont appreciate. If any things are to be reported to XXXX XXXX XXXX XXXX Discover Card Service reporting any kind of late payments or delinquencies? Now produce my credit profile/credit report with all receipts or amount owed due or that is late with Discover Card Services. If you have any issues or problems, you have my consent in this written communication to contact my legal counsels of records and my certified public accountant for they too will be getting this communication to support your email request for any records of mine under a sworn affidavit with your paperwork signed off on in blue or black ink only. You suppose to have everything about me since you have my name, date of birth, and social security number. The records that I have from you that you provided to XXXX XXXX XXXX, XXXX. will be returned for more work as well. If you have a legal counsel of record on staff or that is representing you, then please share this open letter with him or her to further assist you. If I can sign records, then so can you officially and legally sign off on such records under the exact name of the person listed in the signature block for full accountability. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX CC : XXXX XXXX XXXX XXXX IRS ) Certified Public Accountant ( CPA ) Legal Counsel of Records
Company Response:
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are Inquiries that are reflecting on my credit report that I have not authorized
Company Response:
State: VA
Zip: 23324
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2022, I decided to open a Discover Bank XXXX Account online. Discover Bank was offering a special bonus of {$150.00} if the savings account was opened with {$15000.00} and held for at least 30 days. Near the 45 day mark, I contacted Discover Bank through their online message system. The customer service agent ( XXXX ) notified me that a promo code was not applied to the account to receive the bonus offer. At origination, Discover did not disclose a promo code. A promo code input field was not available during the application process. The savings account was opened using links on Discover Bank 's online offer site. Discover Bank Customer Service stated that they can not provide the bonus unless I provide the promo code for the offer that was on their website at origination. Discover Bank 's website for the savings account did not provide any promo code. I opened the account through the links provided by Discover Bank and abided by the terms of the bonus. I would like Discover Bank to credit my account the {$150.00} bonus and provide the adequate XXXX showing the bonus for 2022.
Company Response:
State: TX
Zip: 77009
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A