Date Received: 2022-02-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone has gotten a hold of my personal information and made three inquiries to credit card companies without my approval. On XX/XX/XXXX an inquiry was made and an account established with CRB upgrade. I have reached out to this lender and let them know. On XX/XX/XXXX two inquiries were made one with Discover financial and one with the XXXX XXXX XXXX XXXX XXXX I did not authorize any of these inquiries or accounts and have already filed with XXXX XXXX my file number is XXXX
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
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: Since XXXX of 2020, I have been disputing a Discover account that appears on my credit report. I have disputed this with the creditor directly, as well as with the 3 major credit bureaus : XXXX, XXXX, and XXXX. I have requested that they investigate the accuracy of the information, because it is not reporting correctly. There is currently no balance due on this account, because it was paid in full. However, I continue to see several inaccuracies on my credit report and the information that is reporting. Each credit bureau is reporting conflicting information. To date, I have not received any response from Discover regarding fixing the errors on my credit report. This item is reporting inaccurately and should be immediately deleted. ALL of this is currently incorrect : -Account type missing on XXXX -Date opened is inconsistent across the 3 bureaus -High balance is inconsistent across the 3 bureaus -Credit limit missing on XXXX -Date of last activity is inconsistent across the 3 bureaus -Date of last payment is inconsistent across the 3 bureaus -Comments on account say the dispute " is resolved '', how can this be when this account is reporting erroneously and I have not received any response to my disputes?
Company Response:
State: NY
Zip: 10467
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have no recollection of this account being open. I recently discovered this account listed on my credit report. I did not authorize anyone to open this account in my name. Can you help remove this reporting from my credit report? It is ruining my reputation.
Company Response:
State: NY
Zip: 11422
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-13
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: On XX/XX/XXXX I spoke with XXXX who helps with making loan decisions such as forbearance loans, payment plans and etc. I was trying to express to him the issues I was having since the pandemic and how I can't get a job but he put me on MUTE. After about 10 mins, he never returned so instead of hanging up on me I figured out that he wanted me to hang up. so I hung up and called back and spoke with another person and I forgot their name but it was unsuccessful. I been having a hard time getting a job since the pandemic started. Any opportunities I received were gone due to the pandemic. I can't speak for anyone else I can only speak for myself. I offered to show proof that I am actively looking and to give them proof of all of the decline emails that I receive weekly and that didn't matter. I told them I can pay {$50.00} a month and they refused that as well. They said that's too low, If I known they were going to be like this - I would have never borrowed from them in the first place. They told me that I exhausted all of my options and that they need at least 6 months of payments for me to be eligible for anything that they offer. That makes absolutely no sense at all! How am I going to pay if I do not have a job. I already told them that I do not have anyone to borrow from. This company acts like they didn't know we were just in a pandemic. The reason why I can't get a job because I do not have recent experience. These companies want you to have recent experience but how could we? We were in a pandemic for 2 years!!! Everyone was scared to catch Covid! No one wanted to hire new people. Every company you was going to hire me decided to just promote within because its safer than bringing in a new employee. I have proof of that too. But they don't care I don't come from a privileged family - I don't have the option to borrow and pay someone back. And they are aware of this. They know that I can't make payments right now but they do not care. I was trying to work with them, come to some resolution but they refuse to help me. I am hoping to get assistance with this issue.
Company Response:
State: IL
Zip: 60639
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-13
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 disputed a charge of {$3600.00} from a merchant named XXXX XXXX, based on false representations and non-conformity of goods. I should have disputed the full amount, which was {$5600.00}, but I was much too nice, and only disputed the price of one mattress. On XX/XX/XXXX, I disputed a charge of {$660.00} from same Merchant for same reasons. Initially, Discover found in my favor and credited the charges to my account. But then the XXXX, XXXX XXXX, challenged the decision and provided false information to Discover. Discover failed to apply the law to this dispute process and changed its decision and found in favor of Merchant, and told me I needed to return the products for store credit " per merchant 's policy '', even though Merchant had made a series of gross misrepresentations to me to induce me to make a purchase and had provided me with non-conforming goods. I even tried to return the product to Merchant, who refused to take them back for the full price paid, and made up a list of new terms and conditions which were not included in the original sales form, such as he would have to deduct the " value '' of the " gifts '' he had thrown into the sale, etc. On XX/XX/XXXX, I reinstated my disputes and asked Discover to reconsider. I listed all the legal reasons why Discover should have granted my dispute and submitted additional documents. On XX/XX/XXXX2, Discover wrote back stating they had already considered the dispute and they were denying it again. Discover failed to state the basis on which they denied my dispute. The legal bases for my dispute were : 1. The products that were he subject of the above 2 charges were never delivered to me, as both transactions were voided by me the day after the transaction. Under Federal Credit Billing Act ( FCBA ) 1666e, once the order that were the subjects of the first two transactions were