Date Received: 2022-07-25
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2022 there was a Hard Credit Check. Someone fraudulently opened a Discover Card using my name, address, phone number, and I believe Social Security Number. I phoned Discover when I received notice of a change of address to a card I did not apply for, I had just received the card. They apparently cancelled the card after my phone call, and the situation was referred to their fraud department. I received I put a Credit Freeze on my Credit Report through XXXX, XXXX, XXXX and a freeze through XXXX on XX/XX/2022, after there was another Hard Credit Check.
Company Response:
State: MI
Zip: 49426
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Regarding account ending in : XXXX 15 U.S. Code 1692c- Communication in connection with debt collection, I XXXX XXXX XXXX XXXX Consumer, am demanding Discover Bank to Cease and Desist communication with my consumer credit report to all Credit Reporting Agencies on my behalf. Pursuant to 15 U.S. Code 1681a ( 1 ) ( d ) Discover Bank reporting to Credit Reporting Agencies is communication, and as of XX/XX/2022 I cease and desist Discover Bank communication. Failure to comply will result in many fines.
Company Response:
State: MS
Zip: 39305
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I had a XXXX XXXX XXXX XXXX I had a balance on it and did a balance transfer to My Discover Card Credit Card , Discover sent an electronic payment to XXXX XXXX XXXX XX/XX/2022 for {$1900.00}, XXXX XXXX said they cant find it, i called them and was told i could not go a balance transfer and would send the money back to Discover, they did not, i assumed it had been sent back to discover, So XXXX did another balance transfer and sent me {$2000.00} to pay off XXXX XXXX XXXX, by the time i did this amount had gone up. So i received the money from discover and paid off XXXX XXXX XXXX, paid a small amount more and paid off XXXX, Discover is now charging me for both balance transfers, one for {$1900.00} and one for {$2000.00}, the later one of {$2000.00} is correct, the {$1900.00} Discover sent is still unaccounted for, Discover said they electronically sent it and have confirmation and XXXX says they cant find it, I have reached out to both companies and Discover said XXXX refuses to talk yo them because they are a third party, Discover says i owe it and my responsibility to get the money back from XXXX, I would think Discover would have a legal department that could make XXXX give the {$19000.00} back to them, and XXXX told me they cant find it, so please mediate between these two companies, i am currently paying the {$1900.00} to Discover, this is not fair to me, and both companies will not get together and works this out. Thanks XXXX XXXX
Company Response:
State: IA
Zip: 50265
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
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: I filed a dispute with discover about a defective item that a merchant would not accept a return on within their return policy. Discover has constantly worked against me in the matter and aided with the merchant with no proof or documentation. Discover works for the merchants not the consumers of their card.
Company Response:
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Account Number : XXXX I have reasonable cause to believe that I have been extorted! Discover Financial Services is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. I have reason to believe this was done to coerce me to make payments of an alleged debt without proof of claim. I am aware that nothing under the Fair Credit Reporting Act REQUIRES a financial institution to furnish negative information to a consumer reporting agency. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority. Discover Financial Services and the Consumer Reporting Agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation. Discover Financial Services 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 nonrepayment thereof. This is a violation of 18 U.S. Code 1028A and 18 U.S. Code 894 and everyone involved shall be held criminally liable for engaging in racketeering activity. I would like XXXX XXXX XXXX XXXX XXXX XXXX of Discover Financial Services to provide me with any documentary material certifying that I gave my lawful consent for my nonpublic personal information to be disclosed to nonaffiliated third parties. If this documentary material can not be provided, this has been fraudulently furnished information with forethought and malice as a means of bringing harm to me and my financial reputation. In a letter ( see Exhibit A ) from Discover Financial Services dated XX/XX/XXXX, XXXX XXXX stated, We are in receipt of your letter dated XX/XX/XXXX. As a result, we have decided to permanently close your Discover Card account ending in XXXX. As the true beneficiary, this has been done without my lawful consent. I would like the names of everyone involved in this conspiracy against my rights. In response to your request for validation of your debt with us, we found the account and balance to be valid. XXXX XXXX has certified thorough his finding that the debt is valid. I would like to bring a few matters to your attention as you are now implicated in this matter. I am aware that the XXXX XXXX XXXX is the only person in the company that has actual knowledge and can certify the books of accounts. Enclosed please find : Copy of the statement ( s ). I am aware that copies of statements are not validation of debt. Also, in a letter ( see Exhibit B ) from Discover Financial Services dated XX/XX/XXXX, XXXX XXXX stated, This letter is in response to your request for validation of your debt with us. We found the account and balance to be valid. XXXX XXXX has certified thorough his finding once again the debt is valid. According to our records, this account was opened in your name as an individual account XX/XX/XXXX. I will need this documentary evidence to insure that Discover Financial Services isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me or my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of false and deceptive forms is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306. I am aware that the XXXX XXXX XXXX is the only person in the company that has actual knowledge and can certify the books of accounts. Without clarifying of this account, the allegation that I was loaned anything of value is hearsay. Upon clarification of this account, this