Date Received: 2022-03-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XXXX Discover Card called me about an overdue balance to a card I never applied for. The account was closed, I talked to the fraud department, and was then informed that the statements were being emailed to XXXX XXXX XXXX XXXX. I told the fraud department I would get back with them so I could look into this matter. She admitted that she had applied for the Discover Card in my name but without my knowledge. I called the fraud department back and told them at that time I did not want to charge her with fraud due to her being XXXX XXXX XXXX XXXX. The balance was {$6000.00}.? and I paid around {$4000.00} to make the balance to be {$2400.00}. Thinking the account was closed, I set up payment arrangements to pay on the remaining {$2400.00}, not realizing that the statements were still being emailed to XXXX XXXX XXXX XXXX. I received another call from Discover Card several months later stating I owe them around {$10000.00} now. Discover Card re-instated the card, without my knowledge, allowing her to keep committing fraud against me. I have been paying on this account for XXXX years now, and arguing with Discover Card about this fraudulent activity and their mistake of re-instating this card without my knowledge. A letter was sent from my lawyer to Discover Card and still have not heard back from company regarding this letter. My lawyer said I should contact you.
Company Response:
State: KS
Zip: 67212
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A Discover card was fraudulently opened in my name. Account date opened in XXXX. The bill was sent to another address or post office box number that I was not aware of. The credit limit was {$17000.00} from XX/XX/XXXX to XX/XX/XXXX. The account was closed on XX/XX/XXXX. The high balance was {$15000.00} from XX/XX/XXXX to XX/XX/XXXX. I received a summons today and was made aware of the account. Presently I am disputing it and reporting fraudulent activity. Also, freezing my accounts.
Company Response:
State: AR
Zip: 718XX
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed disputes in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Company Response:
State: CA
Zip: 91786
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/2022 at XXXX pm received a call from XXXX at Discover card pushing card services. We have asked to be taken off the list, we have blocked the phone number, but they keep getting through.
Company Response:
State: CA
Zip: 92078
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: This debt was discharged back in 2016. There was a judgment filed against me. I never received a Letter of Satisfaction. I have a 1099-C for Cancellation of Debt. I have paid taxes because a Cancellation of Debt is considered income. This matter has been resolved, but I have not received legal satisfaction with Washington County Clerk of Courts
Company Response:
State: WI
Zip: 530XX
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with the fair credit reporting act. below accounts have violated my rights. 1 ) discover bank last four account number # XXXX 2 ) XXXX XXXX XXXX last four account number # XXXX 3 ) XXXX XXXX last four of account number # XXXX XXXX XXXX XXXXXXXX last four of account number # XXXX 15 u.s.c 1681 section 602 a. states i have the right of privacy. 15 u.s.c 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions. 15 u.s.c 166b a crditor may not treat a payment on a credit card account under an open and consumer credit plans as late for any reason.
Company Response:
State: TX
Zip: 776XX
Submitted Via: Web
Date Sent: 2022-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-26
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: On XX/XX/XXXX, I purchased an online course titled, " XXXX XXXX XXXX XXXX XXXX XXXX XXXX' from " XXXX XXXX XXXX ''. I was charged {$530.00} and I had used my Discover credit card for the purchase. Immediately after purchasing, I had watched the first four " lectures '' and I immediately felt misled. Each of the so-called " lectures '' was only two to four minutes in duration. After finishing the fourth video and feeling disappointed, I scrolled through the list of lectures and found that the short videos were a common theme within the " course ''. I then emailed the support email, XXXX, about requesting a refund and I immediately received an automated email. The automated email stated to reply to the email and a response would be given in XXXX business hours however I did just that and I never received a reply to my request. After this point, I was very frustrated and had decided to wait until Discover would let me file a chargeback. On XX/XX/XXXX, I had filed a chargeback with Discover essentially stating that I had been purposely misled and that the advertising and descriptions surrounding the course were mostly false advertising. On XX/XX/XXXX, I received a message from Discover stating that they had ruled against me because the merchant was able to provide a receipt of my purchase. This had nothing to do with my original complaint and the false advertising issue was never addressed. In addition to this, after being notified that I had lost the dispute, I logged into the website that provides the courses and realized that my access to the course that I paid for had been revoked. Not only did I lose the dispute and the money, but I also lost my access to the service.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: my finance company sent them a check and they sent it back to me after they agreed to a seiten amount they refused m payment. stating they wont full payment since i refinanced
Company Response:
State: OR
Zip: 973XX
Submitted Via: Web
Date Sent: 2022-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Account inquires i did not all or give authorization dates 2 different account bout for XXXXXXXX XXXX XXXXnd XX/XX/2022.
Company Response:
State: IL
Zip: 60644
Submitted Via: Web
Date Sent: 2022-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-26
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: They refuse to let me use my card that I was approved for give me hard time this isnt fair what a horrible bank and experience they wont let me use my account
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2022-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A