Date Received: 2022-04-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with fair credit report Act XXXX Account # XXXX has violated my right. 15 USC 1681 Section 602 state I have the right to privacy 15 USC 1681 section 604 a section 2 it also stays consumer reporting agency may not trend my written instructions 15 USC 1666B A creditor may not trend my payment on a credit card account under a open end consumer credit plan as for any purpose.
Company Response:
State: VA
Zip: 23222
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Acct # 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 credit card account under a open end consumer credit plan as late for any Purpose
Company Response:
State: MI
Zip: 48236
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a discover account the reflecting 4 late payments the account is paid in full an I would like these removed so that I can have my 100 % payment history that I earned
Company Response:
State: SC
Zip: 29045
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
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: OH
Zip: 45238
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Discover Credit Card refuses to take off a product I returned XX/XX/2021 {$320.00}
Company Response:
State: NH
Zip: 035XX
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Discover Card jerks harassing me into getting a card. Already reported to the FTC. FTC does nothing about it. I told them to stop calling me. They will not. I am on the do not call list. Well, that list is just a joke.
Company Response:
State: CA
Zip: 935XX
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: XX/XX/XXXX Have a unknown card in my hard Inquires XXXX never had or received one nor signed up for one. XX/XX/XXXX Have an unknown discover bank card never had or received one nor signed up for. XX/XX/XXXX Have a unknown card in my hard Inquires discover card never had or received one nor signed up for one. XX/XX/XXXX Have a unknown card in my hard Inquires XXXX XXXX XXXX never had or received one nor signed up for one.
Company Response:
State: MN
Zip: 55117
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: XX/XX/XXXX Have a unknown card in my hard Inquires XXXX never had or received one nor signed up for one. XX/XX/XXXX Have an unknown discover bank card never had or received one nor signed up for. XX/XX/XXXX Have a unknown card in my hard Inquires discover card never had or received one nor signed up for one. XX/XX/XXXX Have a unknown card in my hard Inquires XXXX XXXX XXXX never had or received one nor signed up for one.
Company Response:
State: MN
Zip: 55117
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently checked my credit report and I seen some un authorized Inquiry on my profile. They Include Discover, XXXX, XXXX XXXX, XXXX XXXX
Company Response:
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Hi on XX/XX/2022 Discover XXXX had a glitch in their system which caused double ACH withdrawals out of some people 's accounts. This caused a scary sounding overdraft emails to go to these impacted customers, followed shortly by a scarier sounding debt letter to arrive in the mail ( i.e. your account is now in debt and we are trying to collect these funds ). Neither email or letter were true since it was an error on the Discover XXXX side but nonetheless this caused big alarm among impacted customers. CFPB should examine WHY this happened with Discover Bank and what procedures they are putting in place to ensure this does not happen again. I've never had this happen at a bank EVER so how bad is the tech stack back end at Discover XXXX for 1 ) for this to happen in the first place and not get caught 2 ) for both the scary sounding email AND scarier sounding letter to go out that made it seem the end consumer was in debt to Discover XXXX which was not true and based solely on an error they made which caused alarm amongst their customers. 3 ) No apology has been provided by Discover XXXX although their customer service reps are well aware of it when you call in.
Company Response:
State: TX
Zip: 77382
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A