Date Received: 2022-09-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: DISCOVER BANK - This account has been paid off and the company either has no record of my account or does not have the ability to take it off my credit report. I have contacted the company and would like some resolution. I do not want this on my credit report.
Company Response:
State: CA
Zip: 92311
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Company Response:
State: NC
Zip: 28273
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Money was not available when promised
Subissue:
Consumer Complaint: As part of a house purchase I needed to sell stocks in various broker accounts and aggregate them in a bank account. Our title company requires us to to a Federal Reserve Wire. Since this is a large amount and might be an usual transaction I called my bank Discover Bank on XX/XX/XXXX to confirm whether I can make 1 ) a Federal Reserve Wire, 2 ) that I will be moving a large amount of money ( about XXXX ) into the account and use for a downpayment and whether there are limitations that would apply. At the time my account had about {$39000.00} in it. I was told, that despite the account being a savings account, that I should not have any problems doing a wire for a downpayment on a house and that the only restrictions are the 6 transactions per month. Based on this information I sold stocks in XXXX XXXX and XXXX and made large transfers into the Dsicover account. The most significant ones being from XXXX : XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and from XXXX XXXX : XXXX on XX/XX/XXXX. On Friday XX/XX/XXXX I initiated a transfer to the Title company of $ XXXX. Later that day I received a message from Discover to verify the wire by calling them, which I did. They said the wire will go through a security review and should transfer on XX/XX/XXXX. On XX/XX/XXXX the wire did not happen and upon my request and after talking with multiple representatives and managers I was told that my account had been flagged, specifically the XXXX deposits as being irregular and potentially fraud. To protect me, their client, and themselves, the money will be on HOLD until XX/XX/XXXX. Eventually I was told I could access {$61000.00}, but that would not be sufficient for the downpayment on the house purchase I was doing. I explained that I specifically informed the bank of these transactions and was given a green light and that this puts me into a financially very difficult position and we will likely loose the house were trying to buy. Also, the money has already been in the account for 2 weeks and Ive moved money from and to XXXX from this account before. Furthermore I was also suggested to review holding periods in Discovers terms, but the longest period I could find was up to 10 business days. I offered Discover to provide them with statements or anything they want to verify that the money is mine, Ive also been with them since XXXX, so they know my account and they know the XXXX account I move money from and to. The people I worked with were polite and nice, but there was no viable option offered as a solution. We also talked about closing the account, cashiers checks and ACH transactions, but all of them would not allow the full amount to be released until XX/XX/XXXX.
Company Response:
State: CO
Zip: 80014
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Discover due to the response I received. Recent delenquency was reason for denial
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: My wife and I have a joint account for checking. It was used to pay our Discover credit card. My wife became a victim of fraud and all of our banking information at XXXX was compromised. XXXX changed the information but it was near the billing cycle and the payment for Discover was late. Ive never had a late payment in my life ( see credit report ). In fact, immediately following the notice, I paid additional principal and reached out to XXXX and Discover to dispute this but no corrective action was taken. This was bad timing beyond the control of my wife and I as I made attempts to correct this unfortunate event.
Company Response:
State: FL
Zip: 34769
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
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 have submitted multiple complaints to the creditors as well as to the cra 's ( XXXX, XXXX, XXXX ) in regards to the improper reporting and violations of 15USC1681 ( a ), 15USC1681 ( a ) sec ( 3 ), 1581USC 1681 ( a ) sec ( 4 ) and 15 USC 1681 ( b ) ( 1 )
Company Response:
State: IL
Zip: 60621
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Several fraudulent credit cards were opened in my name, while I was incarcerated. I believe that a family member and/or friend of the family opened said accounts and utilized their proximity to the multi-unit residence that was once my address also. I was incarcerated between XX/XX/XXXX and XX/XX/XXXX, Ive provided the below listed creditors with official documents from the local sheriff, letter of Incarceration detailing the time period I was in custody ; yet Discover financial refuse to remove these fraudulent accounts from my credit files. This has affected my ability to get a car loan, and other necessary credit and housing accommodations. Discover acknowledged that one of the charges on the fraudulent account opened in my name, reflected a charge to XXXX a money transfer service for incarcerated individuals, where money had been sent to me, and another unknown individual. This in itself evidences, the fact that I was incarcerated, and someone sent money to me ; ( likely one of the many family members who I requested money from while incarcerated ) However their ( creditors ) illogical rationale for stating the account is legitimately mine, is because some lowlife family member sent me money, from a fraudulent card they had obviously gotten in my name! I have requested that both creditors, Discover financial, review the 1 ) .written application for credit, 2 ) .the voice recording ( if the application was done via telephone ) and/or 3 ). the IP address from the electronic device/computer that completed the application ; which will prove that someone other than myself, who had ABSOLUTELY no authorization for me, opened these accounts fraudulently! The other fraudulently opened accounts, bank accounts, and utility accounts which were all opened fraudulently by someone else during the period of my incarceration ; have been removed after I provided those companies with the same documentations Ive sent to Discover!
