Date Received: 2022-12-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Discover ( current collection handled by XXXX XXXX XXXX ) is still reporting a fraudulent account ti my XXXX credit report, that was opened in my name. Discover account ending in : XXXX, Account starting with : XXXX, XXXX : {$2000.00}. I have mailed a copy of my official identity theft police report to Discover three different times : in XX/XX/2022, XX/XX/2022, and XX/XX/2022. I have also mailed a copy to XXXX XXXX XXXX, their debt collector attorney. Discover is violating FCRA 605B, which states that any fraudulent account must be removed and cease collection within four days after the receipt of an official legal document stating identity theft, such as an official police report. I also filed a dispute with XXXX for illegal credit reporting and collection attempts, and notified Discover and their collector XXXX XXXX XXXX that I will be pursuing legal action should this item keep reporting. It is still illegally reporting to credit bureau XXXX. I am attaching a copy of my official police report ( XXXX XXXX Police Report incident # : XXXX ) once again, with this XXXX dispute. If this is not fixed by Discover immediately, I will be pursuing legal action against Discover as I have documented and retained a copy of all contact by mail, by phone, and via online through CFPB and XXXX.
Company Response:
State: CA
Zip: 94112
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
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 have submitted two prior complaints through the CFPB portal directly regarding Discover Banks. Both times, Discover Banks has lied and stated they have mailed me the results to my dispute on this matter. Please refer to CFPB complaint # XXXX that was submitted on XX/XX/XXXX. In this complaint, I respectfully asked Discover Banks to cease-and-desist from sharing my non-public personal information to non-affiliated third parties per 15 USC 6801, 15 USC 6802, 15 USC 6803. 15 USC 6809, and the Gramm-Leech Bliley Act of 1999. Instead of following my demands, they responded with a bogus response of we mailed you the results. That was a lie, that was sent over through the CFPB on XX/XX/XXXX and it is currently XX/XX/XXXX and I still have not received anything in the mail. Never will. Discover Banks lied and said they mailed me a detailed response to my complaint. It has been almost two months, and I have not received anything in the mail regarding this matter. This financial institution is playing games, and this is a stall tactic on their end. They are infringing on my federally protected rights to privacy per 15 USC 6801, 15 USC 6802, 15 USC 6803 and 15 USC 6809, by sharing my non-public personal information to non-affiliated third parties. Discover Banks account # XXXX that is reporting on my consumer report is not fair and is partial. It is reporting wrong across all three major CRAs ( XXXX, XXXX, and XXXX ), and is reporting income on my consumer report, per IRS publication XXXX. They are also breaking 15 USC 1681 to fair and accurate credit report. In addition to this, Discover Banks has also violated 15 USC 1681i ( a ) ( 7 ) by not responding within thirty ( 30 ) days. This account # XXXX needs to be deleted immediately for failure to respond per 15 USC 1681i ( a ) ( 7 ). Per 15 USC 1681i ( a ) ( 7 ), A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. I never received a response to this matter. Their response was we put it in the mail. They put nothing in the mail. They should have to post their response in the CFPB portal to avoid this fraud and stall tactic theyre using. By the two-week mark of not hearing a response from my first complaint, I submitted another complaint through the CFPB, please refer to CFPB complaint # XXXX that was submitted on XX/XX/XXXX. In this complaint, I addressed the same concerns regarding Discover Banks ignoring my demands to cease-and-desist from sharing my non-public personal information with non-affiliated third parties. I also addressed the matter of Discover Banks NOT responding to my initial complaint dated on XX/XX/XXXX and how XXXX, one of Discover Banks Executive Office Representatives, blatantly did not address my concerns regarding my complaints. Both times I sent CFPB complaints, the same XXXX who works for Discover emailed me. The first email was received on XX/XX/XXXX and the second email was received on XX/XX/XXXX ( please refer to exhibits below ). Per my second CFPB complaint ( referring to CFPB complaint # XXXX ), Discover responded with we responded to XXXX XXXX since they were representing you. This is also a lie! Yes, Beyond Finance WAS representing me with a POA, but since then it has been revoked on XX/XX/XXXX after I discontinued their services. Just to verify is Discover Banks sent Beyond Finance the results, I went ahead and called Beyond Finance myself on XX/XX/XXXX. Discover Banks did NOT send XXXX XXXX with a response to my CFPB complaint # XXXX like their