Date Received: 2022-12-20
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Greetings, Mine must be an unusual complaint of clerical human error, yet evidently, I need your assistance and authority to command a solution. I habitually check Discover Card 's XXXX score when paying my bill on their mobile app. In XXXX, I saw a XXXX pt drop in score. The issue was an inexplicable change in " Reported Credit History '' - from 17 years in XXXX, to the XXXX report, stating a mere 3 year history. ( screenshots attached ) Discover states the info came from XXXX XXXX, but my credit report from XXXX shows my XXXXXXXX XXXX account was opened in XXXX. ( Screenshot attached ). Discover was made aware in XXXX & in XXXX, during many calls. On XX/XX/XXXX, XXXX XXXX ( supervisor ) was still awaiting word from superiors. To check, I recently signed in to the XXXX app, which also showed a shortened credit history, even though the credit report XXXX mailed to me also showed the XXXX XXXX. opened in XXXX. XXXX gave an Escalation # XXXX on XX/XX/XXXX. Discover & partners reflect XXXX XXXX calculated @ XXXX. My XXXX XXXX & their XXXX app, both reflecting a XXXX yr history, show a score of XXXX Excellent. Quite a discrepancy! Neither Discover, XXXX, or XXXX claims responsibility, nor the ability to correct their records on this odd occurrence. I have attached photographic screenshot evidence to prove my standing in these unresolved formal disputes. ... I cant help but suppose the actions of XXXX or other reporting agencies may use this ruse to promote their marketing attempt to push their ( paid ) subscriptions to their " XXXX XXXX '' programs. Meanwhile, time is of the essence, as I need to arrange financing for the Reverse Mortgage of my deceased father. Also, I recently applied for XXXX XXXX 's XXXX XXXX XXXX, and was approved at an a very high interest rate. XXXX reportedly use XXXX for credit checks. Resolution : I plea to have the accurate Length of Credit History corrected on my file @ Discover Card ( et al. ), XXXX XXXX, My XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and especially the XXXX XXXX, including their mobile app.
Company Response:
State: FL
Zip: 32503
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: My credit report is showing that I opened a credit card with Discover Bank and it's showing that it has a balance of {$2500.00} as of XXXX XXXX XXXX However, I never opened any credit card with this institution.
Company Response:
State: KS
Zip: 666XX
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
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: This accounts was opened and used not by me but they are expected that they are suing me for the amount and i have try many times to dispute this account and ask for all the charges they have refused on multiple occasions and they are trying to put a judgment on me. They cant even produce my signature on the agreement that they say is mine I have asked them to validate all they can send me is the top page of the statement.
Company Response:
State: AR
Zip: 71913
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Id like to file another complaint against Discover again. It took them over 10 months to resolve a fraud case that occurred on my account. Initially, they wanted me to pay {$5600.00}, and I told them that Im refusing to pay that amount because Im protected under the fair credit bureau act, and the legal authorities all confirmed that I dont owe a dime to them because theyre the victims now. They would lie about my statements being over {$4000.00}, so I would draft that amount out of my XXXX XXXX account and pay them, that balance would never drop, and when I called them they said they never received a payment, but theyre using underhanded tactics to scam and try to get more money from me. They would send me fake emails saying thanks for paying {$84.00} when I never paid them that amount saying that it was probably auto draft payment, and thats a lie because I never enrolled in auto draft options. They would re-open a closed account and send me a replacement card after I filed for fraud, which made no logical sense saying that was the default option meaning that they would take my personal account and make changes without my permission or knowledge beforehand and make things up as we go. So, I would have to call back and close the account and reject the replacement card because I never consented to such illegal activities. It took them 10 months to resolve fraud activities on my account which had detrimental effects on my credit score. It went from good standing XXXX something down to XXXX because it took them that long to figure out the fraud activities on my account. Now theyre asking me to send a final payment of {$1600.00} which I would like to dispute because theyre disregarding the laws and rules here that protect consumers from any liabilities related to fraud. So, Im filing this complaint because ( 1 ) My credit score got messed up because it took them a long time to resolve a fraud claim ( 2 ) Theyre asking me to pay more money which Ive compensated them enough for in the past by forwarding over {$4000.00} that shouldve covered the balance that never dropped a few months ago, and theyre denying to recognize that Im protected under the law from fraud and any charges thatve accumulated.