would either confirm or denounce any notion that I was swindled with a fraud Agreement. If upon this clarification of the account it shows that my social security number funded this account and I was never actually loaned anything of value, this would be a violation of 18 U.S. Code 1341 and proof the XXXX and XXXX of Discover Financial Services have knowingly and willingly engaged in racketeering activity with the consumer reporting agencies they do business. The information you provided was verified with a credit reporting agency based on the request to open the account. I would like to take a look at this agreement that requires a financial institution to disclose my nonpublic personal information to nonaffiliated third parties without my lawful consent. Enclosed are copies of the last 12 months of billing statements for the account. I am aware that billing statements are not validation of debt. The terms of your account and your agreement to pay are outlined in the Cardmember Agreement. I am aware that Discover Financial Services did not fully disclose the nonpublic personal information in their Agreement. Additionally, in a letter ( see Exhibit C ) from Discover Financial Services dated XX/XX/XXXX, the Credit Bureau XXXX stated, We have conducted an investigation and below are our findings. The Credit Bureau XXXX has certified through their investigation that the debt is valid. I would like to bring a few matters to your attention too as they are now also implicated in this matter. Previous charges and payments are explained in detail by the billing statements sent separately. I am aware that billing statements are not validation of debt. You provided us with your name, address and identifying information. I am aware that personal information is not validation of debt. As a result of the above, the account and balance are considered valid. I will need this documentary evidence to insure that Discover Financial Services isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me or my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of false and deceptive forms is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306. I am aware that the XXXX XXXX XXXX is the only person in the company that has actual knowledge and can certify the books of accounts. Furthermore, Discover Financial Services has taken adverse action against me ( see Exhibit D ), with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 FCR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. XXXX makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the XXXX XXXX XXXX, has been violated. I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Discover Financial Services before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Discover Financial Services to furnish any late payments to my consumer report. It is my belief that due to Discover Financial Services business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe. I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship Discover Financial Services has with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce. This is my last and final attempt to address this matter before escalating this matter to a United States XXXX XXXX and insuring that everyone involved in this conspiracy is brought up on charges. Best Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved Cc : Corporations Implicated : - Discover Financial Services - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX of Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX of Discover Financial Services XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Discover Financial Services XXXX XXXX XXXX XXXX Discover Financial Services XXXX XXXX XXXX XXXX Discover Financial Services XXXX and XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: AZ
Zip: 85015
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act Discover Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : 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: GA
Zip: 309XX
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-23
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/2022 I XXXX searched for a hotel to make a reservation and and on the XXXX search produced a URL for XXXX near the top. I selected the URL thinking XXXX owned the XXXX XXXX XXXX XXXX XXXX XXXX XXXX where I wanted to reserve a room for a week. At XXXX XXXX XXXX I booked a room at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a week using my Discover Credit Card. Upon completing the booking I noticed that a supplement charge of {$400.00} was added to the room cost, which surprised me. So I researched and learned that XXXX was not the owner or reservation agent for the XXXX XXXX XXXX, but was some independent internet based booking agent. And another XXXX search for " XXXX Scam '' returned hundreds of complaints for fraud. So I called XXXX and requested to cancel and I received a confirmation at XXXX eastern time the reservation was cancelled. Upon further review I found a paragraph at the bottom of the confirmation and cancellation that the reservation could only be cancelled for a full refund by XXXX on XX/XX/2022, which was the night before I made the reservation. So I was scammed. I booked the hotel room at the XXXX XXXX XXXX on XXXX XXXX directly and charged the room to my Discover Card. The total cost was {$400.00} less than what XXXX was charging. But now I have paid both charges because of the fraud and am out {$1200.00} to Discover Card. I immediately called Discover Card to stop the transaction, and Discover Charge advised me the charge had not posted and to call back when it did. When I received the next statement I explained the situation and Discover Card processed a dispute, but when XXXX sent in the internet confirmation, Discover Card resolved the dispute in the Merchant 's favor. I then called and placed another dispute with documentation. XXXX again sent in documentation and Discover Card has said to me that since Discover Card is a documentation based company, they have resolved this permanently in favor of XXXX The XXXX scam is littered over the internet and the scam can only be completed with the complicit assistance of credit card payors, in this case Discover Card. This is a big problem for consumers and Discover Card is not able to deal with the consumer protection aspect of this problem and it appears they are conflicted because it is the Merchants who pay the credit card fees. Please look into this problem.
