Date Received: 2022-01-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hard Inquiries for opening credit lines using my SSN but not made by me for the following companies : XXXX XXXX - XX/XX/2021 Discover - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 Discover - XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 Discover - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 Discover - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 Discover - XX/XX/2021 Phone calls have been made to the credit Bureau they told me I had to call each company individually which sounds ridiculous since none of these false inquires were created by me. Ive called XXXX XXXX and had an opened fraud account closed and they said I had to talk to the application department to remove hard inquires, which I was on hold with for an hour before being disconnected. Id like all of these false inquires to be removed as they are unfairly impacting my score. Please let me know what else is needed to remove these inquires.
Company Response:
State: TX
Zip: 75254
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Discover Card has been charging me outrageous interest rates for the last 3 years. I always make my payment and my bill never goes down, ever.
Company Response:
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
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: bought 2 cameras recieved they were not working, tried to find out persons address thru XXXX unsuccesful disputed charge with discover credit card company as i used that as payment. discover denied my dispute and closed dispute. i called discover several times spoke with XXXX and XXXX in customer service no help asked to speak to a supervisor they guaranteed a supervisor would call me in 24 hours they never called. i asked that my dispute stay open so i can send the damaged cameras back to seller as atleast XXXX after several calls gave me address. discover basically told me waste of time as my dispute is closed. discover says you are protected when you use there card no protection and get the run around and tell you basically your out of luck. i am stuck with damaged goods and no recourse to get refunded my XXXX dollars from discover card in XXXX XXXX XXXX utah. this is unfair business practice and fraudulent. i recieved damaged goods and have to pay for them with no recourse from them.
Company Response:
State: RI
Zip: 02919
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: The company respond however I need there answers on their company letterhead XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Discover card account ending in XXXX ( Charged Off ) Consumer Financial Protection Bureau XXXX XXXX : XXXX Dear XXXX XXXX I, Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB XXXX XXXX To ensure your concerns are efficiently addressed, your inquiry has been forwarded to my attention within the Executive Office of Customer Advocacy at Discover. We appreciate you bringing the concerns regarding the repayment and settlement of your Discover Card account to our attention and regret to hear of the difficulties that you faced. Our records confirm, your account charged off due to nonpayment in the amount of {$3500.00} on XX/XX/XXXX. We understand that sometimes our customers may experience financial challenges and we welcome the opportunity to assist them. Although, we can not accept your offer of {$950.00} to settle the account at this time, there may be repayment options to help you. Please contact our Customer Assistance and Recovery department at ( XXXX ) XXXX, to discuss any option that may be available. Thank you for allowing me the opportunity to address your concerns. Should you have any further questions, please feel free to contact me, or a member of the XXXXecutive Offices at the telephone number below. I am available Monday Friday : XXXX a.m. XXXX p.m. XXXX. Sincerely, XXXX XXXX Executive Office of Customer Advocacy Due to the age of your account, Discover Bank is not able to file suit against you, but if you take specific action such as making a written promise to pay, the time for filing a suit will be reset. We would like to work with you to resolve your account balance. '' CC : Consumer Financial Protection Bureau
Company Response:
State: VI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: I had a loan with DISCOVER PERSONAL LOANS and due to XXXX XXXX and relocation and provided discover with updated address to receive bills but never arrive.
Company Response:
State: VI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received several calls from XXXX in regards to owing a debt. I told them I minimally used this card since opening the account. There were tons of charges on the account that I didnt authorize. I called into XXXX XXXX department and they did nothing to help me. Ive been violated according to 18 US Code 1028a. They charged off my account without my consent and has caused great financial hardship due to them not doing there job and investigating the fraud that took place.
Company Response:
State: IN
Zip: 46514
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
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: This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a {$3800.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file. ( DISCOVER BANK XXXX Date opened XXXX XXXX, 2018 Balance {$3800.00} )
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On XXXX XXXX, XXXX I went online with Discover Bank to open a Savings account. When I got to part to transfer my funds from my bank to Discover, there website did not take the transfer, for what ever reason I have no idea, and I followed there instructions as said online. So while it was still trying to transfer the money and saying it would only take 1 minute, I called Discover Bank. The gentleman told me wait till Thursday XX/XX/XXXX and if you haven't received a email call us back on Thursday ( XXXX ). On Thursday XXXX, XXXX I called Discover Bank and the guy told me to now wait for a letter to come in the mail. Why? I asked, they said they have to make a decision first,. So waited a week NO email or Letter in the mail... so called Discover Bank again on XXXX XXXX, XXXX and guy told me the same thing " wait for a letter to come in the mail for a decision '' I asked to talk to a supervisor and he said they would say the same as him and refused to push me up the ladder. I feel that they are trying to get out of doing this savings account opening because they don't want to pay the bonus that comes with it. As attached letter shows I have the proper papers to get it, including proper dating ( Offer ends XX/XX/XXXX ) ..and nothing should hold me back otherwise. I qualify. Going for the {$25000.00} for {$200.00} bonus. Thank you.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
