Date Received: 2023-12-13
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have been a Discover Card customer for 31 years. I moved recently and received a paper statement. I was shocked that my interest on cash advances was {$57.00}. My bill does not show a cash advance. I spoke to 8 customer service representatives, and none could help me find the original amount to dispute. I contacted XXXX at the Discover Executive Offices. She investigated and found there was a cash advance of {$500.00} in XX/XX/2011 which I dont recall. I have been paying interest for 12 years and now the cash advance balance is {$2400.00} all from interest since I pay the minimum each month. I dont check my statements because I automatically pay all my bills online. Discover Financial Services has abusive interest practices. The current rate is 27 %. I am now a XXXX woman on social security. They offered only to lower the rate but the issue is the balance and interest I paid over 12 years. How did a {$500.00} cash advance escalate to {$2400.00}? I hope you can help me get this amount reversed on my bill.
Company Response:
State: CA
Zip: 92081
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to15 U.S. Code 1681a -Definitions ; rules of construction ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Reporting transaction history and utilization is illegal.Discover Bank, and XXXX XXXX XXXX have been reporting my transaction history since the opening of each account, to the credit agencies XXXX, XXXX, and XXXX, who then have been providing that information to everyone who has run my credit which is a violation of the FCRA. Please remove any reports of transaction/ utilization history from the credit reporting agencies, XXXX XXXX XXXX, and XXXX and update the report to reflect all accounts paid as agreed from this day forward.Discover Bank, and XXXX XXXX XXXX , are all in violation for sharing this information. The Fair Credit Reporting Act 15 USC 1681 section 602 statesthat '' There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Discover Bank, XXXX XXXX XXXX ( the financial institutions ) and the consumer reporting agencies, XXXX, XXXX and XXXX do not have my consent to furnish this information. I as the consumer have the right to make sure my private information isn't shared which is backed by15 USC 6801whichstates " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.Discover Bank and XXXX XXXX XXXX are financial institutions under that title.15 USC 1681 section 604 a section 2statesthat " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : by the written instructions of the consumer to whom it relates. '' Discover Bank, XXXX XXXX XXXX, XXXX, XXXX, and XXXX do not have my written consent to furnish this information via written or verbal consent. All consent to Discover Bank, XXXXXXXX XXXX XXXX, XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Discover Bank, XXXXXXXX XXXX XXXX, XXXX, XXXX and XXXX do not maintain reasonable procedures. All transaction history/ utilization are to be removed from the report and to no longer be reported. The reporting from the financial institutions Discover Bank and XXXXXXXX XXXX XXXX on my report from here on out should be reported as Paid as agreed.
Company Response:
State: NJ
Zip: 07065
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to15 U.S. Code 1681a -Definitions ; rules of construction ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Reporting transaction history and utilization is illegal. XXXX and Discover personal loans, have been reporting my transaction history since the opening of each account, to the credit agencies XXXX, XXXX, and XXXX, who then have been providing that information to everyone who has run my credit which is a violation of the FCRA. Please remove any reports of transaction/ utilization history from the credit reporting agencies, XXXX XXXX XXXX, and XXXX and update the report to reflect all accounts paid as agreed from this day forward. XXXX and Discover personal loans are all in violation for sharing this information. The Fair Credit Reporting Act 15 USC 1681 section 602 statesthat '' There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Discover personal loans, ( the financial institutions ) and the consumer reporting agencies, XXXX, XXXX and XXXX do not have my consent to furnish this information. I as the consumer have the right to make sure my private information isn't shared which is backed by15 USC 6801whichstates " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX, and Discover personal loans are financial institutions under that title.15 USC 1681 section 604 a section 2statesthat " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : by the written instructions of the consumer to whom it relates. '' XXXX, Discover personal loans, XXXX, XXXX, and XXXX do not have my written consent to furnish this information via written or verbal consent. All consent to XXXX, Discover personal loans, XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Discover personal loans, XXXX, XXXX and XXXX do not maintain reasonable procedures. All transaction history/ utilization are to be removed from the report and to no longer be reported. The reporting from the financial institutions XXXX and Discover personal loans, on my report from here on out should be reported as Paid as agreed.
Company Response:
State: NJ
Zip: 07065
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. Please send me a copy of the credit application/contract bearing my signature associated with my account, with no information redacted, NOT my cardmember agreement but the signed contract. I understand that under the Truth in Lending Act, Fair Credit Reporting Act and Consumer Credit Act, I am entitled, as a signing party to the contract/application, to receive a copy of any credit contract and a statement of account when I request it. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation and am in a contractual obligation.
