Date Received: 2022-12-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: FCRA Section 604 Permissible Purpose FCRA Section 609 Disclosures to consumer
Company Response:
State: VA
Zip: 22554
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
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 credit plan as late for purpose.
Company Response:
State: NY
Zip: 10026
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
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 been trying to resolve a problem with the merchant and Discover credit card company for the past XXXX months. I made a purchase of XXXX drones from XXXX XXXX XXXX, a XXXX company, from an ad on XXXX on XX/XX/2020. The initial purchase for XXXX drones appeared not to go through, as there was no acknowledgement or email, so I ordered, again. I also sent an email to the merchant telling him to please cancel XXXX of my XXXX purchases. The merchant replied with an email, directing me to call a telephone number, which I did, but it appeared out of order. I sent another email telling them it is out of order, and they sent me an identical email telling me to call that same number. I called the number several times over the next several days. I googled the merchant and found horribly negative reviews, making it sound like a scam. I became suspicious, and notified Discover card of the problem I had reaching the merchant. I requested that they not pay the charges. They told me to wait until the charges came through, and then they could deal with it. They did gave me another number to call for the merchant, and it, too, did not answer. I filed a complaint and later received a notice from Discover that they would not credit my card because the charges were valid based on information provided by the merchant. I took a deep breath and sent them the attached letter and emails. After they reviewed the letter and emails, Discover sent me another denial. I couldn't believe it and called to speak with the Dispute department, today, and was told that the only way they could get my money back was to have something showing that the merchant had authorized the return, which wasnt possible since I could not reach the merchant. I had to ask her to repeat herself several times that she said she could not help me further until she receives something from me that shows that the merchant agreed to refund my money. I tried to explain that it was impossible since I couldn't reach the merchant. As a side note, at XXXX point, late in the conversation ( argument ), she told me that the merchant give XXXX days to return the product for a refund. I had notified the merchant the day after the purchase. At another point, Im sure she said that the merchant had agreed to a refund if I returned the product. Once again, I was flabbergasted. I have been arguing for half an hour, and that was all that I really wanted. I told her that was acceptable, but when I tried to address it later in the conversation, she ignored me. Lastly, during my previous conversation with Discover, I told them that the drones were not Blackbirds, as was identified on the advertisement. I told her this was fraud. But when I brought up the issue of fraud, she told me I was not allowed to file a dispute of any kind on the same claim, even for fraud. So we are also dealing with deceptive marketing practices, I would think. Thank you for your time and consideration. I hope to hear from you soon. XXXX
Company Response:
State: FL
Zip: 33908
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Dear Discover Bank, XXXX XXXX charged me a yearly membership fee of {$270.00}, despite canceling the membership before the trial period ended. I filed this at the dispute center and was given a conditional reversal of payment, with no explanation given. XXXX canceled the XXXX membership ( you can see on my account that it's advertising me to reactivate it ). There is not a valid reason that I should be charged for this. XXXX has confirmed to me that this was a mistake. I've been a loyal customer for over a decade, but I will have to stop using this card if there is no assurance that I will not be held accountable for unauthorized purchases such as this. Best regards, XXXX XXXX
Company Response:
State: FL
Zip: 33134
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This notice is my, required by law, demand to " cease and desist '' collection activities prior to validation of purported debt and you must validate the enclose_d claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : The name and address of the organization or other governmental unit alleging a debt ; The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ; The name of the actual creditor even if that is myself ; The origin of the funds used to create this alleged claim of a debt The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental unit 's own funds that resulted in the enclosed alleged claim of a debt. The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name. Be advised that verification is defined ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) as follows : " Confirmation of correctness, truth, or authenticity. by affidavit, oath or deposition ''. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party. The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z. The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt. The person that prepares and swears to the validation of debt must describe : 1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) how long have you been in your position ; 4 ) when did you first come in contact with the alleged account/debt ; 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; 6 ) are you the person/employee who regularly works with the. alleged account/debt ; and 7 ) do you have personal knowledge about the alleged debt and/or any alleged account.
