Date Received: 2022-08-30
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have had my card open 4-5 years plus and have yet to have a credit increase, even after paying on card on time every month.
Company Response:
State: SC
Zip: 293XX
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: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: they call asking for someone else and keep calling leaving voicemails asking for a person that is not me. i blocked the caller and they leave long voicemails asking that i give them a call back to resolve a issue i dont have with them.
Company Response:
State: CA
Zip: 91740
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: Getting a line of credit
Subissue:
Consumer Complaint: On XX/XX/22 I applied for a personal loan from discover and was denied and sent a adverse action letter. As I am the consumer and attempted to get credit in GOOD FAITH as I am credit worthy. I was denied an extension of my own credit, for I am the consumer/ natural person. I replied with an affidavit as I felt this is discrimination. And credit was used with no benefit to me pursuant to 15 usc 1602 ( p ). My credit should not be in the hands of a computer generated determination, for I am a natural person.
Company Response:
State: TX
Zip: 75115
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: 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 a credit inquiry from a fraud ( they applied for a credit card with my info ) and I reported this to XXXX XXXX and to Discover and XXXX XXXX did not remove thnis from every credit bureau. I still see this on some reports and it needs to be removed. I proved it was fraud and I have my credit frozen because it might be apoaring onn the dark web, this has happerned 2 times this past year in which I reported the fraud and I was also notified because I have warnimngs set. This 2 hard inquiries need to removed of all credit reports. please help me and take care of this, thank you, Sincerely XXXX XXXX
Company Response:
State: CA
Zip: 93003
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: 2022-08-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To Whom it may concern, please remove all tradelines being reported with any derivatives of the name XXXX XXXX XXXX that name has been copyrighted, I hereby revoke and rescind any prior written or verbal consent to use the name XXXX XXXX XXXX. See attached affidavit of publication. Failure to do so will result in a lawsuit against your Financial Institution.
Company Response:
State: WA
Zip: 98408
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX has charged my card for services that I am not able to access. I have tried to get a hold of them but due to no phone number, was unable to get into contact with them. I have put a stop on my credit card but XXXX is taking my money fraudulently and I want my money back for XXXX and XX/XX/2022.
Company Response:
State: VA
Zip: 22206
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
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 a right to privacy 15 USC Section 604 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 a open end consumer credit plan as late for any purpose
Company Response:
State: TX
Zip: 75081
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I received a notification from XXXX XXXX via email on XX/XX/2022 that my account was delinquent and credit score has dropped nearly XXXX points. I checked my XXXX XXXX app and saw there was a delinquent payment from Discover. I then checked the payment history section on XXXX XXXX and the Discover Bank Online Account and it showed no late payments. I called Discover Bank immediately and was informed that I was 60 days late for a payment due on XX/XX/XXXX as of XXXX of XXXX. My account is set to automatic payments and has posted every month without issue. The account representative me that the payment posted on XX/XX/XXXX was rejected by the bank. This is the first time I'm hearing about this, it was not reflected in my statements, online banking app, or connected credit monitoring app. I received no notification from Discover that there was a pending payment on my account or that they were going to escalate it further. Had I been aware I would have rectified this situation immediately. The representative stated that the credit card cycled into the next billing cycle justifying them reporting to the bureau that the payment is 30-60 days late and that is why my credit had been affected. The first Account Representative I spoke with informed me that she had no one she could set us up to speak with. I explained to her that this situation is urgent and it has severely impacted my credit score and to see if there is a supervisor we can speak to. After much deliberation, she finally connected us to a supervisor, XXXX XXXX XXXX, XXXX, Ohio Dept., who claimed that there is " nothing she can do '' and that there is no one above her I can speak with. When I informed her that I was aware that there was an Executive Office for Customer Advocacy she promptly shifted her answer and said she'd connect us with someone. After a 10 minute wait, she transferred us a woman named XXXX XXXX, when I asked her title she told me she was an Account Representative and was not in any supervisory role. She could not inform us of the name of the previous supervisor which we had to find via another representative. She said that there was no available supervisors for me to speak with and asked if she could take a payment. After an additional 15 minutes, we were connected to a supervisor, XXXX XXXX. XXXX was able to file a dispute despite the fact that previous representatives and supervisors told us that it wasn't possible. The XXXX app didn't reflect any sort of missed payment or return payment. I wasn't prompted to fix anything or that my payment had been returned. I haven't missed a payment to Discover in my 5 years with the company, so I assumed things were going smoothly as per usual. I am set to move from my home in XXXX XXXX to XXXX, NY in just 2 months time to attend XXXX XXXX. Having my credit drop this significantly is of major concern and has a detrimental affect on my ability to secure housing and therefore my ability to attend school and my future. This underlines the importance to me of having it removed and my credit restored as quickly as possible. Discover Bank opened a dispute for this case with Case # : XXXX
Company Response:
State: CA
Zip: 90042
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are inquiries that I dont know aboutXXXX XXXX XXXX XXXX Discover Financial Ser, XXXX Discover Financial SerXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Discover Financial Services has violated 15 U.S. Code 1602f by removing my right to credit by closing my account which is an adverse action against me the consumer pursuant to the Fair Credit Reporting Act. Discover Financial Services has violated 15 U.S. Code 1666b by claiming payments can be considered late when congress has forbidden that claim and then continued to close my account further violating me. Discover has violated 15 U.S. Code 1692j by creating deceptive forms to make me believe that I owe a debt that has already been payed by the United States according to House Joint Resolution 192 and pursuant to 18 U.S. Code 8. ( Exhibit A ) Discover has violated 15 U.S. Code 1692f ( 8 ) by violating my privacy so that everyone can assume I owe something when I don't. ( Exhibit B & C ) Discover has violated 15 U.S. Code 1692d ( 2 ) by using profane language two times to guilt me into paying a debt that I don't owe. ( Exhibit D & E ) Discover has violated 15 U.S. Code 1892b ( 2 ) tried two times to collect an alleged debt from me outside of my state. ( Exhibit D & E ) Discover has violated 18 U.S. Code 1961 by using extortion two times o coerce me into paying an alleged debt. ( Exhibit D & E )
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A