Date Received: 2022-02-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Dear CFPB Thank you for hearing me again over the last 8 yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over 6 times in a 5 yr period. The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed. My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. Im XXXX because in my city you cant have collections you cant rent. Even someone had got two evictions on my name when I was out of the country. I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree. I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the DOJ because I support victims of crime. I cant get Hired with these collections. Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over. With my line of work with victims of crime I cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane. IM XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly. I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe. DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? Im dying out here help me get this deleted again. Thank you
Company Response:
State: IL
Zip: 60076
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: DISCOVER closed my account on XX/XX/XXXX due to " not being able to verify my account information '' after I reported them for breaking laws, example taking longer than 2 billing cycles to complete an investigation, reporting extensions of credit, and never proved pursuant to title 15 chapter 41 1692g that I ever owed them any money, never sent my security deposit either. I start with that because today XX/XX/2022 I received a letter from DISCOVER dated XX/XX/2022 stating they can report my account to the consumer credit bureaus because my account information is valid. due to the extreme ignorance of every DISCOVER employee and especially XXXX the executive customer advocate I'm confused as to which one is true, the simple fact that my account was closed due to lack of verifiable identity but you claim you have enough valid information to report information to the consumer credit bureau make no sense at all not what so ever. I know nothing they say has any basis or facts supporting it, they will not send information via affidavit. Also, when my account was illegally closed without the consumers permission aka my permission they never sent any paper work with proof as to why they closed my account. This company has been violating my rights continuously. THESE are not allegations. These are facts. 15 U.S. Code 1666 - Correction of billing errors U.S. Code ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( XXXX ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( XXXX ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] 18 U.S. Code 242 - Deprivation of rights under color of law Whoever, under color of any law, statute, ordinance, regulation, or custom, willfully subjects any person in any State, Territory, Commonwealth, Possession, or District to the deprivation of any rights, privileges, or immunities secured or protected by the Constitution or laws of the United States, or to different punishments, pains, or penalties, on account of such person being an alien, or by reason of his color, or race, than are prescribed for the punishment of citizens, shall be fined under this title or imprisoned not more than one year, or both ; and if bodily injury results from the acts committed in violation of this section or if such acts include the use, attempted use, or threatened use of a dangerous weapon, explosives, or fire, shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated XXXX abuse, or an attempt to commit aggravated XXXX abuse, or an attempt to XXXX, shall be fined under this title, or imprisoned for any term of years or for life, or both, or may be sentenced to death.
Company Response:
State: OH
Zip: 44035
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX Discover Card Corporate Office Headquarters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by Discover On XXXX.I applied for discover cash back credit card As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Discover has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. BEST, XXXX, XXXXXXXX XXXX Without prejudice, all natural inalienable rights reserved.
Company Response:
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: In XXXX of 2021 I entered into a reduced payment plan agreement with Discover Student loans at $ 50 monthly payed automatically. The description of this payment plan was provided as being a minimum of 6 months and but was told I my would continue for a total of 12 months and that we would then reassess my financial situation at that time. However very suddenly in XXXX the payments stopped being auto drafted and am now being told the program was only for 6 months and being placed back in the same program was not an option. I had had a very good payment history and never missed a payment and they are now asking for hundreds of dollars monthly that I can not afford and threatening to charge off the entire loan. Additionally they have threatened to go after my co-signer who is my former step father. These loans were purchased by discover student loan years ago from XXXX student loans. Whole with XXXX, my step father had been removed as a co-signer, however after being acquired by Discover he was added back on without notice. My mother past away a few years ago very suddenly and my former step father is now remarried and lives in Florida. He already having been previously removed as a co-signer while held with the loan originator XXXX XXXX due to good payment history and that fact that my mother is dead, leaving him totally without any responsibility for these loans, and for Discover to threaten to go after him is wholly unacceptable. I have offered to continue with the same arrangement until I am in a better financial position to make my standard payments. I even offered to increase the payment amount to {$75.00}. Twice I have called and asked for the issue to be escalated to a supervisor for help and each time I have been placed on hold for greater than 30 minutes until the line suddenly disconnects. This would benefit both me and Discover as I will receive an affordable payment and Discover received a greater amount of net interest income over time.
