Date Received: 2022-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Im the victim of identity theft and I did NOT open or authorize a Discover account ending in XXXX with balance of {$13000.00}. I requested Discover bank to investigate this fraudulent account, and they were concluded that I'm responsible for this account and the balance. I didn't agree with the investigation result, so I sent an appeal letter to Discover bank request to re-investigate. In the appeal letter, I have enclosed the copy of my FTC identity theft report, Police report case number, and copy of my IDs supporting my position. However, Discover bank did not conduct re-investigation due to " not enough evidence ''. However, the evidence is very obvious, because the address that was listed on the fraudulent account was NOT even my address, that means Discover bank enable this fraud happened because they allowed someone to use my name with an incorrect address to open a credit card account that I didn't authorize. I filed a police report about this identity theft and the case is still under active investigation. I provided my case number to Discover bank with the hope that they will work with local law enforcement to protect my right. However, Discover bank did not contact the police department for information and did not even take effort to re-investigate this fraud.
Company Response:
State: WA
Zip: 98036
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: Confusing or missing disclosures
Subissue:
Consumer Complaint: After reviewing my consumer report I am concerned about some information that has been reported, I believe that my consumer rights have been violated according to 15 U.S.C 1602 ( g ) there is no valid proof on the evidence of indebtedness with this credit transaction. 15 U.S.C 1602 ( k ) I was not provided an adequate notice that clearly showed I owed this debt, and because of this, I made an uninformed decision by a computerized agreement. 15 U.S.C 1602 ( p ) unauthorized use because I did not benefit from this transaction. According to 15 U.S.C 1681s-2 ( a ) on ( XX/XX/XXXX ) this company then closed the account and furnished an account on my consumer report without my consent. 15 U.S.C 6802 Gramm-Leach-Bliley : 15 U.S.C 6802 ( a ) ( a ) Notice : This company directly disclosed my personal information to multiple nonaffiliated third parties, and did not provide me with a notice that complies with section 6803 of this title. This company did not have my verbal consent to use and share my information with other nonaffiliated institutions, which by law is a violation of identity theft. 15 U.S.C 6802 ( d ) This company disclosed five late payments to nonaffiliated third parties which still reflects on my consumer reports. 15 U.S.C 6802 ( b ) Opt-Out This company actively disclosed my nonpublic personal information to nonaffiliated third parties which such financial institutions did not clearly and conspicuously disclose this information to me, in writing or in electronic form under section 6804 of this title, that such information may be disclosed to such third party ; This company has never given me the opportunity, to initially disclose this information, and refuse that such information shall not be disclosed to such third party ; and that I am given an explanation of how the I can exercise the nondisclosure option. I have never received an opt-out explanation from this company for the duration of my extension of credit. ( XX/XX/XXXX ) - ( XX/XX/XXXX ) After this company closed my account on ( XX/XX/XXXX ) the company customer representative explained that I would have to reapply for my right to extend credit, I then applied for my right to extend credit and was denied 9 times over the course of the year XXXX - XXXX. Which makes this company liable to 15 USC 1681 ( a ) ( 2 ).
Company Response:
State: VA
Zip: 24017
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
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 15 USC 1681 section 602 states, I have the right to privacy 15 USC 1681 section 604a section 2 also states that 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-end consumer credit plan as late for any purpose.
Company Response:
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Discover has been calling me nonstop for days after telling them to stop. I explained I had a medical issue and had trouble making ONE payment that they are harassing me over. Dozens of calls and voicemails
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: In 2018 my Discover card was closed due to no fault of my own. I attempted to add my discover card to a debt consolidation plan and was denied entry into the program because they didnt agree with the reduced interest rate terms. Shortly after that my card was closed and I never received a letter from them stating why. During that time, I never missed a payment and ended up paying the card in full. And now when I apply, Im getting told that my card was revoked and to keep trying and that there is nothing they can do. I pulled all my credit reports and none of them are saying that my card was revoked. It isnt fair, but it seems like I will constantly be denied even XXXX XXXX years later.