cancelled, merchant was required to refund those charges to me promptly, but didn't. 2. Discover 's reasoning appeared to be that there was a third transaction many days later, pursuant to which certain products were delivered. However, this third transaction had nothing to do with Discover, and was paid with a different credit card. 4. Even if the third transaction concerned Discover, the third transaction was induced by a series of gross misrepresentations made by merchant to me. The products delivered pursuant to third transaction were non-conforming to what was guaranteed by Merchant in writing. For example, after I had inquired about a mattress model named " Impeccable '' which was 12 inches high, the mattress salesperson came back to me and said the company had just changed their model names to make them more " consumer friendly '' and they had renamed the " Impeccable '' mattress to " Clear ''. He put on the invoice that the " Clear '' mattresses he was selling me were equivalent to " Impeccable. '' After the mattresses were delivered, and proved to have zero support, I found out that he had lied about the mattress names being changed, and that the " Clear '' mattress he had foisted on me was 2 inches shorter, and therefore far less supportive, than the " Impeccable '' mattress. There is an email from the company stating they never changed their mattress model names, and the invoice states in writing that the " Clear '' mattress is " equivalent to the Impeccable. '' This constitutes clear fraud by the Merchant. yet, Discover chose to ignore this fact. 5. Another legal basis for my dispute to have been granted is that in California, retailers that wont give a full refund or credit, or allow an equal exchange, must clearly display their policy at each cash register and sales counter, or at each public entrance, or on tags attached to each item sold under the policy, or on the retail sellers order forms. California Civil Code section 1723. If a store violates this law by not clearly displaying their limited or no return policy, retailer must take the item back for a full refund. On the final invoice for the third transaction, I was promised an equal value exchange, but there was no mention of deducting the value of Merchant-branded gifts that Merchant had thrown in. The deduction of value of gifts was not listed anywhere in the store or on the invoice. Therefore, Merchant was in violation of CA Civil Code section 1723, and was obligated to give me a full cash refund. I was not bound by Merchants return policy. I have submitted the legal bases, and documents substantiating my account, to Discover twice. Any other credit card company would have granted my dispute under these egregious circumstances, where an unscrupulous mattress salesperson told me multiple lies before and after the sale and ended up delivering products that were non-conforming and non-functional.
Company Response:
State: CA
Zip: 90266
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I requested verification since XX/XX/2021 of this alleged debt that this company claimed I owe which they reported on my credit files. However, DISCOVER FINANCIAL SERVI failed to obtain the legal verification as required by law and did not send it to me. Furthermore, I have requested verification and validation, several times, directly through each of the Credit Reporting Repositories and each time they have reported that you electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.
Company Response:
State: FL
Zip: 34758
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I opened a Discover secured credit card, deposited {$500.00} on XX/XX/2021. According to Discover, after 6 months of on-time paying on all my credit accounts, I can 'graduate ' to an unsecured credit card and receive my deposit back. It is now well over the 6 months and when I called I am told that no one, not even the supervisor I spoke to or anyone else above him, can know why I haven't gotten my deposit back. My account is paid in full every month. I have no other credit cards and only two car loans, which I pay monthly. I find this a predatory practice where the only way I can receive my deposit is when the auto check each month runs and says I can. Not one human at Discover can provide any insight, only look at what the screen says, which is not graduated.
Company Response:
State: CT
Zip: 06770
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. DISCOVER PERSONAL LO XXXX I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are claiming this fraudulent account is mine. I have never had any goods or services with them or them they are knowingly and willingly reporting this fraud. They are also aware that my banking account was comprised and it was close due to fraud. They have caused me great damage and embarrassment also with emotional distress.
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-13
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I didnt open those account. I try to fix it it since the first time. Now my credit is bad. Please help me.
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2022-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I filed a police report with XXXX Police Department in Texas with the Report # being XXXX on a case of identity theft with Discover Fin SVCS LLC under account # XXXX across all three credit bureaus. I had a fraudulent credit card opened in my name which I regret doing I paid this account off after numerous attempts to collect debt from me from discover Fin SVCS LLC. My information was exposed in a data breach on the dark web and with me being young at the time I didn't know that I could dispute identity theft and I thought that I had to pay this credit card even though I had my identity stolen and I had no idea about disputes. Discover had also told me that if I paid this account this account would be put behind me and be removed from my credit report and would no longer hurt me. For the past 6 months this representative and discover lied to me. I am still being affected by this fraudulent credit card that was opened in my name as this account has 6 late payments and still isn't removed from all 3 of my credit bureaus. I sent in the police report along with FTC reports to all 3 bureaus with no avail. I need the CFPB help with this situation as I have no where else to turn to.
Company Response:
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2022-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A