Date Received: 2022-12-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Discover should have my account set for deletion on XX/XX/2022 Per Arizona State 3 Year Law. Please ensure this account will be deleted from my report!
Company Response:
State: AZ
Zip: 85033
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This relates to the consumer credit transaction that was started on XX/XX/2021, and completed by signing an agreement with your financial institution. in accordance with 15 USC 6827 ( 3 ) Any information, regardless of format, is considered a document. According to 15 USC 6801 ( a ), Financial Institutions must advise Consumers of their information sharing policies and give them the option to refuse certain sharing. Without providing me the chance to decline, your institution provided XXXX, XXXX, and XXXX with my nonpublic personal information for the above consumer credit transaction. The consumer report will not contain any information shared among people associated by corporate control or related by common ownership, in accordance with 15 USC 1681a ( d ) ( 2 ) ( ii ). Furthermore, according to 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ), the consumer must be informed in a clear and conspicuous manner that the company may share other information with individuals who are related to them by common ownership or corporate control, and they must be given the chance to request that the information not be shared with those individuals. Therefore, your organization has broken numerous federal laws in addition to violating my right to privacy. delete the information from my consumer report that is listed below. Account number : Discover Bank charge-offs : XXXX If you grant my request, I won't take this situation to the next level and file a federal complaint.
Company Response:
State: NV
Zip: 89074
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: The wrongful and deceptive act was when they reported lates to the credit reporting agencies while I was under a repayment plan which protected from that very act, along with canceling my card after you claim I requested it, but DID NOT, further creating more derogatory information to be reported and further damaging my credit rating and trust with other lenders as a result of your Unfair and Deceptive acts and practices. Furthermore, they then called in an effort to collect the debt, but failed to state the reason for their call, nor state that it was an effort to collect a debt. This act alone is deemed an Unfair Deceptive act or practices, and prohibited by credit collection acts and laws. It is presumed that this is their standard practice and if so, other parties are likely similarly injured by their deceptive practices.
Company Response:
State: MA
Zip: 01089
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check for {$1900.00} on Friday XX/XX/XXXX at XXXX XXXX from a business whom I XXXX for for XXXX years. Ive never had an issue with any of the over XXXX checks Ive deposited from them. As soon as I made the deposit a notice that {$250.00} would be available the next day and the rest would be available on the XXXX! The {$250.00} was never released leaving me without cash for the week. I had a friend XXXX me {$20.00} for lunch on Tues the XXXX, the money showed as available in my app, when I attempted to purchase lunch it was declined, multiple times. I call and speak to XXXX in Maryland at XXXX XXXX and informed her of my situation she claims to be a supervisor when I asked for one. She said there is nothing she can do, and Ill have to go without lunch today. The earliest she could process the check was Wednesday morning the XXXX. So in the evening around XXXX on Tuesday I call Discover and ask that they cancel the check so I can cash it at the bank from which it was issued the next day. They said they cant because its already been processed furthermore I check my app and miraculously the {$20.00} I needed for lunch is now available. This is not how you treat a client. Making false and/or contradictory statements. I live check to check and leave it to them Ill be scrambling to XXXX shop for my family 5 days before XXXX. Its aweful the way that they treat people and they deserve to be penalized if only by being exposed. Thanks for your time.
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: By consumer law, the company doesnt have my permission to report this on my profile Without my written permission 15 U.S. Code 6802 A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing I was a victim of identity theft and had already filed a police report and have sent all the credit bureau and proved more then once all physical evidence leading to my identity theft My mom and her current husband was the one who committed the crime and are being investigated, Social security welfare is involved I wrote a letter to irs trade commission also I did not open this account nor agreed to make payments My personal information was misused by my parents and Ive proved this over and over again, and my law as the consumer is not being met at all Idk how something is verified when its the thief who had my information, making accounts and making the necessary phone calls to cover their tracks.
Company Response:
State: NY
Zip: 12180
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have hard inquiries on my credit report that I dont recognize that I never seen before I didnt authorize anyone to pull my credit report and is affecting my credit negatively
Company Response:
State: OH
Zip: 44128
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: In accordance with the Fair Credit Reporting Act the following Accounts, have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting, everything has to be 100 percent accurate on my credit report. XXXX stated the Discover account XXXX opened XX/XX/2018 was properly investigated but how is that possible if I never applied for the Discover account XXXX XX/XX/2018 and have sent them a letter from Discover in which it states the account was opened fraudulently? I have also filed a police report and a FTC report.
Company Response:
State: CA
Zip: 92626
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I was denied an extension of credit from Discover which is unlawful and a violation of my consumer rights in accordance to : 15 U.S. Code 1681b ( 3 ) ( a ) - Permissible purposes of consumer reports, ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 12 CFR 1002.4 General rules. ( a ) Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. 15 U.S. Code 1691 - Scope of prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. 16 CFR 433.1 Electronic Code of Federal Regulations ( e-CFR ) Title 16 - Commercial Practices CHAPTER I - FEDERAL TRADE COMMISSION SUBCHAPTER D - TRADE REGULATION RULES PART 433 - PRESERVATION OF CONSUMERS ' CLAIMS AND DEFENSES 433.1 Definitions. ( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services.
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I filed XXXX XXXX in XXXX, FL XX/XX/2022. I only had a few creditors in it. DISCOVER CARD is showing as XXXX of those filed for petition of XXXX XXXX and THIS IS INCORRECT. THEY WERE ALWAYS PAID AS AGREED AND THE LAST STATEMENT I RECEIVED SHOWED XXXX BALANCE. I have disputed thru all three bureaus and it never us corrected. I CALLED DISCOVER ON XXXX @ XXXX spoke to BK DEPT XXXX XXXX She said since they received notice from middle XXXX that I had filed, this is how they report? I told her that they are in violation of fair credit act and deceiving misreporting me. She spoke to supervisor XXXX. They said it would be CORRECTED. I DEMANDED A LETTER TO CLARIFY THIS. They sent one letter stating the account has been closed but NOTHING about removal of XXXX XXXX filing. I have reviewed my reports weekly and nothing has been done.
Company Response:
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Discover has violated my rights as a federally protected consumer. They provided my information to a ( 3 ) third party entities which is a direct violation of their own privacy act and 15 USC 6802 - 15 USC 6805 ; a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given notice to opt out and now theyve damaged my credit profile! XXXX, XXXX, and XXXX has also violated this law and furthermore have been reporting transactions between me and the financial institution Discover. Ive also written to Discover as instructed in the monthly statement mailed to me by the company ; claiming the credit balances on XX/XX/2022. They have yet to remit and apply this to my account. I havent been able to use my card since XXXX!
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A