Date Received: 2022-07-13
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Discover card account ending in XXXX Hello I have explicitly asked that all payment history since account creation be provided otherwise please stop reporting the account to ALL the credit reporting agencies. DEMANDS : XXXX. Supply all Account Statements from Date of Opening ( XXXX ) until present. XXXX. I have received documents from XXXX to present and there is 2-year gap missing from XXXX. XXXX. If you can not provide me with the documents, then you MUST Remove the account from all agencies
Company Response:
State: OR
Zip: 97006
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Discover card account ending in XXXX Hello I have explicitly asked that all payment history since account creation be provided otherwise please stop reporting the account to ALL the credit reporting agencies. DEMANDS : XXXX. Supply all Account Statements from Date of Opening ( XXXX ) until present. XXXX. I have received documents from XXXX to present and there is 2-year gap missing from XXXX. XXXX. If you can not provide me with the documents, then you MUST Remove the account from all agencies
Company Response:
State: OR
Zip: 97006
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Discover card account ending in XXXX Hello I have explicitly asked that all payment history since account creation be provided otherwise please stop reporting the account to ALL the credit reporting agencies. DEMANDS : XXXX. Supply all Account Statements from Date of Opening ( XXXX ) until present. XXXX. I have received documents from XXXX to present and there is 2-year gap missing from XXXX. XXXX. If you can not provide me with the documents, then you MUST Remove the account from all agencies
Company Response:
State: OR
Zip: 97006
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I noticed that Discover was listed on my credit report but I did not authorize them to pull my credit that I recall. So, in XX/XX/2022, I requested the application to be sent to me. On XX/XX/2022, Discover responded by saying that the inquiry was the result of a fraudulent application and that it would be removed at once. Under the ECOA 12 CFR 1002.12 ( b ), records must be maintained for at least 25 months from the date of inquiry and Discover either removed this record, or destroyed the application. I was denied the opportunity to take this matter beyond a simple request because I have no idea what this means. So I followed up with the CEO on XX/XX/2022 seeking relief and I have not received any response.
Company Response:
State: MO
Zip: 633XX
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISCOVER FINANCIAL SERVICE XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting can not furnish a account without my written instructions.
Company Response:
State: MD
Zip: 20745
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: At XXXX XXXX on XX/XX/2022 made a {$590.00} mobile deposit the receipt advised that XXXX would be available on XX/XX/2022 and remaining would be available on XX/XX/2022. I was notified at XXXX XXXX that my check was deposited in my account account. Expecting {$250.00} to be in my account I attempt to use my account it declined, when I checked my I see my entire check is on hold on XX/XX/2022. I NEVER received noticed. I called customer service the person I talk to said It looks like the check got flagged for manual processing. It can happen sometimes, let me see if the department is available to release that holdno they wont be back back until tomorrow XXXX XXXX they should be able to take care of you. I called back on XX/XX/2022 at XXXX XXXX talk to the person I believe i am supposed to be talking too advised it was a glitch and there is nothing she can do to expedite it. I was also advised on the XXXX XXXX phone that unsure why the funds were placed on hold and if they were to push it through it goes through a batch process so the funds would be available at the same time tomorrow so it makes no difference
Company Response:
State: IL
Zip: 60007
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX Remaining Negative Accounts. Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DISCOVERBANK Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Company Response:
State: TN
Zip: 38127
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Discover Card received an application with my name and phone number to open a Discover credit card. I never applied for this credit card.
Company Response:
State: CA
Zip: 94040
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XXXX XXXX a hard inquiry by Discover was done through XXXX for a credit card that I never applied for. The same day the inquiry was made the credit card was immediately mailed out to an outdated address. I received the the card via mail XX/XX/2022 and on the same day received a call from Discover that a fraudulent card might have been opened in my name. I did not activate the card, yet when I called I was informed that charges were made. Discover was aware that the address did not match my credit report and neither did my phone number or previous employer and still authorized the card.
Company Response:
State: CA
Zip: 93550
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Something is very wrong with your mobile app and your website in the way that it displays scheduled automatic payments. My payment is due on the XXXX of every month. I am enrolled in automatic payments. I had recently changed the amount of my automatic payment as my balance decreased ( it was previously {$300.00} per month but since my statement balance is now less than {$300.00} per month, I revised it to pay my statement balance ). Because I did this, I went in last night to ensure that the payment processed. Around XXXXXXXX p.m. central time, I logged in to the app. To my surprise, the next pending automatic payment reflected was going to be paid XX/XX/2022. I then checked the posted payment section and that revealed no payment was posted for XX/XX/2022. This was concerning as there did not seem to be a payment scheduled for XX/XX/2022. I then went to the website to confirm that this wasn't just an app issue. The website, too, reflected that there was no posted payment and no pending payment for XXXX. I have a perfect payment history and did not want to incur a late fee or any other penalty, so I scheduled a manual payment to be paid XX/XX/XXXX in the amount of {$300.00}. To my surprise, when I logged in this morning, an automatic payment posted on XX/XX/XXXX in the amount of {$230.00} and my manual payment of {$300.00} that I scheduled is in the " Scheduled '' section and not the " Posted '' section. This makes no sense as the automated payment of {$300.00} was not reflected anywhere in my account on XX/XX/XXXX, neither as a pending nor a posted payment. It appears that this payment goes in to some kind of " limbo '' bucket where it is neither a posted payment nor a pending payment. This is a UDAAP violation. This is unfair and deceptive, as it caused me to make an additional payment to you that I would not have otherwise made. I could not have reasonably avoided any of this as your systems did not reflect any pending or posted payment as of XX/XX/XXXX. Screenshots 1-3 were taken at approximately XXXX p.m. on XX/XX/XXXX, and Screenshots 4-5 were taken the morning of XX/XX/XXXX. Please refund my payment in the amount of {$300.00} and fix your systems so you can see that there is an automatic payment pending the day that it is scheduled to be paid!
Company Response:
State: WI
Zip: 53213
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A