Date Received: 2022-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am. 1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account. 2. I also want to know who is the original creditor? 3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to.
Company Response:
State: FL
Zip: 34208
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Discover financial services agreed to remove the late payments due to the hardships brought upon me by the pandemic, and have yet to do so. Under the CARES ACT, they agreed to apply a courtesy update removal as long as I set up a repayment plan. They have yet to do so and are in violation of CARES ACT and XXXX.
Company Response:
State: FL
Zip: 33327
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I attempted resolved the noncompliance issue with Discover Financial. I am aware when a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more. Discover Financial is currently reporting on my consumer report that {$17000.00} has been discharge/profit loss. IRS requires if a creditor has discharged a debt owed, I am required to include the discharged amount in my income, even if it is less than {$600.00}, on the Other income line of my Form 1040 or 1040-SR. Discover Financial is reporting that this account discharged. Discover Financial did not issue 1099C during that tax year. Discover is not in compliance with this debt and committing consumer violations on its unethical recovery tactics with the credit bureaus and IRS.
Company Response:
State: IL
Zip: 60611
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In XXXX, I fell behind on payments with this company due to my income being negatively impacted by XXXX. After losing my job, it was impossible to find a job to make payments due to being on lockdown. My XXXX also fell gravely ill with XXXX and my family almost lost her. Despite this, I scrounged up some money to begin making payments towards Discover, even going so far as to use a XXXX relief grant from my school to pay off the remainder of the balance. In XXXX of XXXX, after my XXXX had made a full recovery, I was able to focus on other things and reached out to Discover explaining my situation and inquired if they could remove the late payments from my credit report. I received an automated response denying my request and no investigation whatsoever.
Company Response:
State: NY
Zip: 11429
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: To whom it may concern for the immediate assistance and resolution Discover student loan bank reported negative information about my daughter XXXX XXXX 's credit bureau and her co-signer XXXX XXXX. Our credit score fell 100-120 points overnight. She is in the process of moving, and now we have no way of getting her housing means and rental with both, our scores fell this low. Because of the work situation and unemployment in New York, she needs to make this move to a different state than we already planned and begin the process. This is when we found out Discover student loan bank damaged our credit scores during the application for new housing when it got denied. The consequence of the Discover bank 's negative reporting makes this move now impossible. No landlord or building corp will qualify her tenancy with a XXXX XXXX XXXX and mine XXXX. My daughter 's student loans requested to be deferred because she is continuing her education. It was honored by all banks but Discover. Because of her continuing education, we didn't expect any billing from any bank as it was reported with XXXX. We had no communication with the Discover bank all these years up until now when we called them. We also did not know that Discover acquired our original loan from XXXX all these years. My daughter called withing her deferment time in early XXXX for forbiddance. They said they would do it. However, the next thing we know, they never applied it on time and let the account go negative without our knowledge due to no communication from this bank. Per Discover student loan supervisor 's confirmation, he acknowledges that hard mail has status undelivered for years since XXXX. How is it for five ( 5 ) years this bank never tried to contact the signer or co-signer when I have an excellent standing valid Discover credit card with you with them, and my address is frequently used for all the communication with Discover? Because of this, we had no idea knowing that payments were due. The Discover shouldn't report if it's not over 60 days. If the signer fails her payment, they should immediately inform the co-signer before negative reporting. It is their responsibility to let me co-signer know when the payment goes past due. I called today and spoke to their supervisor. He was supposed to make a claim with their department to look into it. However, the way he approached this conversation rudely and hung up at the end I do not have trust that he will do the right thing. They're proven to be dysfunctional customer service damaged my daughter 's and mine financial credentials and well-being. I have no idea what we will do now with her new job and living situation. We never opened originated a loan with Discover bank. I have no idea how it got from the XXXX loan to Discover. They kept my daughter and I in the dark all these years without disclosing any info about this loan that has more than doubled in 8 years. We did not know that this loan was acquired our loan all these years until XXXX. Please resolve this issue as soon as possible my daughter 's lease ends in one month, and she can end up without a place when both of our credit scores are entirely damaged. The correct online address account has been updated since the last time we called back in XX/XX/XXXX bank failed to update the address on their end. Customer service doesn't notate accounts when a customer calls and forgets promises. I have attached supporting screenshots.
