Date Received: 2022-10-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Discover bank freezed my debit card and not giving an explanation. They are accepting incoming payments such as check deposit, Inward deposit through bank transfer but not allowing me to use my debit card or banking. When i call they keep transfering many departments saying they have some special notes in the system on my account. I request for closing but in vain.
Company Response:
State: NY
Zip: 12205
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, these creditors have violated my rights under 15 USC 1681, Section 602 states I have the right to privacy. 15 ISC Section 604 A, Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, 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: OH
Zip: 43062
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
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: Information never changes on none of the accounts disputed and comes back as verified when there are clearly errors on account status, late or missed payments not being updated to none and collection accounts not being verified for removal instead being reported as charged off.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. purpose.
Company Response:
State: IL
Zip: 61109
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently Discover XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 34974
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: In XXXX, my husband co-signed on a XXXX loan from XXXX for his, then at the time, XXXX XXXXXXXX granddaughter with no credit history, to continue attending a university for her XXXX degree. The terms he agreed to for the loan at the time stated that he may be released from the loan responsibilities once he ensured the XXXX made the first XXXX payments. The XXXX did make XXXX payments on this loan before deciding to go back to school for XXXX XXXX XXXX XXXX and putting loans back into forbearance status in XXXX. During this time XXXX XXXX XXXX to release my husband from his co-signing responsibilities and remove the loans from his XXXX XXXX. However, during this time period XXXX apparently sold off many loans and several companies began calling us for payments all of which stated they bought the loan from XXXX. During this time I passed all the information along to my Granddaughter who resumed making payments and currently still making them. She is who is responsible for making the payments on the loan since we were to be released from it in XXXX by XXXX XXXX For years, both Discover and XXXX have been calling and harassing me and my husband for payment and loan information despite the fact that we are no longer responsible and should have been removed from due to upholding our original obligations for the XXXX to make the first 24 months of payments from XXXX. Now, in XXXX as I am trying to get a home improvement loan to cover the cost of an accident I have been denied due to Discover still having my husbands name tied to a student loan for my granddaughter. Each time I try to contact Discover to resolve the issue they refuse to accept that we have full-filled our responsibilities and only try to get us to make a payment. I have sent multiple documents to a representative at Discover with our original agreement with XXXX and payment statements. Each time I speak with a representative at Discover they claim that they have not received the documents. My husband is now XXXX XXXX XXXX, retired, and on a fixed income. We can not get our home fixed because this issue is not being resolved in a clear and timely manner.
Company Response:
State: GA
Zip: 30094
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
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: Hello, to whom it may concern please see my statement regarding an issue with a " late payment '' reported by the credit card company " Discover '' as they have reported a late payment that should not have happened in the first place due to an technical or miss understanding by there internal support team when contacted by me. I carried a balance with Discover due to being in a bad financial situation economically from COVID-19 in my business and how I was operated I was required to carry that balance and pay the minimum payment. I did not want to miss a payment as I have never had an issue with loans, credit cards, billing etc on being late or missing payments. I have had the card with Discover since XXXX with good payment history. It is a " business Discover it '' card. I called and spoke with a rep on XX/XX/XXXX when I noticed I was going to need to only pay the minimum balance on the account. I spoke to the rep for 15 minutes regarding being placed on Auto Pay and was under the impression from the conversation with the rep that I was placed on Auto Pay by them and good to go so that I would not miss a payment as I wanted to keep my account in good standing and not effect my perfect payment history on my credit score. I then got an alert about my credit score that I had a missed payment reported and was completely taken off guard as I was not aware that I was missing payments. I Immedi ately went into my account and settled the missing payment and called Discover again to explain my situtation and how I was under the impression of being on Auto Pay with them. They spoke to me and mentioned they must report what is accurate to the credit bureaus but I mentioned that they are not correct and I was placed on Auto Pay and assumed they were taking the minimum payment on my balance with them as I have never had an issue and never got a phone call or text from them. Which they later mentioned it is because they did not have a phone number on file with them for me. This was then just updated by Discover to now have my phone number for alerts. So I never even knew I was late because no one reached out to me. I also mentioned that I had a phone call with a rep on XX/XX/XXXX and that they spoke to me and said that I was on Auto Pay so I was not worried about the account being paid because I never thought that I was missing payments since I did not hear from anyone and was under the impression my account was in good standing. - I then mentioned if they had record of me calling them on XX/XX/XXXX and they mentioned that they can see that I did have a phone call with them but they do not have any record of what was discussed because the rep never took any notes on the call. So they are inaccurately reporting there information about me not being on Auto Pay with the phone call that I had with there rep that set me up. I have disputed and reached out to them multiple times to have this removed on there end as they are incorrect and reporting miss information from a technical or error from there rep of placing me on Auto Pay. This is a business Discover It card so I assumed that they were taking the money out of our business account each month as we have thousands of transactions that take place in that account there would be no way for us to know if it was or not as we assumed we were from my 15 minute phone call with Discover on XX/XX/XXXX. Please review this information and request that my late payment be removed. They have closed down the account and will not take the 30 day late payment that is being reported off my credit report but it is clearly a mistake on Discover for miss leading and taking advantage of me when I am always in good standing and organized with my finances as shown in my credit report and relationship prior to the phone call with the rep on XX/XX/XXXX. Thank you again for your time and help. We hope that we can take this off as it is effecting my family for we are trying to close on our home and this has dropped my score and caused concerns for lenders dramatically when it was not my fault for the late payment being reported since it was supposed to be on Auto Pay and I never got a phone call or text about the missing payments since they did not have my phone number in there system even after providing it to them from the begging of my credit application with them.
