Date Received: 2022-12-17
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: To whom it may concern, I tried to ask for your help however I just got a letter in the mail stating that someone submitted a complaint under my name without identifying themselves. What Identification documents do you need in order to proceed with the help I am asking about? I am attaching the letters I received from ya 'll and hope to get assistance to take a look at my case. XXXX XXXX
Company Response:
State: NY
Zip: 10703
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 usc 1681 section 602 states I have a right to privacy 15 usc 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1666b states a creditor may not treat my payment on a credit card account under an open end credit consumer credit plan as late for purpose
Company Response:
State: WV
Zip: 247XX
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: 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: My wallet was stolen from my local gym, this past summer. In my wallet was my drivers license, SS Card, a XXXXXXXX XXXX XXXXXXXX XXXX credit card, both a XXXX XXXX XXXXXXXX credit and debit card and my Discover Credit card. Once I realized that my wallet was missing I called each financial institution notifying them that my wallet was missing and these cards were in said stolen wallet. There were unauthorized of each of these cards ; I was able to rectify the problem quite simply with XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXXXXXX XXXX, however there was a summation of {$1700.00} worth of unauthorized transactions on Discover card that have been nothing but an issue from the time I notified this institution. The transactions occurred after I had already called Discover Bank notifying them of the missing card. I had, in n uncertain terms, called Discover Bank on XX/XX/2022, explaining the missing wallet, I asked for the card to be locked and I was told the situation would be handled and I would have nothing to worry about or be responsible for, but Discover fed me untruths. My Discover card wasn't locked, unauthorized transactions persisted into XXXX and I explained to Discover that no one else had authority to use my card. The transactions consisted of out of state purchases and unauthorized online transactions. I called Discover FOUR different times, but my card was only locked due to a balance not because I was doing the right thing and reporting it within the " 120 day timely manner chargeback, per Discover handbook ''.. As of XX/XX/2022 Discover is holding me responsible for all out of state and " online purchases because I am out of the " timely filing period ''. It appears that these transactions are made from email addresses that DO NOT belong to me. The email addresses are ; XXXXXXXX XXXX XXXX XXXXXXXX. Both the billing and shipping address always have my name misspelled or some strange variation of my name. These transactions are also being authorized by a phone that DOES NOT belong to me. My wallet was stolen on XX/XX/2022, but Discover is the only criminal. They're lying saying that i filed out of " timely manner '', they're saying I made " out of state '' purchases when i have work timestamps saying I was in XXXX. Discover needs to held responsible and I want all fraudulent charges on my card rectified. 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. Discover is lying saying Im out of timely manner WHEN I AM NOT, saying I made out of state purchases WHEN I DID NOT AND HAVE WORK TIMESTAMPS TO VERIFY, and saying my phone verified charges WHEN I DID NOT AND IT IS NOT EVEN THE TYPE OF PHONE I OWN. I will pursue legal council if this is not fixed by Discover. I did not make or authorize ANY charges from XXXX.
Company Response:
State: GA
Zip: 30680
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XXXX the date of XX/XX/2022 I sent the CEO of Discover an email stating my complaints about being denied and was sent back a packet showing everytime that applied for credit and was denied showed so many diff reasons why I couldnt extend credit to them. I know my rights so in my letter I stated which laws they broke then also sent them a letter on XX/XX/2022 stating about what adverse actions that were takin violating my rightXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ignored when I sent this letter but when I sent that letter on XX/XX/2022 about punitive they sent me back a packet stating they have no violated any laws under there policy and there policy does not supersede federal law
Company Response:
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: HAVING BEEN RECEIVING PHONE CALLS FROM DISCOVER CARD, TOLD THEM NOT INTERESTED AND HANG UP ... XXXXYESTERDAY RECEIVED A CARD AND TERMS OF BENEFITS OF MY UNSOLICITED CARD ... ALSO STATES ON TERMS IF NOT CANCELLED IT IS IN EFFECT. THIS IS VERY POOR PRACTICE AND SURPRISED A WELL KNOWN COMPANY WOULD ALLOW THIS PRACTICE. WE DID NOT APPLY FOR ANY CREDIT CARD, DO NOT WANT IT AND RESENT CALLS FROM THEM. I WILL SEND THEM NOTICE OF CANCELLATION BUT DO NOT BELIEVE THAT SHOULD BE NECESSARY ....
Company Response:
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Discover keeps sending me " pre-approved '' offers, falsely making me believe that the application is just a formality. When I submit the application, they decline it and in the process they damage my credit score. Similar to the " dark patterns '' of which XXXX XXXX was found guilty. And then on top of that, they KEEP sending me these offers.
Company Response:
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Friday XX/XX/2022 I went into my Discover Bank account to add my XXXX savings account ( operated by XXXXXXXX XXXX ) as an external account to transfer money. Both of these banks are legitimate FDIC registered banks. Upon adding this external account, my Discover bank account was immediately locked. I called Discover but they explicitly told me ( XXXX different representatives ) that XXXXXXXX XXXX is " not supported '' for ACH transfers from Discover, and that I should initiate the transfer on the XXXXXXXX XXXX side instead. The did not and would not provide additional details as to why it is " not supported '', stating that " some banks are just not compatible with each other '' which is simply not true for a standard ACH transfer within the US, for two FDIC registered and insured banks. No transfer to this account was even initiated ( not that it should matter ) for Discover to freeze my account.
Company Response:
State: WA
Zip: 98034
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
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 ( the Company ) 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 fraudulent activity on my account. The Company is also failing to acknowledge and directly reply to my inquiries and requests for information on this matter. I have made several attempts, and spent hours of hold and phone time speaking with the Companys representatives, but have received nothing that could be considered responsive to my original requests for information, which has been pending for several months now. Please see my attached letter, which extensively documents the issue and my interactions with the Company to date.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was checking my email and I got an alert from XXXX saying that I had another hard inquiry. I have not applied for any type of loan recently. I went on their website and it led me here.
Company Response:
State: FL
Zip: 32607
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # 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 : It also states a consumer reporting agency can not furnish a 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 purpose. 44.8K
Company Response:
State: MO
Zip: 63376
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A