Date Received: 2022-05-05
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. Additionally, there is discrepancies on the late payment dates and the dates shown on my credit report. 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 a account without my 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: NY
Zip: 11369
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I just received a receipt notification from XXXX XXXX that a Discover purchase was made. I do NOT have discover card. Someone open an account under my information i don't know how many accounts were opened under my name.
Company Response:
State: CA
Zip: 95632
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
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 right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 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: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Hi, I have a discover delinquency posting on my account due to an issue with discover on their end with autopay during the pandemic in the year of 2020. I did not receive notice of this and never disabled my autopay in which there should have been no issue with me making my payments on time. In my previous dispute under case # XXXX it was stated that the payments were not successfully posted to my account. I can and have provided discover bank statements proving that the balance I had in the account at the time was more than enough to cover the minimum payments at the least from XXXX to XXXX and no one contacted me concerning this issue on the behalf of discover.
Company Response:
State: IL
Zip: 628XX
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I get a c collection call from discover card and I have never split for a credit car with them, then I check my credit report and filing out that I have XXXX credit cards open on my name 1with discover card, one with XXXXl XXXX, and one with cXXXX XXXXXXXX XXXX and I never applied for credit with those credit companys and now I am in collections and my credit score is in the worst situation
Company Response:
State: TX
Zip: 78201
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received an offer in the mail from discover for a credit card that included an intro APR of 0 % for the first 6 months. After I applied, they said they would be able to offer me all of the same terms for the credit card, with the exception of the 0 % intro APR. I called Discover to find out why this happened, after transferring me to 3 different departments, they claim that a few issues with my credit is why they weren't able to approve my original offer. This does not make sense to me as every other term remained the same, even the credit line amount.
Company Response:
State: MA
Zip: 01830
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I was sent several invitation letters by Discover Credit Card. Each time I have applied I was denied. This has resulted in several hard pulls. I would like the following removed. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Company Response:
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
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 right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 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 purpose.
Company Response:
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I reached out to the creditor multiple times and never received a response regarding the debt being reported by them on my credit report. The credit bureaus have validated the debt but no one is providing me the debt validation
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was using XXXX XXXX and a buyer wanted to buy my computer which I listed as {$1100.00} and said they would send the money through XXXX and wanted my name and email and I got a email from XXXX stating that I have reached my receiving limit and I needed to pay {$500.00} to make my account a business account so I did and got another email saying that the buyersent over {$500.00} on accident and I had to pay it back so I did and got scammed off of {$1000.00}
Company Response:
State: NC
Zip: 28147
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A