Date Received: 2023-12-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I would like to clarify that these late payments are not accurate, and I believe there has been an error in the reporting. I have attached supporting documentation, including payment records and correspondence with DISCOVER BANK, to substantiate my claim. I kindly request that you conduct a thorough investigation into this matter and take the necessary steps to correct my credit report immediately. I understand the importance of accurate credit reporting and how it can impact my financial standing. DISCOVER BANK XXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or DISCOVER BANK customer service XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. I trust that you will address this matter promptly and provide me with written confirmation of the corrections made. I appreciate your attention to this issue and your commitment to ensuring the accuracy of credit information. If there are any additional forms or information required from my end to facilitate the investigation, please do not hesitate to contact me. Thank you for your prompt assistance in resolving this matter.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am currently in the process of purchasing a home and have discovered discrepancies on my credit report. According to the 15 USC 1681 law, my credit report should not contain any inaccuracies or damages. The presence of such discrepancies is not only affecting my ability to secure a home loan but also constitutes defamation of my character.
Company Response:
State: RI
Zip: 02904
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I am of the age of maturity to make this affidavit and the facts herein I am mentally competent to make these facts for the Record I have personal knowledge of the facts in this affidavit [ Made Pursuant to the US Constitution & Title 28 USCA Section 1746 ] AFFIDAVIT XXXX XXXX XXXX, XXXX for XXXX XXXX, a XXXX year old veteran owned company, applied for credit / bank account with a qualified credit score ; and denied near XX/XX/2023 without just cause in violation of The Equal Credit Opportunity Act.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
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: On XX/XX/18 I had a couch delivered that was damaged but didn't know until after delivery was made. The very same day I went to store I bought it and told them. They initiated a ticket to have a technician come to the house. A month later still broken couch so I initiated a dispute with Diacover card for a product that was not as promised. Discover started an investigation. Meanwhile I was told by the company XXXX XXXX I could not return the item but only exchange it. Technician finally came and couch not repairable. I did not want an exchange as I didn't want the couch in chance it would be damaged again. They offered me a reselection. I went to the store to find something. I couldn't find anything else so I called the company again and told them. XXXX XXXX said too bad basically and I had no other choice. I called Discover to let them know. Then a day later I found an item online I was willing to settle for. I called XXXX XXXX and no call back. I called again the next day and no call back. I finally got a hold of someone else only to be told I can't exchange or reselect anymore. It was closed. I contacted discover and they assured me the case I had was still open. I got the resolve back and they sided in favor with the merchant so now I have a {$2000.00} broken couch and no ability to return, exchange or reselect something else. Discover just told me I had to resolve it with other merchant and XXXX XXXX refuses to do so. Discovers policy is clear it says a dispute can be done if a product or service was not as promised. XXXX XXXX admitted the couch is not repairable but Discover still sided on their behalf. Meanwhile it has been XXXX months with a broken couch in our home. Please help me resolve this. Thank you.
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Consumer misused daily reporting & consumer reports
Company Response:
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: this company has violated my rights as a federal protect consumer. the have furnish deceptive information hurting my credit worthiness causing me great harm and financial struggles by not providing me with a full account ledger stating the facts of a ledge debt. along with a 1099C for the a ledge debt that was charged off.
Company Response:
State: OH
Zip: 44070
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Saturday, XX/XX/ Summary ( URGENT!!! ) : My credit card account is forcefully being closed. Please help me get justice from Discover Card ID Protection & Notary Team BEFORE XX/XX/ ( Sunday ) or else their every answer will always start with an UNFORTUNATELY ( e.g., start a new application, apply for new card, cant do anything because card already been closed by then and many infinite excuses will be mentioned by their ID Protection & Notary Team as they have been mentioning since XXXX on most of their phone calls ) and there will be no use of the time and effort I am spending to make this complaint today. Kindly help me by calling them ( Discover ID Protection & Notary Team ) ASAP on this Monday, XX/XX/, at XXXX ( XXXX ) XXXX ( M-F XXXX EST ) and ask them to extend my account closing date to at-least more than a year as we work through the progress of this complaint, PLEASE. Please help me save my card account. I am new to credit. This is my first ever credit card and I dont want it closed due to negligence of Discover Card team. So many other cases can be XXXX on many platforms like XXXX where many X-Customers voices were diminished like myself because Discover ID Protection, Notary or Customer Protection agents/team never email so that no records can