Date Received: 2022-11-17
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: The debt collector ( XXXX XXXX XXXX XXXX XXXX ) collected exempt funds from my checking account. Ive tried to contact the collector about the matter, but the collector has failed to respond.
Company Response:
State: NY
Zip: 11691
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Not my account its been removed from XXXX and XXXX but XXXX will not remove this should be marked as inaccurate
Company Response:
State: MI
Zip: 48141
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX received an updated Consumer XXXX XXXX Report # XXXX dated for XX/XX/2022, I contacted XXXX XXXX XXXX in a letter stating you are in violation of credit reporting act 15 USC 1681B for unlawfully obtaining my XXXX XXXX and XXXX XXXX Consumer report on the dates XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Without my authorization and permissible purpose under the FCRA as a result of you unlawfully obtaining my custom report you are liable to me actual damage or statutory damage up to {$1000.00} and punitive damages. I am willing to settle this matter without admitting liability, cease and desist obtaining copies of my consumer report from the consumer reporting agencies pay me {$1000.00} and deliver it to my address above within 10 days of receiving this demand. Please advise as a secured party/creditor, I am prepared to place a commercial lien on your company if you do not comply with this demand upon time or receipt of the thousand dollars and deletion or any increase on my credit file this letter should serve and shall be general release of all claims herein. I have a contacted XXXX consumer reporting Agency about this matter giving them proof of identity theft and they have since blocked Discover from my reports and I have it for my reference. Discover knowingly viewed my reports knowing they had no permission to do so.
Company Response:
State: TN
Zip: 38018
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: After, receiving an invitation from DISCOVER to apply for secured credit card account. On XX/XX/XXXX I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602. The purpose of this consumer credit transaction was to obtain a personal secured credit account on DISCOVER. I filled out the form online, and provided every document required. I was immediately approved for a new secured credit card. Throughout the year I enjoyed using my discover credit card, but due to being a victim of identity theft and a part of XXXX, XXXX XXXX, and XXXX XXXX breach. My discover credit card, and also information was stolen and used for multiple fraudulent charges. DISCOVER was aware of the fraudulent charges and decided to issue me Provisionals credit for each transaction that was unauthorized. Moving forward I decided I could not bear the pain of DISCOVER mishandling my personal information, and by letting unauthorized charges continue to occur on my account. I was also told a fraudulent charge was authorized by me, due to a wet signature, as if any random person cant sign my XXXX XXXX. I was uncomfortable with continue business with discover. I beg and plead with DISCOVER to close the account, due to the fact my personal information was constantly getting hacked and used. A representative from DISCOVER pressured me into not closing the account she threatens me with saying I will not get approved for any future accounts by DISCOVER. As I took the representative advice once again my account was hacked, and DISCOVER failed to protect me as a consumer. Discover finally agreed to close the secured credit card with a {$0.00} dollar balance. Discover also agreed to issue out the original deposit of {$400.00} dollars used when account was opened. On XX/XX/XXXX I received an email stating I the consumer was a liar, and responsible for all charges, and ALL charges will be reversed. Discover is running my credit reputation by reporting a balance of {$580.00} dollars in which, is not owed. Discover did not follow their agreement in protecting me as a consumer, while willing knowing Im not responsible for any fraudulent charges. NO consumer is responsible for fraudulent charges that is unauthorized by the consumer.
Company Response:
State: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
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: I sent several dispute letters to discover bank regarding inaccurate information on my consumer report discover bank refuse to remove this item off my consumer report. I feel like Im being taking advantage of and they are disregarding my disputes. I know my rights as a consumer and discover bank is not following the law.
Company Response:
State: NV
Zip: 89074
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX XXXX XXXX {$300.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX & XXXX XXXX {$390.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$32000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT DISCOVER BANK {$200.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$3600.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Company Response:
State: AZ
Zip: 85255
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have had a Discover Credit Card for over 5 Years. Have always made my payements on time. I recieved an email from Discover stating that my account would be going through a verification and was forwarded to sign a document to confirm my identity with the IRS. I Signed and submitted the document as requested. Discover was informed that my taxes were not filed in 2021. I informed Discover that my taxes was fraudulently filed and going through a process to handle it. Discover stated that I would have to send 3 months of bank statements and provide a notarized letter that they provided to be signed. I submited the requested documents, they then emailed me about a week later stating that I had the incorrect notary form, which was a form that was sent to me by their customer service representative and was emailed the correct form. I contacted Discover about two weeks after to get an update, they stated i would have to wait for an email that i would get after my documentation is reviewed. A month later I still recieved no email from Discover or recieved any phone call. I had to call in to learn that they only had two bank statements when I confirmed with a representative that it was recieved and that an email was sent on XX/XX/XXXX to request the statements again, I recieved no email from them at all. The rep stated that it is nothing that can be done. I find it weird that I get all the other emails from Discover and it was confirmed that my bank statements were recieved then now its that they dont have them. This needs to be corrected, this is my highest card that I have. Discover is horrible for silently closing my account and trying to play games.
