Date Received: 2022-10-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: discover Bank account number XXXX XXXX that is on my credit report it's inaccurate last day active for XXXX it shows XX/XX/2022, for XXXX it's XX/XX/2022, and for XXXX it's XXXX therefore this is totally inaccurate and does not need to be on my credit report please delete this immediately
Company Response:
State: CA
Zip: 92551
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I applied for my Discover It Secured credit card on XX/XX/XXXX, and was required to pay a security deposit and complete identity verification before the card could be opened. My security deposit was withdrawn from my bank account on XX/XX/XXXX, and Discover confirmed that my information was verified on XX/XX/XXXX. I received my card and it was activated on XX/XX/XXXX. On XX/XX/XXXX, I received an email notice that my account was closed because Discover was unable to verify my personal information. This was after I have spent the past month completing the verification process and having it confirmed. It was a prerequisite to opening the account, so if I wasn't verified the account wouldn't have been opened. There is no reason to now close my account immediately after successfully opening it, before I have even had a chance to use the card. I have contacted Discover and they did not resolve this issue or give me any additional information. I was only given a XXXX XXXX mailing address to write to them about the issue, which is not acceptable to me due to the slow nature of mail communication.
Company Response:
State: FL
Zip: 33407
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: This company claims I called in when I did not I asked for the phone call I do not get it they said I find the affidavit I dont believe it because my signature will not be on it they said they resolved all things within reason because of the evidence that they have there is none this is about to go to litigation unless they resolve it on their own accord or prove to me otherwise. I would like to see this affidavit as it does not have my signature I guarantee it that within itself is fraudulent and you went off of fraudulent documentation to consider a fraudulent account and dispute balance transfers. I would also like to listen to that phone call and hear myself state That I am submitting fraud claims against balance transfers because it was an inquiry of XXXX XXXX and that was it and if I have to subpoena the phone call to prove it to you I will. Then you state we called into the undisputed dispute no actually we called it in for XXXX weeks nobody will give us information until finally somebody competent enough would then tell us we could do undisputed disputes did it and then we followed up from there were none of your representations or anyone could do anything in their job category or description so once again where is your documentation I wan na hear the phone call because whatever youre describing is actually fraud within itself and for you actually having the negligence to allow somebody into my account is automatically available for a lawsuit so if I need to forward this to litigation I will because the what you were describing is not the events that happened whatsoever and I had no idea of what youre talking about so with that said there is no signed affidavit with my signature on it and there is no phone call with my voice on it and if you claim that there is then thats your negligence allowing somebody else into my account to do as they please. This is exactly why we explain to you that my son-in-law was going through identity theft and anything and everything that is related to him is having an issue is exactly why we removed him from as an authorized user know what that said you were saying somebody called in and pretended to be mad when we wrote documentation signed at both parties and said nobody called in and that you should fix this immediately you neglected to do so sent us XXXX different letters XXXX stating that you withdrew to dispute the other XXXX saying you dont know who we are you did that XXXX separate times on XXXX separate occasions on XXXX separate dates making it very confusing on what the XXXX you were trying to solve the puzzle you were trying to solve is incompetent because there is nothing that we did theres nothing that we called in about and youre stating that somebody called in and pretended to be me I want that phone call I want to affidavit that was apparently signed by me its not my signature my signature is on the piece of paper that I sent you stating to you that you need to send those funds back to those institutions that you got fraudulently closed because you decided to reverse something that I did not and if I need to take the state of Superior Court or any type of courthouse with my lawyer I will do so as you do not have any evidence no phone call with my voice or my signature on anything besides the statement me and my son-in-law wrote stating that we do not know what the XXXX you were doing and you need to reverse this because it is all done in error and you on your own accord decided to dispute XXXX transactions and get everyones credit shot out ruin their lives and have caused hardships beyond belief so congratulations to a Discover card you are now going to be involved in the best litigation process for my lawyer yet to come unless you resolve this immediately because your process does not sound like anything that is actually logical so when we subpoena those phone calls and we get that affidavit and we prove to you that thats not my signature with a in handwriting analysis expert and we prove to you that thats not my voice on the phone youll be very disappointed to hear that you did your job so improperly so negligently that you ruined our lives in the process and will always much more than what we are asking for you to do
Company Response:
State: NJ
Zip: 08816
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My father always submits a money order of $ XXXX to Discover credit card company via mail. With a GOOD credit score and no late payments, my father has not had any issues except on XX/XX/2022 at XXXX, Discover sent a message acknowledging of payment received. XX/XX/2022, my father 's card did not work, so he called and found out that Discover received the payment BUT, since the last 4 digits of the money order did not match with XXXX, ( which is a bank that XXXX check cashing services is contracted under ), deemed it unauthorized, Discover shredded and dismantled the check without giving any knowledge in writing to my father whatsoever. My father called numerous times, spoke with 4 customer service agents, 2 billing agents, 2 supervisors, 1 personnel had an answer to why the LAST 4 DIGITS of the money order was considered to be UNAUTHORIZED by XXXX, which resulted in shredding/dismantling the money order. This contradicts because on my father 's Discover account, the records show Discover receiving payment on XXXX XX/XX/2022 XXXX. Since the money order account with PLS check cashing place is in an " open '' status, Discover was supposed to send an email and mail explaining why they have shredded and dismantled the money order check. This is negligence on Discover 's end because they received payment, posted payment, but since last 4 digits of the money order was considered unautnorized they dismantled the money order? 2 supervisors also noted that my father has never been late on payments. None of the supervisors can figure out why the money order was shredded nor was there any proof in writing submitted to my father, so he may be able to take the proof, close the current money order " open '' status and create another money order to be sent out to Discover. At this time, nobody has a direct answer or resolution to fix this ongoing issue.