be saved to hold these agents accountable. Their X-Customers have also raised this issue of receiving very bad customer service and some of the most notorious attitudes by them. Discover Card ID Protection Team are closing my card account on XXXX XXXX4th, 2023 ( during holidays season ). Their Notary Team ( part of ID Protection Team ) will certainly be making an excuse that phone call verification wasnt completed or something. Even-though they know that : ( 1 ) There is massive time zone difference between the XXXX and the XXXX ( as the requested form by Discover Card ID protection team is being notarized by the US Embassy Notary Service , XXXX, XXXX on THIS TUESDAY, XX/XX/ ). And ( 2 ) This is holidays season so they might not be able to answer phone calls during this time. Discovers Notary Team is not being helpful at all and they Straightforward Refuse to utilize an official email provided by the US Embassy Notary Service for verification -no matter what- as mentioned by their agents on many phone calls I have made to them and requested if they would kindly even consider? Answer has always been a NO. And that they will make a phone call, if not answered, REJECTED, and ACCOUNT CLOSED. Or account closed if the deadline XX/XX/, comes before even their Notary Team can attempt to make a phone call ( regardless of when the form was/will be uploaded as these both systems/services/agents dont work together/communicate to each other ). Which is such a shame for a large-scale company like Discover. Complete Description : ( Discover Financial Services ) issued me a credit card on XX/XX/ ( ATTACHED : XXXX ) with {$200.00} limit. During my application process I mentioned and uploaded my University Letter as a proof that I would be studying for some time abroad, yet they pulled a hard inquiry on my credit, took a couple of days to complete their checks and finally about a week later approved me. I was incredibly happy since this is my first ever credit card and would help to build my credit profile slowly, so I was really grateful. But sometime in the beginning of XXXX without my knowledge they blocked my card. I only realized when I found myself embarrassed at the register of a grocery store on XX/XX/XXXX. To understand why that happened I called them, and I was faced with some of the worst experiences and attitudes by their Customer Protection Service who then transferred me to their even worse High Security Team, and later I was transferred to their ID Protection Team. I received bad experience and really awful attitude by their agents who did not want to serve me ( just because I was abroad? ) I felt completely rejected and humiliated by the way they treated me just by asking what happened. There was XXXX apology requested by them on blocking my card all of a sudden. ID protection dept asked me of ID proofs. To which I sent my Passport, Social Security Card and my Bank Statement but they were not happy, asked me to have a form notarized and sent an email with instructions ( ATTACHED : XXXX, XXXX, XXXX, XXXX, XXXX ). I then went ahead and paid {$25.00} service fee for the notary, completed notarization process, submitted notarized form to them and waited for almost XXXX weeks and no answer was received. I then rang up their ID Protection Team on XXXX. Agents on this line are always very rude with an upsetting attitude in their voice. They surprised me that notarized form was rejected by their Notary team. They then told me that I should have it notarized only from a XXXX XXXX XXXX XXXX XXXX I asked what the solution for me is since you knew I would be abroad even during my application. They said they can only accept notarized form from the US Embassy. US Embassy did not have any appointments available, so I constantly ( days and nights ) checked their website to have some luck. I finally have been able to book my appointment in the US Embassy XXXX, XXXX XXXX on XXXXber 19th, 2023 ( Tuesday ) and once again this time I will be spending {$50.00} for notary and {$70.00} for my travel expenses to XXXX. But there are THREE MAJOR PROBLEMS. 1. They have sent me Two types of forms ( conflicting information ) one that was attached in the email itself ( ATTACHED : Email Notary Form, 3 Sections ), and the other that opens up after I clicked a LINK ( XXXX XXXX XXXX ) provided in that same email ( ATTACHED : Weblink Notary Form, 4 Sections ). Both forms are similar with one major twist. Email Notary Form has 3 Sections and is able to be attested by US Embassy in my case due to being XXXX XXXX and visiting Abroad at the same time. Weblink Notary Form has 4 Sections and excludes me as it doesnt give any option for XXXX XXXX who are visiting abroad. I have tried several times to understand if they would accept the Notarized Email version form since that one doesnt exclude me due to being XXXX XXXX requesting US Embassy to Notarize. But I have not received any answer from them. They dont have email that one can reach to ask questions, even if you try to find one, they never responded because they dont want to be held accountable of their actions. I have even uploaded my questions in their Upload link provided instead of Notarized form just so it can reach the people who are looking into my case, but to this day I have not received any response. I called them but I received very little assurance on using the email version of the form I say that because they still didnt send me in email that I can use that Even-though agent said he has put note into my file that it will be ok, and that it should be fine even if the complete 5 pages were not sent by Discover to me, form which is page 4 of 5 is still ok to be brought to embassy without page number printed due to embassys policy on having full pages of the form otherwise no notary service. Agent said he dont know where the other pages of this email