Date Received: 2022-09-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The account is closed and XXXX XXXX and XXXX has already collected their money from me. This account is CLOSED and PAID. PLEASE DELETED AND REMOVE FROM MY CREDIT REPORT
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
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: On XX/XX/XXXX I received an email alert from XXXX regarding a change to my credit. I think discovered that Discover Bank reported to the credit bureau that my account was 30 days past due. I have been enrolled in a payment plan with Discover on XX/XX/XXXX since being laid off from my job in XX/XX/XXXX and depleting my savings. I scheduled out payments to catch up my balance while hoping that I would eventually gain employment and be able to make said payments. While enrolling in said payment plan, I was not informed that payment must be made regardless of being in a payment plan, by XX/XX/XXXX or it would be reported to the credit bureaus as 30 days past due. Mind you, I have had two payments scheduled one for XX/XX/XXXX and another for XX/XX/XXXX. I called Discover the same day, explained the situation and the woman on the phone 's name was XXXX, she mentioned that I should have been disclosed this information and that it is an error, from here she worked with me to submit a complaint within their company. This alert on my credit report has caused my credit score to drop XXXX points and has caused severe stress to me. I took the necessary steps to file a dispute with XXXX, called today XX/XX/XXXX after receiving an alert that the dispute was closed and that the " 30 days Past Due '' was not removed from my report. I spoke with someone named XXXX at XXXX around XXXX this afternoon, gave my personal information and was told that XXXX has in their system that it would be removed from my credit report by XX/XX/XXXX. After work this afternoon, I then called XXXX again and asked the same question to the person on the phone this time ( XXXX ) from there he told me that information was incorrect and that the dispute was marked as complete and it would not be removed from my credit report. He told me the individual I spoke with, possibly did not work at XXXX. He then told me to call Discover and try to receive written documentation of their error and the communication they mentioned to me over the phone. Shortly after that conversation, I called Discover and was on the phone for nearly 2 hours with at least 4 different people. I spoke to someone named XXXX, XXXX, XXXX and XXXX ( XXXX was the XXXX department ). On the phone XXXX mentioned that the " 30 days Pas Due '' would not be removed until the balance was paid in full, she mentioned Discover can not correct or remove the " 30 Days Past Due '' from my report. I asked if she could provide me written documentation of this statement and situation, she then backtracked and changed her response, also mentioned that she couldn't provide written documentation, that she " didn't have letters ''. I then worked with XXXX to file another complaint within Discover. I have been treated poorly throughout this entire experience. Information has not been disclosed to me at all, mistakes have been made on Discover 's part and no one is taking blame nor working to fix the situation. I have never had a late payment with Discover and I've had this account since XXXX. On XX/XX/XXXX I was sent paper statements from Discover that I'd never received before neither by mail nor by email. I received no written communication that a payment was missed and needed to be made by XX/XX/XXXX. It has now come to my attention that I may not have been told information regarding hardship programs/payment assistance. I have found areas and websites online that suggest Discover has a hardship/payment assistance program for individuals facing financial hardship. Despite calling multiple times to explain my situation and worries about not being able to pay a bill, they did not give me the proper information or even enroll me in a program where I could receive assistance. I had no way, no funds to make a payment for XXXX so it should not matter if I called to change a payment date. My account would have been overdrawn and I would have been in an even worse situation. A payment date was changed to a date where I was able to make a payment ( when I received my first paycheck from starting a new job ). Not once when I rescheduled a payment, was I told a payment needed to be made or they would report it. No information was given to me whatsoever. This has been a horrible experience, no one has been sympathetic or has tried to help me with this situation. I would also like to add that I have never missed a payment with Discover before this and I would like some leniency to be made. I would like this investigated. I would also like to mention that it says before typing a statement not to include personal, identifiable information as it would be public and in the investigation response from the company they have disclosed my personal, identifiable information and that is extremely wrong and violates my privacy.
Company Response:
State: OH
Zip: 44139
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I paid my balance on my DISCOVER credit card in FULL on XX/XX/2022 which was {$530.00}. I called DISCOVER to make sure that they received the payment and I was told that the amount should take about 2-3 business days to post and then I would be able to use my card. I called DISCOVER back on XXXX XXXX to check on my available account balance because my card declined after the payment had been processed from my checking account in my regular bank, XXXX XXXX XXXXXXXX XXXX The agent told me that there was a verification that needed to be done and she did it over the phone and said that I was all set and could use my card now because there was a hold because of the verification and now the hold has been lifted and I'm all clear. However, when I tried using my card on XXXX XXXX, it was declined again. Ever since then I have called DISCOVER 2-3 times and either the call does not go through or the agent or manager tells me to wait for the hold to be lifted. This has never happened before to me, on the same day I paid off my XXXX XXXX card in full, they gave me the available balance within the course of 2-3 business days and I was able to use my card.
Company Response:
State: NY
Zip: 11554
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: LATE PAYMENTS In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under : - 15 USC 1681 section 602 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 1666 B : " ... creditor may not treat a payment on a credit card account under an open and consumer credit plan as late... ''
Company Response:
State: TX
Zip: 77047
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: LATE PAYMENTS In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under : - 15 USC 1681 section 602 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 1666 B : " ... creditor may not treat a payment on a credit card account under an open and consumer credit plan as late... ''
Company Response:
State: TX
Zip: 77047
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
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 spoke to Discover to advise them that I had not opened the account. I also let them know that my husband had not opened the account either. I told them that they had removed the account from his file. But on my file they closed the account, and now they are reporting it 60 days late. Even though they were informed that i did't open the account. The got angry and closed my sons college account with them because I filed the complaint. Now I'm requesting that they remove the account from the the credit reporting agencies. Due to I didn't open the account.