Company Response:
State: FL
Zip: 33162
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Hi, I received a debt collection letter, and I have a concern I would like to bring to your office. XXXXXXXX XXXX XXXXXXXX, XXXX. ( XXXX, MA ) sent me the letter. While they are a legitimate law firm with actual lawyers on staff, their letter appears to make a consumer think it's communication from lawyers at their firm, when in actuality it's not. On the immediate top, left-hand side, the first thing I read was their address : XXXX XXXX XXXX XXXX XXXX. ATTORNEYS AT LAW XXXX XXXX XXXX, XXXX, MA XXXX Therefore, I thought this letter was from an attorney that was trying to sue me. In fact their website boasts that they are attorneys that go after debt collections. However, I noticed the address on the bottom of the page omits " XXXX XXXX XXXX ''. Furthermore, on their website, they also omit " XXXX XXXX XXXX '' in their mailing address on the Contact page. ( Only on top of the collection letter, where it's 1 of the first things to catch many consumers eyes, does XXXX include " XXXXXXXX XXXX XXXX '' in a mailing address. ) When I flipped the letter over, it says " Important Information : As of this time, no attorney with this firm has personally reviewed the particular circumstances of your account. This letter is not a threat to suit and should not be construed to be a threat to suit ''. Can you explain to me why this " important information '' would be on the BACK of the letter? Why would they hide the " important information '' on the back page of the letter, yet they found they should put put non-essential info ( " XXXXXXXX XXXX XXXX '' in the address ) on the front page? I fear that many consumers have fallen into thinking this debt collection is from an actual lawyer that is trying to sue. When in actuality, it's not. Can your office please look into this? I see it as a stumbling block for many consumers. Thanks,
Company Response:
State: CA
Zip: 908XX
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I applied for a Discover personal loan on or around XX/XX/2022, after repeatedly receiving communications from Discover encouraging me to do so. Based on my XXXX XXXX, income and other factors, I was offered a $ XXXX loan after submitting an online application. Considering a relatively high interest rate offered, I realized that I do not need the full amount, and called Discover to adjust it down to $ XXXX. Shortly after, I received a message stating that there are some outstanding steps to complete in the online application before the loan is finalized. After logging in to the online application as prompted, I saw 2 outstanding steps : 1 ) Income verification, stating that I should call the XXXX number to do that ; 2 ) Submitting 3 most recent statements from my most used checking account. Accordingly, I submitted the statements and called Discover for income verification. I was told that Discover does not need anything else from me, and that they are just reviewing my statements ( even though the online application suggested otherwise ). I called a couple of days later, and received the same response. A couple of days later, I received a message from Discover declining the loan, with the reason stated as insufficient ability to repay. Subsequently, I called Discover on XXXX to explain that it was simply impossible to use the provided statements for gauging my ability to repay because it is impossible to get a complete picture of my income from them. The representative was unhelpful, and although she agreed that the income verification process was deeply flawed, she stated that there is no review option available. Further, she cryptically stated that there were a couple more things, implying that the stated reason in the declination message was not reflective of the actual reasons, which presents a major regulatory concern, as the regulations do not allow incomplete or misleading stated reasons for declining credit. Substantively, it appears that Discover deviated from their own process of evaluating loan applications ( as outlined in the online application ), skipping income verification as a separate step and relying on the checking statements instead. This is a deeply flawed approach for a multitude of reasons : 1 ) It implies that the payroll is deposited to a single checking account, which is not the case ; 2 ) It does not accurately capture income that is deposited less frequently than quarterly ( e.g. : Annual bonuses ) ; 3 ) It does not capture investment income ( unless the proceeds are transferred from the brokerage to the checking account ) ; 4 ) It implicitly treats contributions to 401K, FSA and other accounts contributed to by payroll deductions as expenses when in fact they are income that has zero visibility in checking statements ; 5 ) It fails to account for any employer contributions to such accounts ; 6 ) It fails to account for any changes of income that are certain in the future ( e.g. : Additional bonuses announced by the company, announced pay raises, etc ). Discovers failure to recognize these factors and at a very least, request my comments, led to an incorrect assessment of my income, resulting in a baseless decision to decline my loan application. Discovers refusal to review their decision in light of numerous deficiencies outlined above ( as well as claiming some other hidden reasons for that ) is appalling and raises a spectrum of compliance concerns.
Company Response:
State: NV
Zip: 89141
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
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 a purchase with my Discover credit card for a downloadable computer game " XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX '' for {$24.00} on XX/XX/2022 from XXXX XXXX XXXX. I downloaded the game and found it incompatible with my computer. I contacted XXXX to cancel the order and receive a refund but it was refused. I disputed the transaction on XX/XX/2022 with Discover stating that the merchant " XXXX '' sold me and incompatible/incomplete product. Discover however reversed the dispute stating : Transaction has been found to be valid. A decision has been reached for this investigation and we have found that this transaction is valid. You can expect to receive information on this decision to be sent to you via mail or secure message at Discover.com. Please review this information when it arrives for important details summarizing this dispute inquiry. Please notify us as soon as possible if you wish to continue this dispute. Dear XXXX XXXX XXXX, Account number ending in XXXX XX/XX/2022 We've finished our additional review of your disputed transaction and found the charge to be valid based on the merchant 's documentation. Please know that we considered any information you submitted as well as information submitted by the merchant. Case Number : Merchant Name : Dispute Amount : XXXX XXXX XXXXXXXX XXXX {$24.00} Accordingly, the temporary credit previously applied to your account has been reversed. To give you better insight into our decision, we are including a copy of the documentation we received from XXXX XXXX XXXX If you still have concerns about the outcome of the investigation, we encourage you to work with the merchant directly. Please note, the disputed transaction has been reposted to your account and will appear on your next monthly billing statement. This amount will be included in the calculation of your next minimum payment due and the calculation of interest on that statement, if applicable. Your next payment due date will be reflected on that statement as well. Please refer to your current billing statement for your current payment due and payment due date. We are required to report your account to the Consumer Reporting Agencies as a disputed account until you advise us to remove the dispute status. If you have any questions, you can call our 100 % U.S.-based service team at XXXX ( XXXX ). Sincerely, Discover Card Customer Service
Company Response:
State: CA
Zip: 95014
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is the second time someone put XXXX different credit cards in my name. I contact most of the creditors and also put on a fraud alert and disputed each item, but only one or two was remove. This all started when I was a part of XXXX data credit breach years back and never stopped. Please help me get these fraudulent credit cards off all 3 of my credit reports.
Company Response:
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid off discover bank as it went into collections status. I advised that I would pay the settled amount and provided the deletion letter as requested. I had advised XXXX with Discover that I fell behind due to my wife having XXXX XXXX. She was unable to work and I had to focus on household bills, medical bills, medication and treatments as well as our children. I provided my reasoning with the letter, XXXX spoke with a manager and they agreed to remove this as a derogatory from all 3 credit agencies. I've sent the request to XXXX, XXXX and XXXX with no corrections being made. I've filed a complain with the XXXX and now the CFPB before taking legal action. This is hindering me from being able to move forward in my job and purchase a home. I need this deleted as stated it would be.
Company Response:
State: TX
Zip: 76148
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A