version of the form are, but feel free to bring this page only and later submit to us, this should be fine. I am submitting this here so in case their Notary team rejects this after I submit it on XX/XX/XXXX then we can hold this company accountable of providing false reassurance and once again letting me lose my money and time. 2. Deadline to close my account is XX/XX/, which is holiday season. If I submit my form on XXXX XXXX ( as soon as I complete my Notary appointment in the US Embassy ) there is a major problem that their Notary is very old school and only verifies this form by calling phone numbers. US Embassy has said they will share a phone number and an email ( which is their preferred way of verifying ) for this verification purposes. But thinking of massive time zone differences between the US and the XXXX it is highly unlikely that Discovers Notary team will ring at the same time while US Embassy Notary team is also working ( working hours : Tuesday and Wednesday afternoons, as well as Thursday mornings, XXXX XXXX XXXX XXXX XXXX and be able to verify the form that will be submitted to them on XX/XX/XXXX. Due to holidays, it would be almost impossible to have this phone call go successfully. I have asked Discovers ID protection agents on phone if their Notary Team would consider sending an email to Embassys Notary Staff due to the situation complications ( i.e., time difference, holidays )? They straight out refuse and say if our Notary team calls them, and they dont respond then Account Closes. 3. Discover Cards ID Protection Agent also mentioned that Notary team dont look into forms until about two weeks after submission. I then asked would you be able to update me via email on the status of what happens after I submit the form? She said No, we dont do emails/texts. You must call us to know ( with a very nasty attitude ). I then asked what happens if my form is uploaded on XX/XX/XXXX, but my account deadline ( XX/XX/XXXX ) arrives? She said account closes and submission cancels automatically. I asked if this is worth the trouble for me to go all these hoops to get that done? She said she doesnt think so and can help me close my account right away ( which is why I think Discovers ID Protection team is so awful ). I then asked her to let me speak to her supervisor regarding the forms she said I will be called but I never was. And no supervisor ever cared how much distressed these people have caused me. I asked that lady why would my account still close even if I submitted the form? She mentioned because the upload system and Notary are two different things one doesnt talk to the other. If account is in date only then Notary team sees the form, Or Notary team never sees that form if the account closed. I requested if Notary would be able to prioritize my form upon submitting and consider verifying via phone/email ( as most preferred way due to previously mentioned reasons ) she mentioned No we dont do priority. I was so disappointed. She made me feel so little by exerting her power as she is sitting in this position and made me feel like I am wasting her time ( the way she rushed to answer my questions without even letting me finish my sentences ). Again, when I asked for her supervisor due to her poor communication skills, lack of knowledge regarding two types of Notaries forms I received via email, her disregard and lack of empathy towards me, she said OK she will. But they never did. So pathetic and disrespectful person who is handling ID Protection Team in Discover Card.
Company Response:
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XXXX, XX/XX/2023 Summary ( URGENT!!! ) : My credit card account is forcefully being closed. Please help me get justice from Discover Card ID Protection & Notary Team BEFORE XX/XX/2023 ( XXXX ) or else their every answer will always start with an UNFORTUNATELY ( e.g., start a new application, apply for new card, cant do anything because card already been closed by then and many infinite excuses will be mentioned by their XXXX XXXX XXXX XXXX XXXX as they have been mentioning since XXXX on most of their phone calls ) and there will be no use of the time and effort I am spending to make this complaint today. Kindly help me by calling them ( Discover ID Protection & Notary Team ) ASAP on this Monday, XX/XX/2023, at XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX ) and ask them to extend my account closing date to at-least more than a year as we work through the progress of this complaint, PLEASE. Please help me save my card account. I am new to credit. This is my first ever credit card and I dont want it closed due to negligence of Discover Card team. So many other cases can be googled on many platforms like XXXX where many X-Customers voices were diminished like myself because Discover ID Protection, Notary or Customer Protection agents/team never email so that no records can be saved to hold these agents accountable. Their X-Customers have also raised this issue of receiving very bad customer service and some of the most notorious attitudes by them. Discover Card ID Protection Team are closing my card account on XX/XX/2023 ( during holidays season ). Their Notary Team ( part of ID Protection Team ) will certainly be making an excuse that phone call verification wasnt completed or something. Even-though they know that : ( 1 ) There is massive time zone difference between the US and the XXXX ( as the requested form by Discover Card ID protection team is being notarized by the US Embassy XXXX XXXX XXXX XXXX, XXXX on THIS XXXX, XX/XX/2023 ). And ( 2 ) This is holidays season so they might not be able to answer phone calls during this time. Discovers Notary Team is not being helpful at all and they Straightforward Refuse to utilize an official email provided by the US Embassy Notary Service for verification -no matter