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
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 spoke to Discover to advise them that I had not opened the account. I also let them know that my husband had not opened the account either. I told them that they had removed the account from his file. But on my file they closed the account, and now they are reporting it 60 days late. Even though they were informed that i did't open the account. The got angry and closed my sons college account with them because I filed the complaint. Now I'm requesting that they remove the account from the the credit reporting agencies. Due to I didn't open the account.
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I submitted payment. The company acted like I didn't send payment. I followed up and they closed my account. 16 CFR 433.2 ( b ) - The right as a debtor to invoke any claim and defense against any seller creditor of goods and services in connection with a purchase money loan. Assuming that DISCOVER is required to abide by GAAP ( general accepted accounting procedure or practice ) : 12 USC 1831- GAAP accounting ledger has to account for negotiable instrument ( A signed Application, Trade Acceptance, Orders are negotiable instruments ). 12 USC 1813 ( I ) ( 1 ) borrower is to receive credit for their negotiable instrument. DISCOVER is in possession of documents that are self liquidating paper according to 17 CFR 260.11b-6. The contract between the parties is a consumer credit contract and as described in 16 CFR 433.1 ( i ) an instrument, and under UCC 3-104 ( a ) an instrument is a negotiable instrument and a unconditional promise to pay, no different than a dollar. In order for DISCOVER to deny the instrument, the instruments needs to be returned with a notarized letter of dishonor and opportunity to cure. UCC 3-104 UCC 3-111 UCC 3-306 UCC 3-603 UCC 3-602 The consumer was directed to fill out and then sign a consumer credit contract which is an INSTRUMENT pursuant to 16 C.F.R. 433.1 ( i ) and 433.3 ( XXXX ). Account Number XXXX is evidencing the receipt of the EQUIVALENT of money when issued in exchange for INSTRUMENTS ie the Promissory Notes signed by the consumer at the inception of the account and to the current date pursuant to 12 U.S. Code 1813 ( 1 ) ( 1 ). The INSTRUMENT is a medium of exchange and money per 1 U.C.C. 201 ( 24 ) and is then used as collateral at the Fed window to apply for an equal amount of federal reserve notes 12 U.S. Code 412 which states the collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances or any obligations which are direct obligations of the United States and per 18 U.S. Code 8 " obligation or other security of the United States '' An IRS Form 56 was issued to the DISCOVER XXXX, XXXX XXXX and received by DISCOVER. This compels agents representing the CFO XXXX XXXX on DISCOVER 's behalf to act in the best interest of XXXX XXXX XXXX. By issuing a Delinquent Notice to my account, the XXXX for DISCOVER is in violation of a fiduciary duty. As this Fiduciary appointment was never accepted or rejected within 10 days, it is assumed valid as a non response is agreement under the law. Please note that this notice has been filed with DISCOVER local IRS location. As DISCOVER XXXX, XXXX XXXX has been appointed fiduciary and DISCOVER has opened, retained and accepted documents entitled and conspicuously marked SPECIAL TRUST DEPOSIT, those deposits are binding. Credit my account, which is entirely possible for the full amount on the instrument. Increase my credit limit to {$20000.00}.
Company Response:
State: AZ
Zip: 863XX
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I contacted discover and citi bank in XXXX of XXXX to inform them of accounts that were opened in my name. Since then I have tried working with discover ( XXXX validated my fraud claim ) and have gotten no where. I have sent them evidence showing where other people were using my address, where I was not receiving mail sent to me, where someone tried filing for unemployment in my name through state of California, at least 2 other people received mail from California employment department for unemployment, a list of minimum 15 other people using my address for theirs now I've lived at my address for 20 years and no one but my spouse myself and XXXX XXXX receive mail I signed up for usps service to see what mail I should be receiving what day and multiple times I've not received all mail addressed to my home. I've sent documents showing where someone signed up at id.me and also tried to receive a small business grant. Discover still says I'm responsible for the account but when I ask for any information regarding the account I get shut down and told they can not g8ve me information because I said account was not mine.
Company Response:
State: MO
Zip: 65301
Submitted Via: Web
Date Sent: 2022-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I graduated XX/XX/XXXX and was told I'd get my security deposit of {$500.00} back within 2-3 business days. I did not receive it so I contacted customer service and was told I had to wait a full 30 days to give postal the " proper time '' to deliver my check. They confirmed my shipping address. I waited a full 30 days ( and then some ), and I contacted customer service again on XXXX through the chat feature and was told they would resend. I also called on XX/XX/XXXX. They told me they would re-send the deposit and that I should receive it soon. Yet again, I did not receive it and I contacted customer service again on XX/XX/XXXX ( another full 30 days and more ) and was told AGAIN that I had to wait another full 30 days for my deposit before requesting for another check. I am extremely frustrated as my security deposit of {$500.00} has not come back after I was very timely on all of my payments. I should not have to wait 2 months to receive a security deposit and when asked for them to investigate, they said I had to wait another 30 days...
Company Response:
State: NY
Zip: 106XX
Submitted Via: Web
Date Sent: 2022-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A