Date Received: 2022-04-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I wrote to Discover Financial Services on XX/XX/XXXX via certified mail, after noticing that they were reporting details about my account that are not permitted under the law. 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s 3 of this title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. Rather than complying with the law, and without warning, Discover Financial Services decided to close my account in a letter dated XX/XX/XXXX. This adverse action is a violation of the Equal Credit Opportunity Act. Notably, discrimination based on " The applicant 's exercise in good faith, of any right under the Consumer Credit Protection Act.
Company Response:
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: unauthorized hard inquries
Company Response:
State: GA
Zip: 30458
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In XX/XX/2022, someone did obtain my credit report from XXXX without my consent ( fraudulent ). They also tried to get XXXX different credit cards fraudulently. This was done online. I believe that I know who did this. I need the XXXX address for the perpetrator so that I can get them out of my life... I just need proof. If you can't provide the XXXX address, at least tell me the city and state of the XXXX address. Pretty simple request .... don't protect the criminal, protect me instead.
Company Response:
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Discover Credit Card company allowed someone to open a credit card account with my name and address without proper identification and verification. The account is listed as charged off on my credit report in which I never opened an account with Discover and my credit score never met the their credit card requirements. I faxed and forwarded my signature and letter which was also notarized by a Certified Notary Public to provide proof that the charged off account is not mine.
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: im behind on my discover card because they are trying to charge me XXXX after I paid everything off and im not paying them again. so its past do everyday at XXXX they call ive blocked one number that called me 4 times a day and they started calling me from another numbe and its every day so far I have it blocked too. automated voice mails. ive already tried fixing this with them and they refuse so I dont answer and im not paying there corruption on trying to get me to pay another payment after I paid everything off
Company Response:
State: CO
Zip: 80916
Submitted Via: Web
Date Sent: 2022-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a Discover card that I do not use any more and do not get statements to this card either. My doctor accidentally processed my session on XX/XX/2022 using the incorrect card on file which I was not expecting. I even double checked with my doctor to make sure they used to right CC on file, that CC bill is set up for auto pay and paid in full every month. I got an email from Discover saying my payment was late so I paid my balance from the doctor and asked for the late fee to be removed due to the error. They would not remove the 2 fees on the account and said I will continue to accrue interest and late fees until the balance is paid. I closed my account and asked if they could please remove the {$80.00} in fees- as a single mom with XXXX kids, this was not possible for me to budget and I have a long credit history that is great with them. I called them today XX/XX/2022. I would like my balance brought to zero because it is just late fees and it will continue to grow every month unless I can get it stopped where it is and then be able to pay it off. Please tell me what my options are to get help. Thank you,
Company Response:
State: TX
Zip: 78748
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: At the beginning of 2021 I made an agreement with discovery to settle a debt around XXXX. the settlement offered was a reduction to around 65 % under de condition that for the first 5 months I would have to make a minimum payment of XXXX dollars after that the reduction would be applied to the balance. This conversation took place Through their chat service. When I asked for confirmation the discovery representative told me that it was not necessary because everything will be saved on the chat. 3 months later discover started harassing me even though i was making payments as agreed. Now discover says that there is not agreement and that the chat that can prove the settlement never took place. They are still charging me the whole amount and the balance has not been reduced as agreed.
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I file a Dispute in regards to the incorrect items on my credit report it is well over 30 days and I have not received any investigation results
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I never activated the account, I never used the account. I am not interested in the account. Thus, the account should be closed and reported to all major credit reporting repositories as " account closed by consumer ''.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I am not interested in this credit card account. The account has not been activated or used. Please ensure that the account is closed and is reported to all credit reporting repositories as " closed by consumer ''.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A