Company Response:
State: WA
Zip: 98166
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/, my Discover credit card payment was reported as late and with an incorrect past-due amount to the credit bureaus. This has significantly affected my credit score, where it has decreased by over XXXX points with numerous cards limiting my available balance because of the alleged supposed increase in my risk profile. I believe I was enrolled on autopay, I do on most of my cards. I did not receive any notification in the mail about any late payment as required by the FDCPA and the RFDCPA, since I'm a California resident. To the extent my payments were late because I was not properly enrolled on autopay, I have no problem paying a late fee per my contractual obligations. But the payments should not have been reported as late to the credit bureaus without offering me a fair warning to fix the situation. At a minimum, I should have been given official notice to make the payment before it was reported as later. Indeed, as soon as I saw the credit bureau late payment report, I immediately paid the balance to bring back the account as current.
Company Response:
State: CA
Zip: 90241
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Someone stole my credit card number and were withdrawing money from the ATM I have had that card for over 30 years and never made a ATM withdrawal. Discover never contacted me .this was identity theft.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with the fair credit reporting act, this creditor has violated my rights under 15USC 1681 section 6 0 2 states I have the right to privacy. 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response:
State: NY
Zip: 123XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Interest rates are too high
Company Response:
State: OK
Zip: 73109
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This Credit Card Company name Discover Card Service continue to harass consumer by doing illegal events and tactics to disrupt other credit bureau agencies. I have made my points very clear before and have asked for Discover Card Service XXXX XXXX Department over the months. They have not produced or provided me with such legal counsel office direct contact information. They are still doing illegal events and tactics with XXXX Credit Bureau and XXXX in placing such negative information on my credit profile to cause issues in nature to my credit profile. Discover Card Service and XXXX have had enough time to gather their evidence and send such to me through this forum or panel. Therefore with this complaint resubmitted and on the official and legal record both should be able to send me the written contract signed by me as well as any proof saying that something is wrong with my address, etc. I have disputed this once before with XXXX, Discover Card XXXX, and XXXX for all three are in this together and all three should be able to produce such communication from the Internal Revenue Service and myself giving them authorization and my consent to be tampering with my credit profile. In response to this, I want their legal counsel information so that this legal matter can be taken to court to address these issues for this has gone too far. All three should be held liable for all attorney fees and court fees. I want a copy of all three credit bureau reports to be sent to me through this forum or panels as well and you to have my consent to produce and provide such to the Consumer Financial Protection Bureau before going into court regarding this legal matter of credit issues and character. Discover has been paid and this account or issue is not in delinquency. I have too much proof and records to validate and support this complaint. It is all on the Consumer Financial Protection Bureau 's System. They are in clear violation of the Federal Debt Collection Act under section See 28 U.S. Code Chapter 176, should I say more here... CEASE AND DESIST and get off my personal information and off my credit profile for, I don't owe anyone anything. You owe me MY PROPER RECORDS under the exact PROPER RECORDS, I am demanding here. A credit card company is not entitled to get any of my income tax records or anything that I have not consented to. Show where I have consented to you to obtain any such official and legal records. You should have all the Department of Veteran Affairs records that I signed off on for you to get for your official and legal records. Where are they?
Company Response:
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This Credit Card XXXX name XXXX XXXX XXXX continue to harass consumer by doing illegal events and tactics to disrupt other credit bureau agencies. I have made my points very clear before and have asked for XXXX XXXX XXXX XXXX XXXX Department over the months. They have not produced or provided me with such legal counsel office direct contact information. They are still doing illegal events and tactics with XXXX Credit Bureau and XXXX in placing such negative information on my credit profile to cause issues in nature to my credit profile. XXXX XXXX XXXX and XXXX have had enough time to gather their evidence and send such to me through this forum or panel. Therefore with this complaint resubmitted and on the official and legal record both should be able to send me the written contract signed by me as well as any proof saying that something is wrong with my address, etc. I have disputed this once before with XXXX, XXXX XXXX XXXX, and XXXX for all three are in this together and all three should be able to produce such communication from the Internal Revenue Service and myself giving them authorization and my consent to be tampering with my credit profile. In response to this, I want their legal counsel information so that this legal matter can be taken to court to address these issues for this has gone too far. All three should be held liable for all attorney fees and court fees. I want a copy of all three credit bureau reports to be sent to me through this forum or panels as well and you to have my consent to produce and provide such to the Consumer Financial Protection Bureau before going into court regarding this legal matter of credit issues and character. XXXX has been paid and this account or issue is not in delinquency. I have too much proof and records to validate and support this complaint. It is all on the Consumer Financial Protection Bureau 's XXXX. They are in clear violation of the Federal Debt Collection Act under section See XXXX XXXX Code Chapter XXXX, should I say more here... CEASE AND DESIST and get off my personal information and off my credit profile for, I don't owe anyone anything. You owe me MY PROPER RECORDS under the exact PROPER RECORDS, I am demanding here. A credit card company is not entitled to get any of my income tax records or anything that I have not consented to. Show where I have consented to you to obtain any such official and legal records. You should have all the Department of Veteran Affairs records that I signed off on for you to get for your official and legal records. Where are they?
Company Response:
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A