Date Received: 2023-11-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I'd like to request a copy of the contract that was opened with my social security number as evidenced by the hard inquiry reporting on my credit report ( page XXXX of the attachment, circled in red )
Company Response:
State: CA
Zip: 90621
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2 it also states a consumer reporting agency can not furnish the account without my written instructions under 15 USC 1666B accreditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I received email stating I will receive my security deposit for the secured card {$300.00} in XX/XX/2023. I have not receive my security deposit back.
Company Response:
State: NY
Zip: 112XX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Discover Bank Fraud Subject : Urgent Matter - Multiple Attempts to Address Fraudulent Charges on My Account Dear Discover Bank Fraud Department I hope this letter finds you well. I am writing to bring to your attention a matter of great concern regarding my Discover Bank Credit Card. Over the past two years, I have made numerous attempts to address fraudulent charges on my account, but unfortunately, the issue remains unresolved. In late XXXX, I first noticed unauthorized transactions on my Discover Bank credit card statement. Alarmed by these charges, I immediately contacted the Discover customer service hotline to report the fraudulent activity. The representative I spoke to assured me the matter would be thoroughly investigated, and the charges would be reversed. To my dismay, the fraudulent charges were not removed from my account, and I subsequently made several follow-ups calls to your customer service department. Each time, I was assured that the issue would be escalated and resolved promptly. However, despite these assurances, the unauthorized charges persist in my statement. In addition to phone calls, I have also submitted written complaints through your online CFPB, FTC, and Disputes through the credit bureaus. Regrettably, I have not received any acknowledgment or resolution to my concerns. Other than, " We have been unable to contact you, " My contact information is the same. I find it incredibly frustrating and disheartening that my attempts to address this matter have gone unanswered for so long. I am not denying the account is mine. I understand that resolving fraud cases can be a complex process, but Discover Bank lack of communication and action is deeply troubling. However, the current situation has eroded my confidence in Discover Banks ability to protect its cardholders from fraud. Please thoroughly investigate the fraudulent charges on my account and provide a detailed update on the steps to resolve this matter. Additionally, I would like to resolve this matter as quickly as possible. I appreciate your immediate attention to this matter and trust that Discover Bank will rectify the situation promptly. I am willing to provide any additional information or documentation to aid in the resolution of this issue. I have asked Discover Bank for statements showing itemized TRANSACTIONS for the years XX/XX/XXXX through XX/XX/XXXX, but they refused to comply. PS. Enclosed are a list of documents : 1. Drivers License 2. Identity Theft report filed with FTC XXXX. XXXX XXXX XXXX XXXXXXXX stating they are unable to contact me after sending multiple dispute letters.
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Company Response:
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: My discover card was stolen a couple months ago along with my entire wallet ( including my ID card ) and phone. It was used to create XXXX XXXX in fraudulent transactions. I disputed all the fraudulent charges made on my discover card and the majority were denied and readjusted to my discover account now showing on my balance. I need these charges taken off my balance as I did not make them & they were done fraudulently. I was told that the main reason for the readjustments were due to the merchants having proof of my ID card being used & transactions being approved via email or text. But as I had mentioned to the discover rep while creating the dispute, my ID card was stolen along with my discover card and my phone. My phone did not have a passcode on it leaving it open for anyone to use. Once the transactions were readjusted, I called the discover customer care center who forwarded me to the discover rep XXXX who told me the reasons why the transactions were readjusted. After I told him the reason why those were invalid and to have the readjusted dispute transactions taken off my balance, he began to insinuate that I had in fact made the transactions and almost started interrogating me in regards to the transactions. This was very unprofessional for Discover after being a loyal client for over 3 years paying my credit card in full every month. I filed a police report regarding the incident and an FTC identity theft report and have still been denied the disputes. I told XXXX over the phone to either check the security footage of the merchants where the transactions occurred or the signatures given to the merchants where the transactions occurred to figure out who did this with my card. I was told he was unable to check these things. Those XXXX pieces of evidence I listed would figure out who made these transactions and would clearly show that it was not me who made them. Yet Discover is claiming that they have " sufficient evidence '' to deny the disputes. What evidence? That my ID card was used during the purchases? That a verification code was approved via email or text? Anyone who looks even remotely close to me could have used the ID successfully. Employees checking ID 's quickly glance at them and most of the time don't care as long as you present them a real ID. & whoever had my phone had access to the gmail app and also all my text messages. These are not valid reasons to deny my disputes and I will not be held liable for XXXX XXXXXXXX in fraudulent charges that I did not make. This is unfortunate that I have to result to creating this report to settle this situation that should have been handled professionally by discover who I saw as a decent credit card issuer before this incident.
Company Response:
State: CA
Zip: 92078
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Discover Financial and Personal Loan Services calls my phone, my family, my friends, and my XXXX mother 's phone every day. Discover Financial calls everyday and several times in a day asking for my whereabouts and harassing my associates which include co-workers, family, and friends. We have received over 7 -10 calls in a day. As soon as we open our phones and browse the Internet or make a call, a Discover Financial representative will try to interrupt our call or leave a voice message. Discover Financial and Personal Loan Services calls at odd hours and on holidays. They call pretending to be colleagues. For example, they may open their conversation or call with statements such as, " XXXX! XXXX! XXXX! '' I have asked them to not contact me ; however, they still flood my E-mail with letters and call me frantically everyday. I am scared to answer the phone at work and my job requires me to answer phone calls constantly.
Company Response:
State: TX
Zip: 78109
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I have received an incomplete product from the company XXXX and requested a refund upon return. Item was returned and the company refused to refund the money and have been an ongoing dispute for almost half a year. Discover has refused to cooperate and sided with the company and now I am not only out {$350.00} but as well as the fan I had originally purchased. This fan was returned and shipped back using the shipping company they arranged themselves. Item was purchased on XX/XX/XXXX. Dispute case # is XXXX
Company Response:
State: CA
Zip: 92507
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Discovery XXXX {$1500.00} This item is reporting inaccurate on my report and needs to be blocked and removed immediately Ive spoken with several associates in the fraud department and no one can prove or verify and accounts belonging to me. Discovery- ( XXXX ) XXXX-Fraud Department XXXX XXXX Az ) XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: Discover CC sent me a check offer to pay for services with extended time to make payments without interest after a small fee for it. I used the check to pay {$1500.00} on XX/XX/2023 for a job painting service that the painter XXXX XXXX XXXX was supposed to perform on my XXXX room. After getting the check and caching it this person disappeared without performing any of the service promised. I contacted Discover Card CS and asked them to stop/retrieve the check and explained the reason, however, they told me they couldn't do it. I informed that I was victim of a scam, but it didn't change their resolution. I have also paid XXXX XXXX XXXX through XXXX 's transfers for his wife XXXX XXXX XXXX, in the amount of XXXX {$1100.00} from a total of XXXX {$2600.00} for a painting/flooring work quoted as U {$3300.00}. XXXX XXXX XXXX and XXXX XXXX XXXX live at XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX and they advertise their scam business on the XXXX XXXX and XXXX.
Company Response:
State: IN
Zip: 46224
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A