Date Received: 2022-07-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I opened the account with Discover Bank in XXXX, and the account was closed in XXXX. I am asking for this account to be deleted, because it has been XXXX years.
Company Response:
State: TX
Zip: 77026
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My complaint is about DISCOVER and XXXX Credit Bureau. I noticed XXXX unknown, unrecognized inquiry on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/2022 Because I did not apply for credit with DISCOVER. Please launch an investigation into DISCOVER inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if DISCOVER is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Company Response:
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2022-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-03
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX at XXXX pm, the Discover Bank sent me an email stating that they were writing to let me know that they noticed unusual activity on my checking account ; and they had suspended access to my checking and savings account after I submitted a transfer of my own funds. They tried to block my own funds from transferring. On XX/XX/XXXX, and XX/XX/XXXX, I received an email from XXXX, and CFPB, about the responce letter from the XXXX XXXX XXXX XXXX XXXX stating that on XX/XX/2022 that they had completed an additional review of my accounts ; and at that time the freeze was lifted, and the decision to close my account was overturned. On XX/XX/XXXX, I spoken to the security team about the situation of why my account was frozen. An after further review, she stated that what caused my account to freeze was I canceled my transfer. I asked her how can my account cause suspicious activity when I don't have access to a debit card? And after having a complete review, the freeze was lifted. During the evening time, I got tired of the situation ; it was stressful for my work and time, that I decided to call the customer representative to request to close my account. As the customer service representative seen that my checking and savings account was in good standing, for some reason, he stated that he could not close my account, and then transferred me to the security team. That kind of sounded suspicious because normally a customer service representative has authority to close accounts if you ask. To clear the rest of my own funds from my checking and savings, I transferred from my savings to my checking and scheduled a transfer. A few minutes later when I logged back into my account, it was frozen. There was a message inside my account that stated " please contact the customer service immediately regarding your bank Discover account. We routinely monitor account information and transactions, and have identified unusual activity on your account, for accounts with unusual activity are not displayed. Please contact customer service. '' The call volume was so high between 2 to 3 hours of waiting time. Everyone on social media, and all over the internet were complaining about the same problem. I like to request my funds, and wish to close my account in good standing.
Company Response:
State: KY
Zip: 40509
Submitted Via: Web
Date Sent: 2022-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. I have no knowledge of this account.
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2022-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-03
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: received a new debit card for Discover bank - had my name and address but I didn't open it, called discover they stated some of my personal information matched but not all of it, 1 that did was my social security number. they said they would close account and report but want to make sure nothing else is out there.
Company Response:
State: OH
Zip: 45150
Submitted Via: Web
Date Sent: 2022-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My complaint is about DISCOVER FINANCIAL SERVICES and XXXX Credit Bureau. I noticed one unknown, unrecognized inquiry on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/XXXX. Because I did not apply for credit with DISCOVER on that date. I had applied to Discover on XX/XX/XXXX, and XX/XX/XXXX, those inquiries are legitimate and show up on my credit report but not on XX/XX/XXXX. Please launch an investigation into Discover Financial Services inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if Discover is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX, an agent for principal XXXX XXXX, a federally protected consumer, holder in due course, and attorney in fact. I am making this complaint against Discover for engaging in abusive, deceptive, and unfair practices. Discover has failed to clarify a billing error that has been placed on my consumer report. Discover has placed late payments on my consumer report without my shared consent and my lawful authority. Furnishing these payments to my consumer report without my consent is considered an attempt to abuse. Discover has reported negative information that is not required by law to report which has led to disclosing my nonpublic information that has brought a great deal of sustainable harm and inconvenience to me. I have not been provided with any proper documentary evidence that clarifies why this billing error was made in the first place. Whenever I received a billing statement from them, which was not considered the proper documentary evidence as requested, they still continued to collect on the account instead of stopping until the billing error was corrected. Because disclosure is required and Discover has failed to provide me with all the requirements that are included in the disclosure, I am aware that the documents they were sent are considered fraud. As a financial institution, nothing requires them to furnish my information- yet they did. I am requesting Discover send me the proper disclosures to prove that my claim isn't true, or remove these late payments from my consumer report. It is Discover 's grave responsibility to report 100 % accuracy. I am aware of the wrongful doings that have transpired and because of this- Discover has clearly violated the law. Discover has continued to extort me by inducing wrongful use of my financial reputation and their attempt to abuse. Because of this- Discover can easily be tied into a racketeering case resulting in 20 years of imprisonment.
Company Response:
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2022-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-02
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: On XX/XX/2022, Discover was notified via certified mail ( receipt attached ) of settlement in full offer for {$1000.00} for the account balance of {$4000.00}. The settlement agreement was if endorsed check was cashed/deposited ( receipt attached ), that the account would be deleted ( receipt attached ) with no derogatory items listed on the credit report. On XX/XX/2022, the endorsed check was deposited ( receipt attached ), and the account was not deleted, nor negative items removed from the credit report. On XX/XX/XXXX, the account was only updated to reflect the amount of {$1000.00} being paid toward the balance of {$4000.00} on the credit report. Discover has failed to uphold and adhere to the settlement agreement and if not updated as stated in the certified letter, suit will filed for the amount of {$1000.00} plus attorney and court fees.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2022-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-02
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I received by mail an unsolicited debit card from Discover bank. It says it is linked to my account. I do not have a Discover Bank account nor applied for one. I attempted to report the fraud, but their hold time is over 2 hours. I have my credit frozen so I am not sure how anybody was able to open an account.
Company Response:
State: CA
Zip: 95125
Submitted Via: Web
Date Sent: 2022-07-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: 1. According to Discover XXXX Bank agreement disputes between XXXX parties must be exclusively decided through XXXX ( alternative Dispute Resolution method either XXXX or XXXX ). 2.However, without any prior notice from lawyers/ legislators covered by the FDCPA, a legal action was initiated. 3. I submitted demand to compell private arbitration along with a contract outlining arbitration provision. 4. Despite my answer Discover and Debt Collectors ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ) still ignore my demand and trying to use court system as weapon. 5. Discover don't respect or follow they own contract. 6.Debt Collectors violated FDCPA ( XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX )
Company Response:
State: NJ
Zip: 07410
Submitted Via: Web
Date Sent: 2022-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A