Date Received: 2022-09-01
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Discover closed my account without an explanation and has been unhelpful since I opened the account. From holding my checks to not letting me deposit money from my XXXX. Also customer service was not helpful at all every conversation with them amounted to this bad thing is happening to you and there's nothing I or you can do about it. I would at the very least like an explanation Routing number : XXXX Account number : XXXX
Company Response:
State: ME
Zip: 04240
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
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: XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Discover, XXXX XXXX XXXX XXXX XXXX XXXX Bank, have all used the arbitrary consumer reporting system to discriminate against me, violate my privacy and violate my consumer right to obtain credit. I recently reviewed my consumer report and disputed violations of my consumer rights to privacy without satisfactory results. My dispute about privacy violation was met with responses about accuracy of reporting information. They never denied violation of my rights instead choosing to disregard it. Under Title 15 U.S.C. 1681a ( i ) the consumer report does not include information as to transactions or experiences between the consumer and the person ( creditor or corporation ) making the report. 15 U.S.C. 6802 states that a financial institution may not directly or through any affiliate disclose non public information to a third party ( such as the consumer reporting agencies ) without my written consent. Hard inquiries and latenesses clearly constitutes non public experiences solely between myself and a financial institution/creditor and as such must remain privatebe safeguarded and protected. XXXX of my information requires that I ( the consumer ) be given the opportunity before that information is initially disclosed to direct that such information NOT be disclosed to a third party. Theyve denied me my right to privacy and to exercise my non disclosure option and in reporting what amounts to private ( non public ) experiences between me and a financial institution have caused me harm/damage in pursuit of credit. I invoke my consumer right and formally request with this written letter the removal of hard inquiries and derogatory negative private information currently disclosed on my consumer report file within the allotted 30 day period. Their failure to comply with my initial written request constitutes willful noncompliance and makes them liable for damages to XXXX XXXX. XXXX.
Company Response:
State: CT
Zip: 06611
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am submitting a dispute here because I was unable to file a dispute online with XXXX and XXXX, and XXXX. Review the attached document for supporting documentation. You will find Gross Negligence in the reporting pattern of DiscoverCard. There are several Gross violations being reported to each credit bureau. All violations are labeled for review.
Company Response:
State: NC
Zip: 28411
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
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 off in college. I just found out my mother got a credit card in my name. I seriously had no knowledge of this account. I never personally used the credit card. It really ruined my chances if as to ever getting one with Discover. Im stuck in a bad place, they keep telling me to make a police report on my mother. But how could I do something like that to my mother? I understand that shed done it to me but evidently Im her child. Although I still should not have to suffer from anything like that being done. It is fraud because she used my social but I dont want to get my mom in trouble but I really need to resolve this issue :
Company Response:
State: SC
Zip: 29611
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: This complaint is regarding the {$25000.00} Education loan application, which has been canceled due to Discover service issues. This is causing me serious financial trouble since I have been told to re-apply for another loan, resulting in higher interest rates. I had applied for 2 Education loans of {$25000.00} each ( A total of {$50000.00} ) with different co-signers for the same loan period. My college certified/approved both of these loans, and they would be disbursed half in XXXX XXXX and the remaining in XXXX XXXX. However, Discover cancelled one of the loans marking it as Duplicate. Of the two loans I applied for, the cancelled loan was a lower fixed rate loan with fixed interest rate of 4.590 % while keeping the higher fixed loan open at 7.240 %. This deliberate action has been taken outside my interests and is selective and biased, to serve the bank 's interest.
Company Response:
State: NJ
Zip: 07307
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
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 off in college. I just found out my mother got a credit card in my name. I seriously had no knowledge of this account. I never personally used the credit card. It really ruined my chances if as to ever getting one with Discover. Im stuck in a bad place, they keep telling me to make a police report on my mother. But how could I do something like that to my mother? I understand that shed done it to me but evidently Im her child. Although I still should not have to suffer from anything like that being done. It is fraud because she used my social but I dont want to get my mom in trouble but I really need to resolve this issue :
Company Response:
State: SC
Zip: 29611
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: I received a text from what I thought was XXXX informing of an attempted wire transfer on my account. I was then called by a person stating he was from XXXX. The number he called from was the XXXX customer service number. He said he was stopping the wire transfer and used the information he asked me for to get into my account and steal {$3200.00}. He bank listed on the transfer was Discover Bank and his name was listed as XXXX XXXX.!