Company Response:
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2022-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX, I inserted my Discover credit card into an automated pump at a XXXX XXXX XXXX in XXXX, FL and after entering my zip code got a message on the pump 's screen that read " SEE CASHIER '' ; I was in a bit of a hurry and pulled up to the next pump, inserted my Discover credit card and zip code and got the same message on the screen. This time, I went inside and told the cashier, she said that I could purchase gas inside the store. I did not want to do that because I was afraid that I would be charged twice, so I left that XXXX XXXX never having lifted a single pump, or putting any gas into my car a XXXX XXXX XXXX ( only takes gas as fuel ). It should be noted that the gas pump never displayed the typical message when a credit card is authorized to pump gas, such as, " lift handle and dispense fuel. '' About an hour later I got gas at another XXXX XXXX station in another part of XXXX. A few days later, I noticed a pending charge of {$120.00} from the XXXX station where I never pumped any gas. I called up Discover Card and notified them that I did not pump any gas and they told me that the gas station put a hold for {$120.00} and that it should drop off in about a week. That did not happen, instead the charge posted. I disputed the charge, and also appealed Discovers ' finding that I owe the {$120.00}. When Discover sent their letter dated XX/XX/XXXX, only then was I informed that the charge of {$120.00} was for diesel fuel -something I couldn't pump into my car because my car only takes gasoline. I filed a Police Report in XXXX regarding the incident and that my Discover credit card had been used without my authorization, and that this is a fraudulent charge. I had tried unsuccessfully to resolve this matter with the XXXX XXXX station and they just denied responsibility and pointed to Discover Card. Discover Card states a {$0.00} Fraud Liability Guarantee, however, they apparently do not stand behind this policy. I never authorized anyone to pump diesel fuel. I drove away from the XXXX gas station without pumping any gas, either their pump malfunctioned, the cashier didn't clear out my credit card information, or Discover Card made a mistake authorizing the charge. I notified Discover Card as soon as I saw that a charge of {$120.00} was pending, told them that I never pumped any gas and that this was not authorized by me. Discover Card had the opportunity to deny that charge and not post it to my account since I had notified them that the charge was not authorized and fraudulent. I submitted a pdf of the Police Report that I had filed to Discover, even that did not change Discover Card 's view of this matter.
Company Response:
State: FL
Zip: 33071
Submitted Via: Web
Date Sent: 2022-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Discover bank is reporting a charged off account in my name that is the result of identity theft. They recently verified the account as accurate. The FAILED to provide me with proof of the debt, my signature on the original contract, original terms of the account, any proof that the account belongs to me. In addition, the balance reporting on the XXXX 's is not accurate and does not make sense.
Company Response:
State: TX
Zip: 77571
Submitted Via: Web
Date Sent: 2022-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have been a Discover credit card holder since XX/XX/2022. I would always pay my Discover card off quickly. As of XX/XX/2022 I did not have a balance on my credit card. At XXXX on XX/XX/2022 I received an email stating my Discover account ending in XXXX was closed " because we were unable to verify personal information on your account. '' It is important to note Discover never attempted to contact me to verify any personal information whatsoever. Moreover, when I called Discover immediately after receiving the email, the department which deals with this issue was closed until Monday and only in operation Monday through Friday from XXXX to XXXX eastern standard time. Thus, making it impossible for me to rectify my issue and in turn having to accept the abrupt account closure without warning. The email goes on to state, " We will report to the credit bureaus that the account was closed by the creditor, and credit your account with your card rewards balance if you have one. '' It is important to note I was also never credited for my rewards balance. This is absolutely uncalled for. Discover never attempted to verify any personal information before closing my account, which did not even have a balance on it at the time. Discover was not even open for business when they sent this email. Finally, Discover is placing my credit in jeopardy for no good reason. This activity and behavior is completely unacceptable and Discover should not be permitted to close accounts for these unspecified reasons. Please investigate.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2022-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A