Date Received: 2022-02-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) that resulted from a short vacation in XXXX XXXX, Florida. I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. I requested proof from the creditor, and they were unable to provide me with any proof otherwise.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Furthermore, I requested proof from the creditor, and they were unable to provide me with any proof otherwise.
Company Response:
State: NY
Zip: 10026
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2022 I scheduled my regular monthly payment with Discover, my due is the XXXX but I pay early. I have been a card user nearly a year and Ive never missed a payment or have any issues with my account. After being notified that my banking account had been compromised, I gave Discover a call immediately ( XX/XX/2022 ) to submit a new payment and cancel the the previous transaction. I was told that the payment had been successful and that my balance was {$0.00}, and there was no need to submit additional payments. On ( XX/XX/2022 ) after closing out my bank account I noticed that Discover returned my payment. I called them immediately and was told I can just submit another payment and that it wouldnt adversely affect my account. During the call with the Discover, I disclosed that I was a XXXX veteran and that this was a XXXX situation. The representative guaranteed me that my account was in good standing and I shouldnt worry. Discover accepted and posted my payment ( XX/XX/2022 ). On XX/XX/2022 I received a bot call from what I assumed was a scam caller, the bot said my Discover account had been suspended and to check my email and sign a document for income verification. I immediately called Discover and was transferred to the verification department. The representatives were extremely unprofessional and rude and refused to explain to me why my account had been subjected to this request. After being transferred back and forth I was finally able to speak with someone who informed me that the request came from an outside party and that Discover legally had to verify my income. They wouldnt disclose who this other party was but stated that I could submit 3 bank statements and a notarized letter and submit it to them, since I dont have taxable income. I truly believe that Discover targeted me and discriminated against me because of my XXXX. Ive never experienced any problems with Discover until I disclosed my health/ income information with them.
Company Response:
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: On early of XXXX i was unable to communicate on my credit card company which is the " Discover '', family/myself was struggling, very sick of COVID19, due to unable to contact Discover Credit Card , & i was unable to pay my monthly due to them, they cancelled my credit card without my information, not even sending mail to me. I work on medical field since XXXX and during COVID19 time, I am one of the XXXX XXXX, and because of my job i got XXXX XXXX, they don't know how stressful we did, taking care everyday of XXXX XXXXatient in NY, without their consideration. I told Discover Customer care if they can reopen my account and explain to them what happen to me. 6 months after the Discover closed my account, I fully paid them, but my credit history was damage already by Discover, i am not approved anymore on loans right now on what Discover did, no consideration on COVID time.
Company Response:
State: NJ
Zip: 07644
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: My name is and I am the member with Discover credit card institution now more than 12 years. I have got the credit line of {$5000.00} which included cash advances of {$1800.00} in it structure. My credit line was approved from your institution on base of my student status in this time on base of my student loans at XXXX. I regularly paid on timely manner my monthly rate of minimum payment due and have not late payment problems during my period of membership, despite of my extremely financial hardship. My problem with Discover began far before your statement of XX/XX/XXXX, which activates my attention on fact that for longer than one year my basic debt did not became lover not for one cent although I made a payment in amount of {$88.00} up to {$100.00} every month regularly. This oriented me that in beginning of XXXX of XXXX call Discover center and request to talk with one of representatives to discuss my problem. After short connection and explanation of my problem served representative transferred my call to one of Accounts managers which name was XXXX? Her last name I did not got alleged they do not give their last names. I explained my concern to XXXX XXXX regarding the fact that after more than one year of regularly paid my monthly rate of around 100.00 per month my basic debt is constantly at level of {$3200.00} or higher and never go under this amount. I also asked her how is possible that for every single month the interest charges are 60 % or higher from my payment. XXXX XXXX agreed with my concerns and explained me that she can not return back to my account the amounts alder than three months and immediately returned {$320.00} on my account. She also explained me that interest charges are at level of 60 % or higher because I use my cash allowance. I disagreed with such explanation because I do not use cash from my account. The truth is that I used just once cash from my account and this happened more than seven ( 7 ) years ago. XXXX XXXX accepted my explanation and promised me that from this day and forward the interest rate will be not charged on base of cash advances and majority of my payment will be returned on my basic debt. She also emphasized that I must not make the payment before I get my new monthly statement. I agree with such solution and finish the talk with XXXX XXXX. The proof : Statements from Discover of Accounts Summary that verify not one time use of Cash Advances years long what mean that they illegally planted Interests Charges up to 70 % from my monthly payments On XX/XX/XXXX I have got e-mail from Discover office with request for make a payment because I was late although I regularly paid my monthly portion on my account on XX/XX/XXXX, and they again charged me with late fee of {$40.00} and with interest charged of {$62.00}. This unfair billing surprised me a lot therefore, I again called Discover office and explained serving officer my agreement with XXXX XXXX and pleased him to connect me with her. This time I was connected with account manager who introduced herself as XXXX XXXX XXXX and explained again my problem. She explained to me that investigation of my case is necessary and promised me that would call me back in Wednesday XX/XX/XXXX. XXXX