what- as mentioned by their agents on many phone calls I have made to them and requested if they would kindly even consider? Answer has always been a NO. And that they will make a phone call, if not answered, REJECTED, and ACCOUNT CLOSED. Or account closed if the deadline XX/XX/2023, comes before even their Notary Team can attempt to make a phone call ( regardless of when the form was/will be uploaded as these both systems/services/agents dont work together/communicate to each other ). Which is such a shame for a large-scale company like Discover. Complete Description : ( Discover Financial Services ) issued me a credit card on XX/XX/2023 ( ATTACHED : XXXX ) with {$200.00} limit. During my application process I mentioned and uploaded my University Letter as a proof that I would be studying for some time abroad, yet they pulled a hard inquiry on my credit, took a couple of days to complete their checks and finally about a week later approved me. I was incredibly happy since this is my first ever credit card and would help to build my credit profile slowly, so I was really grateful. But sometime in the beginning of XXXX without my knowledge they blocked my card. I only realized when I found myself embarrassed at the register of a grocery store on XX/XX/XXXX. To understand why that happened I called them, and I was faced with some of the worst experiences and attitudes by their Customer Protection Service who then transferred me to their even worse High Security Team, and later I was transferred to their ID Protection Team. I received bad experience and really awful attitude by their agents who did not want to serve me ( just because I was abroad? ) I felt completely rejected and humiliated by the way they treated me just by asking what happened. There was zero apology requested by them on blocking my card all of a sudden. ID protection dept asked me of ID proofs. To which I sent my Passport, Social Security Card and my Bank Statement but they were not happy, asked me to have a form notarized and sent an email with instructions ( ATTACHED : XXXX, XXXX, XXXX, XXXX, XXXX ). I then went ahead and paid {$25.00} service fee for the notary, completed notarization process, submitted notarized form to them and waited for almost XXXX weeks and no answer was received. I then rang up their ID Protection Team on XXXX. Agents on this line are always very rude with an upsetting attitude in their voice. They surprised me that notarized form was rejected by their Notary team. They then told me that I should have it notarized only from a US-Based Bank/Credit Union/UPS Store XXXX I asked what the solution for me is since you knew I would be abroad even during my application. They said they can only accept notarized form from the US Embassy. US Embassy did not have any appointments available, so I constantly ( days and nights ) checked their website to have some luck. I finally have been able to book my appointment in the US Embassy XXXX, XXXX XXXX on XX/XX/2023 ( Tuesday ) and once again this time I will be spending {$50.00} for notary and {$70.00} for my travel expenses to XXXX. But there are THREE MAJOR PROBLEMS. 1. They have sent me Two types of forms ( conflicting information ) one that was attached in the email itself ( ATTACHED : Email Notary Form, 3 Sections ), and the other that opens up after I clicked a LINK ( XXXX XXXX XXXX ) provided in that same email ( ATTACHED : XXXX Notary Form, 4 Sections ). Both forms are similar with one major twist. Email Notary Form has 3 Sections and is able to be attested by US Embassy in my case due to being non-US Citizen and visiting Abroad at the same time. XXXX XXXX XXXX has 4 Sections and excludes me as it doesnt give any option for non-US Citizens who are visiting abroad. I have tried several times to understand if they would accept the Notarized Email version form since that XXXX doesnt exclude me due to being non-US Citizen requesting US Embassy to Notarize. But I have not received any answer from them. They dont have email that one can reach to ask questions, even if you try to find one, they never responded because they dont want to be held accountable of their actions. I have even uploaded my questions in their Upload link provided instead of Notarized form just so it can reach the people who are looking into my case, but to this day I have not received any response. I called them but I received very little assurance on using the email version of the form I say that because they still didnt send me in email that I can use that Even-though agent said he has put note into my file that it will be ok, and that it should be fine even if the complete 5 pages were not sent by Discover to me, form which is page 4 of 5 is still ok to be brought to embassy without page number printed due to embassys policy on having full pages of the form otherwise no notary service. Agent said he dont know where the other pages of this email version of the form are, but feel free to bring this page only and later submit to us, this should be fine. I am submitting this here so in case their Notary team rejects this after I submit it on XX/XX/XXXX then we can hold this company accountable of providing false reassurance and once again letting me lose my money and time. 2. Deadline to close my account is XX/XX/2023, which is holiday season. If I submit my form on XXXX XXXX ( as soon as I complete my Notary appointment in the US Embassy ) there is a major problem that their Notary is very old school and only verifies this form by calling phone numbers. US Embassy has said they will share a phone number and an email ( which is their preferred way of verifying ) for this verification purposes. But thinking of massive time zone differences between the US and the XXXX it is highly unlikely that Discovers Notary team will ring at the same time while US Embassy Notary team is also working ( working hours : XXXX and XXXX afternoons, as well as XXXX mornings, XXXX XXXX XXXX XXXX XXXX and be able to verify the form that will be submitted to them on XX/XX/XXXX. Due to holidays, it would be almost impossible to have this phone call go successfully. I have asked Discovers ID protection agents on phone if their Notary Team would consider sending an email to Embassys Notary Staff due to the situation complications ( i.e., time difference, holidays )? They straight out refuse and say if our Notary team calls them, and they dont respond then Account Closes. 