Date Received: 2022-07-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My name is XXXX XXXX, I am writing this on my own behalf, and there is no third party involved. I am writing in regards to inaccuracies that Discover is reporting to the credit reporting agencies and this action XXXX constitute fraud under both XXXX and XXXX Laws. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic personal information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Act, has been violated. On my report, there is an account under Discover Bank opened on XX/XX/XXXX ending in XXXX. Discover is knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. I am aware that nothing under the Fair Credit Reporting Act ( FCRA ) requires a financial institution to furnish negative or inaccurate information to a consumer reporting agency. Discover, along with the help of the Consumer Reporting Agencies are knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for the nonpayment thereof. This is a violation of 18 USC 1028A and 18 USC 894 and everyone involved shall be held criminally liable for engaging in racketeering activity. XXXX is reporting the account as 60 days overdue in XXXX of XXXX, while XXXX is reporting the account as 30 days overdue in the same month. In addition to the inaccurate dates of late payment history. XXXX is reporting that the Worst Delinquency status is 120+ days past due while XXXX is reporting the status as a Charge Off. It is clear that the reporting agencies do not hold the documentary material of indebtedness, which is leading to inaccurate reporting to my consumer report. Furthermore, XXXX is reporting the account with a Payment Status of Charge off, while XXXX is reporting as Unpaid balance reported as a loss by credit grantor. If Discover is reporting this account as Charge Off to the consumer reporting agencies ( XXXX, XXXX, XXXX ), then it may not be on my consumer report. I am aware that according to the IRS, a charge off becomes gross or ordinary income. Income is not to be reported on consumer reports. The definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. The status of this account reporting as a Charge Off is an inaccurate account, which is a violation of 15 U.S. Code 1681e ( b ). Pursuant to 26 U.S. Code 61 ( a ) ( 11 ) - Gross income defined Except as otherwise provided in this subtitle, gross income means all income from whatever source derived, including ( but not limited to ) the following items : Income from discharge of indebtedness. If Discover has filled out a 1099-C form and is continuing any kind of collection activity as defined under 31 USC 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, they are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. The continued reporting of this inaccurate information is a clear violation of 15 USC 1681s-2 and the responsibilities as furnishers of information & 15 USC 1681e ( b )
Company Response:
State: FL
Zip: 33634
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I was given a line of credit in XX/XX/XXXX for {$10000.00} from Discover. I used the money for relocation expenses. Once I maxed out the card, Discover shut down my ability to ever use it again. I had not missed a payment, yet the card was shut down. In the 4 years since, I have missed exactly XXXX payment ( XX/XX/XXXX ). I have paid much more than the minimum amount due nearly every month. In total, to date, I have paid {$9500.00} of my {$10000.00} debt to Discover. According to their calculations, I still owe them {$7500.00}. I have been given credit for exactly {$2400.00} of the payments I have faithfully made. This can not be fair on any level, can it? According to them, {$7000.00} of the {$9500.00} that I have paid has gone strictly to interest. According to these calculations, I will basically never pay off this debt regardless of how much I pay. Thus far, Ive paid 70 % interest on the card. And I most definitely did not apply for this card with the notion that it would be a lifetime of debt. I have asked them, after years of a perfect payment record, to please lower the interest or to work with me in some way. I was told that there is nothing that can be done. Im sure if consumers knew what they were signing on for, a good deal of them would take their business elsewhere. I know I would have. I realize and appreciate that an interest rate is attached to all credit cards and loans. And sometimes, that rate can be pretty steep. But paying {$7000.00} ( and counting! ) in interest on a {$10000.00} card I should never be allowed happen. At this point, I am questioning the sanity of continuing to make these payments. Im not even treading water here, Im XXXX.