Company Response:
State: IL
Zip: 60148
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
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 was an authorized user on my mother 's Discover credit card. She passed away in XXXX of 2022. The account is being reported on my credit report with late payments. I have written letters to the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account and the late payments be removed from my credit report. I have not received a response from the credit bureaus. This account was not mine. The account and late payments are hurting my credit score.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: In reference to previous CFPB complaint ID # : XXXX submitted XX/XX/2022 : Discover has violated my rights and failed to address these violations or lawfully remedy the issue to my satisfaction. On XX/XX/2022, Discover states in their response ( attached ) to this complaint that Your Cardmember Agreement authorizes that we may periodically review your credit and income records and that we may increase or decrease your credit line. A contract is an agreement between private parties creating mutual obligations enforceable by law. The basic elements required for the agreement to be a legally enforceable contract are : " mutual assent, expressed by a valid offer and acceptance ; adequate consideration ; capacity ; and legality. I did not knowingly agree to the terms of this alleged agreement as they were not clear and conspicuous ( lack of mutual assent ), adequate consideration was not provided, and I did not have the capacity to understand the alleged agreement. As a result, Discover did not truly possess actual, implied, or apparent authority for such use and I received no benefit in the reduction of my credit line. According to 15 USC 1602 ( p ), this is known as unauthorized use and is a violation of federal law by Discover. This is also a breach of fiduciary duty by Discover. Discover states in their reply that We are firmly committed to complying with the Equal Credit Opportunity Act as well as all other applicable State and Federal laws and regulations. As such, it is our practice to consistently treat all customers equitably. However, this is clearly not the case. Corporate policies and procedures do not supersede XXXX XXXX. The decision to lower my limit was based on the following information in a document dated XX/XX/2022 ( attached ) : reasons : Bureau reports unsecured loan balance Number of revolving accounts as reported by agency Bureau reports increase bankcard balances On the same day, a letter was mailed to you confirming this change. As explained in this letter, this decision was based in part on information we obtained from XXXX, XXXX, and XXXX. This action is a direct violation of 12 CFR 1002.4 ( a ), 12 CFR 1002.7 ( a ), and 12 CFR 1026.12 ( b ). Discover has directly admitted to discriminating against me on a prohibited basis, utilizing information from illicitly obtained consumer reports. This is also an egregious violation of the XXXX XXXX XXXX, 15 USC 6802 ( 1 ). As a nonaffiliated third party, Discover obtained consumer reports from several consumer reporting agency without express written consent, permission, or knowledge. My nonpublic personal information was disclosed by consumer reporting agencies ( XXXX, XXXX, and XXXX ) to a nonaffiliated third party ( Discover ) without clear and conspicuous disclosure. I was not given the opportunity to direct that my information not be disclosed in this. I was not given an explanation of how to exercise my nondisclosure option. In addition to discrimination on a prohibited basis, unauthorized use, and unlawful access to my consumer report, I still remain harmed financially and emotionally by Discover from previous violations of federal law noted in CFPB complaint ID # XXXX which include violations of 15 USC 1602 ( f ), 15 USC 1602 ( p ), 15 USC 1691 ( a ) ( 3 ). Multiple federal laws have been broken, my rights violated, and I have suffered financial damage, mental anguish, emotional distress. I was unable to provide for my family, make necessary household repairs/improvements, or invest in my business during the XXXX pandemic when I needed financial assistance the most.
Company Response:
State: CT
Zip: 06880
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
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 have been the victim of identity theft, and my personal financial information has been utilized without my permission or knowledge to obtain credit, goods, and/or services on the above-mentioned account. I am requesting communication from you freeing me from accountability for this debt and notifying credit bureaus and collection agencies. I appreciate your upcoming consideration of this matter.
Company Response:
State: CA
Zip: 91202
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A