Date Received: 2022-05-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: Theres a Discovery card that is in my name and that my parent had opened and I never knew about it but when i went to check my credit again it said the discovery account had just closed on XXXX the XXXX 2022 and about a couple of days ago when i checked my credit again it said it closed on XXXX 2022. Which means my parent constantly is opening and closing the account in my name.
Company Response:
State: TX
Zip: 76012
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with non-monetary relief
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 XXXX XXXX XXXX, 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: CA
Zip: 94803
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In the month of XXXX there were unknown inquiries on my credit report that I don't recognize I don't have the exact dates for all of them but XX/XX/XXXX, XX/XX/XXXX, I think those are two of them
Company Response:
State: NY
Zip: 14225
Submitted Via: Web
Date Sent: 2022-05-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Discover bank, let me articulate your errors and walk you through this process.. okay, you see here.. this is Discover Bank violation of Federal Law. You are reporting 120 days Late in the Month of XXXX, XXXX, XXXX of 2020 there is only 30, and 31 days of the months mentioned above which is evident and verified that Discover Bank is in violation of The Truth In Lending Act pursuant to 15 U.S. Code 1666b - Timing of payments. Discover Bank It is absolutely impossible to be Late 120 Days in a month that only has XXXX or 31 days ( Laugh Out Loud ). 15 U.S. Code 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer NOT later than 21 days before the payment due date. Discover Bank I demand you to clarify that you have complied with Federal law 15 U.S. Code 1666b ( a ) and provide me with Documentary Evidence that you are not in violation? Statements are not sufficient enough. I am demanding Discover Bank to correct all errors. You are bullying, extorting me, ruining my financial reputation the way you are furnishing my information. Pursuant to 15 U.S. Code 1681s ( B ) A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. You have no lawful authority to furnish my information, you are doing this to export me and has a federally protected consumer I have rights and you will be held accountable for your deceptive business practices!
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2022-05-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Discover Card Services closed my business account cc. They received a letter from some attorney in MI notifying them of taking control of an account. Discover closed my account in error. I contacted Discover and spent over XXXX hour trying to convince them it was someone else. My credit dropped XXXX points. They realized it was their error and opened my account. My credit was lowered XXXX points due to their error. The following week my personal Discover card was also closed. Again, my credit score was lowered an additional XXXX points. I spent another XXXX hours on the telephone trying to get some assistance. Eventually my account was opened and my credit was still affected by XXXX points. I requested from Discover a letter copying me to all 3 credit reporting agencies stating they closed my accounts in error and that my credit was in good standing. I requested a formal letter of apology from Discover for my files. I have received neither. This occurred the week of XXXX XXXX. The error on Discover 's part and not of any of my own actions has caused a serious affect on my credit score. What can be done? How can my credit score be corrected? What is Discover 's responsibility?
Company Response:
State: TX
Zip: 762XX
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: on XX/XX/2021 i called Discover Bank in order to let them know of fraudulent activity in my Credit card account. At this point they seemed to one to help me with an investigation on the fraudulent charges. I explicitly told them that i was at that point a victim of Identity Theft and I had filed an FTC report and had open a Police report as well. All this information was provided as well. Nevertheless today for the third time I am fighting to not pay {$16000.00} that I did not even spend. My card limit was {$9000.00} and the person that stole my identity and credit card digitally was able to take out that amount. In addition to this and all the information and paper trail I provided to the investigators they state i am still responsible of paying a debt that I did not accrue because i can not proof that it wasn't me that made the transactions because my identity was stolen. There were numerous bank accounts attached to my Discover account that were not even under my name and not even that is enough. They have continued to even auto-debit payments until I stopped them, its gotten to the point were i am actually struggling to get by. In multiple occasions i have also stated that while my phone was stolen I had attempts of people impersonating me with my information to open accounts over the phone in other loan companies. Discover is the only company holding me accountable of a debt done via identity theft. They have even stated they would sue me or find any means for me to pay a debt I did not make,
Company Response:
State: VA
Zip: 20171
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Complaint against Discover and XXXX XXXX XXXX, XXXX. Dear CFPB, Please find my Complaint against Discover and XXXX XXXX XXXX, XXXX. for violation of CFPB rules ; FDCPA, FCRA, RICO, Hobbs Act and other crimes. In XX/XX/2019 I replied to an offer to purchase a credit card loan with Discover. I sent my application to the address provided in the application and was confident that I received a credit card loan, account ending XXXX. I later learned that my transaction was not a loan but a payment to me for performing financial services, to wit - issue a security called Promissory Note which was used by undisclosed to me XXXX Bank in their speculative securitization scheme which would not exist without my participation as an Issuer and an Investor in this scheme. I also learned that that the process of what XXXX XXXX banks call Securitization is actually a securities scheme that extinguishes the debt account entirely. It is a business scheme that bars the counterparty customer like myself from any profit or revenue and requires them to accept, without knowledge or consent, concealed risks and losses that often do not appear until years later. XXXX XXXX convinced customers, including myself, that the substance of securitization meant the creation of a loan transaction and then the sale of that loan transaction and the financial expectancy of payment to multiple investors. But the securities