Date Received: 2023-12-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I received from my employer on XX/XX/XXXX a letter indicating they were required to withhold from my check 25 % of my disposable earnings until my debt is satisfied. They were directed to withhold {$10000.00} in total from my wages. I contacted the attorney representing the plaintiff but {$500.00} was taken out of my account on XX/XX/XXXX. They were successful in taking another {$500.00} on XX/XX/XXXX. I had this credit card more than XXXX years ago. I believe it was closed in XXXX or XXXX. A Default Judgement was issued in XX/XX/XXXX. 1. The statute of limitations for the credit card debt is closed. 2. I previous lived in XXXX that has 4 years of open-ended accounts statute of limitations. I moved to XXXX in XXXX that has a statute of limitations of 5 years. The debt is a time-barred debt, therefore no longer legally collectible because the statute of limitations has run out. 3. I am certain at least 30 days would be required for us to settle this matter before funding could be garnered out of my account. 4. I am quite certain the credit card in questioned had a credit limit of {$2500.00}. And, 5. The information submitted to the court was dated XX/XX/XXXX. I had a XXXX in XX/XX/XXXX. I did not move to the address on the paper work until XX/XX/XXXX.
Company Response:
State: AR
Zip: 722XX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I found this account opened in my name in XXXX, discover closed it and then provided a 1099 showing I wasn't liable for the amount. Despite this, it has remained on my credit hurting it. I eventually paid the amount despite it not being mine ; however, discover is still reporting it on my account.
Company Response:
State: KS
Zip: 66106
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Credit Card Application # : XXXX Inability to give me access to this account is securities fraud for withholding an extension to my own credit and will be notified to the SEC and FTC. Please retract my application from reporting to my credit profile if you are unable to acknowledge a completed application and give me access to this account as stated under the regulations of the Equal Credit Opportunity Act and Truth in Lending Act.
Company Response:
State: CA
Zip: 90621
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I got a credit card with Discover mainly because of their intro 0 % APR for 21 months. I then completed a transfer balance that I plan on paying down soon. At some point in the first few months with the card I requested two cash advances for a total of {$240.00}. Meanwhile, I've made minimum payments every month for a total of {$1100.00} so far in about 10 months. It made sense to me that the payments were also going to pay down the cash advance balance, but they didn't. I have been charged interest on that {$240.00} for about six months. When I called to complain a Discover representative told me that payments should go towards the balances with the highest APR, so if my intro APR is 0 %, the payments should have gone to the cash advance balance. They simply apologized, said it was how the system was set up, and told me I have to make extra payments to pay down my cash advance balance. This seems like a way for Discover to charge interest fees to unsuspected customers.
Company Response:
State: NY
Zip: 12304
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am writing to the Consumer Financial Protection Burea to seek proper handling of my claims by XXXX XXXX and Discover Bank. They have fraudlently closed my account but have refused to offer me another credit line and are refusing to acknowledge my report regarding fraud and are claiming that identity fraud case which occured did not take place. This lie has resulted in a {$6000.00} credit fraud claim loss and is an attempt to falsify and defraud XXXX XXXX like myself and discredit the investigations of the XXXX XXXX Police Department. Discover was my credit card compamy for XXXX years and instead of providing customers like myself quality investigations and reimbursement services they have dismissed my claims as imaginary and behaved in an unprofessional manner by not speaking with me prior to closing my account ( but Discover is holding my financial data XXXX and preventing me from opening other credit cards for my self employement ). On XX/XX/XXXX, I reported the {$6000.00} Discover credit card fraud loss to XXXX and on XX/XX/XXXX it was reported to me that the claim number XXXX under policy number XXXX investigation confirmed that no fraud was committed under insured credit line despite the fact that fraud did in fact take place on XX/XX/2023. Discover and XXXX 's behavior is tantamont to digital and financial terrorism and I am seeking a reimbursement of the {$6000.00} as my insurance policy with XXXX XXXX allows or a reopening of my Discover Card credit account with the previous credit balance of {$6000.00}.