response states. I called XXXX XXXX myself on XX/XX/XXXX and spoke to two different representatives : XXXX and XXXX, both who informed me that Discover Banks never mailed any documentation to them on my behalf. Please call XXXX XXXX yourself and they will tell you the same thing ( XXXX ) XXXX. Also, the phone number Discover told me to call and speak to XXXX XXXX directly did NOT work. That line is disconnected. XXXX, one of Discover Banks employees for Customer Advocacy,, is a liar and blatantly infringing on my requests and demands to privacy. He and Discover Banks financial institution are knowingly breaking federal law. I demanded on XX/XX/XXXX for Discover Banks to Cease and Desist from sharing my non-public personal information with non-affiliated third parties. This company has ignored my requests and has defaulted. By doing this, they are breaking the law per 15 USC 6801, 15 USC 6802, 15 USC 6803, 15 USC 6809, and the Gramm-Leech Bliley Act of 1999. They are also not reporting fairly or accurately on my behalf since they are reporting income on my consumer file which is against the IRS publication XXXX for cancelled debts. They are reporting a charge-off status every month which is inaccurate and are repeatedly reporting late payments on a charged off account. This financial institution is violating 15 USC 1681 to a fair and accurate credit report and violating my rights to privacy. I also demanded a copy of the agreement where is clearly and conspicuously discloses the sharing of my non-publics personal information. They have failed to provide me the proper documentation regarding this matter as well. Or to them its IN THE MAIL. Lies and lies. Please SHOW ME the PROOF Discover Banks that YOU sent ANY documentation in the mail. I doubt you can show that because it is a LIE. They failed to RESPOND AT ALL. They have defaulted multiple times for multiple reasons. They are not complaint with federal laws including the FCRA. They are playing games and breaking the law on my behalf, a federally protected consumer. I have endured lots of pain and suffering due to this account fraudulently reporting on my behalf. I have been denied credit, vehicle loans, and a mortgage due this financial institutions unlawful practices. I requested Beyond Finance to mail Discover Banks the revoked POA paperwork on XX/XX/XXXX and I also have paperwork on my behalf how they are no longer responsible for my accounts that were previously enrolled in the program ( please refer to exhibit ). After not hearing from Discover Banks TWICE, I decided to file an Attorney General Complaint and a complaint with the Florida Department of Agriculture and Consumer Services ( Case # XXXX ). These complaints were filed on XX/XX/XXXX. The only time that I have received any mail from Discover Banks was AFTER the Florida Department of Agriculture and Consumer Services reached out to Discover Banks on my behalf. I got a response from XXXX, one of the Executive Office members of Customer Advocacy. The letter was dated on XX/XX/XXXX but was received on XX/XX/XXXX ( please see exhibit ). I demand this company to STOP their stall tactics and to remove this account from my consumer report immediately! Nothing is fair or partial on this account. I have already filed an FTC report ( that Discover is well aware of ) and have escalated this to federal and state complaints. Due to the intensity of needing to dispute information on my consumer report and not hearing a response in a timely fashion, Discover has caused me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been denied credit card applications due to these fraudulent accounts being on my report, I have been denied vehicle loans and the auto loan I did get on my truck resulted in a VERY high interest rate of 24 %, I have been denied additional lines of credit ( please see exhibit below for not getting approved for a Credit Card through XXXX XXXX ), I have been denied increased credit card limits, I have been denied a mortgage for a home for my family. ALL of this is due to Discover Banks fraudulently reporting on my behalf without my verbal or written consent. I have endured years upon years of continuous denial, along with pain and suffering from Discover Banks and their impermissible reporting of information on my consumer report. Not only has this company caused pain and suffering, but they are also preventing my family from getting a home via a mortgage loan, being unable to refinancing my vehicle loan to a lower interest rate to save money, and not being able to obtain new credit cards with better rates. Clearly, I have been severely impacted by this company. This is also a defamation of character on my behalf. These accounts being reporting on my consumer file wrongfully and non-consented are a false statement of who I am as a human, a person of society, and a career driven mother. Please note that I am also reporting this matter to the major CRAs for Discover Banks blatantly breaking the law.
