Date Received: 2022-05-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit report act XXXX account # has violated violated my rights 15. U.s.c 1681 section 602A States I have the right to privacy 15. U.s.c 1681 section 602A also states a consumer reporting agency cannt furnish a account without written instructions 15u.s.c1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes
Company Response:
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2022-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit report act XXXX account # has violated violated my rights 15. U.s.c 1681 section 602A States I have the right to privacy 15. U.s.c 1681 section 602A also states a consumer reporting agency cannt furnish a account without written instructions 15u.s.c1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes
Company Response:
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2022-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
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: Hello my name is XXXX XXXX and this is my XXXX complaint towards Discover. Executive Office representative XXXX sent me an email which I never consented any contact from him and has failed to answer my response. Im aware an email sent to XXXX of the Executive Office stated Hello XXXX, Im aware that congress is really adamant about protecting consumers right to privacy. Nothing under the FCRA REQUIRES a furnisher to furnish negative information to any consumer reporting agency. The term " negative information '' means information concerning a customer 's delinquencies, late payments, insolvency, or any form of default. The term " nonpublic personal information '' means personally identifiable financial information- ( i ) provided by a consumer to a financial institution ; ( il ) resulting from any transaction with the consumer or any service performed for the consumer Im aware that Discover is only furnishing this negative information because the company 's " policy '' allows Discover to use unlawful extortionate means to coerce you to make payments on extensions of credit. Collections of extensions of credit by extortionate means is a violation of 18 USC 894 and carries a criminal liability of up to 20 years. Can you clarify the billing errors that you claim im allegedly late on? I would promptly like to receive the accounting for this. Warm Regards XXXX has failed to respond to my request and has willfully neglected to respond to my request. As a consumer if theres any billing dispute between consumer and financial institution they lose the right to collect until the billing dispute is resolved. CFPB please be aware that Discover continues to solicit and send me payment reminder emails when theres a dispute between parties. Im aware as a consumer per the IRS I can request the AUD trail and the account ledger for the this account. XXXX of the Executive Office please furnish the requested documents. You failed to correct my report and now Im asking for all verifying documentation. Im giving Discover ( 3 ) business days to send me : AUD trail Account Ledger As a reminder, since theres a dispute between parties. Discover can not collect any amount until the dispute is resolved. There must be suppression of the account until all disputes are resolved.
Company Response:
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Discover Card new in 2022 all bills paid out. In XXXX insurance on my primary home and rental came due had requested both companies for change due to XXXX premium increases. Time got short was asked to use credit card approx. amount around {$5000.00} for both was approved by Discover They would send email over limit. I called my bank was making XXXX payment to Discover which they required only {$800.00} but instead I paid out full amount. Then received email from XXXX for IRS info I call Discover about if this was a problem ok filled out IRS form Seems I didnt finish filling out so I called back a lady explained what happened the form was hard to read but we got it done. NEVER did either those whom I spoke with at Discover or XXXX inform me that my card would be discontinued. This was found out when I tried to use the card at a gas station. So I called Discover to find out what went wrong spoke to another personnel who was not very helpful so I requested the Supervisor XXXX XXXX she said that XXXX in my email that my account would be close til they finish with my investigation from the IRS. I have the email from XXXX and there is no where that it states my account would be closed and unable to use til further notice. This is not the first time a Credit Company has shut me down without any reason XXXX XXXX close my account when I had to evacuate from hurricane Ida. I'm on the Interstate with my sister whom has XXXX and XXXX and a XXXX ft travel trailer once I again has funds to get us home. I Did Not Have a problem with making payments or paying any of my bills to either of these companies and to do this kind business is unthinkable I'm XXXX yrs and care for a XXXX sister i cant even begin to express the shock and disbelief to have this unquestionable events to occur. This needs to stop they should be reprimanded. XXXX needs to be made responsible for their actions also. Let it be clear I requested to be tape in my conversations with Discover and I sent letters to XXXX and XXXX XXXX. I have now recent filed for a new credit card with my bank and have been approved. I will like to hear of a response and or any action that any occur as a result of this complaint. Regards XXXX XXXX
Company Response:
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2022-05-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-28
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Please be advised that after making an initial complaint Student Loan response is not true to the actual events that were already determent and confirmed by the Discover collecting payment department. As of today, my daughters and my livelihoods are harmed by the careless actions of the lender. Today, my daughter can not move to a different state for a job opportunity. Her application was denied because her credit score fell to lower than XXXX because of the Discover loan reporting, and so is mine, co-signer, XXXX points overnight. My lease ends next month, and I can not get another car which is the source of me producing income. At this moment, Discover student loan lender refuses to repair a harm created by them and my daughter and I both will lose our income and opportunity to live and to work. My daughter will not have a roof soon and I won't have a car. We have 30 days to fixed credit score. When we started working with the Discover collection department, they established that what my daughter ws promised was not done, and she was rightly qualified for the deferment. However, her supportive documents were never requested, and therefore, the loan let run into bad standing without our knowledge. Since we started working with the Discover bank on this issue, our online accounts vanished with all internal communication and supportive documents provided when we realized the problem. The issue of not being able to log in to both our accounts start happening at the time during the initial phone call from XXXX to collect payment. During this call, XXXX requested to upload my daughter 's NY state document, which is proof that she is eligible for the promised deferment that never took place. Supervisor XXXX promised to submit the dispute to all three credits and sad my daughter has to call him back and he will do it for her. When we did call back, we got on the line with XXXX. We requested to have XXXX on the line to continue fixing the problem. XXXX never stressed about getting XXXX and he continued with interrogation over the phone for 2 hours and then switched to the higher level supervisor XXXX who continued for another house. She is now working on this case too. We have requested the bank numerous times to pull all the calls that will prove our case and the harm that was done to us. Documents attached. However, there is no communication notation or accountability for promises from any parties that we spend hours over the phone with. I called Discover Student loan today to unlock my account. They are saying I do not have an account with them and must register as a new signer to get access to my loan. So it's my daughter. I explained that since XXXX, we both have active accounts and we must have access because all the communication with their bank that has happened over the private online messages needs to be recorded as a supporting document to our case. At this time, I request Consumer Financial Protection Bureau to protect my daughters and my opportunity to live and work and stop Discover student loan bank from damaging our lives unfairly and unlawfully and open an investigation and Enforcement actions to stop the harm.