Company Response:
State: UT
Zip: 84045
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
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 am the consumer, natural person, made with flesh and blood. 15 USC 1681 section 602 A - CLEARLY STATES I HAVE A RIGHT TO PRIVACY! Furthermore!! 15 USC 1666b - a creditor may not treat a payment ima credit account open under an open end consumer credit plan as late for any purpose - HENCEFORTH! EVERY SINGLE LATE PAYMENT ON MY CONSUMER CREDIT FILE MUST BE DELETED OR CHANGED TO PAID, Pays as Agreed Also you had no written authorization from I, the consumer natural person made with flesh and blood, to furnish account information on my behalf. - 15 USC 1681 section 604 A - clearly states that a consumer Reporting agency can not furnish an account without my written instructions Again XXXX XXXX HAS NEVER RECEIVED A HANDWRITTEN CORRESPONDENCE FROM ME STATING DIRECTIVES TO FURNISH ACCOUNT INFORMATION ON MY BEHALF! I am reclaiming the vital role over my consumer credit file. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code $ 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. Definitions : Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something. 15 U.S. Code $ 1681s-2 states that you are a furnisher of information to a consumer reporting agency. You are prohibited by law to furnish inaccurate information. I demand you cease and desist the reporting of this incorrect and inaccurate information immediately pursuant to 15 U.S.C $ 1681s- 2 ( a ) ( 1 ) ( A ), which 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. '' YOU ARE HEREBY PUT ON NOTICE THAT YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ). Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to 15 USC 1681s-2 of your responsibilities as a furnisher of information. Furthermore, pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX ) providing a contract ( electronically signed by someone with a different name ) is not debt validation. You have caused me and my family severe harm due to your negligence and inaccurate reporting period this is a final opportunity to CURE and DELETE this erroneous, inaccurate, account from my consumer report. You have 10 calendar days to CEASE AND DESIST AND DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS. Failure to do so will result in me pursuing legal remedies under 15USC 1692k, {$1000.00} per each violation you have incurred. Pursuant to 15 USC 1681a ( 2 ) - definitions and rules of construction. States the following ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( There are numerous account listed with account activity balances and even payment history as if the fraud that is being perpetuated is legitmate. ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or Pursuant to 15 USC 1691a ( b - f ) - States the following : ( b ) The term applicant means any person who applies to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit. ( c ) The term Bureau means the Bureau of Consumer Financial Protection. ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. Also pursuant to FCRA 623 ( a ) ( 5 ) - if the credit bureau can not VALIDATE the information WITH THE ORIGINAL CREDITOR. They must remove the unverified account from said consumer credit file. In accordance with the Fair credit reporting Act 611 ( a ) ( 7 ) - this is not a request for the reinvestigation if the previous dispute ( s ). I am actually attempting to validate this debt. I want to know the method of verification used. Please answer the following questions pertaining to the accounts mentioned above. 1. Who is the original creditor? 2. The creditors address and telephone number 3. The persons name that they ( credit bureau ) verified the dispute with 4. The documentation used to verify the dispute If you are unable to provide this information in a timely manner the account must be deleted. Should you attempt to validate this information with deceptive forms pursuant to 15 USC 1692j - I will use that as proof should I end up in court because of your blatant refusal follow federal procedures/laws. account In question : Discover bank which is listed on XXXX account number : XXXX date opened : XX/XX/XXXX high credit limit : XXXX credit limit : XXXX payment status : current, was past due 30 days XXXX times missed payments : XX/XX/XXXX, XX/XX/XXXX this account has already been removed from my XXXX Credit file due to The " creditor '' not being able to validate the account. I highly recommend that you follow in the same footsteps. be well aware that any action other then deletion of this account from my consumer credit file is and will be considered Adverse action pursuant to 15 USC 1681a ( k ) ( 1 ).
Company Response:
State: NY
Zip: 10475
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: ACCOUNT BALANCE IS NOT ACCURATE-
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I have filed a dispute in regards to the incorrect item on my credit report, it has been over 30 days and I haven't received any investigation results.
Company Response:
State: NJ
Zip: 08046
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A