Company Response:
State: FL
Zip: 34667
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy Pursuant to 15 USC 1681 b2
Company Response:
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-25
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 submitted a fraud claim to Discover for a new credit card opened up where I saw several unauthorized charges in XXXX and XXXX from the beginning on XX/XX/2022. The XXXX department opened a claim/investigation and I spoke with someone from that department maybe XXXX times during the investigation to provide additional details. XXXX XXXXXXXX I noticed that all of the charged were reversed from the adjustments made resulting in my account balance being increased again. I am not responsible for these charges, I did not authorize anyone to make these charges and they need to be removed permanently. Discover is negligent in protecting me as a customer when the card is supposed to be secure with a number of protections in place as their client.
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2022-12-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-25
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 Made A Purchase XX/XX/2022 For XXXX For A Laptop Computer On XXXX And At That Time I Wasn't Aware That It Was A Third Party Selling On XXXX 's Web Site.This Third Party Falsely Advertised This Laptop 's Specification 's So I Opened A Dispute With Discover. I Been A Customer With Discover For 28 Years And Never Been Disrespected Like This Before, I Uploaded All The Necessary Documents Supporting My Reason For The Dispute so They Gave Me a Temporary Credit, Then We Were Waiting For The Third Party To Respond, When The Third Party Responded They Said I Violated Their Return Policy And Discover Completely Ignored The reason For My Dispute And Found It To Be In Their Favor And Said the Transaction Was Valid. I Reopened The Dispute Multiple Times And Each Time I Called Discover And Explained That This Wasn't About A return Policy, I Called At least XXXX Times And Spoke To Multiple Different Supervisors And They Continued To Tell me The Transaction Was Valid, I Was Treated Very Rudely And Was Even Hung Up on A XXXXple Times. Then I Made A couple Complaints About A Couple Of Employees. I Have Uploaded Documents Supporting This Issue. At This Time They Again Are Waiting For Their Response. They Keep Using The Same Reason And Discover Continues To Close The Dispute In Their Favor. When You Look At my Documents Supporting This Dispute You Will See This Is More Than Just False Advertising And That This Was No Mistake
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I signed up for and was approved for the XXXX XXXXXXXX card. I was asked to sign a XXXX after making sure information was correct. I noticed that the word `` Avenue '' in the address line was abbreviated to " AV '' and made the correction to " AVE. '' I received a follow-up email saying that I would need to sign the form again or else my account would be closed. I received a new form with the correction I made to it. I signed this form immediately upon receiving the new form. About a week later, after paying down early roughly {$60.00} in charges to bring my account balance to {$0.00}, I received an email saying that my account was closed after a recent review. It was stated in the email by Discover that they couldn't verify personal info but they didn't specify what info and said if I had any questions that I should send a letter in the mail. Currently my account sits at {$9.00} after a pending transaction went through, but the account is closed.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In Accordance with the Fair Credit Reporting Act, Discover, has violated my rights. 15 U.S.C section 602 A. States I have a rights to privacy. 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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.
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: The problem is aggressive ( SPAM ) hard copy promotional mail sent to my home address on a WEEKLY basis. This must cease and desist.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: This is a predatory loan by Discover. Loan ( s ) were taken out in 2011. I have paid nearly {$65000.00} over XXXX years on 2 loans that were for a total of {$49000.00}. I STILL owe over {$36000.00}. They refuse to lower my monthly payment and it is destroying my credit and crushing any hope of owning a home/starting a family. Here are the details : XXXX XXXX - XXXX 8.625 % ( this is the current rate ) - variable XXXX XXXX - XXXX 11.125 % ( this is the current rate ) - variable Discover states that the terms ( including variable rates ) were disclosed during application process, which is probably true, however I am just finding out about this now. I admit I was young and inexperienced when I took these out and don't remember the conversations during the loan process but I have never once been told that these are variable rate loans.
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I was falling behind on my bills and reaching out to each creditors to enroll in a program to avoid damage to my account and credit reporting. I enrolled both Discover accounts on XX/XX/25. I was offered a new payment amount for the next few months to get through the hardship. I was alerted that my accounts were reported as delinquent and called to find out how it happened. The representative was wonderful. She did say that the payments offered came through but they werent enough to address the past due. The issue for me is that one account was a XXXX payment but it really should have been XXXX to avoid reporting. Since I didnt come up with the offered terms myself, I find this to be a little misleading. I certain would have increased my payment to avoid negative reporting.
Company Response:
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A