Date Received: 2022-05-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I applied for a Discover credit card that was not supposed to effect my credit score. But I have lost a point on my score
Company Response:
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2022-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-15
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They call my parents house repeatedly, all day despite them not being associative with the account in any way.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2022-05-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-14
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In XXXX of 2021 I sent DISCOVER an Affidavit regarding a billing error notice pursuant to 12 CFR 1026.13 and the affidavit was unrebutted. An unrebutted affidavit stands as truth in commerce. Following this DISCOVER took adverse action against me by lowering my credit limit and closing my account with no explanation. According to 15 U.S. Code 1681m - Requirements on users of consumer reports ; they are suppose to provide full disclosure of this action. Prior to closing my account DISCOVER refused to credit my account when full payment was sent by accepting the coupon for value that was attached to the statement, they failed to honor the remittance coupon and failed to dishonor the coupon. Since closing my account DISCOVER has continued to charge interest fees and has also continued to withdraw payments from my bank account. This is a very serious matter and if not resolved will result in further escalation to the FTC and State Attorney General. I was never given full disclosure regarding this extension of my consumer credit and was lead to believe that I owed payment and once I asserted my rights as a consumer DISCOVER retaliated against me by closing my account. Furthermore HJR-192 prohibits payment of debt and substitutes, in it's place, a discharge of an obligation.
Company Response:
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2022-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, Discover Bank 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: MD
Zip: 21044
Submitted Via: Web
Date Sent: 2022-05-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-14
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Hello, as I continue to research my rights, I find Ive been exploited and taken advantage of by various companies. The company I am seeking relief from is Discover Bank. I opened a secured credit card XX/XX/21 with this company. A secured credit card is permissible by me providing the amount of credit allotted to me. I had supplied the {$500.00} for the {$500.00} line of credit I received. Long story short, I came upon financial hardship especially due to COVID 19 and how it affected my working hours. I missed some payments and Discover Bank closed my account due to this XX/XX/21 and also is attempting to collect {$670.00} from me per my consumer report which may be false as I havent received any statement from Discover Bank. All in all, how am I being charged anything when I gave the initial {$500.00} of credit in addition to my open end credit card aka my social security number. This company has received their payment and they are trying to take advantage of me and get more payment for money theyve already received. Also closing my account due to me having difficulty paying on the account due to COVID 19 and negatively impacting my credit score when again this company is not in any deficit with my account. This is not right and now I am seeking a just remedy to this issue.
Company Response:
State: CT
Zip: 06051
Submitted Via: Web
Date Sent: 2022-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Paid balance in full according to company I paid afrer being theatened to be sued. Shows on credit report as settled for less than amount owed. They will not correct this.
Company Response:
State: KY
Zip: 40511
Submitted Via: Web
Date Sent: 2022-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-14
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I had a Discover XXXX checking account for 2 years. All of sudden my account was closed without any explanation. I have a balance of over {$10000.00} which they stated they could issue a check for in 60-90 days. Ive tried to resolve the issue by offering to provide any information but its been unsuccessful. They are making feel like I did something wrong when I havent.
Company Response:
State: UT
Zip: 84120
Submitted Via: Web
Date Sent: 2022-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX I paid discover {$300.00} and they accepted it from my XXXX bank account which reflected by them reducing the month of XXXX down to {$140.00}. Now when I am looking ; the payment increased as well as the amount I still owe on the card is the same and never decreased by {$300.00}. I called them numerous times trying to work out the lower payment which they refused to do without giving me any answers. They took my {$300.00} and never reflected that on my credit report. All I want it to be reduced down to {$140.00} for XX/XX/2022 and my credit report to reflect this.
Company Response:
State: PA
Zip: 15237
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have paid the company on several occurrences where they did not apply the money to my credit card account. On their end, they claimed the money was not in my account but my bank account shows that the money was gone. Also on their end, it shows the payment went through. They claimed they had to charge me extra fees because of this. When I continue to try to solve the issue, they send me to another representative instead of trying to help me. These instances occurred on : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 in the amounts of ( consecutively with the dates listed above ) {$100.00} {$22.00} {$20.00} {$25.00} {$26.00}
Company Response:
State: GA
Zip: 30310
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: 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 Pulled credit fraudulently without my concent or whereabouts, i reached out to the following companies several times with no resolution.
Company Response:
State: GA
Zip: 30157
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A