Company Response:
State: TN
Zip: 374XX
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: No action was taken! I was lied to by Discover Card services and they also lied to CFPB XXXX XXXX and claim CFPB XXXX XXXX also for XXXX XXXX XXXX XXXX i submitted a claim to Discover Card Services For unauthorized subscription fraud account charges by XXXX XXXX Discover on XX/XX/2022 they reversed the charges back and I received credit then without my knowledge Discover reversed the fraud charges back to my card! And again Allowed XXXXXXXX XXXX to charge a new charge on my account on XX/XX/2022 There was no update on the dispute from XXXX XXXX Discover Card had claimed the matter of the disputed charges of the claim was being investigated but it is not! The charges are back on my card and they allowed XXXX XXXX to continue to Charge my account yet again!! On XX/XX/XXXX! I called Discover and the operators in billing and in Fraud Dept say they do not have this claim on file! And they ( Discover Card ) has allowed XXXXXXXX XXXX to charge my account again in XX/XX/2022 with out my authorization or my knowledge! This again is after I filed the dispute for fraud! Today XX/XX/XXXX I have requested to cancel and replace my card with a new card to prevent further unauthorized charges as Discover has done nothing to stop the fraud and disputes! Discover fraud Dept has unqualified operators answering the claims they make jokes and Manipulate the conversation they put in a Charade of distractions instead of being professional! I spoke with XXXX today at XXXX XXXX XXXX ; and in Ohio it was XXXX their time ; I asked to speak with his supervisor after a lot of back and forth nonsense his response was well its too early to get a supervisor non of the Discover Customer phone operators are professional they claim not to have my phone number on file they dont know about a claim that was just opened even after providing information to them they put on a charade its very frustrating to deal with Discover card customer service. I dont know what is happening with the dispute! I had to close my card account and have a new card issued to prevent further fraud! I am very frustrated at the lack of information I am given by the Discover Card phone services billing and fraud are awful! They give false information about the claim they claim not to have information and say charges are valid until investigation is complete but no update is given and I am being told by Discover that another charge was authorized in XXXX but I was never notified! I am very frustrated the lack of support and And information given by discovery card phone operator in all departments at Discover card services! I still do know anything!
Company Response:
State: CA
Zip: 92011
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX, a company I am a subscriber, represented with my current score of XXXX I could obtain a Discover Credit Card to consolidate my debt and obtain reduced payments with its issuanceXXXX XXXX XXXX never disclosed that Discover Card would be using a Hard Review of my account, nor did Discover Card contact me to achieve my permission to do so. It short, they ran my Report, turned my request down and it showed up on my Credit Page as an Disapproval with the subsequent action of the other Two Credit Agencies lowering their scores on my credit. This all occurred without any change in my Financial Status as I have NOT missed any payments in over 275 months according to my record. I saw that the FTC was fining XXXX XXXX {$3.00} Million Dollars. I am requesting a Remuneration of a portion of those funds for my Personal Credit Damages. I would also like to suggest that the Discover Credit Card be Fined for NOT notifying and obtaining permission to run the credit of potential card users. Thanking you for your continued help and over watch on Companies who continue to take advantage of the unsuspecting. Sincerely, XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 92626
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX I was checking my credit report and figured out incorrect information that I disputed with companies and it came back as certified but the addresses on my credit report are wrong that don't belong to me.Also I was a victim of data breach and my information was compromised and used and I told all of this to creditors and credit bureaus but they messed up on the investigation and gave a wrong information to credit bureaus so they kept all this wrong information on y credit report.I also did report and FTC report for further investigation and here 's the FTC report number XXXX XXXX also go ahead and attach it.
Company Response:
State: CA
Zip: 91364
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A