Date Received: 2022-01-26
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: To whom it may concern, I am writing to dispute a fraudulent item listed on my credit report. Upon reviewing my credit report to start the process of buying a home with my fianc, I was appalled to learn that an account from Discover Financial Services had been opened in the name of my burgeoning credit history that I did not authorize. I am getting married in XXXX of this year, and I am being penalized for a higher debt-to-income ratio for having this fraudulent item on my credit report. This discrepancy is impeding our progress of fulfilling our dreams to buy our first home. After reviewing the account, it appears that payments have been made consistently to pay off the balances accrued. However, any payment methods that have been used to pay these balances are not affiliated with my bank account nor institution. In addition, there is a phone number listed on my credit report that does not match my cell phone number with which I conduct business. I am requesting that the following item be removed from my credit history to correct the information as the fraudulent charge was not made in good will nor with my authorization and knowledge. The fraudulent item can be found below : Item 1 Account Name DISCOVER FINANCIAL SERVICES Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open/Never late. Status Updated XX/XX/XXXX Balance {$2800.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$83.00} Credit Limit {$5500.00} Highest Balance {$2900.00} Terms NA Please investigate this matter and remove the disputed item as soon as possible.
Company Response:
State: AL
Zip: 35211
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: DISCOVER FINANCIAL SER You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!
Company Response:
State: PA
Zip: 19023
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: 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 purchased concert tickets using my discover credit card. I was notified by XXXX that the concert was cancelled and that I would get a full refund in 30 days. After 30 days passed, I didn't see the credit placed back on my credit card, so I called Discover to file a dispute. I filed the dispute on XX/XX/XXXX. I just got notice on XX/XX/XXXX that the provisional credit that Discover had given me is now being removed and my dispute have been denied. My wife brought to my attention that Discover had violated Regulation E. I called Discover back and gave them permission to speak with my wife. My wife had informed them they had violated Reg E and asked why they are so behind with their processing. They gave her an excuse that they are behind with their work, but would not acknowledge what my wife was telling them as if they were avoiding the facts of the regulation. They promised to call in 48 hours. It has been 4 days and we have not received an email or a phone call.
Company Response:
State: OR
Zip: 97140
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
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 tried in the previous weeks and I tried again last night to get to enter a dispute both on the internet and telephonicaly. Last night some XXXX sounding dude said something about XXXX station, was gruff, you could feel him poking around, and had hung up on me. I think someone is tapping into my line because there was never a XXXX station before and the dude hung up. A previous woman when asking for the disputes department was prying all around why I wanted to enter a dispute what was it about instead of getting me to the disputes department previously told to ask for by the fraud staff that was none of her right to stall me and I never got to disputes just someone pretending to be from disputes. These strange actions are different then before. The discover service is supposed to work on line without having to get a call intercepted by unidentified people ; they never have publick operator numbers and one woman never entered anything into my account in past she wasnt even listed in their system as having talked to me when I called back and talked to a male staff to add more information to my record. Discover claims they hire Americans but the alleged staff is always prying or worse medaling and some have clearly not been Americans and there is never any proof sent to our e- mail that we called. It seems They have engaged in fabricating statements out of no where to the tune of approximately {$1900.00} back in XXXX through XX/XX/XXXX and attempting to dispute it got side stepped. A minimum of two times last year staff have robbed me fraudulently tacking on a charge of {$100.00} to enterprise charge in XX/XX/XXXX and in XXXX to XX/XX/XXXX they changed the balance forward $ XXXX from {$750.00} to $ XXXX.I have been bad sick so I never got a chance to get through the rest of the charges. And the charges are many times not discriptive enoughbut.that might.be a merchant issue. Tonight I tried on line again and it claims that I have to call and I tried to text an agent but it didnt work saying the service wasnt available. I spent over an hour through two calls waiting on line and never got through to the correct department only unknown characters prodding and arguing with us and it never sounds like you are even getting to discover without