XXXX ( I do not know is this her real name ) called me back on XX/XX/XXXX ( Thursday ) and told me that late charges were added to my account despite of payment of {$100.00} because they requested payment of {$110.00} what I oversaw somehow and because of my financial hardship I could not even pay at all. She was exactly rude an told me that Interest Charges up to 70 % will be taken from my account despite of fact that I do and did not use Cash Advances from my credit card account because is this exactly this what I subscribed in agreement when opened credit card at Discover. XXXX XXXX with this statement forgot that after crash of financial market from XXXX and new regulation connected with legal obligation of credit card institution, these illegal charges on someone credit card account are strongly prohibited. The proof : Different approach to my complain between Account Managers XXXX XXXX and XXXX XXXX verify your serious wrong doing and deceptions in billing process connected with my credit card account and verify that my requests are more than justified The story after this event continued and on XX/XX/XXXX i called Discover Card and try to make the payment but now they requested more than {$150.00} what i did not have at all because my SSA is at level of {$65.00} per month after paid Medicare B. The officer at Discover alleged accepted my complaint and amount that i offered to pay of {$100.00} and promised me that this amount will be permanent, and that alleged late fees will not appeared in following statements. However, in statement for XX/XX/XXXX these late fees even elevated up to level of {$110.00} altogether with basic payment arose to level of {$210.00}. In talk with different official at Discover she even told me that my monthly payment will elevate up to {$220.00} per month what is at least three time more then my SSA benefits of {$65.00} per month. I wish to emphasize that up to day for 11 years of regular repayment of my credit card i paid back more than {$11000.00} on name of my credit debt which more than seven years stay at level of around {$3000.00}. I have all proofs about this fraud of Discover credit institution just i did not have scanned them yet. After that i scanned them i will add them to my basic complaint if will be necessary and possible.
Company Response:
State: WA
Zip: 98166
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Discover tried to call me on XX/XX/2022, but it sounded like a scam call telling me about needing to do 4506-T verification for my card ending in XXXX, then I received an email from XXXX Sign, all of which sounded like a scam. I subsequently called the main Discover line three hours later, but the representative did not know what I was talking about. I tried to use my Discover card to find it was not working on XX/XX/XXXX. I filled out the 4506-T form, then it was rejected by the IRS for wrong address even though I the same address. I filled it out and resubmitted it again on XX/XX/XXXX, and it was rejected again and my Discover account closed on XX/XX/XXXX.
Company Response:
State: CA
Zip: 91722
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: {$1.00} amount I want to ask for help so I can claim the remaining money in the discover savings account that has been closed without notification.
Company Response:
State: NY
Zip: 10956
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
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: My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureau. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. DISCOVER BANK XXXX Balance {$0.00}
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
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: In XXXX and XX/XX/XXXX, my Discover credit card had XXXX charges from XXXX, which I never purchased anything from, nor could anyone else. The website has no telephone number, no email address, and no street address or XXXX XXXX XXXX After a XXXX, Discover gave me credit for those charges. I cancelled that card the day I received my XXXX statement and asked for a new card. At the end of XXXX, I received a statement for that card and found XXXX more fraudulent purchases from the same scammer, called Discover and reported the problem. I also asked why they didn't block those charges since they should have known it was a scam ; I was told that the charges were " probably pushed through, '' whatever that means. The last of XXXX, I received a statement from my XXXX credit card, which I have never used or activated, that was for XXXX {$160.00}. ( I never received a statement for XXXX or XXXX ) So, someone in Discover activated my card. In late XXXX, that same credit card statement now said I OWED {$110.00}, and the company had transferred those XXXX fraudulent charges to the card. When I again called the fraud unit at Discover, a XXXX told me that I had told them that the charges were legitimate - at that point I told her that was NOT true. Then XXXX said an investigation was ongoing! I called again, talked to another fraud XXXX, and was told I now owed {$11.00}, yes, {$11.00}. She also told me I had not paid for XXXX purchases from last summer and that Discover double credited me, that was why they didn't owe me. If I owed money from last summer, why didn't they bill me in XXXX or XXXX, charge me a late fee, or transfer those charges on the XXXX bill? Why wait till XX/XX/XXXX? I also received a threating email before I called on XXXX XXXX that Discover would report me to the credit bureaus if I didn't pay them the {$110.00}. by XXXX XXXX Something is seriously wrong. Oh, yes, I always pay the total bill each month, and have done that for the many years of having the card.
Company Response:
State: PA
Zip: 167XX
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I'm not swayed that XXXX and XXXX Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Bureaus are reporting inaccurate information on DISCOVERBANK with account number XXXX.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/2021 I enrolled into a debt consolidation program with XXXX XXXX XXXX. My Discover credit card was one of my debts that I wanted to enroll in the program. My total debt with Discover was {$3900.00} with enrolling into the program. I was advised to stop making payments so that they could come up with a settlement. XXXX XXXX XXXX contacted Discover to come up with a settlement for my debt Discover in return wants me to pay {$18000.00} for a debt that was only {$3900.00}. Thats + {$14000.00} more than what my actual debt was before entering into the program. This has caused me Anxiety to know that during hard times that a credit card company could do this to me.
Company Response:
State: FL
Zip: 33572
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A