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 purchased a XXXX XXXX in the amount of {$3100.00} through XXXX with my Discover card. I returned the lens on XX/XX/XXXX via XXXX return XXXX label within XXXX 30 day return policy. The lens was confirmed returned at XXXX XXXX XXXX XXXX warehouse on XX/XX/XXXX. When I didnt receive a refund on my Discover card, I called XXXX multiple times to request a refund. Every time I spoke with someone from XXXX they assured me they showed that the return was received and the refund would be processed. On XX/XX/XXXX XXXX sent me an email confirming the refund request. I still had not received the refund so I called XXXX again and they referred me to a specialist team. On XX/XX/XXXX XXXX emailed me requesting proof of the return. I replied with proof of delivery from XXXX. I did not get a response so I contacted XXXX again and they again referred me to a specialist team. On XX/XX/XXXX XXXX emailed me requesting proof of the return again. I replied with proof of delivery from XXXX again. I did not get a response so I contacted XXXX a XXXX time and they again referred me to a specialist team. On XX/XX/XXXX XXXX emailed me requesting proof of the return again. I replied with proof of delivery from XXXX again for a XXXX time with no response. On XX/XX/XXXX I disputed the charge through my Discover card because of XXXX failure to issue a refund after receiving the returned lens. On XX/XX/XXXX I received an email from XXXX that a chargeback adjustment was made to my Discover card because of the dispute. On XX/XX/XXXX I received an email from Discover stating that they have NOT found in my favor, are reversing the temporary credit, and closing the investigation. Discover closed the case stating that XXXX provided documentation and they found no issues with the dispute. The documentation that XXXX provided was that they do not have to refund me because they never received the return but in the next line they also provided the same proof of return from XXXX that I have been providing as well. I called Discover again and asked them to explain to my why they sided with XXXX and a Discover supervisor told me that I needed to get written confirmation from XXXX that they will refund the charge specifically to my Discover card. I supplied Discover with their requested documents of an online support chat with XXXX and an email confirmation that they will refund my Discover card back. I have been going back and forth with both Discover and XXXX to no avail. XXXX is saying that the chargeback is a refund and Discover is stating that it is not a refund. Discover is still holding me liable for the charge even though I have proof that the lens has been returned. XXXX has provided them with the same proof of the return as well. I have talked to multiple Discover supervisors that tell me they are forwarding my case up the line but I still have no resolution. I have attached multiple supporting documents. I would greatly appreciate some help here. I feel like I am getting the run around by these guys. Thank you for everything you can offer to help. Timeline XX/XX/XXXX XXXX XXXX XXXX from XXXX with Discover card. XX/XX/XXXX Returned XXXX XXXX via XXXX with XXXX return label within 30 day return policy. XX/XX/XXXX Return was received at XXXX XXXX XXXX XXXX warehouse via XXXX. XX/XX/XXXX Received email from XXXX confirming the refund request. XX/XX/XXXX Received email from XXXX requesting proof of the return, I replied with the proof of return delivery via XXXX. I did not receive a response. XX/XX/XXXX Received a XXXX email from XXXX requesting proof of the return, I replied with the proof of return delivery via XXXX. I did not receive a response. XX/XX/XXXX I disputed the charge on my Discover card because of XXXX failure to issue a refund after receiving the return. XX/XX/XXXX - Received a XXXX email from XXXX requesting proof of the return, I replied with the proof of return delivery via XXXX. I did not receive a response. XX/XX/XXXX Received an email from XXXX stating that a chargeback refund was issued to my discover card. XX/XX/XXXX Received another email from XXXX stating that a chargeback refund was issued to my discover card. XX/XX/XXXX Received an email from Discover that they were still investigating the dispute. XX/XX/XXXX - Received another email from Discover that they were still investigating the dispute. XX/XX/XXXX Received a letter from Discover stating they sided with XXXX in the disputed transaction which included the documentation that XXXX provided to them. In the documentation XXXX stated that no credit is due because the merchandise has not been returned, then provided the return invoice that proved it was returned in the next line. XX/XX/XXXX I spoke with Discover and asked why they sided with XXXX when they clearly showed proof that they received the retuned item. They told me that they were forwarding the case to a supervisor. XX/XX/XXXX Received an email from XXXX stating that the dispute has been resolved between XXXX and my card issuer, therefore they would not be able to reimburse me. XX/XX/XXXX I spoke with a supervisor at Discover and they stated that they needed a letter from XXXX stating the refund was to be issued specifically to my Discover card. XX/XX/XXXX I started an online chat with XXXX requesting a proof of a refund to my Discover card. They stated they already refunded the charge back on XX/XX/XXXX. I told them that according to Discover the chargeback was not a refund and they needed a letter stating that a refund would be issued to my Discover card. XX/XX/XXXX Received an email from the XXXX rep I chatted with requesting a refund to my Discover card. XX/XX/XXXX Received an email from Discover that they could not continue the dispute. XX/XX/XXXX I spoke with a Discover supervisor and was promised that the dispute will be forwarded to a higher up supervisor for additional review because they state that Amazons chargeback on XX/XX/XXXX is not a refund and that XXXX still owes me a refund because they received the returned lens on XX/XX/XXXX.
Company Response:
State: CA
Zip: 92614
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
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: The company has violated my FCRA many times in which is a violation of my rights!!! I have reached out to the executive office and still did not get the proper resolution. I also sent proof of these FCRA violations, and the creditor still did not take proper action. I have reviewed different reports from XXXXpresent and there are multiple FCRA violations that the creditor has violated!!! Under the Fair Credit Reporting Act ( FCRA ), I have a right to the fair and accurate reporting of my credit information. Reporting a balance after the account is paid off in full is a FCRA violation. Reporting different account statuses, balance, and payment history among all 3 credit bureaus is a FCRA credit violation. According to section 607. Compliance procedures [ 15 U.S.C. 1681e ] Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. This company has violated this FCRA section and is obligated to remove this account per my request! Not complying with the FCRA can subject this company to statutory damages of $ XXXX {$1000.00} per violation.
Company Response:
State: NC
Zip: 281XX
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A