Company Response:
State: NV
Zip: 89012
Submitted Via: Web
Date Sent: 2022-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
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: " I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. "
Company Response:
State: NY
Zip: 13088
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Discover Bank Someone opened an account under my name XX/XX/2022 spoke with Discover Fraud department and they froze everything and are investigating
Company Response:
State: MO
Zip: 636XX
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I was accepted into XXXX 's Accelerated XXXX Program and the first semester was to begin on XX/XX/2022. To pay for the program, I had taken out a student loan through Discover in the amount of {$26000.00}. On XX/XX/2022 I withdrew from XXXX XXXX University XXXX XXXX XXXX XXXX. I withdrew within their specified time frame to receive a 100 % refund. I instructed XXXX to send the money back to Discover so that my loan could be cancelled. I have made numerous documented phone calls and emails to both the school and the lender, only to have to reexplain the situation to each new representative. XXXX claims a refund was mailed out on XX/XX/XXXX which was cashed by Discover. XXXX has provided a check number, but Discover has refused to cash the check. Discover claims that they sent the funds back to XXXX because it was a collective refund sent to them without a student roster. XXXX has yet to send another check to Discover. It has been 4 months, and the loan has yet to be refunded. It is collecting interest daily which Discover has led me to believe I am responsible for.
Company Response:
State: NY
Zip: 11757
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Dated on XX/XX/2022, I, XXXX XXXX, an federally protected consumer, will like to bring more clarity and to the attention to Discover Bank of the harm and extortion of extension of credit means by Discover Bank furnishing my non-public personal information and by it not being a Requirement youre doing this without my lawful authority As it mean to bring some statue harm to my financial reputation attempting to extort me by furnishing this information to the Consumer Reporting Agencies this now falls under 18 U.S. Code 894 - Collection of extensions of credit by extortionate means. Im fully aware The financial institution Discover Bank has failed to comply with The GrammLeachBliley Act and did not provide their customer, consumer with the appropriate forms and options to opt-out of furnishing my non-public personal information to 3rd parties according to The GrammLeachBliley Act. Discover Bank can be fined up to {$100000.00} ( Per violation ) according to The GrammLeachBliley Act. Im demanding Discover Bank to cease and desist the status of Charge-off and update to Paid As Agreed to all Credit Reporting Agencies and remove all negative information. I am aware of what a Charge-off is and what a Write-off is and Im aware of what a Finance Charge is. Discover Bank you will be double dipping if you continue to attempt to collect the alleged debt from me. ( Notice ) I refuse to pay the alleged debt. Im aware Discover Bank is not complying with the law and it will be very deceptive of Discover Bank if you continues to furnish my non-public personal information the way you are and you face serious violations and penalties. See 18 U.S. Code 894 ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish ANY person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. Discover Bank you are facing serious penalties with your deceptive business practices and all legal actions necessary will be taken if you do not comply and correct all your errors. Thanks in advance for your timely cooperation. Best regards! XXXX XXXX, federally protected consumer!
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2022-05-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: So my problem is with Discover Credit Card XXXX. I really feel like they're intentionally trying to get my application declined and i feel like its because of my race. My credit score is well over the required score and still they are giving me the complete run around. They are intentionally trying to drop my credit score y giving me a bogus excuse as to why i have to give them a call back, but every time i call back they are giving me a hard inquiry on my XXXX. The excuse is my phone number hasnt been updated with experian. I updated my phone number with experian the first day i was notified by discover that it needed to be updated. i received an email from XXXX the same day stating my personal info was updated, but yet discover keeps giving me the excuse that my phone number hasnt been updated. Now when i call they give me the excuse that their system is updating and to call back in 48 hours. But they only tell me this AFTER theyve pulled a hard inquiry. So what they're doing is they're deliberately trying to keep giving me hard inquiries until my score no longer qualifies me for a line of credit so they can decline my application. This is not fair and i feel like its definitely XXXX. So many of our financial instituations are declining minorities for lines of credit during these times and its unconstitutional. Something has to be done about this immediately. I know im not the only one experiencing this type of discrimination.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A