Date Received: 2022-09-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX XXXX XXXX ordered from our business, recieved her order and then filed a chargeback with Discover stating she did not recieve her order and it was for the wrong date. Upon receiving the chargeback, we provided Discover with screenshots of XXXX XXXX social media XXXX XXXX showing that XXXX had posted her order that she claimed to have not recieved. Additionally, we provided them with all correspondence of XXXX stating multiple times the order was for XX/XX/XXXX and then claiming she was out of town when in fact she recieved her order. While trying to commit fraud claiming the order was for another day, she accidently sent the correct order confirmation for XX/XX/XXXX. XXXX submitted the evidence and Discover sided XXXX and facilitated fraud. XXXX XXXX owns a XXXX XXXX XXXX website is XXXX you'll be able to see in the About section her photo and her name is listed as the owner. The business XXXX XXXX XXXX XXXX She emailed us on XX/XX/XXXX claiming she had problems placing an order online for XX/XX/XXXX. Our staff walked her through the online process of submitting an order on our website. XXXX XXXX placed her order herself on our website for XX/XX/XXXX. After delivery, she contacted us and claimed that she did not receive her order because she was out of town and that the order was delivered on the wrong date. We responded and resent her confirmation ( showing the delivery date of XX/XX/XXXX ) along with her multiple emails requesting an order for XX/XX/XXXX. She responded with an altered/fraudulent email changing the delivery date to the XXXX and altering the email format. Upon further investigation, we visited her Social Media XXXX XXXX and discovered she posted pictures of her order just an hour after it was delivered. I have attached photos showing her delivered order from us that she posted on her social media XXXX story that she claimed to have not received. During her influx of emails, she accidentally forwarded us the correct confirmation email showing a delivery date of XX/XX/XXXX but still claimed it was for the XX/XX/XXXX. We informed her order was for the XXXX and was delivered/received and that she does not have an order for XX/XX/XXXX. She continued to email demanding an order for XX/XX/XXXX. We instructed her to place an order for the XXXX if she needed another order. She continued to claim she did not receive her XX/XX/XXXX order and wants it for the XXXX. In response, we sent her the photos of her instagram stories showing the order she claimed to have not received, she stopped contacting us after being provided with this evidence. She was also informed that we will no longer be serving her or responding to her emails and if she would like to discuss this matter further she would need to call our store directly. This fraudulent claim is the first we've heard of her since. Her order was delivered on the correct date of XX/XX/XXXX and left on her doorstep, she received a text message notification along with a photo upon delivery as per our policy as stated on our website. We believe her claim is an intentional act of fraud and retaliation for refusing to service her after she was confronted and provided with proof receiving her order Company accepting payment XXXX. Our company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount {$56.00} + {$15.00} service fee from XXXX total {$71.00}
Company Response:
State: CA
Zip: 92630
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is the several times I've complained about being a victim of identity theft. 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. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/2017 Balance : {$10000.00}
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Improper uses of credit report accordance with the Federal Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states that I have the right to privacy 15 USC 1681 section 604 ( a ) 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 ended consumer credit plan as late for any purposes. Billing Error Pursuant to 12 CFR 1026.13 XXXX XXXX can not report late payments in accordance with this regulation of the Bureau 12 CFR 1026.13 ( d ) ( 3 ).
Company Response:
State: PA
Zip: 16602
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I closed my Discover Card a few months ago and it had a plus balance of over {$300.00}. They transferred it to my checking account, but that was reversed for some reason. It was sent back to Discover. I have called them twice and they said they'd send it again, but nothing happens. I did get the cash back into my checking account and another refund, but they intend to keep the plus balance ( from a refund ) for some reason.
