Date Received: 2022-09-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: DISCOVER BANK Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. I am a victim of identity theft and have sent documents proving that to this company since learning about this account. Most recently I have also advised all three bureaus to freeze my reports. the debt they are seeking to collect from me does not belong to me I would like it verified and the method of verification and all actions taken on my report sent to me. They have called me requesting that I send them a copy of my SS card. Remove this from my credit immediately.
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Denied credit
Company Response:
State: NM
Zip: 87110
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Trouble using your card
Subissue: Account sold or transferred to another company
Consumer Complaint: On XX/XX/XXXX, at about XXXX, I searched online, hoping to find a cheaper auto insurance and found " XXXX XXXX XXXX Quotes '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After putting in all my information, including social security number and car vin number, it led me to " XXXX * Insurance ''. I was charged {$470.00} for a " policy '' on XXXX, XX/XX/2022. At XXXX I received an email letter " Your new XXXX policy '' from " XXXX ''. I tried to open the link to see the details of the " policy '' but failed. It says " We're Sorry Our site is currently experiencing technical difficulties. We apologize for the inconvenience. For assistance, please contact Customer Service at XXXX. Note : Due to maintenance, our site may be unavailable from XXXX XXXX to XXXX XXXX XXXX Monday through Saturday and XXXXXXXX XXXX. to XXXX XXXX XXXX Sunday. '' I called ( XXXX ) XXXX four times but all the customer service representatives could not find any information related to me. Then I noticed in the transaction text message sent by Discover bank that the merchant 's name was " XXXX * Insurance ''. But the real XXXX has no " * " between " XXXX '' and " XXXX ''. I sent an email letter to " XXXX '' but received a reply : " Unfortunately, the email you replied to is an automated notification, which is unable to receive replies. " I also could not find the phone number in my Discover app 's Transaction Details. I called Discover bank 6 times, but the fraud department told me that it was not a fraud because I willingly put in my information and authorized the transaction. The billing department told me that the money was in pending and the only thing they can do is to wait for ten days after it is posted and then they might raise a dispute, start an investigation, wait for the merchant to provide paperwork to validate/invalidate the transaction. I told a manager of the billing department : It was not a real merchant. They intentionally created a fake website disguised as XXXX XXXX. They did not sell anything to me, except an email letter with an un-openable link, let alone any auto insurance. I did put my information in their website but it was obviously a scam. As my bank they should stop the loss on my behalf when I reported the scam as soon as possible when I found I was scammed and repeatedly petitioned Discover bank to stop the transaction. She told me they can do nothing about it for now. I need to wait for 10 days to raise a dispute. I was cheated by a scammer who intentional created a fake website under the disguise of a real company. The scammer leaves the contact information of the real company. I do not think the cheater would react and provide paperwork to Discover bank. Therefore, I have to report this scam to related authorities in order to save more victims.
Company Response:
State: MS
Zip: 39503
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: *Repeated Reporting of late Payments* ( Closed inactive accounts ) XXXX XXXX account closed Discover Bank account Closed in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions. 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: VA
Zip: 22601
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My Discover credit card was charged for a Texas rent payment in late XXXX of XXXX - a transaction of {$920.00} dated XX/XX/XXXX to XXXX XXXXXXXX XXXX. I disputed this transaction immediately stating that it was not mine and they refunded the charge while they investigated. I also froze my account and had a new card issued. Discover then determined that the charge was valid and put it back in place so I paid it even though I live in Missouri. Then early this year they informed me that someone in Texas had made this transaction so I called Discover and they said it would be handled by their Fraud department and I would receive my money back. This has never happened. I contacted them again in XXXX of this year and they realized that I had changed account numbers to prevent fraudulent charges and they again told me that I would receive my money back. It is now XXXX and this has still not happened. I am requesting your help since Discover has not been able to handle this simple request.
Company Response:
State: MO
Zip: 64081
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I want to request removal of this report on my credit : XX/XX/2022 I canceled the credit card with this company and they canceled the automatic debit that was enabled in my checking account, the payment did not occur due to this company error and I was harmed. I contacted the company, made the payment manually, opened a claim and they did not help me.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Discover Bank closed my savings account. Account number ending in XXXX on XX/XX/2022. After, I called Discover Bank to verify my identity. The Discover Bank banking specialist told me that my Discover bank savings account balance would be mailed by XX/XX/2022. On XX/XX/2022, I wrote a letter to Discover Bank & dispatched by Certificated Mail to mail a check for the balance. On XX/XX/2022, I mailed a letter by Certified Mail to XXXX XXXX, Vice President, Discover Bank Customer Service, asking that my check be mailed. On XX/XX/2022, I mailed a Priority Mail Letter to XXXX XXXX, President & Chief Executive Officer, asking that the balance in my Discover Bank Savings Account be sent to me. I still have not received the check for the balance in my Discover Bank Savings Account for {$3600.00}. I must have these funds by XXXX to pay my Property Taxes.
Company Response:
State: NE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with the fair act credit reporting act XXXX account # XXXX, has violated my rights. 15 use 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish a account without my written instruction. 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: 32746
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: The company used deceptive practices to get me to enroll in a program that deactivated my card and closed my account. They sold a repayment program but did not mention that my card would be deactivated and my account would be closed and it would adversely impact my credit history. I do not recommend using the company for credit services because they use fraudulent methods and predatory interest rates.
Company Response:
State: MI
Zip: 48439
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was removed as an Authorized user for a Discover account in XXXX, XXXX. However XXXX and XXXX credit bureaus are still reporting this account as active. I am requesting Discover provide me the XX/XX/XXXX AUD they submitted to XXXX, XXXX, XXXX and XXXX The AUD is the automated digital version of the form, which was originally called the Universal Dataform ( UDF ). Once the AUD has been prepared, the furnishing party sends it using XXXX to all of the credit bureaus where the error is appearing on your credit report Two Credit bureaus claim Discover never submitted an AUD updating the information concerning this discover account
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A