Date Received: 2022-05-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # 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 an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Company Response:
State: RI
Zip: 02904
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: XXXX I realize I never received my Discover Card statement, which i normally get my statement by mail around the XXXX of the month. I called Discover and they claimed I opted in for paperless statement which was a lie. Discover claimed they would take care of it. On XXXX XXXX I finally received my statement from Discover, which made my account late. I have been with Discover Card since XXXX and have never missed a payment nor been late. I wrote a check for the full amount of {$550.00} then went to the post office and mailed my payment. Discover claimed they didn't receive my payment until XXXX XXXX. For my XXXX statement I received a statement stating I owe {$1000.00} which was a lie. My total owe for XXXX was {$660.00} which I paid in full on XXXX XXXX. Discover claim I never paid my XXXX payment of {$550.00} which was a lie. I have my statement showing that my bill is paid and my statement from my checking account stating it was paid. Discover is claiming I owe {$450.00} plus late charges that I refuse to pay. Discover can not show me where I missed any payments or made any charges. I have talk to numerous customer service representatives, I have yet not received one phone call from supervisor like I asked several times. I am still getting the run around today. I even ask Discover if I owe this amount, show me what I owe, and explain to me what I owe, which they have not done to this day. I have always paid every bill I have made on time and paid in full, so why wouldn't I not pay my bills now. I am a XXXX XXXX XXXX elderly man who is being taking advantages of and I need help to solve this matter.
Company Response:
State: OH
Zip: 45224
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Discover accidentally generated a XXXX $ recurring monthly charge to my account. By the time they caught up to it, XXXX $!? I kept phoning in and finally got it fixed. Recently somebody went behind me and RE OPENED the issue referring it to collections and destroying my credit score. My credit should be clear. I was hoping I could get some assistance or a referral to someone who can fix this problem once and for all. XXXX
Company Response:
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have two inquiries on my credit that is not something i did someone is using my information. One of the inquiries is from XXXX XXXX XXXX and the other is from Discover Financial.
Company Response:
State: FL
Zip: 33040
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Discover Card was paid in full and then an interest rate popped up on a card with {$0.00} that was paid off. The company never alerted me of this or sent me a statement to alert me a payment was due. The account became delinquent and when i saw that, i immediately fixed the issue and paid the card.
Company Response:
State: NJ
Zip: 08844
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear Discover Bank Pursuant to The Gramm-Leach-Bliley Act ( GLB Act or GLBA ) is also known as the Financial Modernization Act of XXXX. You are in direct violation of my consumer rights. Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. I XXXX XXXX the consumer never gave Discover Bank any written, oral, air any other means of correspondence that they could share my personal information with any third parties. You have shared my personal private information including my name, social security number, address, phone number, account number and other personal information with several third party companies. Financial institutions found in violation face fines of {$100000.00} for each violation. XXXX, XXXX, XXXX are all third party non-governmental for profit companies. Please have my information removed immediately from their records and any other third parties in which you have provided my private personal information. You are also in violation of United States Privacy Act, as I gave you no consent to share any of my private information with these companies. They are not backed by, bonded or have any affiliation with any government agencies. All Rights Reserved Without Prejudice U.C.C 1-308, Notice To Agent notice knowledge U.C.C. 1-202
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am making this complaint due to the false claims and deceptive statements made by XXXX the Executive Office of Customer Advocacy of Discover. I am also making this complaint due to inaccurate credit reporting.
Company Response:
State: GA
Zip: 30342
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
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 USC 1681 Section 602 States I have the rights to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without 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: MS
Zip: 39206
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
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: I initiated a cash transfer to my XXXX XXXX XXXX XXXX ( XXXX ) Visa Account for {$8200.00} on XXXX XXXX from my Discover Credit Card. XXXX had not received the payment as XX/XX/2022, and the balance of {$8200.00} was showing on both cards. I called Discover and XXXX in a XXXX way call. XXXX asked Discover to provide them with a trace ID as this was an electronic payment from Discover to XXXX. Discover was unable to provide me or XXXX with any proof of payment. Discover failed to connect me with a supervisor who could resolve the problem. Discover refused to remove the disputed charge from my credit card so I am now paying interest on both Discover and XXXX for this charge. It also affects my credit score. The Discover case number is XXXX.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Back in XXXX XXXX XXXX I received a notice from Discover Card indicating I had missed my past two payments and my account was delinquent. My account has been set up on auto-pay since its inception so as to never miss a payment. I contacted Discover customer support and inquired as to why my auto-payments were not being made. The account they were drawn on had sufficient funds and no reason for the payments to have not been made. I was advised their system had unsubscribed me from the auto-pay. Customer service could not provide an explanation as to why it was unsubscribed, but was not done at the cardholder 's request. I provided them with a payment to cover the delinquency. Auto-pay was re-configured and payments have been made via auto-pay on-time ever since. Discover agreed to reverse any late fees and remove the " late '' flags from my account and credit report. The late fees were waived for those two months, but they have never followed through to remove the credit hits for the late payment 30 days past due. I've further disputed this through the credit agencies without success and have spent considerable time and effort trying to get this resolved. This continues to be a factor in my credit history and needs to be completed. If you need any further documentation/explanation, please let me know. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Company Response:
State: CA
Zip: 91945
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A