propper publik identification of employees and access to call logs there is never any proof to show when we call and we get no documentation sent to our emails some official notification when we call. Previous calls clearly indicate either my calls to discover are being intercepted by some unknown party and or that discover employees are not doing their job as per the service we are to receive and are stealing from people using ( 3 ) different methods minimum. Attempts to dispute charges in question have been difficult more as one time since XXXX with some agents contradicting the next. Now As a matter of system failure excessive wait times, and either calls to discover intercepted or employees outright LIEING and not documenting our calls including prying, prodding, or medaling with us this is why I am initiating this complaint. Discover call logs need to be made available to the publik then you could hear by the situation that in more as one instance alleged staff have lied to me and we are being prodded when we call in which couldnt occur if the on line system was working. I have to dispute XXXX charges, XXXX XXXX because we cant actually get to a billing department only a call center and they hadnt called back or emailed on last observation. I need the patreon ( I attempted a minimum of ( 6 ) times to pay and cancel for one account and patreons system still hasn't removed my data from their files and possibly has me in more as one account despite it was only one creator ) and I need other revolving charges stopped and removed from my file because these companies are coming back and and stealing from the people at different times after you legally cancelled their charges but discover didnt remove them from the file. The failed XXXX vpn which has refused to call or e- mail me that their damned service isnt working since day 1 it had constantly shut off and I had to manually restart it and then it stoped working completely in terms of a stupid display alleging it was functioning but never having any way to test what they allege they are helping. They have zero proper customer service and that the government.allows any of these companies to pedal in America that doesn't have an American call center staffed by fluent speaking competent people like Discover alleges is wrong. I am required to have a phone and e-mail and address these different companies need to have an American staffed office in America with proper telephone comunication. After the fact there sy application some how messed-up my phone because it functions like someone has tapped into my phone including it is slow and dysfunctional and my work card has been hacked into on XXXX XXXXe also. I see in my account they have refused to remove revolving charges that I legally cancelled and I was not refunded that money that XXXX and XXXX stole from me although they were legally cancelled. One of your own staff hangs up on people and it doesnt even sound like you are talking with government agents you are getting people at a home how do we know who the XXXX we are talking with all these companies and agencies playing cloak and dagger. Thanks for previous help because who would think with these corporations so terribly rich that they are so greedy and corrupt against the people.
Company Response:
State: NY
Zip: 10306
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To Whom It May Concern : I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be on there. I demand the account be deleted from my consumer report. DISCOVER FIN SVCS LLC Credit Card with account # XXXX with a balance of {$1300.00}. You are furnishing inaccurate and incorrect information on my consumer report. The reporting of such information has caused severe damage to my reputation, general mode of living and my ability to obtain credit for personal or household uses. You and your inaccurate reporting have damaged my livelihood. The reporting of these account ( s ) is/are violations of The Fair Credit Reporting Act 15 U.S. Code 1681s2 F ( Clause iii ) - Responsibilities of furnishers of information to consumer reporting agencies. ( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. ( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off. My account has been charged off according to my consumer reports and should not be reported according to the statue stated above! DISCOVER IS INTENTIONALLY BREAKING THE LAW UNDER THE FEDERAL CREDIT REPORTING ACT! IRS Publication 4681 ( 2020 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments Canceled debt. Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return unless one of the exceptions or exclusions described later applies. If the abandoned property secures a debt for which you are personally liable and the debt is canceled, you will realize ordinary income equal to the canceled debt. This income is separate from any amount realized from abandonment of the property. You must report this income on your return unless one of the exceptions or exclusions described in chapter 1 applies. Forms 1099-A and 1099-C. In most cases if you abandon : real property ( such as a home ), intangible property, or tangible personal property held ( wholly or partly ) for use in a trade or business or for investment that secures a loan and the lender knows the property has been abandoned, the lender should send you Form 1099-A showing information you need to figure your gain or loss from the abandonment. Also, if your debt is canceled and the lender must file Form 1099-C, the lender can include the information about the abandonment on that form instead of on Form 1099-A. The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in chapter 1. For abandonments of property and debt cancellations occurring in XXXX, these forms should be sent to you by XX/XX/XXXX. ACCORDING TO THE IRS PUBLICATION ABOVE CANCELED DEBT OR CHARGED OFF DEBT THE LENDER MUST FILE A 1099-C AND SEND A COPY TO THE CONSUMER. CHARGE OFF IS NO LONGER A DEBT BUT ORDINARY INCOME. ORDINARY INCOME IS NOT REPORTED ON A CONSUMER REPORT THEREFORE DISCOVER IS REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT! DISCOVER IS A FURNISHER OF INFORMATION TO A CONSUMER REPORTING AGENCY. DISCOVER IS PROHIBITED BY LAW TO SIEZE AND DESIST THE REPORTING OF INACCURATE AND INCORRECT INFORMATION. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. In conclusion I have shown you the reason why there is an error on my consumer report. You have been put on notice that inaccurate and incorrect information has been reported on my consumer report. Discover has caused me and my family severe harm due to your negligence and inaccurate reporting. This a final opportunity to cure and delete the erroneous inaccurate account from my consumer report. YOU HAVE 10 CALENDAR DAYS TO DELETE THIS ACCOUNT FROM MY CONSUMER REPORT OR LEGAL ACTION WILL BE TAKEN AGAINST DISCOVER.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I ask Discovery Card company why if the card has been close for 2 years why Im being charge Interest for a cash transaction and purchase transaction if Im not using a card the card has been closed for 2 years they told this is normal how could this be if Im not able too use this card please help me
Company Response:
State: CA
Zip: 90002
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Thank you for taking the time to read this. Upon review of my XXXX, XXXX and XXXX credit files I noted 3 payments that are reported as late. I have disputed the late payments already two times and I am sincerely hoping someone there can take a closer look at my file. The payments were, in fact, missed, but prior to me missing the payments, I called every month I was unable to pay and was unable to get through to your company ( XX/XX/2020, XXXX, 2020, and XX/XX/2020 ). I was affected by COVID and tried to get a deferment and couldn't get through and therefore accounts ended up being late. I am hoping you can make the necessary adjustment under the CARES Act.
Company Response:
State: WI
Zip: 53090
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
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: We were notified of a security incident by XXXX on XX/XX/2021 that involved my discover credit card. I called Discover immediately to report the data breach and found that there was already an unauthorized charge of ~ {$150.00}. I requested Discover to close the account and to diallow the charge. The rep promised to take care of both. A week or two later I received a new discover card. I called them again telling them to close the account, and told them that I did not request a new card. I asked the rep to check the account balance and was told there was ~ {$150.00} balance on the new card. It turned out that someone at Discover not only opened a new acct for me w/o my approval, but also transferred the fraudulent charge to the new acct. I requested the rep to close the new acct and explained the history of the charge. I got same promise. Then few weeks later, I received the statement of the new card still showing the charges. I called again and was promised that all will be taken care of. I countine to receive emails reminding me the balance is due and they eventually processed the payment yesterday ( I set up automatic payment ). My online acct has been locked since I reported the fraud so I couldn't access my acct info anymore. This is way beyond reasonable. Please help get my money back.
Company Response:
State: WA
Zip: 98021
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2022, I sent payment to Discover Payment Center at XXXX XXXX XXXX XXXX AZ XXXX via USPS. I used the negotiable instrument given by Discover Financial Services via payment coupon attached to the billing statement and endorsed it as directed via the Bill of Exchange Act. This payment was delivered and received by Discover as of XX/XX/2022. The company has yet to apply the payment to the balance, and settle the account. I am aware that if the bill is dishonored, there is discharge to the extent of the amount of the tender pursuant to UCC 3-603 Tender of Payment.
Company Response:
State: CA
Zip: 91773
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I noticed a discover card reporting on my cred report. I immediately disputed the card which was deleted but now the company has reported it again on my credit. As a consumer that alerted them to identity theft, I have the right to fair and accurate credit reporting, they did not provided me with any of the requested documents per their investigation to validate that this card was opened and authorized by me.
Company Response:
State: GA
Zip: 30046
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A