Date Received: 2022-04-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have a Discover credit card and in XXXX XXXX I had some unauthorized charges on my credit card. Discover recommended that I cancel that card and get a new credit card with a new number. In XX/XX/XXXX, I noticed that there were some unauthorized charges on my new credit card but the statements said that these charges were transferred from my old credit card that was cancelled over a year ago. On following up with Discover I was told that even though the old credit card was cancelled, someone could still misuse it by setting up a recurring charge account at an online vendor and charge the card and those charges would be transferred to my new card. I made many calls to Discover and also made a complaint to the executive office of Discover Financial. They have told me that their systems currently have no way of preventing these fraudulent charges from passing to me in the future. They assured me that they would refund any unauthorized charges but it would be up to me to monitor my account to find and report these. This seems to be counterintuitive that if they suspect that my credit card information is stolen that they would not take steps to shut it down and protect my new account. They can not guarantee that I would not have future issues as they are unable to decouple my previous card from my new account. My only choice is to shut down the account permanently.
Company Response:
State: RI
Zip: 02906
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
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 had booked a flight using my Discover credit card on XXXX for XX/XX/XXXX from XXXX to XXXX. It was a XXXX XXXX XXXX. The flight got cancelled four hours before the departure. I called XXXX XXXX asking for my refund, they told me to contact the Airline directly. So i called up XXXX XXXX and they asked the last four digits of the credit card number XXXX XXXX used to book my flight ( note that it was not my discover card ). So i called XXXX XXXX again asking for the last four digits of the credit card number again and they told me they can not provide it and asked me to contact the airline again. I called up the airline again and even they told me they can not help me here. The flight never flew and i never got the service and now these companies are not refunding my money. So i reached out to my credit card company DISCOVER to file a dispute and they straight told up they can not dispute it. So none of these three companies are helping me to get my money back.
Company Response:
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report its has been over 30 days and I have not received any investigation results.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I paid DISCOVER. {$150.00} ( over the {$110.00} minimum ) on XX/XX/22. I had a {$61.00} available balance, then one day I looked and I was charged {$91.00} which left me with a - {$31.00} balance. The company repeated what was on the statement ( interest & fees on purchases ). I hadn't made any purchases the card stays frozen. I have an copy of the statement if you need to see it.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have been trying to dispute fraudulent information that I noticed have been reported on my credit report by XXXX. Several months back I had my identity stolen and I am in desperate need of these items being reviewed and blocked. This has made my life very hard! I have been receiving emails and calls about debt that is not mine. My personal data has was exposed in the XXXX data breach.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: It has been a battle going through this and I am writing to delete this fraudulent information in my file. The item I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor account. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the item as soon as possible. DISCOVER FIN SVCS LLC XXXX
Company Response:
State: NY
Zip: 10952
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hi my name is XXXX XXXX im a victim of identity theft.I checked my credit report and found account that I didn't recognize and I tried to contact creditors and found out they have wrong or previous address that I resided on.But after dispute the information came as accurate so I went ahead and sent them an rental agreement proving for the date x to date x I was living in different address and by FCRA law 605B they have to stop reporting and bureaus start blocking these account.There is a car loan also on my credit report that was fraudulently taken out under my and my moms name.For XXXX XXXX there are XXXX account all XXXX are fraudulent.
Company Response:
State: CA
Zip: 91201
Submitted Via: Web
Date Sent: 2022-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hi my name is XXXX XXXX and im a victim of identity theft I recently checked my credit and found a lot of account that does not belong to me I contacted some of the creditors and investigation came back that information is accurate I also talked to credit bureaus and notified them.Upon talking to some of the creditors they provided me the address that has been used to open the account and those addresses emails that they have on file are my previous addresses phone numbers and emails or they don't even belong to me ( some of them ) I sent them my rental agreement as a proof that the dates that fraudsters applied for the card I was living in different address.
Company Response:
State: CA
Zip: 91343
Submitted Via: Web
Date Sent: 2022-04-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am XXXX XXXX and I am submitting this complaint against DISCOVERY FINANCIAL SERVICES DISCOVERY FINANCIAL SERVICES has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to DISCOVERY FINANCIAL SERVICES to FURNISH this account/item. The DATE OPENED is INACCURATE and I DEMAND DISCOVERY FINANCIAL SERVICES to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND DISCOVERY FINANCIAL SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND DISCOVERY FINANCIAL SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND DISCOVERY FINANCIAL SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND DISCOVERY FINANCIAL SERVICES to delete this account/item within 4 business days ( Exhibits provided ) DISCOVERY FINANCIAL SERVICES duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!
Company Response:
State: TX
Zip: 79707
Submitted Via: Web
Date Sent: 2022-04-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Fraudulent credit accounts from discover card on my file. I do not own or know of these accounts. Discover card says they were partially paid but l did not pay them. This is a mistaken identity. Discover card does not reply with any written proof or verification of any sort, only states debt was verified with out providing how.
Company Response:
State: TX
Zip: 78209
Submitted Via: Web
Date Sent: 2022-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A