Company Response:
State: MI
Zip: 48103
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My discover online saving account be scam and without my authorization to process XXXX transfer funds to other banks during XX/XX/2022 to XX/XX/2022. Someone stole my information and open accounts and access discover online saving to withdraw my money. I reported to discover bank on XX/XX/2022 immediatley when I found this fradulant transactions.. They closed my account xxx XXXX and issued a new account xxx XXXX to me. Discover has filed an investigation for my disuputes, however, they send me a letter on XX/XX/2022 said XX/XX/2022 to XXXX bank ACH transaction {$10000.00} ( total are XXXX XXXX transaction {$20000.00} ) are valid, and will debt this amount on XX/XX/2022 from my account. I call XXXX bank represententive : XXXX to report Identity Theft today. She told me she can't find my account. Following list are transactions for dispute. on XX/XX/2022, XXXX withdraw XXXX XXXX, amount {$55.00}, on XX/XX/2022, XXXX withdraw XXXX XXXX, amount {$4800.00} on XX/XX/2022, XXXX withdraw XXXX XXXX, amount {$0.00} on XX/XX/2022, XXXX withdraw XXXX Bank, amount {$10000.00} on XX/XX/2022, XXXX withdraw XXXX Bank, amount {$10000.00} on XX/XX/2022, XXXX payment to XXXX XXXX, amount {$600.00} on XX/XX/2022, XXXX payment to XXXX XXXX, amount {$600.00} on XX/XX/2022 XXXX payment to XXXX XXXX, amount {$600.00} XXXX filed a police report with sheriff : XXXX XXXX XXXX ( her email : XXXX & XXXX : XXXX ) with case number : XXXX on XX/XX/2022 since discover will reverse {$20000.00} ( on XX/XX/2022 ( XXXX XXXX Bank ). I need additional information to ask Discover to reopen this dispute. I call Discover bank today to get copies of the documents regardings their investigation. They say they don't have it.
Company Response:
State: CA
Zip: 91701
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
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'm XXXX XXXX, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now harming my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.
Company Response:
State: NC
Zip: 27701
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
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'm XXXX XXXX, and I need your help to get in touch with this company. I tried to contact them to find out why someone had created an account in my name. I regret that my credit report is now being affected by this very serious matter. I refuse to allow anybody to use my name, date of birth, or any other information since it also violates the privacy of personal data. They must find out who opened the account in my name and just give that person my information. Kindly help me with this matter.
Company Response:
State: WA
Zip: 98201
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have another case open. COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 I'm now facing another situation caused because of this pending case on the issue of a balance transfer being pulled twice from the XXXX credit card by Discover and being charged for 2 balance transfer fees. Now because they pulled this twice, my account with XXXX had a negative balance, which was fine however, when I originally did the balance transfer it said that the most I could transfer was {$8100.00} for a 18 month 0 % interest. But discover did the balance transfer twice and now they are charging me interest and due payments on the second balance transfer and the balance transfer fees. These are completely unacceptable practices. If I'm have a pending case regarding something that effects interest, balance transfers, and fees than my whole account should be put on hold. I had high hopes for Discover as a new credit card for me, my family, and our business but my hope is diminishing very quickly! Completely shocked at the actions of this company.
Company Response:
State: MD
Zip: 21122
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I, natural man consumer, hereby demand to OPT OUT of negative reporting of Late payments/ transactions and experiences ( utilization ) of my nonpublic personal information pursuant to 15 U.S. Code 6802 ( b ) I demand that you Discover stop reporting late payments to credit agencies ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX any other credit agencies. The only Credit Bureau is the CFPB. I have a open-credit plan and it can not me late. Remove any false or deceptive reporting immediately. You, Discover, are casing harm to me pursuant to 15 U.S. Code 6801 - Protection of nonpublic personal information.
Company Response:
State: AZ
Zip: 85212
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. Name of Account Account Number Provide Physical Verification XXXX XXXX Fraud Account Thx Delete account XXXX XXXX XXXX XXXX Fraud Account Delete Please Discover card XXXX Not My account please delete
Company Response:
State: AZ
Zip: 85016
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A