Date Received: 2022-08-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. If you claim this account is100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. XXXX XXXX XXXX XXXX, XXXX, MO, XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, DISCOVERBANK XXXX Date Opened : XX/XX/2006 Balance : {$0.00}
Company Response:
State: AZ
Zip: 85032
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2022, I was upgraded from a secured Discover Credit Card to an Unsecured card. I had initially put in a deposit of {$200.00} dollars was scheduled to be mailed the deposit via check within a month. It hadn't arrived the first time it was " allegedly '' sent out, or the XXXX. By that time I had asked for it to be sent electronically and Discover assured me they would in about 10 days time. A month has gone by since then I still haven't received anything.
Company Response:
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have not received a statement for this account in over six months and they have not attempted to call me to advise the account as past due. I have advised them i was not getting any statement via mail or email. I have checked with my postal service as well as check all folders in my email to make sure that i was not switch to email statements. This account has now been reported and threaten for attorney.
Company Response:
State: OH
Zip: 44646
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Discover is currently reporting In accurate information. Account was resolved before closure
Company Response:
State: VA
Zip: 23321
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
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 has violated my rights 15 usc 1681 section 602 state i have the right to privacy 15usc1681 section A section 2 ; it also state a consumer reporting can not furnish a account without my written instructions 15uscc1666B 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: NY
Zip: 11550
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Discover Credit Card Letter of Dispute - Elderly Complaint/Credit Report Fix This is my 4th attempt and 3rd written complaint to try and resolve a fraud involving my old business credit card. This > {$3000.00} fraud has had significant impact on my credit scores and mental health. As a XXXX client, I am being taken advantage of by Discover. This is proven by their continuous lack of response and action since my initial grievance on XX/XX/XXXX. In short, nothing has been done. The fraud charges are still present which has negatively impacted my credit scores. This whole back and forth dates to XX/XX/XXXX. Initially, I decided that I would not involve the CFPB. In each letter to Discover, I wrote that I was sending a copy to said regulatory agency, but I wanted to give Discover the chance to do the right thing for their XXXX clients. However, I feel the need to engage the CFPB and others due to lack of action by Discover regarding my complaint and request. This issue dates back to XX/XX/XXXX when I notified Discover of their errors. Which they acknowledged at the time. However, each time I have tried to get an update, they have become more aggressive and angrier with me. I am the victim. I am just hopeful that this 4th attempt will get Discover to do the right thing. I know that it is not my letters that will get them to act now. They will only act when their regulators are notified. It is hard to imagine that I am the only victim of Discovers negligence. In late XX/XX/XXXX, I received notification from Discover that they closed my personal credit card. On XX/XX/XXXX, at XXXX XXXX, I called Discover to try and figure out why you were cancelling my personal credit card. You informed me that it was because I had a delinquent balance on an old business credit card that I havent used in years because of retirement. During our phone call, it was determined by your team that someone changed my account info on my business credit card and made fraudulent charges ( mostly involving paying different cable/cell companies over the phone ). Since all the key account info on the business credit card was fraudulently changed to someone in Florida, I did not know of any charges. This then caused the business credit card to be delinquent. I have never lived in Florida. I have lived at my current address since XX/XX/XXXX. Prior to that, I lived in XXXX, OH for a few years. I have provided a copy of my bank statement from XXXX of XXXX to show proof of address. You, as in Discover, said you would credit those fraud charges back to my business credit card and close it. You would then be sending me a document to attest. A document that I never received because you sent it to the fraudsters address. In a follow-up call from me to you on XX/XX/XXXX, you notified me that the document was returned to Discover. I did not hear anything else from you until my recent complaint letter ( XX/XX/XXXX ). I had no idea that the document to attest was sent to the fraudulent/wrong address and returned back to you. I never received any documents in the mail ( to my actual address ) informing me of what occurred and how you resolved. Therefore, I never heard from Discover following my initial call on XX/XX/XXXX. I continue to experience negative impacts to my credit score, so I decided to write a complaint to your credit area in Utah ( XXXX XXXX XXXX, XXXX XXXX XXXX, UT ). The letter was sent on XX/XX/XXXX. I received Discovers Credit Teams response via two letters, dated XX/XX/XXXX, saying everything was accurate and you were not going to fix anything. This was the first time I received something related to my business credit card from Discover to my actual address. You also sent me 6 months of statements. This is the first time I have seen any statement for my