Company Response:
State: GA
Zip: 30097
Submitted Via: Web
Date Sent: 2022-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
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: To whom it may concern ; This statement is regarding internal reference number : XXXX The serial number on the phone used to make these purchases does not belong to my phone and I can provide proof!! I received a letter, on XX/XX/XXXX, from your institution stating that you were refusing to reinvestigate because I had reviewed activity in my account on XX/XX/XXXX and XX/XX/XXXX and didnt file the claim on XX/XX/XXXX ; this is a BLATANT LIE. I have documented proof that my account was locked out of my account on XX/XX/XXXX AFTER I called in reporting that my card was missing and your customer service agents said it was standard for my account to be locked while you were investigating my claim. I then received multiple emails telling me my payment was past due! I called again on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX all stating that I had previously called on XX/XX/XXXX notifying your institution that my card WAS MISSING AND NO ONE HAD LOCKED MY CARD. I was told each one of those subsequent times that the previous agent didnt file the claim correctly, but that they would most definitely file it correctly now. I also have proof that I havent been able to get into my account from XX/XX/XXXX - XX/XX/XXXX!! Discover is lying saying Im out of timely manner WHEN I AM NOT! Discover is saying I made out of state purchases WHEN I DID NOT AND HAVE WORK TIMESTAMPS TO VERIFY! Discover Id saying my phone verified charges WHEN I DID NOT AND IT IS NOT EVEN THE TYPE OF PHONE I OWN! I have documented proof that the phone I own DOES NOT match the serial number your claiming was used to access my online account on XX/XX/XXXX and XX/XX/XXXX. I was locked out on XX/XX/XXXX & XX/XX/XXXX, I COULD NOT GET IN MY ACCOUNT TO VERIFY ANYTHING! The Discover Bank customer handbook CLEARLY states that ; There are two important time limits to be aware of when it comes to Discover chargebacks : the first is the time limit for filing a chargeback, and the second is the time limit for responding to a chargeback claim or ticket retrieval request. According to Discover, cardholders officially have 120 days from the date of the transaction to initiate a chargeback, although the network may accept claims filed outside of that window on a case-by-case basis. If a dispute is filed with Discover and a ticket retrieval request is sent, the merchant has just five calendar days to respond with the requested information. Merchants will have an additional 20 days to provide supporting documentation for any subsequent requests or appeals. Ive called into customer protection services TWICE! I was told by the second agent that she could answer ANY questions I had. I asked her what the logins on XX/XX/XXXX & XX/XX/XXXX proved besides someone other than myself logged into my account? She said I cant answer that. I asked why you all are making me send in countless absurd documents when you all cant send me any kind of documentation proving what youre claiming, she said what difference would it make if I told you or sent it to you? It makes A LOT of difference!! You all can tell me ANYTHING TO PAD YOUR NARRATIVE. I want cold hard proof of the evidence youre using because Discover has told me nothing but lies from the very beginning!! My Discover card was used to make unauthorized purchases from XXXX XX/XX/XXXX. The law states that : " Under a 1978 Federal rule called Regulation E, banks are required to make clients whole if their money is stolen from a consumer account through an electronic payment initiated by another person. Since Reg E was written well before payment apps existed, the Consumer Financial Protection Bureau has issued guidelines saying that the law covers all person-to-person online payments. The bureau clarified that all unauthorized online money transfers- meaning any payment initiated by someone other than the customer and done without the customer 's permission- were the bank 's liability. But despite the updated guidance, banks in many cases are refusing to refund customers who claim - often with supporting documentation. Sincerely, XXXX XXXX
Company Response:
State: GA
Zip: 30680
Submitted Via: Web
Date Sent: 2022-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
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 ordered an XXXX XXXX XXXX {$530.00} from XXXX on XX/XX/XXXX. The XXXX came completely damaged box console everything and i went to return it. XXXX banned my account and said i could not return it even though it's in my right through policy but with the ban i could not. They told me to contact my Finacial institution, which they did absolutely nothing contacted filed on XX/XX/XXXX same day i received the package and ended in XXXX about the XXXX with them just saying " need proof XXXX issued refund '' which makes no sense i was willing to return it.
Company Response:
State: MN
Zip: 562XX
Submitted Via: Web
Date Sent: 2022-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
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: This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have a loan with XXXX. The current status should not be showing late because I paid it on time. XXXX and XXXX XXXX XXXX XXXX lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any items of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Lets correct this immediately. The XXXX is required to verify for them, but they failed to neither verify nor update me about this complaints. Provide documentation that the XXXX has not abrogated my rights by reporting false information, otherwise remove this account immediately. REPAIR THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$0.00}.
Company Response:
State: CA
Zip: 93638
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Received five pre approved offers from Discover and ran thru online pre approval same day of application and then denied for the card. Used XXXX XXXX XXXX XXXX XXXX XXXX XXXX application.
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On Saturday, XXXX XXXX, I was looking at my credit reports obtained by me from using XXXX and I see a Discover Credit Card that was established without my knowledge nor my consent. I havent applied for this account, and I am a victim of identity theft. I have contacted the company to dispute the account, I was told that they would transfer me over to the Discover Investigations dept. That department strictly handles fraudulent applications/accounts. I have not had any luck in reaching them and I need to get a hold of someone because I have never opened this account and I need them to close this account down and deem it as fraud/identity theft. I see the fraudulent account was opened XX/XX/2019 and that fraudulent account has been charged off with a balance of {$3400.00}. Can someone please look into this matter and let me know of the outcome?
Company Response:
State: CA
Zip: 95219
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/2020 Account # XXXX Pursuant to 15 USC 1681 a ( 2 ) congress make it clear that a Consumer report does not contain any transactions or experinces. Congress make it clear that I have a right to PRIVACY as a Federally Protected Consumer! You Continue to Violate and disrespect my right to privacy which is a direct Violation of the FCRA and gramm-Leach-Bliley act ! I did not Consent or authorize for you to share my nonpublic personal information. Congress requires you to adopt reasonable procedures for meeting the needs of commerce in a manner which is fair and equitable to me with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. Please be clear that no consent or authorization is IDENTITY THEFT.
Company Response:
State: TX
Zip: 77545
Submitted Via: Web
Date Sent: 2022-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A