3. Discover Cards ID Protection Agent also mentioned that Notary team dont look into forms until about two weeks after submission. I then asked would you be able to update me via email on the status of what happens after I submit the form? She said No, we dont do emails/texts. You must call us to know ( with a very nasty attitude ). I then asked what happens if my form is uploaded on XX/XX/XXXX, but my account deadline ( XX/XX/XXXX ) arrives? She said account closes and submission cancels automatically. I asked if this is worth the trouble for me to go all these hoops to get that done? She said she doesnt think so and can help me close my account right away ( which is why I think Discovers ID Protection team is so awful ). I then asked her to let me speak to her supervisor regarding the forms she said I will be called but I never was. And no supervisor ever cared how much distressed these people have caused me. I asked that lady why would my account still close even if I submitted the form? She mentioned because the upload system and Notary are two different things one doesnt talk to the other. If account is in date only then Notary team sees the form, Or Notary team never sees that form if the account closed. I requested if Notary would be able to prioritize my form upon submitting and consider verifying via phone/email ( as most preferred way due to previously mentioned reasons ) she mentioned No we dont do priority. I was so disappointed. She made me feel so little by exerting her power as she is sitting in this position and made me feel like I am wasting her time ( the way she rushed to answer my questions without even letting me finish my sentences ). Again, when I asked for her supervisor due to her poor communication skills, lack of knowledge regarding two types of Notaries forms I received via email, her disregard and lack of empathy towards me, she said OK she will. But they never did. So pathetic and disrespectful person who is handling ID Protection Team in Discover Card.
Company Response:
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Subject : Formal Complaint Against Discover Bank for Fraudulent and Malicious Credit Reporting Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Discover Bank concerning their egregious and malicious credit reporting practices, which have had a severe impact on my financial standing and well-being. The details of my complaint are as follows : In the midst of the COVID-19 pandemic, I made a purchase of facial masks on XXXX totaling over {$500.00} using my Discover credit card. Subsequently, I returned the product, but the seller refused to issue a refund. Despite my attempts to resolve the matter, the dispute case was not ruled in my favor, and I incurred a charge of {$500.00} on my Discover credit card in XX/XX/XXXX. In response to this charge, I refused to pay the {$500.00} and, as a result, Discover Bank added a {$300.00} fee to the balance. Ultimately, Discover closed my account in early XXXX. Discover marked my account as charged off, and in XXXX, it reported the charged-off amount as income to the IRS. This has had significant consequences on my financial standing. Although my account was closed and charged off, Discover has continued to report it as an active account, and more astonishingly, it has sent me a letter dated XX/XX/XXXX, claiming to respond to my inquiries. The letter falsely states that Discover must continue to report my account to credit bureaus as it is a disputed account. This statement is factually incorrect, as the dispute was resolved in XXXX, and the account was closed. Moreover, the balance on the account was reported as income, providing no valid reason for Discover to continue reporting my account as late payment. The ongoing reporting by Discover is not only false but also malicious and constitutes fraudulent credit reporting practices. I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify the inaccurate and harmful credit reporting by Discover Bank. This misinformation is damaging to my credit score and overall financial well-being. Enclosed with this complaint, you will find relevant documentation supporting my claims, including copies of correspondence with Discover Bank and evidence of the erroneous credit reporting. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a fair and impartial investigation to resolve this issue promptly. Sincerely,
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: your consent is required immediately We previously attempted to contact you regarding required verification. Discover Financial Services requires your consent to obtain income information from the Internal Revenue Service ( IRS ) to verify information on your account. If consent is not received promptly, Discover will close the account and report it as such to the credit bureaus. To discuss next steps, please contact Discover directly at XXXX, or call the phone number on the back of your card. Important : If you have already provided the consent requested and have not received any follow-up communication directly from Discover, there is no need for you to contact us. We appreciate your prompt attention and cooperation. Thank you, Discover Financial Services
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A