business account since I stopped using it years ago. Since the fraudster changed the contact info on the account, I never received anything. After receiving your complaint denial, I called again on XX/XX/XXXX and was passed from department to department. It felt like they wanted me to give up, hang up, and just pay. After an hour, I was finally connected to Discovers Fraud & Dispute area in XXXX XXXX, OH. This team said they would take over my case and make sure everything was fixed. Discover requested that I send this letter along with a signed Discover Dispute form and any material that would assist in their investigation via fax to their Fraud Department ( XXXX ). I sent this letter along with a separate Discover dispute letter they made me complete. These packages were faxed to their Fraud Department with multiple pieces of items they needed for their investigation ( copies of old bank statements showing where I lived during the time of fraud, copies of checksjust to name a few ). These items were sent via fax on XX/XX/XXXX. ( I have all of the evidence if needed. ) After supplying all of this info, I never heard from them so I called again on XX/XX/XXXX to check on the status. Their fraud team, in XXXX XXXX, OH, informed me that they received my items but their policies and procedures required them to send the complaint to the credit reporting team because my letter had credit scores mentioned in it. I am really shocked that this is still an issue. The fraud team should have taken care of it like they promised. The letter below will provide better insight into what transpired. The business account still reflects the fraud charges. Due to the fraud charges and late fees, the balance is close to {$4000.00}. I want to fraud charges removed, Account closed, I would like you to resolve your fraudulent reporting to the credit bureaus, and An apology Below is an excerpt of my complaint that I sent in XXXX of XXXX which provides more details : I am writing to complain about a recent poor client experience which had negative impacts to my credit score because of your negligence and lack of sufficient security controls/technology/policies/procedures to protect senior clients from fraud. I know your Firms regulatory agencies ( OCC, CFPB, FTC ) have been focused on how Firms, like Discover, protect senior citizens from being taken advantage of. I will be sharing this letter with these regulatory agencies because I am not satisfied with how this recent issue that I escalated to you was addressed. A few interesting red flags/ items stand out : How can someone update my name, address, phone, and email without me/you knowing? Especially when that info differs from another account with you ( personal credit card ). I would assume that any account changes would trigger mailings/notifications to the new and prior addresses to ensure fraud has not taken place. I received no such notifications. Even though I could not have known of these charges and delinquencies, somehow your retail line of business in charge of personal credit cards knew. Not only did they not identify the fraud involving the business credit card, but they decided to take it a step further and outright cancel my personal credit card. My personal credit card had my correct info ( name/address/phone/email ) while my business one had completely different key account info ( fraudster ). One account, personal credit card, was current on payments and aligned with original account owner info. The other account, business credit card, was delinquent on payments for abnormal purchases and did not have any of the information of original account owner. Wouldnt that be a red flag? A dormant account suddenly has all their info updated, followed by random/out of the norm spendingand none of the business credit card information matches the information on the personal credit card. In short, numerous red flags were missed on your side which is causing personal/financial issues and emotional stress. All of which could have been avoided if your systems/policies/procedures were designed in a manner to put the client first. Specifically, senior/retired clients. Since this event impacted my credit score, other credit card providers are either cancelling my credit cards or decreasing my credit limit. It is embarrassing, frustrating, and scary. I have a strict budget in retirement and losing the ability to use a credit card is worrisome. Recently, my own bank, XXXX, whom I have banked with for years, decreased my credit limit for a credit card from around {$5000.00} to just a XXXX XXXX dollars. I have been a long-standing client of theirs ( just like yours ) and have never missed a payment ; however, XXXX still decided to decrease my credit limit. ( **Update since complaint : XXXX realized their mistake and restored my credit limits to their original limits. ) This event demonstrated that Firms, like Discover, have no loyalty or security controls/technology/policies/procedures in place to protect senior clients from being a victim of fraud. You do have great internal systems in place to identify and mitigate potential risks to your business though client creditworthiness. I would say that is some type of conflict. I find it troubling that your systems protected you first before protecting me. Discover & XXXX receive a credit score -> that score triggers an automated review of the client -> systems decrease/close lines of credit -> mail out notices. All automated. Those internal systems seem to be working very well compared to your security controls/technology/policies/procedures designed to protect senior clients from fraud and hardship. So far, it has been one of the worst and most impactful client experiences I have ever dealt with and at my age, that is saying something.