Company Response:
State: VA
Zip: 20165
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I tried to open a discover online checking account and was required to submit ID verification form on XX/XX/XXXX. For the first ID verification form, I was notarized by one of the bankers at XXXX XXXX and sent it to discover bank via their secure link on XX/XX/XXXX. Later I called to check in my application process and was told that discover wasn't able to verify my form because the banker was on vacation and wouldn't be back until XX/XX/XXXX. In lieu of this, I sent out another form to discover bank on XX/XX/XXXX and called on XX/XX/XXXX to request my form be sent to notary department. On the phone call, the agent told me that she would make sure to forward it to the notary department. On XX/XX/XXXX, I called again to check my application status and was told by the agent that the notary department wasn't able to verify the form yet because they couldn't get hold of the banker who notarized my form, and the phone call went directly into the general customer service line. On XX/XX/XXXX, as of today, I called again to check on my notary verification form and was told by the agent that the second form had not yet sent to the notary department. Astonishingly, she said there were no notes or communication records had been left on her end, except the XX/XX/XXXX call. I am more than appalled to learn that my XX/XX/XXXX call and XX/XX/XXXX call went to moot, and two agents, who specifically told me on the phone to forward my notary form to notary department, had just done nothing with my application. This kind of bureaucratic infuriates me more than ever. I attached some of the phone calls I made to discover bank, which amount to one hour, yet nothing was done.
Company Response:
State: MA
Zip: 02062
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Subject : Demand for Removal of Inaccurate Collection Account and Compensation Pursuant to FCRA Violations Dear Consumer Financial Protection Bureau, I hope this letter finds you well. My name is [ instructed do not include ] and I am writing to bring to your attention a critical matter regarding potential Fraud, identity theft, securities fraud, Conspiracy, Trustee violations due to lack of disclosure, tax invasion, Assertion : Mishandling and trading of private information may constitute a violation of the Privacy Act of 1974. Racketeering and other erroneous crimes from the way these companies are doing business '. an inaccurate collection account on my credit report, which has been reported by this company. I am seeking its immediate removal and compensation for the time and effort invested in disputing this erroneous entry. The account in question has been listed without my consent, and I want to emphasize that I have no contractual relationship with any of these entities, corporations. They have not only sold and traded accounts yet discharged and claimed funds as abandonment which is not the case because of lack of disclosure. they have not reported the sold accounts to the IRS in benefit of the Beneficiary and they have allowed 3rd party debit collectors to use their name to enforce trauma. I have not provided any authorization for the use of my name, likeness, or credit data, making the presence of this collection account a direct violation of my rights. I am the consumer and a victim of fraud and identity theft, due to non-full disclosure using and selling my personal information and securities, promissory notes, and other instruments for their personal gains to no gain of me the only authorized Beneficiary. over 2 years i have personally reached out and also asked credit repairing agents to address this matter. I need the credit bureau to mail me all of those correspondence letters received from the credit repair companies. This collection account is in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically outlined in Section 607 ( a ) ( 1 ) and ( 2 ). The FCRA mandates that credit reporting agencies, such as XXXX, ensure the accuracy, completeness, and timeliness of the information they report. Moreover, Section 615 ( a ) ( 1 ) prohibits any person from furnishing inaccurate information to consumer reporting agencies. Section 621 of the FCRA further imposes liability on any person who willfully fails to comply with the requirements of the FCRA, making them liable to the consumer for damages. Furthermore, this situation is a blatant violation of 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j. These sections underscore the obligation of credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. The collection account 's fraudulent acquisition and sale also contravene the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which expressly prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. Moreover, these actions breach federal laws, such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ), by engaging in deceptive and fraudulent practices. I kindly request that the Consumer Financial Protection Bureau immediately investigates this matter and takes necessary action to compel the removal of the illegal collection account from my credit report. Additionally, I seek compensation for the time and effort expended in disputing this inaccurate information. Thank you for your prompt attention to this matter, and I appreciate your assistance in resolving this issue. they knowingly or unknowingly Committed securities fraud... all consumer debts should be discharged and paid by the treasury HJR 192 is the insurance policy that protects the legislators from conviction for fraud and treason against the American people. It also protects the American people from damages caused by the actions of the United States I hope this letter finds you well. I am writing to address a matter of great concern regarding my account with your institution. Over the past two