Company Response:
State: CA
Zip: 90006
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: On XX/XX/2022, I applied for a Discover card and was approved with a {$2000.00} limit. On XX/XX/2022, Discover sent me a strange email requesting a copy of my tax returns. I called Discover and asked why they need my tax returns for a credit card with only a {$2000.00} line of credit - I asked if this was a standard procedure with all applicants and the Discover agent said it was a standard procedure. I do not believe Discover requested my tax returns as part of a standard procedure they do with all applicants. I believe Discover asked for my tax returns for either discriminating reasons or to Obtain more personal information on me which they turn around and sell to data collections companies for more profit. I believe anyone reading this will agree with me that it is NOT a standard procedure for Discover to request an individual 's tax returns days AFTER they have been approved for a line of credit. I asked discover this question on XX/XX/2022 complaint # XXXX and their response did NOT answer my question instead they provided the following vague response.. Discover card conducts regular reviews to evaluate our customers accounts. As such, your account is currently involved in a regular review. Our records confirm that an email was sent to your email address of record on XX/XX/2022, advising of this process, and the email provided you with the next steps to complete the verification. Let me get as specific as I possibly can : Does Discover ALWAYS conduct a regular review on all individual applicants just days after they have been approved? Does Discover Demand an approved applicant to provide them with their tax returns on lines of credit under {$3000.00} every time or most of the time? Does Discover have information on me which provides them with my XXXX or XXXX of my skin? Discovers actions have harmed my credit by adding account closed by grantor by the inquiry they placed on my credit report and by takig away my line of credit
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
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: DiscoverBank Is reporting account number : XXXX as opened on two different days. The date open reporting to XXXX is XX/XX/2013 and the date opened reporting to XXXX XXXX XXXX This account is inaccurate in its reporting and is in violation of the FCRA. I contacted the company in an attempt to fix the issue but they continue to reply with statements and settlement offers. The statements are not enough to validate the account. They have failed to meet my demands to provide me proof of the original day the account was opened and have neglected my attempts to correct the problem.
Company Response:
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a discover balance on my credit report which was resulted from a judgment that they got against me and the judgment then garnished my paycheck and they have now been paid 100 % out of the garnishment from the judgment. As far as I understand it not only does this change the status on my credit report because they have been paid in full but also I have read that judgments are not supposed to be on your credit report once they get a judgment against you? I can show you a copy of the judgment that they have against me and I can show you my pay stubs to show you that they have been paid off 100 % .. it is discover credit card and the balance was around {$2500.00}
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
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 disputed a charge that was charged to my discover card back on XX/XX/XXXX from XXXX XXXX for three flight tickets. Each ticket was for {$350.00}. This company is out of XXXX and no longer in business. They filed bankrupt in XXXX. The person that contacted me from a company that I thought was affiliated with XXXX was told they did not have permission to charge my credit card. I told them this over the phone and by email. At first they told me that my credit card would not work and then four days later after I told them they did not have permission to charge my card because I knew then they were suspicious they sent me an email saying that my card had been charged and my flight tickets had been confirmed. I called XXXX XXXX who confirmed that these were not XXXX tickets and that I would not be getting on a XXXXXXXX XXXX They said that the company was not in business and they then did a fraudulent form on the tickets and company and told me the tickets were no good. They told me to call discover and dispute it with them so I did but at the time the charges were not on my card yet. That took about two or three days to show up and once they showed up I disputed them. I was told by the representative at discover that they had 30 days to respond back to the dispute and if they did not respond back that it would officially removed from my discover card. The charges were removed completely off my credit card and then four months later discover put them back on there ( XX/XX/XXXX ). I reached out to discover over 10 times talking to different people each time. They could only tell me that SOMEONE, not quiet sure had sent something in to them that I missed my flight so they added the charges back and told me that they couldn't be taking off since they received that. I spend two weeks talking with discover, XXXX, and multiple different airline and agencies across the world trying to figure this out and see who exactly disputed back four months later. Every place I called could give me no information and said they showed nothing under my name or email or phone number. Discover would not try and reach out to anyone to see what was going on. They said they couldn't and that I had to do that. I tried to tell them that the company no longer existed and the phone numbers were non working numbers. All the numbers I tried you could not talk to anyone or they said they were not allowed to give out any information. Discover was no help to me what so ever and did not try to help me. They said they didn't know who disputed it and had no name or number at one point. The numbers that had reached out to me about these flights back in XXXX had no working numbers. I had to go back to emails that they sent me to try and talk to them and they told me they showed nothing in my name. Every time I tried to call them back in XXXX concerning them charging my discover card the numbers did not work so I could only communicate through email and at that time they would call me from a non working number. I am asking that Discover take the charges off of my card.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: n accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX, ACCOUNT # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Company Response:
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 5 U.S.C 1681 section 602 A. States I have the right to privacy. 5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpo
Company Response:
State: NV
Zip: 89032
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A