Date Received: 2022-03-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I Have contacted Discover multiple times via certified mail to inform them on the fraudulent account that they keep attempting to collect on. I was a victim of identity theft where my information was used to sign up for an unauthorized credit card. That credit card was fraudulently used and accumulated a balance and was later defaulted on. I sent the identity theft paperwork to Discover several times, yet they continue to harass and threaten me with demands of payment and continue to furnish fraudulent information on my consumer report that is harming my reputation and damaging my ability seek employment. I have never validated any debt owed to Discover and dispute all allegations of the alleged debt. I have repeatedly ask that Discover send me original documents of the contract that was allegedly signed in writing. They have never done so leaving the assumption that they are incapable of providing this documentation. I am asking that you please assist with the removal of all accounts associated with Discover from my consumer credit report. Thank You.
Company Response:
State: TX
Zip: 77004
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: Hello. I recently wrote out a check to my landlord to pay my rent on XX/XX/XXXX. When the check was cashed on XX/XX/XXXX I received a notification that it processed. The next day I was checking my account and asked why I had insufficient funds. My bank initially told me that the check was processed twice and that I would be refunded for the second transaction. My landlord reached out to me on XX/XX/XXXX saying that he did not receive any funds. I showed him a picture of my bank account showing that I had available funds to cover the check. He continued to ask me daily to check with my bank and I continued to reach out to them on several times between XX/XX/XXXX and XX/XX/XXXX. My landlord provided me a copy of his bank statement on XX/XX/XXXX showing that the check was deposited and then returned the next day for insufficient funds. I provided that information to my bank and they are continuing to say that I need to follow up with my landlord. Originally when I told the dispute team at Discover bank that I had a copy of his statement they started investigating the check. They told me that it would take 3 to 5 five business days from XX/XX/XXXX. When I called today on XX/XX/XXXX they were short with me and told me that the money was deposited into my landlord 's bank and that he has the money. They advised me to reach out to him.
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Other transaction problem
Subissue:
Consumer Complaint: It is again complaint against Discover Bank. Two previous complaints were about payment of {$500.00} to XXXX XXXX when the debt had already been paid and these payments should not have been made. But now it is the opposite problem. I have outstanding debt to XXXX and {$300.00} should have been paid every month on XXXX but this month ( i.e., XXXX ) payment was not made!
Company Response:
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My complaint is against Discover Financial Services for failing to remove an unauthorized and fraudulent credit inquiry on my XXXX credit report. I have included a copy of this credit inquiry that appeared on my XXXX credit report ( doc # 1 ). I did not apply for this Discover credit card and have no interest in having a Discover credit card. This inquiry along with many other inquiries for auto loans and credit card accounts appeared on my credit reports all within a few weeks of applying for a XXXX XXXXXXXX XXXX auto loan. I did not apply for any of these other auto loans or credit card accounts including this Discover credit card with the exception of the XXXX XXXX XXXX auto loan that I was approved for and used to purchase a new vehicle. I sent a letter ( doc # 2 ) to Discover on XX/XX/2022 explaining that I did not apply for this credit card and asked that they have this hard credit inquiry removed from my XXXX credit since I did not apply for this Discover credit card. In this letter I further explained that several other credit cards and auto loans that I did not apply for has appeared on my credit reports. On XX/XX/2022 I received a form from Discover that was needed for them to conduct an investigation into this matter. I immediately completed this form ( doc # 3 ) and mailed it back to Discover on that very same day. After about three weeks went by since returning this completed form to Discover I called them for an update on this investigation. I was told that the department that handles this requires that all communication is done by mail. I followed up with another letter ( doc # 4 ) explaining that I had wrote a letter to them explaining my situation and that I also mailed them the completed form that they needed to investigate this matter. On XX/XX/2022 I received another form ( doc # 5 ). This is the very same form that I received from them back on XX/XX/2022. Discover is completely ignoring my request to have this credit inquiry removed from my credit report. This is clearly a case of fraud or identity theft and Discover is not taking this seriously. Having these unauthorized credit inquiries on my credit report is having a negative effect on my loan applications, my acquisition of credit and my credit history. Discover is not doing anything to correct this matter and since they requested my credit report without my permission they are required to have this credit inquiry removed from my credit report.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with non-monetary relief
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: XXXX XXXX XXXX Dates without consent on XX/XX/XXXX and XX/XX/XXXX. Phone call made XX/XX/XXXX was supposed to remove inquiry due to fraud within XXXX days this is still not removed. Discover XXXX XXXX Dates without consent on XX/XX/XXXX. Phone call made XX/XX/XXXX was supposed to remove inquiry due to fraud within XXXX days this is still not removed. XXXX XXXX XXXX Dates without consent on XX/XX/XXXX and XX/XX/XXXX. Phone call made XX/XX/XXXX investigated and ruled unfounded. I have credit alerts and froze my accounts due to fraudulent activity. I also received a letter from the XXXX XXXX XXXX and XXXX that my information was compromised as a result of the XXXX Claim system.
