Date Received: 2022-05-03
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 an 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. Also I did not receive a Model B-1 or B-2 notice. 623 ( a ) ( 7 ) 15 U.S.C. 1681 621 15 U.S.C. 1681
Company Response:
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: someone has a credit card under my name I am the victim of identity theft I have not authorized this card and I did not sign any paperwork to authorize this card! under the FCRA you must close and delete this from my credit report immediately and for good I have enclosed a letter and i will be filing a lawsuit against discover card for allowing this to get this far!!!
Company Response:
State: NY
Zip: 10473
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX is reporting on my credit report false information i have sent them letters and they keep putting it back on my report the are in violation of the FCRA!!! i only have a car on my report nothing more!! i want to discover card deleted permanently!!!!!!! i will not rest i also want to sue them for violation of the FCRA!!! delete now!!!!
Company Response:
State: NY
Zip: 10473
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hello, I was checking my credit score I had seen it went down. I seen 2 new credit inquiries with 2 different finance company/bank, XXXX XXXX and XXXX. I never opened an account with them the only account I have is with XXXX XXXX And they already spent money on the credit cards and I personally do not want to pay that back because its not me. Also, an account was opened with XXXX XXXX also which was not me. I want these accounts closed and I want this to stop from now on.
Company Response:
State: FL
Zip: 33463
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
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 number 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 instruction. 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: FL
Zip: 33442
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX Discover Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Hello XXXX please provide me with the debt validation that includes the original contract. I have yet to receive any form of the original contract. Per XXXXXXXX XXXX XXXXXXXX you have willfully and non-negligently complying with the federal law by reporting inaccurate and invalidated information. Per XXXX XXXX XXXXXXXX ( f ) this is an act of unfair and deceptive practices by failing to provide and honor my demand. You have 30 days to respond to this issue. It has surpassed XXXX days and I still have yet to receive proper validation of this debt. Please provide me with the XXXX XXXX XXXX insurance number to proceed with this litigation process. I demand immediate deletion of this account. Discover Bank XXXX This account is inaccurate
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX, I received a letter from Discover for my account being closed for any of these XXXX reasons per the companies letter. Your discover card account has been inactive for XXXX months or longer and/or account has been closed. I called customer service about XXXX weeks ago they were basing everything around XXXX. When the last purchase I did was in XX/XX/XXXX. About less than XXXX months the account was closed due to inactivity. Today I reached out to their account review department, where they state that after XXXX months of inactivity they can close the accounts. Issue with this, hits my credit for no reason and I never received a warning my account would be closed due to inactivity. Tried talking to XXXX at the Account XXXX department to try to get my original credit line to just getting the same speech of the account being closed after XXXX months even though their letter to me stated XXXX months or longer. I tried applying to get a new credit card but the limit is only XXXX when I originally had {$8500.00}. I cant get an increase because of insufficient experience with current discover credit limit. This is based on the {$3000.00} credit card, not on my previous experience with them.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 U.S.C. 1681b - U.S. Code - Unannotated Title 15. Commerce and Trade 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe -- The accounts below hould not be reporting on my credit reports by law : XXXX ( Account numberXXXX ) opened XX/XX/2019 DISCOVER BANK ( Account number-XXXX ) opened XX/XX/2019 XXXX
Company Response:
State: FL
Zip: 32303
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hey I have the XXXX app downloaded on my phone with all three bureaus as a subscription. I got alerted Thursday XX/XX/XXXX about an inquiry, honestly didn't pay much attention to it being that I refinanced my house few weeks ago so I was thinking it was from that maybe, then Friday XX/XX/XXXX I got 1-2 more inquires and said let me check and I seen that XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX all pulled my credit. I called each one, and there was 2 accounts opened that day with approved credit cards and the other banks didn't approve the cards, so I instantly canceled the cards and they told me each to fill out this report. So reaching out to you all, to say those aren't my charges, I didn't authorize that. If you look into my account outside of my home mortgage I never ran hard inquires random like that.
Company Response:
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: After being a customer with Discover they closed my account after 11-12 years. I recently purchased a home where the lender had the closing attorney write a check to various credit cards that had small balances. Myself or the attorney made the error in selecting the box to close the account instead of it remaining open. I was able to keep all the other 4 accounts open by making a call and explaining the matter. Discover on the other hand said they were unable to reopen the account once closed. I even had a letter drawn up from the closing attorney explaining that the incorrect box was checked and was not required for the account to be closed by the loan. Due to the length of the account on my history, this account being closed with hurt my credit. I want to do all I can to dispute this in order for this account to remain open so I can continue building good to great credit history. If there's anyway that Discover can reverse this accidental matter and keep this account open this would be not only hugely appreciated but will help for further investment purchases as well. Thank you for your time in reading and ultimately resolving this matter.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A