Company Response:
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I opened a new online savings account with Discover. On XXXX, I initiated trial deposits, originating from my Discover account, to link an external savings account ( w/ XXXX ). After verifying those trial deposits, on XX/XX/XXXX, I scheduled an XXXX transfer of {$35000.00} from my external savings account via the Discover portal. This was primarily done to meet an opening bonus requirement advertised by Discover. On XX/XX/XXXX, I could see the XXXX deducted from my XXXX account, with pending availability in my Discover account. On XX/XX/XXXX, Discover informed me that " we noticed unusual activity on your account. For security purposes, we have suspended access to your account ''. I tried contacting Discover 's fraud department on this issue, and after an blind transfer an agent informed me that the account was suspended pending additional verification. After multiple attempts, we managed to get on a conference call with a rep from my external bank, who was unable to provide Discover with the information they wanted due to a system outage. I've had a checking account with Discover since XXXX that has always been in good standing. I'm a long term customer, and there is no realistic risk here. At present, my existing checking account ( completely unrelated to the transactions described ) and new savings account remain frozen and all funds held with them, including the {$35000.00} have effectively been stolen. The agent informs me that my funds will not be released until XXXX discloses whatever information Discover 's internal fraud policy dictates and that it is my responsibility to coordinate a conference call between both banks. I have no idea how any of this is legal, but if Discover has a policy whereby they are happy to initiate large transfers of money, it seems absolutely ridiculous to subsequently hold that money XXXX and freeze all accounts that are held with them after the fact. This is especially the case when they are advertising to customers to transfer those large sums of money. If potential fraud is suspect, customers should be warned of a problem before they initiate a transfer. Critically, a customer shouldn't have to coordinate amongst multiple banks just to have access to funds that are rightfully theirs. If a bank 's has internal policies that they believe protect their bottom line, the onus to validate said policies certainly shouldn't fall upon customers. I just want my Discover accounts to be unfrozen. I just want my money back.
Company Response:
State: CA
Zip: 94107
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
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 made my payment XXXX on time through money order. An employee explained to me if I mail out a payment I will get it on time. I called the company when I noticed that the payment was sitting in the process room. It's a secured card and XX/XX/2022 will make 7 months and a consideration for graduating to a unsecured card. Discover withheld my payment and applied it a day after the date. I have never been late and they are penalizing me when they gave wrong information and withheld my payment. They need to rectify this immediately. I will be reporting them to XXXX XXXXd my attorney general.
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XXXX date is Wednesday, XXXX XXXX, 2022 -In the past days, Ive received emails from Discover, of which Ive been a long time card holder, in excellent standing, with a large credit limit, of which I now have a very low balance. -The emails are demanding I sign an XXXX verification form XXXX, as to give Discover full access to my XXXX transcripts. If I do not, they will close my account, of which will bring down my credit score as to the long term excellent history I have with them. -Thinking this a scam, I called Discover to learn it was actually true. -Discover claims this verification info will be acquired by a XXXX party, that being XXXX XXXX -Upon receiving numerous emails from XXXX XXXX I called XXXX XXXX this @ XXXX XXXX XXXX XXXX and spoke with XXXX. XXXX XXXX me that XXXX XXXX NOT communicate via email, but only by post office mail. XXXX XXXX me that this was a scam for their company does not do XXXX party verification such as this. He then went to his superior to confirm, of which the supervisor said the same. This all occurred this day, XX/XX/XXXX, to the above phone number at XXXX XXXX central time. -I was told by XXXX XXXX call Discover and relay the information I was told, and to direct Discover to call the XXXX XXXX line at XXXX XXXX XXXX XXXX. - I first called Discover consumer service where I was told a supervisor would call in the next 3 business days. -I then called Discover XXXX at XXXX XXXX XXXX XXXX. I spoke with XXXX. Upon telling him the full story, he agreed to open an investigation and I would here from him in the next 4 weeks. He also gave me another number to reach him : XXXX XXXX XXXX XXXX. He said this was not a scam and was quite real. * I do not see it as normal business practice to ask my release to my XXXX account. I did offer to XXXX a copy of this years tax return, redacted, to prove income. * I do not know why I am being targeted with a perfect record. * Should they close my account, my credit will be drastically affected due to the length of this good standing account.
Company Response:
State: TX
Zip: 76712
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A