Company Response:
State: PA
Zip: 17046
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with the fair credit report act .the following accounts have violated my rights. ! ) discover bank account # XXXX XXXX ) XXXX XXXX account # XXXX XXXX ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. STATES I HAVE THE RIGHT FOR 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 MY WRITTEN INSTRUCTIONS.
Company Response:
State: TX
Zip: 776XX
Submitted Via: Web
Date Sent: 2022-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with the fair credit report act. XXXX XXXXXXXX account # XXXX has violated my rights. 15u.s.c 1681 section 602 A. states i have the right to 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
Company Response:
State: TX
Zip: 776XX
Submitted Via: Web
Date Sent: 2022-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In 2018 I was granted XXXX in the United States. I followed the advice of my friends and opened a credit card with discover. Shortly after I experienced financial hardship and a XXXX XXXX which led me to a XXXX XXXX XXXX XXXX for weeks. At the end of my XXXX XXXX I found out discover had closed my credit cards and charged them off for non payment even though I talked to them and let them know what was happening. They refused to help me and they closed my accounts and sent them to the credit report which caused so much damage over the years. I havent been able to open a new credit card nor to open a new loan or credit line because of the hard report discover left in my credit.
Company Response:
State: NY
Zip: 10031
Submitted Via: Web
Date Sent: 2022-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dates XX/XX/2020 and amount {$5500.00}. amount {$4500.00}, amount {$4300.00}, amount {$2800.00}, {$2700.00}, {$2700.00}, {$2700.00} and {$2000.00}. This account was an unauthorized account, I have sent letters to the company stating that the account was not mine. I demanded proof of my signature for the alleged agreement and the company did not respond to me. I sent 5 letter since 2020 to the company. There are laws stating that the company can not demand money of payment from me when account is unathorized. I have also made a police report while they still ignore me and this issue is hurtingn me as a citizcens.
Company Response:
State: IL
Zip: 60621
Submitted Via: Web
Date Sent: 2022-03-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-18
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 am not sure if this warrants a complaint, but I am checking to see if this is something that can be addressed via policy or if a company can be pressed to change a company. I have a series of specific problems. I was foolish and accidentally allowed a company I should not have to start billing my credit card regularly. They did not provide what they said they would. I initiated a dispute with them, but I had a good idea it would be hard to stop them from continuing to use my credit card. I tried multiple ways to get the credit card to not allow the amounts to be charged anymore. This wasn't a small fee -- it was {$1000.00} a month. ( It was a service that was supposed to help me grow a business, but it was not doing what they verbally said they would do. ). But the Discover customer service agent on Friday XX/XX/XXXX said they had a policy of not disallowing a merchant to go ahead and continue to use my card. I was flabbergasted at this so I called up on XX/XX/XXXX and said that I would simply close my account and pay off my bill rather than have to allow the situation to continue. Then the costumer service agent, XXXX, became very accommodating and said of course they wouldn't allow a purchase that wasn't something I wanted. They said they'd stop the payment but indicated that it would be possible, in a year 's time, that I'd have to renew the ban on this merchant. This took about an hour but eventually I was assured that there was a block on this particular merchant. After that, I went ahead and engaged with the merchant, who said they would not longer charge me. But XXXX and behold, the merchant didn't stick with their word, and neither did Discover. I had even frozen the account, just in case, but I went back today XX/XX/XXXX and found that Discover had indeed allowed the payment through. I was shocked. I have now completely closed the account. They verbally assure me there will be no future payments accepted because it is actually closed. I suppose I have to believe them, though I can't trust anything the agents say over the phone, it seems. I even have a letter from them saying that they had blocked the merchant, so a written letter is also no guarantee. I spoke with a supervisor, who went by the name of XXXX, and who basically said I could dispute the {$1000.00} but that it was essentially my fault for allowing the merchant access to my card. I did start a dispute on the payment, and actually decided to dispute all the prior payments as well, but I am also angry that Discover made this so difficult for me to do. ( To be clear, not disputing per XXXX but they refused to block the merchant at all. I think that is a terrible policy. ) Is there anything that can be done about this? I do not believe that Discover should have a policy that lends itself so easily to defrauding their own customers, and I said so to every single customer agent I spoke to. I was very foolish. My XXXX XXXX XXXX could see the whole thing was a scam, but I didn't want to believe that. But I do not think that Discover should have sided so fully and wholeheartedly with the merchant when this was such a large amount and this could have gone on indefinitely. Please let me know if there is anything that could be done about this in the future or if there is any way to push for a change in how credit cards treat their customers. Thank you.
Company Response:
State: MA
Zip: 02139
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A