Company Response:
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I previously had a Discover Card credit card in or around XXXX. During this time, Discover Card offered a free credit monitoring and identity theft monitoring products, which they forcefully marketed to Discover Card holders. I do not recall signing up for these monitoring tools. Then, my credit card account was charged off by Discover Card, and the debt was then sent to an outside collection agency. I paid off the debt in full, directly through the outside collection agency, in or around XXXX.Since the account was charged off in-house by Discover Card, I continue to receive excessive and unrequested e-mails from their credit and identity theft monitoring products, which I have not been able to access or use since my account was charged off ; I have absolutely no use or access to these tools because I am no longer a Discover Card credit card holder. Despite that, Discover Card continues to send me these e-mails that alert me to any new changes to my credit file or any potential identity theft, such as finding my Social Security Number on the Dark Web. There is no link in the e-mail to unsubscribe from these e-mails, and because I am not a Discover Card account holder, I have no possible way to log into my account to edit my e-mail preferences to discontinue these e-mails from Discover Card on their products that only applied to me when I was a customer with them. The e-mails are non-stop and abusive. I am also concerned that Discover Card is knowingly and willingly misusing my personal information through their credit and identity theft monitoring products. There is no reason, whatsoever, that I should continue to receive these e-mails when I have not been a customer in several years, and furthermore, there is no way to unsubscribe for their excessive and abusive marketing e-mails concerning a product I do not have any access to. These e-mails are being sent to both XXXX and XXXX.
Company Response:
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I was denied an extension of credit by DISCOVER BANK. On XX/XX/2022 I submitted a personal loan application through XXXX XXXX and was sent an Adverse Action notice from DISCOVER BANK on XX/XX/2022. The letter from DISCOVER BANK is proof and evidence that I have been discriminated against. DISCOVER BANK has violated my federally protected consumer rights.
Company Response:
State: NJ
Zip: 07011
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I spoke with Discover reps yesterday, XXXX, was advised accounts are closed, checking account overdrawn in the amount of $ XXXX including returned item in the amount of {$690.00}. This item is a check issued from XXXX XXXX XXXX XXXX, mentioend in prior CFPB complaint ( XXXX ), a relative deposited check into account under his name. It appears the relative made a claim for this amount with issuing bank, XXXX XXXX, whom in turn investigated item and was returned back to them as of yesterday, XXXX. I spoke with a XXXX XXXX with XXXX XXXX to verify return, was told it was not returned, it was denied... I then reached back out to Discover, was told funds were returned to XXXX XXXX, which does not match up with information provided by XXXX XXXX
Company Response:
State: CT
Zip: 06320
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Getting the loan
Subissue:
Consumer Complaint: On XX/XX/2022 i applied for a Personal Loan at Discover Bank and was denied.
Company Response:
State: MI
Zip: 48603
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Discover Card Corporate Office Headquarters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by Discover On XXXX applied for The Discover Card As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). XXXX XXXX has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Company Response:
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have recently received an email notification from Discover notifying me that they have decreased my credit line from {$13000.00} to {$500.00} and will close the account within 30 days due to inactivity and recent derogatory information reported by XXXX. Shocked by the information read, I subsequently pull my credit report with XXXX to learned about all the incorrect information reported on me. It appears that my mortgage servicer reported late and missed payments when I have been making prompt payment as agreed during the trial period of a loan modification. Not only did my loan servicer mislead me to agree on a loan modification that further increased my debt, they had also reported negative remarks to the credit bureau to prevent me from getting qualified for a refinance. After making several complaints, the mortgage servicer removed the missed payments but now I have Discover reacting on those false reports which make it very challenging to maintain the clean credit profile that I've worked so hard to maintain and build. I explained the situation to Discover Card but it was all too late as they claim the systematic decision irreversible and advised to apply again. As we all know, applying for new credit and having an old creditor like Discover since 2017 with zero balance suddenly close both have a negative impact to a consumers score. As a consumer that worked hard to maintain a good credit profile and earn a XXXX score isn't very easy, especially during this Pandemic. For Discover to further damage my credit with their account closure was unjustified especially acting on incorrect info. So now I'm a victim of both Discover and mortgage servicer, XXXX XXXX.
Company Response:
State: CA
Zip: 92705
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A