Company Response:
State: GA
Zip: 30096
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: NOTICE TO AGENT TIS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT. In pursuant to 15 usc 1666 ( 3 ) ( i ) ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or I do not agree with the statement that has been reported on my consumer report without my consent, show me the documents that I gave them permission to report anything on my consumer report, further more they have infringed upon my rights to privacy. Due to the fact of them reporting inaccurate information on my consume report this has stopped me from being able to leverage my consumer report to acquire my everyday living and a new car pursuant to 15 usc 1681 ( a ) the banking system is depended upon fair and accurate reporting, furthermore you have infringed upon my right to privacy later stated within the congressional findings of the FCRA. I feel as the misuse of my credit is taking place because I am apart of a tribe and indigenous, they are discriminating me by reporting inaccurate information. Once again I demand that they provide me with the written communication in where I gave them the right to report these late payments, I demand deletion at once with these late payments reported on my consumer report. Credit is the right granted by me the creditor and with the deceptive and unfair practices they have affected me from exercising my rights and acquiring lines of credit. I Demand that they send the consumer file to the address below XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: In XXXX of XXXX I applied for a secured credit card with Discover Card Services. I paid a {$200.00}. deposit fee as stated to be part of the terms in the secured card to establish credit. They opened the account and immediately closed it. When my cards arrived my account had already been shut down with no reason given. They then held my deposit for 2 months before I received it back.They did the exact same thing to my wife and as I did some further research they have done this to numerous people seeking to improve their credit. This action taken by Discover is dishonest and negatively impacted our credit score as we were seeking to improve it, not destroy it. I have asked them to remove the account off my report as they actually never opened my account or did I ever have functioning cards with a open account at any time. We were never asked to Identify our selves at any time. This action taken by them destroyed my employment opportunity and caused my interest rate to go up with several companies I do business with.
Company Response:
State: AZ
Zip: 85202
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: A total of XXXX credit lines were opened under my name which I had no idea about The first credit line was for discover a total credit line of XXXX Discover claimed to flag the account as fraud and is under investigation Second credit line was not used, but still opened under my name The bank was : Ads XXXX XXXX A total credit line of XXXX Still trying to contact company Many inquiries were also ran without my consent
Company Response:
State: CA
Zip: 92028
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
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 was victim of a scam involving my Discover card on XX/XX/22. I received a text from someone purporting to be my boss, asking me to purchase {$1000.00} worth of XXXX XXXX XXXX. This person said he was in a meeting and couldn't talk, but needed the cards for a holiday gift and wanted me to take care of this errand for him. Of course, I wanted to help so I purchased the cards, and texted him the activation code, per his instructions. Moments later, I checked and realized the caller was not actually who he said he was and that I had just been scammed. I called my bank immediately ( within minutes ) and requested them to reverse the charges and to start an investigation. They said there was nothing they could do. They offered no help at all.
Company Response:
State: AZ
Zip: 85257
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
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: The complaint is not necessarily against Discover, but rather against the XXXX and XXXX and the way that credit card disputes are handled by these two merchants and my credit card. I returned a multitude of barbies to XXXX after having purchased many of them approximate in early to XXXX. I changed my mind about re selling Barbies on an individual level when my order of two ( 2 ) 2020 Day of the Dead Barbies, which retailed at close to {$1500.00} and I purchased for {$31.00} was cancelled. When this happened, I realized the potential for a great return had just been squashed and I returned Barbies to both XXXX and XXXX. Well, to date, and just recently, after many months, some of those unrefunded barbies which were returned months ago have been credited. But now XXXX has blocked my account, contending that Discover reported " unauthorized charges, '' and Discover, as well as XXXX where other merchandise was purchased, but also unrefunded, are referring some disputes to their FRAUD department. FRAUD!? Why? Unreturned and unrefunded charges merit a FRAUD referral? Due to this so called, " unauthorized transactions or charges '' XXXX has blocked or frozen my account and I can not access it to 1 ) review their contentions that both Discover and XXXX credited my account for some returned items, and 2 ) I need to confirm how many more items continue being unrefunded and unaccounted for. I want Discover to CREDIT all of my charges for items which were ALREADY RETURNED TO XXXX and which have NOT BEEN CREDITED, and I want XXXX to UNBLOCK MY ACCOUNT. As XXXX contends that Discover advised them of " unauthorized transactions, '' which is untrue and disingenuous, SOMEONE HAS TO TELL XXXX TO UNBLOCK MY ACCOUNT! And according to XXXX they blocked it because of what Discover reported! Unblock my XXXX account, CREDIT all of my returned merchandise and update my new telephone number to XXXX XXXX XXXX. thank you.
Company Response:
State: CA
Zip: 92802
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A