Date Received: 2023-12-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: discover request tax documents due to routine identity verification. called into discover to get this issue immediately resolved as to i dont file taxes, was told to file a form at the local bank and have notarized, i was sent the form, and i saw where there was only ONE SPOT TO ENTER ONE ACCOUNT. and i explained i have TWO WITH THE SAME BANK. and was told to just combine and upload both statements. which i did. i was then told that the paper the bank filed out was improper to have it resubmitted, and i did this, now the second time, and i uploaded my statements again! now XXXX bank statements which clearly back my verification of income and identity, than i was told that the employee that told me this information about combining accounts was incorrect and that i was now out of time and my account was to set to be closed but i could go to the bank OR A UPS STORE NOW FOR THE third time and just upload XXXX set of bank statements for XXXX account. which i did. now my account is closed and getting no help
Company Response:
State: MD
Zip: 21740
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: 2023-12-11
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I'm writing to address a matter of significant concern regarding recent adverse actions taken upon my credit accounts, I believe that there might have been an misunderstanding and I kindly request your attention to this issue for proper investigation and resolution. On XX/XX/2023 I submitted an application to Discover which served as a valuable security purchased by the bank, as they are the borrowers as defined by Congress in 12 U.S. Code 1431. Despite this understanding, Discover has unjustly refused to grant me access to the credit line I requested, thereby impending on financial opportunities and violating regulations governing fair lending practices. Consumer credit transactions are initiated using credit cards in accordance with 15 U.S.Code 1602 ( l ) a credit card is any card, plate, coupon book, or other device used to obtain money, property, labor or services on credit. I am the holder in due course, as I presented the credit card to initiate the transaction. In pursuance to 15 U.S.Code 1602 ( n ) and its not possible for me to be denied for something I initiated. I am granting your corporation the right to extend credit as defined within 15 U.S.Code 1602 ( f ). I frequently in connection with loans as outlined in 15 U.S.Code 1602 ( g ) as the original creditor. I understand my rights and reporting to the consumer reporting agencies is voluntary as per the CFPB this is a private transaction. Nowhere does the term adverse action in the FCRA mention the denial of credit to a natural person and I expressly granted Discover permission to extend to me my right to credit because I am credit worthy and in good faith. The right to extend credit belongs to me and I'm the one who extends credit to borrowers pursuant to 15 U.S.Code 1602 ( g ). According to 12 U.S.Code 1431 the power and duties of banks is to borrow and pay interest. This is a consumer credit transaction and this is an unfavorable situation to me as a consumer. Furthermore, my credit was used and I received no benefit from the use of my credit. As inquiry appeared on my consumer report indicating a transaction where someone profited from my credit and I gained nothing. In fact fact this caused me mental and financial damage as defined by 15 U.S.Code 1602 ( p ) term unauthorized use as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from wwhich the cardholder receives no benefit. So I have been discriminated against as there are no federal laws allowing a credit score to extend credit. In good faith I exercise my rights and as a natural person I face discrimination and pursuant to 15 U.S.Code 1691 it shall be unlawful for any creditor to discriminate against any applicant with the respect to any aspect of a credit transaction. The Federal Reserve Act provides for the utilization of securities as collateral for various financial transactions. I believe Discover has utilized my security without my consent or proper compensation, thereby infringing upon my rights as a securities holder, thus commiting fraud pursuant to 18 U.S.Code 1348. The concept of equity of account ensures that all parties involved in a financial transaction are treated fairly and interest of securities holders, such as myself are protected. I believe that Discover has denied my rights to equity of account by not providing me with the appropriate benefits and compensation associated with the utilization of my collateral security. As a financial institution and national bank Discover has legal obligations to comply with the the Federal Reserve Act and other applicable laws & regulations. This includes ensuring that the rights of security holders are respected and that fair and transparent financial practices are followed. It is crucial to ensure that Discover upholds its fiduciary responsibilities, complies with fair lending regulations refrains from engaging in fraudulent activities and provides me with the credit access I am entitled to based on the security l provided.
Company Response:
State: TX
Zip: 75104
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Ex employee " XXXX XXXXXXXX XXXX '' fraudulently utilized my PII ( Personal Identifiable Information ) to inquire credit in my name.
Company Response:
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: XXXX XXXX XXXX issued a lawsuit on behalf of Discover Bank when I defaulted on a loan account. The promissory note signed between Discover and myself mandates an arbitration clause that reads If either you or we elect arbitration, neither you nor we shall have the right to litigate that claim in court. Discover is violating this binding promissory agreement by litigating when I have elected arbitration in this case. The attached promissory note also outlines that the arbitration provision survives termination of the loan and any legal proceedings by us to collect a debt owed by you. ( See subsection T of promissory note )
Company Response:
State: NJ
Zip: 08234
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with non-monetary relief
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: I sent numerous written correspondence and submitted payments. Discover has violated my right 's under the terms and conditions they granted me at the time of the account opening. The credit reporting agencies violated my right 's as well. According to 15 USC 6505 - 8 Not only was my right to opt out violated, but my right according to 15 USC 6802-5 with respect to obligation with respect to disclosures of personal information was violet also. I sent a letter to which I did not receive any type of response.
Company Response:
State: OH
Zip: 43204
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with non-monetary relief
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: I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( XXXX ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). ANOTHER METHOD PEOPLE DO IS JUST FILE AN FTC REPORT WITH ALL THE ACCOUNTS LISTED
Company Response:
State: NC
Zip: 283XX
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: Reporting company used your report improperly
Consumer Complaint: Per FCRA as a federally protected consumer, I am now Opting Out of Any and All authorization I the consumer may have given you written or non written, verbal or non verbal per 15 USC 6802. I would also like too add 15 USC 1681, all the 31 address on my credit report needs to be removed. The Discover Company is disclosing my utilization which is private information with that being said that is considered violation of my privacy which is 16 CFR 433.3. I'm not closing any accounts just want to update my credit report. It is a {$1000.00} fine for each violation. There seems to be many on my report.
Company Response:
State: LA
Zip: 70056
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: 2023-12-10
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Discover bank closed my account on XXXX XXXX. I opened the account on XX/XX/2023. I used my card and paid the total amount before the statement report. Each statement report was XXXX. I didnt receive a letter about fraudulent Transactions and they closed my account without any reasons and that affects my credit score.
Company Response:
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Discover credit card, Says I can only do write in letters? My behavior, how's Discover behavior been last 3 years. Blaming, accusing, won't take calls, blocked my number on XXXX XXXX, it's now XXXX and they still saying no calls. Told Me make a XXXX minimum payment, and charging off My account of end of XX/XX/2023! Back and forth, no results, and transferred around and around. Told my case was reopened on XX/XX/2023, no information from Discover at all. I won't send in a letter anymore, they don't tell they received anything or emails
Company Response:
State: SD
Zip: 575XX
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: While being in my bank account information i saw a different address where i do not live nor is it my mailing address I left it alone. A few days ago i get my credit score and i see that it went down a good amount i pay in time and have not had any problems what so ever until i see that i have 3 hard inquiries and thats why it went down. I would like this inquiries away because I didnt start any applications and havent opened one. This will not allow to get a mortgage and im looking into this but with the inquiries still there it wont be much of a help. I have already reported to identify theft. Thank you
Company Response:
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A