years, I have been attempting to resolve issues through various communications, but unfortunately, satisfactory resolutions have not been achieved. This notice aims to draw your attention to specific facts and concerns that point to potential legal violations, including a violation of the Privacy Act of 1974 and the Indenture Trustee Act. Potential Fraud : Assertion : Unverified information has been associated with my account, constituting potential fraud. Supporting Fact : Recorded credit scores, acquired without proper authorization, indicate actions that may amount to identity theft and securities fraud. Identity Theft : Assertion : The acquisition and use of my credit information without proper authorization may amount to identity theft. Supporting Fact : Unauthorized hard and soft inquiries, as well as the trading of private information, raise serious concerns. Tax Evasion : Assertion : Mishandling of financial transactions may raise questions about tax evasion. Supporting Fact : Immediate return of securities bonds, USD principal, interest, and associated terms is demanded for proper rectification. Defamation of Character : Assertion : Your institution 's activities have adversely affected my good name, causing harm to my personal and professional life. Supporting Fact : Denial of loans and investment opportunities due to adverse credit impact is a tangible consequence. Conspiracy Against Individual : Assertion : The mishandling of my account, intentional or not, may constitute a conspiracy against me. Supporting Fact : Ongoing discrepancies and lack of resolution despite diligent attempts indicate potential collusion or neglect. Violation of Consumer Rights : Assertion : As a consumer and account holder, I am entitled to accurate handling of my account information in compliance with federal law. Supporting Fact : Numerous attempts to resolve issues over the past two years have not yielded satisfactory results. Extortion : Assertion : Attempts to commit securities fraud, extortion, omission, or identity theft are unacceptable. Supporting Fact : Cease and desist instructions are issued to stop such activities immediately. Privacy Act of 1974 Violation : Assertion : Mishandling and trading of private information may constitute a violation of the Privacy Act of 1974. Supporting Fact : Unauthorized use of credit information and failure to comply with fair information practices indicate potential Privacy Act violations. Indenture Trustee Act Violation : Assertion : Your institution 's actions may be in violation of the Indenture Trustee Act. Supporting Fact : Improper disclosure or no disclosure of pertinent information regarding my account status and transactions may constitute a breach of trustee obligations. Egregious Business Practices : To verify the facts in the preceding paragraphs, see ( 5 U.S.C. 903, 12 U.S.C. 95, 18 U.S.C.A. 914, 22 U.S.C. 263, 285, 286, 287, 288. Public Law 89-719, Public Law 94-564, Public Law 101-167, Public Law 91-151 Public Law 103-465, House Report 103-826 T.D.O 150-10, T.D.O. 92, 41 Stat. Chap 214 pg. 654, XXXXXXXX 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 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 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: GA
Zip: 31093
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: It has come to my attention that DISCOVER FINANCIAL has denied me of credit. I would like to first put you on notice that I, a NATURAL PERSON, CREDITOR, and APPLICANT am aware that the denial letter given is an ADVERSE ACTION pursuant to 15 USC 1691 ( d ) ( 6 ). As the Original Creditor I initiated the CONSUMER CREDIT TRANSACTION using my credit card pursuant to 15 USC 1602 ( L ) making DISCOVER FINANCIAL an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. This denial letter is identified as a deceptive form pursuant to 15 USC 1692j. I DID NOT benefit from the consumer credit transaction, but I was injured instead. You pulled my XXXX credit file with a hard inquiry which means DISCOVER FINANCIAL benefitted from the transaction. I am the one who extended credit through the credit application. DISCOVER FINANCIAL used my credit information to get paid when I should have benefitted as well. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). No credit card shall be issued except in response to a request or application thereof says Congress pursuant to 15 USC 1642. Pursuant to 12 CFR 202.9 ( b ) ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action.Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. DISCOVER FINANCIAL is civilly liable for violations of TILA pursuant to 15 USC 1640. DISCOVER FINANCIAL is civilly liable for violations of ECOA pursuant to 15 USC 1691e. I DEMAND the credit applied for to be approved. I demand my card be mailed to the location information provided.
Company Response:
State: CA
Zip: 92604
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I, XXXX XXXX, the consumer and natural person, was denied credit by Discover when I applied for a Discover XXXX XXXX XXXX. 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. XXXX XXXX is 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. Discover is in violation of 15 U.S. Code 1642, U.S.C 1681m AND 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.
Company Response:
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Contacted the company today XX/XX/2023. Was originally put on a payment plan for {$33.00} a month, to pay off my card. Payments apparently ceased a few months ago without notice sent to me. Now my minimum is required to avoid charge off. Attempted to resolve myself but the company is unwilling to make adjustments due to their negligence. Since the payment plan began, I have not missed payments until they stopped the automatic payments.
Company Response:
State: NH
Zip: 03102
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A