Date Received: 2022-06-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Was hired by a company which I have all the records had a web page I checked everything was told was on 2 week period fot employment was to buy products send to another company in XXXX. I did they send me packingings slips they paid off 4 of my credit cards to use and there bank account to pay off once they recieved there goods about in 2 weeks they reversed the payments from the bank on my cards and now the cards are coming after me. I have called them many times with no luck it comes to almost XXXX the cards are XXXXXXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX I will attached all the paper work below, I have filed a police report FDIC It is ruining my credit because I refuse to pay. Thank you
Company Response:
State: NJ
Zip: 07724
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-19
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Discover closed my banking account on XXXX XX/XX/2022 with no other details than " due to a business decision. '' They refused to offer me further information when asked. This came after freezing my account on XX/XX/2022. This required me to stay on hold for over 14 cumulative hours to even talk to a security representative as they had no means of other contact and had high volume supposedly for " fraud attacks. '' Calls were frequently dropped on their end after being on hold for XXXX minutes at a time. My account was in good standing with a maintained balance and no overdrafts, fines, etc. I had recently made a deposit of {$16000.00} from a check that was a gift from my mother.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2022-06-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Discover bank never provide any proof transactions which one made not buy me Discover don't know how to investigate and proof the transaction is mine I explain to them but they just ignoring me and they just put it fraudulent transactions back to my account
Company Response:
State: CA
Zip: 91206
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Discover Bank, Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation. And if that wasn't enough, the provisions include criminal penalties of up to five years in prison, and the revocation of licenses.
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: on XX/XX/XXXX I opened up a market savings account I opened it cause of the good apy that was offered anyways XX/XX/XXXX deposited {$100.00} XX/XX/XXXX deposited {$7500.00} and XX/XX/XXXX deposited {$150.00} I have a total of {$7700.00} that discover is trying to steal from me they frozen my account on XX/XX/XXXX I have been trying to call them without no success I have been trying for over 4 days now I get put on hold for 3-4 hours and then they hang up on me All my money is in that account and I couldnt even have access to my money I had no way to pay for rent or buy groceries I also have XXXX and couldnt even get my medication this has put a big hazard in my health and life so I had to get a {$3000.00} Loan just so I can keep a roof over my head and medication that is over {$700.00} something needs to be done about discover they have taken money from others as well I also had to sell some of my things in order to finish paying off my bills I have all proof of shut off notices and deposits into the account this bank is the worse
Company Response:
State: NM
Zip: 87505
Submitted Via: Web
Date Sent: 2022-06-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have never applied for a credit card from Discover, but I received one last Saturday ( XX/XX/11 ). I have called Discover about this, and they confirmed this was fraudulent activity. Discover told me that they will look into this but did not take any action, and they did not update me with details.
Company Response:
State: OR
Zip: 97229
Submitted Via: Web
Date Sent: 2022-06-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX accordance with the fair credit Reporting act DISCOVER BANK ACCOUNT NUMBER 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 a 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: 30094
Submitted Via: Web
Date Sent: 2022-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I the consumer checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that this unauthorized inquiry was made : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX NJ XXXX Inaccurate information reported DISCOVER FINANCIAL SER Inquired on XXXX XXXX, XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXXXXXX XXXX DE XXXX Inaccurate information reported XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Inaccurate information reported XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inaccurate information reported I the consumer contacted XXXX XXXX, XXXX XXXX XXXX, Discover Financial and XXXX XXXX Card who were the ones who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I the consumer also asked them to stop their illegal activities according to 15 USC 1681b 604 ( 2 ) immediately, but there has been no change and no response from their office. Since I the consumer sent these letters more than 30 business days ago, they have not responded and they failed to honor my request. The inaccurate information being illegally reported has unfortunately caused me harm. I the consumer wasnt able to obtain credit, housing, or employment and my ability to obtain insurance because of this inaccurate and unverifiable information is being reported on my consumer report. I the consumer did not apply for this and had the ( credit bureau ) been in compliance with the FCRA 604 15 USC section 1681b and 15 USC 1681A ( 1 ) as well as 15 USC 1681A ( 4 ) of the FCRA fairness, respect for consumer rights, impartiality and my right to privacy as the consumer would not have been violated. The banking system, being dependent on accurate credit reporting which is an essential part of the bank 's function as well as the publics confidence would not have been violated. It is your duty as a consumer reporting agency to report accurate information which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevance, and proper utilization of such information in accordance with the requirements of the FCRA 15USC 1681B. I the consumer would appreciate your help in resolving this matter and removing this inaccurate information within 15 days required by the law. Please never ever report this inaccurate information on my report ever again. Thank you for your help and assistance. Sincerely, XXXX XXXX ____________________________ XXXX XXXX
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-07-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My checking account has been blocked on Monday ( XXXX ). No reason provided. In the email, I had a phone number to contact. I tried to contact them by this number more than 6 times. In sum, I spent more than 15 hours on this line including XXXX time when I was on the line almost 6 hours. Also, I tried to contact them by chat and the main phone line. The representatives said that they can't help. I still don't have access to my account and money on this account. I used their checking account as the main one so it has my salary.
Company Response:
State: CA
Zip: 95051
Submitted Via: Web
Date Sent: 2022-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-19
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I have a credit score over 820 and have been with Discover since XXXX I contacted discover Bank early in the morning to ask questions about their checking and savings promotion. An agent confirmed that I had never had a discover Bank account, she did notice my discover credit card and discover XXXX XXXX account. She noticed that the address on file was incorrect and asked me if she could update it. She then repeated the address correctly back to me reflecting my XXXX address. Later in the day I applied for the savings account online myself with promo code XXXX, and a request to find the account with {$25000.00}. The application was denied. I called into customer service ( XXXX XXXX in XXXX ) that was told my address was wrong, and I would have to submit an entirely new application. I thought this was completely ridiculous however supervisor XXXX ( rep ID XXXX ) assured me that the original application was cancelled and that we should try again after update my address apartment to the second line on my credit card file. I update this. I AGAIN submitted an online application for the savings account with funding deposit if {$25000.00} and promo code XXXX. This was again, denied. XXXX suggested that we try an application over the phone with her. She submitted a 3rd application with the same promo code, XXXX, and a third time it was denied. XXXX also mentioned that the rep form the morning did NOT update my address as she had indicated she had. I have spent more than 2 hours in the phone with Discover, and I still do not have an account or a solid reason as to why my application is being denied.
Company Response:
State: WA
Zip: 98004
Submitted Via: Web
Date Sent: 2022-06-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A