Date Received: 2023-12-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: discover # XXXX and XXXX progress is violating my right by posting acct on my credit report i didnt get also they denied me in posted it on my credit report i ask for them to remove it and they posted another account on my XXXX acct as paid but never done business with them because the XXXX the acct under 15 US 1681 ( E ) ( B ) they have to have wriiten consent to post the acct i ask for them to deleted in its falsely post on my acct as paid but never did business with them. 15 US 1681 i section 6.
Company Response:
State: CA
Zip: 90043
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: ACCOUNT CLOSED BY XXXX XXXX but it says pays as agreed.
Company Response:
State: CA
Zip: 92591
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: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I was a victim of identity theft and 2 accounts were opened in my name against my knowledge or consent. They were established before legal age of consent. I don't want neither account to affect me negatively and am requesting that these accounts be closed immediately with no credit impact. Please, assist and give me a call at XXXX if you should have any questions in relation to this matter. Thank you!
Company Response:
State: NJ
Zip: 08879
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Dear Sir/Madam, I am writing to file a formal complaint against Discover Financial Services concerning their refusal to provide me access to my own credit, which I believe constitutes a violation of Title 15, Subsection 1611 of the United States Code . Discover 's actions have had an adverse impact on my consumer credit, as described under 15 U.S. Code 1681. On XX/XX/2023 I applied for a discover card online. The terms and conditions do not expressly tell you that the application is turned into an asset backed security and sold so the company can profit whether credit card is approved or disapproved. I was denied credit, then upon researching the company 's filings and I read how they profit from the application, I immediately contacted discover and expressed my concerns. Discover response with their decision stands. I have attached relevant documentation, including correspondence with Discover, to support my complaint. I am deeply concerned about more than just the denial of access to my credit. I have reason to believe that Discover Financial Services may be involved in securities fraud. According to the company 's annual reporting ( 10-K ) and indenture agreement on file with the Securities and Exchange Commission ( SEC ) , the credit application I submitted to Discover appears to have been turned into an asset-backed security. This raises serious questions about the legality and transparency of their financial practices. Given these concerns, I believe it may be important to involve the Federal Trade Commission ( FTC ) in investigating how many applicants may have been affected by similar actions by Discover Financial Services. I kindly request that both the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) investigate this matter thoroughly and take appropriate action against XXXX File Number XXXX Discover Financial Services XXXX ( I.R.S. Employer XXXX XXXX. ) located at XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX for their alleged violations of federal laws, including potential securities fraud. I also request that the CFPB assist me in resolving the issue of denied access to my credit and ensure my access to accurate and complete credit information. Thank you for your prompt attention to this matter. I look forward to your response and resolution of this complaint. Sincerely, XXXX XXXX XXXX
Company Response:
State: AZ
Zip: 85339
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: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Became XXXX at the beginning of the year and finally got a job to pay off cards. I have been paying my cards off every month on the payment program and I still cant use my cards. Ive spent hundreds and every month and still cant use my card
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Records are still outstanding to this dispute and act or action of FRAUD. To Whom This May Concern : I need a formal written communication letter from XXXXXXXX XXXX XXXX legal department showing that such regulations in the XXXX XXXX XXXX Credit Bureau where they have such rights to impose upon credit cardholders the rights to obtain such Internal Revenue Reports on consumers under Form 4506-C. A Form 4506 has nothing to do with a credit card dispute or a credit file inquiry. If such does produce such regulations stating such. I too need the Department of Veteran Affairs Form received completed and signed off on under such record verification process. VA XXXX XX/XX/XXXX XXXX, I signed off on and consented to receive such records before making a charge to any credit card on file or record. Where are those records under such signed authorization? All records must be dated before charging such a credit card on file and such reporting to the credit bureau as a line of credit extended or authorized by the cardholder. Where are such official and legal records? I need such official records that should show and tell anyone or everyone, that I am responsible for something that I never authorized. XXXX has nothing to do with my Income Tax Return and to have such business in sending me some Form 4506-C. XXXX XXXX XXXX Legal Counsel is requested as requested before to cause this matter that is still not solved to this date. These records are still missing from the Consumer Financial Protection Bureaus System in nature to the event and activities conducted from XX/XX/XXXX XX/XX/XXXX under credit card number ending in XXXX. Where there is a charge, there are official and legal records. I need these records attached under an official and legal signature from someone in the legal department that you should have by now. I need these records under your next response for the records... Sincerely, XXXX XXXX XXXX Customer CC : Legal Review
Company Response:
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Under the XXXX XXXX ( XXXX ), specifically 15 U.S.C. 6802, I am asserting my unequivocal right to opt-out of the sharing of my nonpublic personal information with nonaffiliated third parties i.e Experian, and XXXX, as allowed by law. In addition to this opt-out demand, I instruct and demand that you take immediate action to remove any nonpublic personal information that may have already been disclosed to the said third parties. This includes, but is not limited to, any information shared since the inception of my relationship with your company. As a diligent consumer, I am concerned about the privacy and security of my personal information. This is not a matter to be taken lightly, and I trust that you understand the serious implications of noncompliance with this opt out demand notice.
Company Response:
State: NC
Zip: 28212
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: After attempting to resolve disputes with merchants several disputes were in fact misconducted. I have contacted Dispute billingdisputes and reviewed the below cases providing proof and review on how the disputes were not handled correctly causing thedisputes to be mishandled. Below is a summary of the XXXX disputes that were mishandled. XXXX. CASE XXXX XXXX XXXX XXXXAmount {$200.00}. The fact I was charged 2x for this transaction has been neglected. No Merchant response as well as the letter sent. XXXX XXXX XXXX XXXX {$110.00}. The wrong shoe was returned to XXXX and no credit was issued. This case was not processed as a return was shipped back and mishandled. XXXX XXXX record provided and no response from merchant. XXXX. XXXX XXXX XXXX {$350.00}. This merchant did not render the service. After several emails merchant responded with " the money has been charged back from there account '' Discover reversed the merchant charge back to me. The merchant has not responded for several months. XXXX. CASE XXXX XXXX XXXX XXXX XXXX. This merchant did not complete the assessment prior to pre operation causing to have another pre operation scheduled. In addition there were scheduling and financial issues causing credit reporting and negative score as a result. This merchant charge is not valid since they did not to there job properly. XXXX. CASE XXXX XXXX XXXX XXXX {$97.00} This merchant failed to disclose additional charges prior to rendering service. Merchants 3rd party response is not valid since the specific issue has been neglected. As you can see from the facts these cases were not assessed and handled accordingly.
Company Response:
State: NJ
Zip: 07003
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am a XXXX XXXX, I applied for student loans with a financial institution ( Discover Student Loans ). I was told by that institution that I would be able to consolidate the loans after my graduation. But after my graduation they told me that I am not qualified for a consolidation loan. I am therefore victim of misinformation that puts me in a predicament of a debt that is set in a way that is impossible to pay off, because I have been making payments of about {$10000.00}, but despite of that my debt has increased by about {$4000.00} in about one year. The bank told me to look elsewhere to consolidate the loans. What the bank puts me through is painfully unfair. I am not willing to make any more payments in this condition and I am willing to file a lawsuit against them.
Company Response:
State: FL
Zip: 33901
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have multiple unknown/unauthorized inquiries
Company Response:
State: TX
Zip: 75007
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A