brokerage firms never intended any of that. They had to be convincing or else the plan wouldnt work. The real plan called for selling the Loan over and over again by giving attributes of the transaction different names. So in the end, if they paid a commission to me {$2000.00} to me masqueraded as credit card loan, they would sell it for at least {$250000.00}. It is by suppressing the truth about the transactions that the XXXX XXXX investment banks and securities brokers make all their money. The payment to me under such circumstances was not a loan. It was partial compensation for unknowingly providing valuable financial services, without my knowledge and consent ; and accepting concealed risks and losses. To add insult to injury, I was required to pay back the partial compensation payment I received only because I was fraudulently induced to think I was entering into a loan transaction. But at the end of the day, there is no lender, no creditor, and no loan account. I got cheated out of compensation that I was entitled to receive but could not bargain for because I knew nothing about the true nature of the transaction. Neither the broker nor any investor maintains a loan account receivable. I many times asked Discover if my transaction was a subject to securitization ; demanded to validate this Debt under FDCPA ; and provide me a copy of my signed promise to pay Discover, as recorded on Discovers general lendger ( required by GAAP ) and a copy of this ledger, along with the name of the accountant or bookkeeper who is responsible for this ledger. Discover never responded to my demands for disclosures and sent me a robo-signed letter from someones XXXX company employee XXXX XXXX. ( likely a fictitious name ) who told me that Discover sent me Form 1099C ( which I never received from them ) since I purportedly owe Discover {$1600.00}, which is a lie. Only legal owner of alleged debt can file any documents with IRS claiming unpaid debt. Discover never provided ANY proof that they are owners of my alleged debt and continue to stonewall all my questions about existence and ownership of my alleged debt supported by documents. Moreover, someone acting under name of Discover hired XXXX XXXX XXXX XXXX. lawyers to file a frivolous collection case ( which is currently sitting in the XXXX XXXX XXXX ) while neither Discover or XXXX XXXX XXXX never validated this alleged debt to me. All that Discover and XXXX & XXXX sent to me are billing statements printed by some undisclosed to me XXXX company from someone's data center. Billing statements are not evidence of anyone 's debt, specially when they are coming from undisclosed sources.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: HI MY NAME IS XXXX XXXX MY DEBIT CARD WAS STOLEN AND USED TO MAKE FRAUDULENT PURCHASES, I DID NOT AUTHORIZE THE CHARGES AFTER MY DEBIT CARD WAS STOLEN, THOSE TRANSACTIONS WERE DONE FRAUDULENTLY
Company Response:
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2022-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I have sent Discover three certified letters ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all three in XXXX, attached ) that I disputed an account ( Account number XXXX, Charge-off Balance {$15000.00} ) on my credit report. I have requested an investigation of these accounts and of any proof that these accounts are mine but they have ignored my letters and phone calls. More importantly they have refuse to include a posting of a Notice of Dispute to my XXXX credit report which is a requirement that needs to be placed no later than 30 days after being notified of the dispute. As of XX/XX/XXXX that has still not been done ( see attachment ). Per the FCRA : FCRA Section 623 ( b ) ( 1 ) provides than when a furnisher receives a notice of dispute regarding the completeness or accuracy of reported information from a CRA, the furnisher must conduct a reasonable investigation and review all relevant information provided by the CRA. Duty to Provide Notice of Dispute. If a consumer disputes the completeness or accuracy of furnished information, the furnisher must provide a notice of the dispute to the CRAs when furnishing the disputed information. The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default. Timing of Notice. The financial institution must provide the notice to the customer no later than 30 days after furnishing the negative information to a CRA. Substantial Penalties for FCRA Violations Not complying with the FCRA can subject the furnisher to statutory damages of {$100.00} - {$1000.00} per violation. The FCRA states that plaintiffs can also win punitive damages and recover attorney fees, these types of violations make appealing class-action targets. Attached is my current ( XX/XX/XXXX ) XXXX credit report of the Discover account. As you can see there is no Notice of Dispute even after seven months of disputing this account to the furnisher, Discover.
Company Response:
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/21 - XX/XX/21 there was fraud charges on my Discover credit card. Large transactions from various XXXX XXXX and XXXX were made as well as smaller restaurant charges. Totaling to {$6900.00} now with added interest it is {$8900.00}. My Discover and XXXX credit cards were stolen but I only found out after 2-3 weeks after the fraud charges were made. I let Discover know right away as I caught the fraud. They issued me a new card and reassured me that I wont be charged for those transactions if they are not made by me. They did let me know they will also do an investigation regarding the dispute and that I need to file a police report as well. Which I did make. Police report is attached. After about 2-3 months Discover added that fraud charges back into my account. They said that the reason they found it to be not fraud was because the transactions were made around my home city, I shop at XXXX XXXX frequently and the person using my card made a return/exchange. I spoke to the container representative that their reasoning does not make it not fraud! I let them know I did not make those purchases and I will not be paying. I reached out to the police department regarding my case and they told me they closed the case because from their understanding Discover had already taken the fraud charges off my account. I had to explain to them that now Discover is saying from their investigation it is not fraud and the the XXXX didnt understand why when a suspect hasnt been identified. I dont understand how and why they approved all these large transactions. It does not match my spending patterns at all. Discover should have declined the transactions. My XXXX XXXX credit card was declined right away when the criminal who stole my card tried to use it.
Company Response:
State: NV
Zip: 89011
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A