Company Response:
State: NV
Zip: 89012
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
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: Per The Fair Credit Billing Act, I am able able to dispute a charge when merchants provide unsatisfactory goods or services or fail to provide promised goods or services. After a free trial class on XX/XX/22, I signed up for a membership for unlimited classes for {XXXX} at XXXX XXXX XXXX XXXX. I was told classes book up so be sure to book classes in advance using your app. I was asked to inital using a keyboard, normally contracts are printed and a customer signs it with a pen after reading through it. I went home and was not able to book any classes in the app, it kept telling me buy more classes. My photo i took that day was showing up so I was confused why it was telling me to buy classes. I called, and they told me they would look at it next time. This was my first " free '' class. Next time was two days later, my first class with the membership.When I arrived they asked to take my photo. I asked what for and they said because you signed up last time. I told them i already had a photo taken and it is showing up in my app, but the app still says that i need to buy more classes. That is when they said they would submit a ticket. I dont know what exactly that meant but they said it could take 24 hours. I was told i needed the heart rate moniter which cost {XXXX} seperate charge to the card on file, to keep track of my workouts and make sure i was in the orange zone during the workout, the whole point of there membership is the " orange zone '' so you know your calorie burn following the workout. Come Saturday, my app is still not working. I told the 4 people that were standing around the front desk that day. One replied, we see that we submited a ticket. Apparantly, waiting for that ticket to close. Six days after signing up I am still not able to schedule classes in my app in advance, cancel classes in the app, or log my workouts and have it sync with the heart rate moniter. Therefore, the app was unsatisfactory so the promised goods were not delivered from using the heart rate moniter. As another attempt to get there attention once I found it it is a franchise and could not get a resolution from a 1800 number, I submit a complaint to the XXXX hoping a manager would respond with a resolution that would be satisfactory. After a month, the complaint was unanswered and it is now closed. I got an email randomly from orange theory that sent me fake statistics of a " completed workout '' It stated i had done a workout, and emailed me calories burned. This enraged me because I was not there that day, and still waiting to hear back from them. I called Discover Credit Card to put a stop payment on the automatic billing with the gym. He also told me how we could dispute the qaulity of service. I told them go ahead. Days later, i get a letter from Discover that said we have put a stop payment, make sure the merchant know to stop billing. I sent another email stating i havent been able to resolve my issue in a timely manor, please do not bill me anymore. That same day, weeks after the XXXX and dispute, the first attempt from the manager reaching out to me. He told me that I would still be charged next month billing cycle because they did not get a 30 day notice. I did in fact, give them plenty notice that my app wasnt working therefore the heart rate moniter couldnt sink to it. I was very surprised this was the response I got from management. Espeically when they advertise on there website the following : " We are confident you will be satisfied with your XXXX XXXX experience. In fact, if you are not satisfied after completing at least twelve ( 12 ) sessions, you will receive a refund for the monthly membership dues. OTbeat wearables and other retail sales are not refundable. At participating studios only. Offer valid for first time members only having a XXXX XXXX. All twelve ( 12 ) sessions must be completed within the first month of the membership start date at your home studio. A refund request must be made by contacting your home studio within the first month of membership. Individual results may vary, and you may not obtain your desired results after completing at least twelve ( 12 ) sessions. Neither XXXX XXXX, nor its employees, agents, or affiliates, make any representations, warranties, or guarantees as to the results that may be achieved from session participation or any information and/or related services provided. Participants are urged to always consult a medical professional or physician before participating in activity or starting an exercise program. '' I wast even able to take advantage of this promotion during the first month, therefore these charges for goods and services werent delivered as agreed. " A gym membership contract, like most other agreements may be void and unenforceable if induced to sign it with misleading information, representation, or advertising by the gym. '' I never received a copy and it was misleading to tell me i could book several classes in advance in the app, use the heart rate moniter to keep track of my XXXX XXXX in the app after every completed workout.
Company Response:
State: TX
Zip: 77493
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Discover is the worst bank that XXXX have It's hard on transactions and deposits When my money come on to the account I am done with discover I'm taking it all out And I'm going to another bank that have more common sense
Company Response:
State: CA
Zip: 95991
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX I applied for a DISCOVER IT CASH BACK CREDIT CARD through the website for Discover.com of the Discover credit card company to pay for my tuition. The company advertised a 0 % introductory APR for 18 months on purchases and balance transfers, an ad which remains on the company website till this day XX/XX/XXXX when I file the complaint. I was reviewing my most recent credit card statement when I observed the 0 % introductory APR period only lasts through XX/XX/XXXX. I immediately placed a call to the Discover customer service number ( XXXX ) available through the company 's mobile app. The first representative I spoke with mumbled some words I could not discern during the call and I assume hung up on me. The second representative told me there wasn't anything she could do for me and I asked to speak to a supervisor. She transferred me to a supervisor who mentioned that there wasn't anything she could to for me either that the system offered me what it offered me despite an ad which detailed 0 % introductory APR for 18 months on purchases and balance transfers. She then proceeded to ask me to open another credit card and maybe I can transfer the balance to a new Discover credit card.
Company Response:
State: NJ
Zip: 08053
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Following up the closing of my dispute with Discover Financial Services, I decided - for the sake of my sanity and sustaining the quality of my credit status- to reach an agreement with that business entity. This agreement was made by authorized Discover Card Collection Representative XXXX XXXX XXXX, confirmation # XXXX which dated XX/XX/2022 and entails the full payment of {$340.00} by an ACH transaction from XXXX XXXX XXXX. This payment was made, as a conclusive sum, in order to close this issue for ever. On XX/XX/XXXX, I returned from XXXX trip, realizing that XXXX XXXX has a system glitch, and couldn't complete the transaction, as the payment inadvertently refunded back to the bank. I immediately notified Discover Card about the system problem with the bank. XXXX XXXX was not available and was replaced by XXXX XXXX XXXX ( sic ), confirmation # XXXX, who assured me on XX/XX/2022 that by paying the amount of {$340.00} there will be " XXXX balance account ''. I requested a written statement for that, she responded by stating " It is my honorable promise, '' and brushed off my request stating " We don't send statements like that. '' Then I decided- in order to speed the delivery of the fund - I used another financial institution to transfer the fund, which was received, accordingly. Now, Discover Card started their harassment, and demanded additional payment of {$110.00} ( XXXX XXXX Credit of {$69.00} & interest charge of {$12.00} )
Company Response:
State: WI
Zip: 53221
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX, XXXX, 2022 I received 2 notifications about hard inquiries into my credit file. One was from XXXX, and the other was from Discover. Ive placed all credit bureaus accounts on freeze and also placed an alert.
Company Response:
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A