Date Received: 2022-05-26
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Our issue is with Discover Student Loans. My son recently graduated from XXXX XXXX XXXX XXXX He has 8 private loans with Discover with a variety of interest rates from 6.8 % to as high as 9.8 %. We were told when we started that at the end all deferred loans would be able to be consolidated under one loan and one low interest rate. After 1 employer only he has two jobs not taken into consideration the fact we were told my son had to apply for a consolidation on his own without a cosigner. He was immediately declined reason unknown. The application asked for name address phone number employer SS #. Submit declined we have $ XXXX to put done that was not considered his XXXX credit rating is XXXX not taken into consideration. We have contacted them several times with our financial advisor on the phone with us all calls were recorded. Each time we got a different story. Per my financial advisor he states they are being discriminatory. They have no under writer. They will, however, take my money and reconsider after the fact. The said until such time my son qualifies as a primary again with no consigner, they will not consolidate the loan and we have to pay the face value of multiple loans at a higher interest rate no exceptions.
Company Response:
State: PA
Zip: 17055
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX Account # 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 agency can not furnish a account without my written instructions 15 U.S.C 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: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Someone or some entity has opened an account under fraud and I am a victim of identity theft using the name XXXX XXXX which is a public transmitting utility name as per the territorial/ municipal government incorporated.They have committed copyright infringement along with trademark fraud on my signature/name. Enclosed is my fee schedule and
Company Response:
State: LA
Zip: 70458
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: DISCOVER FINANCIAL violated my federally protected consumer rights under 15 USC Chapter 41. On XX/XX/22, I sent a Validation of Debt Letter to DISCOVER FINANCIAL via certified mail with a return slip. DISCOVER FINANCIAL received the letter on XX/XX/22 per the date that was written on the return slip. DISCOVER FINANCIAL had 10 days from receipt of receiving the letter to respond validating the alleged debt via a commercial affidavit under penalty and perjury and failed to do so. They responded with a letter on XX/XX/22 [ Exhibit I ] which is way past the date to respond by and responded that was not in the form of a commercial affidavit. It also did not clearly and explicitly state any of the demands to lawfully validate the debt that were laid out in the letter. On XX/XX/22 I also sent a Cease and Desist Letter to DISCOVER FINANCIAL via certified mail with a return slip. DISCOVER FINANCIAL received the letter also on XX/XX/22 per the date written on the return slip. DISCOVER FINANCIAL had 15 days to respond to and operate within the cease and desist orders. DISCOVER FINANCIAL continued to send mail and emails that breached the cease and desist orders. I sent a sworn and notarized Affidavit of Truth to DISCOVER FINANCIAL with an invoice in the amount of {$24000.00} to DISCOVER FINANCIAL via certified mail with a return slip on XX/XX/22. DISCOVER FINANCIAL received the sworn and notarized Affidavit of Truth on XX/XX/22 per the date written on the return slip. DISCOVER FINANCIAL had 10 days from receipt of receiving the affidavit to respond rebutting point-by-point via another sworn and notarized affidavit. DISCOVER FINANCIAL failed to do so. Pursuant to the laws of Commerce, an un-rebutted affidavit stands as truth and DISCOVER FINANCIAL consents to all judgements made, was to delete all records of the account in question and is liable to compensate me for the amount stated on the invoice. DISCOVER FINANCIAL failed to do ANY of that, in fact has not responded at all, and still sends me statements of the alleged debt. I sent a Notice of Fault and Opportunity to Cure Letter via certified mail with a return slip on XX/XX/22 to give DISCOVER FINANCIAL the opportunity to cure their current faults. DISCOVER FINANCIAL received the letter on XX/XX/22 per the date written on the return slip. DISCOVER FINANCIAL had 10 days from receipt to cure their faults by validating the alleged debt via a commercial affidavit and rebutting the sworn and notarized Affidavit of Truth point-by-point via another affidavit. DISCOVER FINANCIAL failed to so [ Exhibit M ]. DISCOVER FINANCIAL 's failure to cure their faults places them in DEFAULT and means that DISCOVER FINANCIAL willfully and knowingly violating my federally protected consumer rights under 15 USC Chapter 41. DISCOVER FINANCIAL is liable to compensate me for all violations per the invoice received on XX/XX/22 as well as any accumulated additional violations. This amount is stated in the Bill of Particulars attached for the amount of {$30000.00}. As of today, the account in question is still open, reporting delinquent and DISCOVER FINANCIAL continues to attempt to collect the alleged debt unlawfully. I have done everything needed to exercise my federally protected rights under 15 USC Chapter 41 and DISCOVER FINANCIAL continues to violate me. If DISCOVER FINANCIAL continues to violate me, I will have no choice but to file a Certificate of Dishonor and Non-Compliance and file a default judgment with the Federal District Court Clerk.
Company Response:
State: AZ
Zip: 85259
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.
Company Response:
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX XXXX XXXXXXXX last reported on XX/XX/XXXX {$2000.00} XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX - opened XX/XX/XXXX $ XXXX reported it to the credit burrows as fraud XXXX XXXX - last reported on apr XXXX {$450.00} opened XX/XX/XXXX i opened the card but the card was stolen didnt notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud. Discover Bank XXXX XXXX, XXXX {$7100.00} XX/XX/XXXX opened this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX {$7100.00} XX/XX/XXXX opened XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX " XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$550.00} opened XX/XX/XXXX this account i never opened and i called up the credit burrow, and XXXX and asked them to take it off and told and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX " XXXX XXXX XXXX last reported XX/XX/XXXX {$410.00} opened XX/XX/XXXX i opened the card but the card was stolen didn't notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud.
Company Response:
State: NY
Zip: 11223
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My husband has a credit of {$480.00} on his Discover Card. He has requested his money several times by phone and email but they refuse to send him a check.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2022, I am selling a TV ( priced at {$150.00} ) on XXXX. One user ( account name : XXXX XXXX XXXX ) contacted me and offered to pay {$150.00} directly through XXXX. I got an email from a fake XXXX email ( XXXX ), saying the {$150.00} credit won't be available until that user sent another {$100.00} to me. They said they did it and asked me for a refund. Unknowing it is a fake XXXX email, I refunded the {$100.00}. But I got another email from the fake XXXX email asking for another {$100.00} because of the XXXX processing issues. So, I sent them {$100.00} again. I checked XXXX 's website, which explicitly said they will not refund me because I authorized the payment even if I am tricked. I immediately called my bank- Discover Bank- who also says they won't refund me because I authorized it.
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a Debit/credit card from Discover XXXX XXXX bank. I dont have an account with Discover. When I called Discover bank, they informed me an account had been opened within the past month. A change of address was requested as well. They had my DOB, social security number and mothers Madein name. They had processed my change of address. The account was closed and flagged as fraud. I received letters from XXXX XXXX XXXX XXXX as week as from XXXX XXXX that attempts were made to open on line accounts in my name.
Company Response:
State: NY
Zip: 11040
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Discovery Bank claims that I owe {$830.00}. I've asked Discovery to send me the original contract for this account. They can not provide any documentation with signatures. They are claiming this debt is mine through a history of transactions. They have not properly investigated this account. In addition, they written this debt off and claim that I owe a debt they've falsly attached to my name. Please provide my signature to this debt or DELETE IT! This is abuse of power and this federal violations has hurt my ability to obtain credit.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A