Date Received: 2022-10-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Discover acct # XXXX I got a credit report and I think it's wrong. I was told I have a right to have a investigation done. Credit reporting laws ensure the bureaus only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. Remove the late payments and correctly report the payments on my credit file.
Company Response:
State: NV
Zip: 89102
Submitted Via: Web
Date Sent: 2022-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. This account unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. DISCOVERBANK XXXXXXXXDate Opened : XX/XX/2017 Balance : {$10000.00}
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I got the credit card and paid more than the bill every month on auto pay. I have their app and they said they sent a letter and I did not respond but I didn't receive a letter. I pay every month and the account was closed.
Company Response:
State: OK
Zip: 730XX
Submitted Via: Web
Date Sent: 2022-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I filed an Identity Theft report with the FTC and the IRS affidavit and provided the documents to the card company detailing the unauthorized transactions and provided the ftc form required to request that negative information not be released or reported to credit agencies. The subscriber has not cooperated with my request and has consistently changed the comments, statuses, or other information to circumvent my request to the point where they are deliberately trying to discredit me. I have requested all the relevant information from the subscriber and what they have reported to credit bureaus but still havent received any information. Im including my documents again as a final request before Im forced to pursue any other legal issues.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-16
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: Hello, At about XXXXXXXX XXXX on XX/XX/22 we purchased XXXX tickets online for an event from XXXX XXXX and the charge was made on our Discover Credit Card in the amount of {$160.00} ( {$75.00} per ticket plus service fees ) They sent Tickets for Friday the XXXX of XXXX, we ordered tickets for Saturday the XXXX. We notified them as soon as we saw the error at about XXXX XXXX on the XXXX and only received a computer generated message indicating the matter would be investigated. Before we purchased the tickets for the event we made hotel reservations and the reservation for the hotel was only able to be cancelled before XX/XX/22 at XXXX without a charge. We emailed the vendor again regarding the error early on the morning of the XXXX, text messaged them also and left XXXX voice mail messages stating that we needed to know by late afternoon of the XXXX that we would be receiving corrected tickets before we would be charged for the hotel reservation if we had to cancel. No response other than the notification regarding the investigation was ever received. We cancelled the hotel because we were in limbo when the deadline approached. XXXX sent corrected tickets on the XXXX XXXX hours after our free hotel cancellation deadline had expired and never communicated with us regarding whether or not the tickets dates would be corrected. When we tried to make a new hotel reservation after receiving the tickets for the correct date, there were no hotel rooms available. We asked that the purchase be cancelled and our credit card issued a credit. It has been declined and our dispute denied by Discover because they state the correction was made, although by that time we were unable to get a new hotel reservation. The XXXX charge was made immediately and yet it took XXXX hours to make a correction. If they had only communicated to let us know that we would get corrected tickets in time, this issue could have been avoided. But XXXX did not. We cancelled our Discover account but would like to be credited for the {$160.00} by the vendor XXXX XXXX. We have no outstanding balance other than the disputed amount. We also have {$14.00} XXXX Back owed to us by Discover. Respectfully, XXXX XXXX XXXX
Company Response:
State: NM
Zip: 88012
Submitted Via: Web
Date Sent: 2022-10-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XXXX, Discover Card Services hired the Law Firm of XXXXXXXX XXXX XXXXXXXX to file a lawsuit against me for an outstanding credit card debt. I was not aware of this debt or of the court filing nor was I ever served. The law firm presented documentation to the court that I was served and a default judgement was granted. In XXXX, my wages were garnished and became aware of this judgement. At that time, I contacted the law firm who was uncooperative and refused to provide any additional information. As recommended by the Sherriff 's office, I filed a Claim of Exemption in which XXXX XXXX XXXX did not respond. In XXXX, I became aware that an extension was granted to extend the original judgement. Again, I was not served and did not have knowledge of this filing. I immediately filed a Motion to Vacate that judgement, however, at the hearing, the judge made a pre hearing decision to deny my motion. I again, contacted Discover Card 's attorney for proof of this debt but they refused to provide that information. I then contacted Discover Card Services directly and requested proof that this debt belonged to me and that is was a valid debt. I advised Discover Card that I had a credit card with their company that was opened in XXXX but has long been closed. The judgement was against a card in my old married name and was ( per Discover Card ) opened in XXXX. Discover Card advised me that they would open an investigation for fraud and advise me of their decision within 90 days. On XX/XX/XXXX, I received a letter from Discover Card stating that the debt was valid. " Our records reflect that the account was opened in XX/XX/XXXX. The account was applied for via the internet, and a name, address, and social security number were provided so that we could process the application. '' Discover Card also advised that have not sold this debt. On XX/XX/XXXX I sent a reply via XXXX Mail requesting proof that this debt belongs to me and as the original creditor that they instruct XXXX XXXX XXXX to provide proof that this debt belongs to me. The file has remained open since the original court filing and should contain proof of debt. Discover Card has not responded to my request.
Company Response:
State: CA
Zip: 95630
Submitted Via: Web
Date Sent: 2022-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX -reported late payments during COVID Discover - Late payment
Company Response:
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Discover cards closed my account stating that I needed to pay at least the minimal amount, which I have. This is an adverse action it is discrimination and unlawful. It is prohibited by title 15 USC 1691. For the purpose of this subsection adverse actions means a denial or revocation of credit the scope of this chapter is prohibited it is a discrimination.
Company Response:
State: CA
Zip: 95765
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: - XXXX of XXXX : I received an email saying that Discover Bank decided to freeze my account and close it for a business decision. I made many calls that day trying to figure out why they did it and couldn't get an answer from their agents or supervisors regarding reason of closure. - XXXX of XXXX : I made a complaint with CFPB. - XXXX of XXXX : Discover Bank replied to my complaint saying the same thing, and that they will send me my funds as a check after 60 days. - XXXX of XXXX : I called Discover Bank to ask about my check, the agent literally told me the account is not closed yet and that it is still pending closure. - XXXX of XXXX : I posted this issue on a public forum and people advised me to take it to the FDIC and contact CFPB which I'm doing right now.
Company Response:
State: CA
Zip: 90033
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I made a payment within 30 days and Discover reported negatively on my credit report that I did not make a payment.
Company Response:
State: AL
Zip: 35226
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A