Company Response:
State: OH
Zip: 44012
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: This complaint is in reference and in accordance with the Fair Credit Reporting Act ; this is in reference to XXXX XXXX XXXX account # XXXX and Discover account # XXXX 15 USC 1681section 602A states that individual consumer, I, have the right to privacy 15 USC 1681section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions
Company Response:
State: MA
Zip: 02186
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have 3 student loans with Discover bank. This complaint is about Discover Financial and how they omitted important information, harassed my mother and I for two months, are falsely holding 3 loan balances on my credit report, and still have not fixed the issue. On XX/XX/XXXX I consolidated my private loans with XXXX bank. On XX/XX/XXXX XXXX sent 3 checks to the XXXX XXXX XXXXXXXX in Illinois, the address Discover requests payments be sent to. I was told 10 business days until the checks would post. I called Discover a few days before my payment was due letting them know the checks were on the way, they " noted '' it on my account. I kept calling to see if the checks were there up until my due date ( XX/XX/XXXX ) every few days, no checks yet. One day after my payment was due, they began calling me multiple times a day asking for payment. I would tell each representative about the checks. They began sending me delinquent letters in the mail, emails, emails to my MOM, and calling my MOM. Saying we owe payment. Leaving voicemails. When I would call in trying to see why they do not have the checks they began saying oh maybe wait up to 14 days then call your new lender XXXX and ask for new checks to be sent. I asked if electronic copies could be sent they said no. Every day I went in rounds between Discover calling insisting I owe them a payment and there is no checks in their possession, and that it's my problem to fix with XXXX. XXXX every time I would call, would tell me that Discover is doing this to everyone that they have sent checks for, and that it's taking over a month for payments to process. XXXX advised against sending new checks. This continues on for the next month, except now the calls emails and mail becomes more frequent and says I am two months behind in payments, talking about reporting to creditors my delinquency. In the meantime I am already paying on my NEW consolidation loan. They say they can not call it a missing payment because they didn't cash the checks, and say there is NO REASON the checks could be delayed. I begin asking about a way to put this loan into forbearance and they say I have used my time available already. ( I am a fresh graduate. ) They acted like they didn't believe I had checks coming. Like I was a liar and unable to pay. A few days short of being " 60 days delinquent '' I hear Discover had launched an " internal investigation '' on student loan practices. I call in again demanding a supervisor for the 500th time. I tell them I need to speak to someone about this investigation. I also tell them due to this investigation I fear their processing times will be even longer and told them there is no way I am paying this almost XXXX dollar bill to them. They then put my loan into forbearance. A few days later someone from the lost payments department calls me and says there was a SECURITY BREACH at the XXXX XXXX XXXX Illinois, Discover forwarded the checks from that location and they have a new payment processing company. They said they had made it though the other customer 's XXXX checks and still don't see mine. I confirm with XXXX the XXXX XXXX used was the breached one. The 'back office '' Discover person says they think they can ask higher above them to accept the original checks, but not before suggesting new checks be over nighted. ( That would mean dated for sometime in XXXX and increased interest. ) XXXX forwards over the original checks via email per Discover 's request ( Couldn't do this 2 months ago?? ) Discover states they will cash them ASAP, and backdate the interest to the original check date. Two more weeks pass by. I call them asking WHY they still have not cashed the checks. They told me they were working on a big project, why is my situation not your big project? I threatened to place in complaints on every level. They called me letting me know the checks were cashed and back dated. They should have been back dated to XX/XX/XXXX. They are not. They are back dated to XX/XX/XXXX. Three extra days of interest. The person on the phone with Discover said I am getting a refund still, and my reply is that I want the CORRECT refund. Every turn as been deception from Discover. This feels Illegal what they have done, someone please help me prove exactly how it is.
Company Response:
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Received a statement on XX/XX/XXXX showing a minimum payment of {$260.00}. The balance of the account was {$13000.00}, of which all but the {$290.00} in purchases made during the period was part of a balance transfer offer with 0 % APR for 14 months. The statement shows no purchases were subject to an APR. On XX/XX/XXXX, I processed a payment for {$1200.00}, more than sufficient to cover the minimum plus the new purchase from the XXXX statement. When my XX/XX/XXXX statement arrived, it however showed that a balance of {$620.00} was subject to an APR of 16.49 % resulting in an interest fee of {$8.00}. When contacted, Discover 's representatives were unable to explain how and refunded the interest fee. That statement showed a balance transfer remaining balance of {$13000.00} at 0 % APR and that {$1600.00} in new purchases were made, and a minimum payment of {$270.00} was due. I made a payment then on XX/XX/XXXX ( day the statement is received ) for {$2400.00}. This was more than the minimum payment and the amount of alleged outstanding balance that nobody could explain. I then received my next statement on XX/XX/XXXX showing that I still had an interest bearing balance from purchases of {$5.00} ( which doesn't check out based on the above ) and was charged a " minimum interest fee '' of {$0.00}, but without any explanation of which balance it was being applied. I immediately scheduled a payment for XX/XX/XXXX ( next business day ) for the minimum payment plus the alleged remaining balance of {$5.00}. There were no net purchases made during this period I'll add. Only one transaction which was refunded on the same day. Discover refunded the {$0.00} in interest, but failed to explain sufficiently how the above makes sense dating back to XXXX. Maybe I'm in the wrong here, but I don't believe this is in keeping with the Credit CARD Act of 2009, which stipulates that any excess payments made ( amounts higher than your minimum payment ) should be credited towards the balance with the highest APR.
Company Response:
State: MI
Zip: 48076
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Requested a report from XXXX Consumer Assistance Account : XXXX XXXX : Accounts shaded below may be considered Negative accounts XXXX shows this account " Negative '' .. No Data is available for months left blank in the payment history XXXX
Company Response:
State: CA
Zip: 95687
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A