Company Response:
State: IL
Zip: 60656
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
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: On XX/XX/XXXX I purchased furniture from XXXX XXXX XXXX in XXXX, UT. I used a Discover credit card to make the {$5500.00} purchase. The furniture was to be delivered later due to supply chain issues. I received monthly updates from the furniture company telling me delivery was being further delayed and that they were working to get furniture to me as fast as they could. On XX/XX/XXXX, I received the last email update. On XX/XX/XXXX the furniture store employee who had sold us the furniture informed us that due to financial problems of the company we would not be getting the furniture. I immediately ( on XX/XX/XXXX ) disputed the {$5500.00} charge with Discover. I also tried to contact the owner of the furniture store but was not successful. Discover initially gave me the {$5500.00} credit to my card while they did an investigation. After the investigation, Discover informed me they reversed my {$5500.00} credit because they found it to be a valid charge. The only documentation Discover sent me relating to the investigation was a copy of the credit card charge I made with the furniture company ( this was the charge I was disputing so this was not any meaningful documentation ). The company is out of business and has been issued a citation by state division of consumer protection. The division has been unable to contact the owner directly. I have contacted and discussed my dispute with Discover dispute representatives at least five times since my dispute was denied. I was told each tme that to get credit for the {$5500.00} charge, I would need a letter from the furniture ompany owner on company letterhead indicating that my furniture was not delivered and that I was due a refund from the company. This is impossible because the owner is no where to be found and will not respond to any form of communication. On XX/XX/XXXX, I sent a letter to Discover containing a link to and excerpts from the Fair Credit Billing Act Sec.1666 Correction of Billing Errors '' that indicates that if I ( obligor ) make a timely dispute ( to the creditor ) of the charge, indicating that I did not receive goods for which I was charged ( which I did- I made the dispute on the day I learned I would not ever receive the furniture ) then, before being able to deny the dispute, the credit card company is required to investigate and determine that the goods were actually delivered and then provide me ( the obligor ) with a statement of the determination [ Sec . 1666 ( a ) ( 3 ) ( B ) ( ii ) ]. Discover did no such investigation and did not provide me such a statement.
Company Response:
State: UT
Zip: 84062
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: See attachments - DISCOVER BANK violated my federal rights to privacy and confidentiality under 15 USC 1681 ( a ) ( 4 ).
Company Response:
State: IN
Zip: 46311
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Discover Card called Mom to ask for an over the phone payment of {$5.00}. 1. They provided her the FULL account number to her non-Discover checking account. 2. They asked her to verify information about herself. 3. They pressured her to make a payment over the phone for a 30-day balance. We called Discover Card the next day to ask the following. 1. They remove her ACH Banking Information from their records. 2. They not call her to ask for payment information over the phone. They said that they were unable to remove her personal information regarding her checking account from their records. To our knowledge, this information was never provided and Mom did not authorize ACH debits from her account. This is further proven by the checking account in question being less than 6 months old. To resolve the matter and prevent further fraud, we closed the Discover Card account.
Company Response:
State: IN
Zip: 46614
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: applied for card and denied me because my tax return didn't have my current address on it
Company Response:
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I contacted this company and have disputed in the past. This account was resolved with the company Discover Bank. I will attach a statement from Discover Bank. XXXX XXXX Account XXXX. XXXX On XX/XX/2015, A company shown as Discover Bank was reported to my credit report per Credit Report. I have never signed an agreement with this company, and Nore have I ever heard of it. Upon further research, the debitor 's creditor did not verify this collection. Also, there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send an invoice and say it's min. According to FCRA, this company has violated my rights as a consumer. I'm looking into taking legal action to remove the fallacious account from my credit report immediately! I wanted to see if my dispute could be resolved by taking all necessary steps before taking drastic action.
Company Response:
State: FL
Zip: 33487
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
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: XXXX {$210.00} Discover Credit Card transaction via XXXX XXXX {$100.00} Discover Credit Card transaction via XXXX These transactions were approved by the Discover credit card company even though my billing address on XXXX for the Discover card was incorrect. Discover should have declined those transactions due to incorrect billing address. I talked with Discover on XXXX but they said these are pending authorized transactions on which they can't do anything. I talked with Discover security department and billing department on XX/XX/2022 from XXXX to XXXX asking them why my transactions were approved by Discover card when XXXX had wrong billing address even-though I made these transactions. That means Discover doesn't validate every transaction I make against my correct billing address which is a serious security hole. But they're not ready to accept it.
Company Response:
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I received my direct deposit this morning ( XX/XX/XXXX ) and was finally able to start using my Discover banking card. They closed my account without warning not even 24 hours later and they said that I wont be able to get available funds for two months ( 60 days ).
Company Response:
State: KY
Zip: 40065
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). FURTHERMORE, the above consumer DEMANDS the following below : Account Name : DISCOVER BANK Account Number : XXXX
Company Response:
State: IL
Zip: 60477
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A