Date Received: 2022-01-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: TELEPHONE NUMBERS : XXXX XXXX XXXX XXXX XXXX XXXX PLEASE STOP ALL THESE SPAM CALLS WE HAVE BEEN ON THE DO NOT CALL LIST SINCE XX/XX/2003 2003
Company Response:
State: NY
Zip: 13501
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: CONSPICUOUS NOTICE As a Federally Protected Consumer, I demand to invoke my right to opt out in relation to disclosing my nonpublic personally identifiable financial information to nonaffiliated third parties. According to 12 CFR 1016.10, an opt out is given by direction of the consumer. I am requesting for DISCOVER BANK to immediately stop sharing my personally identifiable financial information with all credit reporting agencies and all other third parties. The personally identifiable financial information includes : information a consumer provides to you on an application to obtain a loan, a credit card, a credit union membership, or other financial product or service, account balance information, payment history, overdraft history, and credit or debit card purchase information, any information that a consumer provides to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account as defined under 12 CFR 1016.3 ( q ) ( 1 ) ( 2 ).
Company Response:
State: TX
Zip: 78244
Submitted Via: Web
Date Sent: 2022-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-17
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 was charged {$900.00} by XXXX XXXX XXXX. It turns out the items delivered and the offer did not correspond to the presentation made and the follow up session. I asked for my money back. XXXX refused. I contacted the credit card company discover. They provided a temporary credit. XXXX failed to respond in any way to Discover. I asked Discover to credit my account. Although XXXX as not responded Discover has again charged my card and reversed the temporary credit. I have asked them to recredit my account. If? XXXX refuses to respond then I want them to permanently credit my account.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Contact was made via USPS requesting competent documentation to validate my obligation to the alleged debt pursuant to 15 USC 1692g. Discover has failed to provide adequate documentation to validate the alleged debt. Discover is refusing to allow me to exercise my rights as a consumer and is furthermore causing injury and damage to my reputation by continuing to publicly report this unverified debt via various credit reporting agencies. A cease and desist was sent via USPS informing Discover of my decision to invoke my specified remedy as a federally protected consumer pursuant 15 usc 1692 ( c ) ( 2 ), Discover has continued to communicate with me in regards to the alleged debt.
Company Response:
State: AZ
Zip: 85283
Submitted Via: Web
Date Sent: 2022-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent discover a validation of debt and cease & desist letter on XX/XX/2021. Discover received the letter on XX/XX/2021. They only sent account " statements '' They never sent me actual validation of the DEBT. They violated me under the federal consumer protection laws. There are 5 requirements to validating debt under 15 USC 1692g.
Company Response:
State: TX
Zip: 75243
Submitted Via: Web
Date Sent: 2022-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-16
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I applied for a secured credit card with discover card.com. I was approved with deposit of {$200.00} the amount had to be paid prior to the application being fully approved. The {$200.00} was deducted from my account via XXXX and I was told my application was approved via email and my card was on its way. I received my car within a week and activate it with no issue I was advised I should be able to use my card. The following day in attempting to use the card it would not work. After calling discover customer service I was advised that they would need to receive copies of 2 years tax return directly from the IRS resulting in me needing to fill out a 4056-t IRS form XXXX I was advised that after paying my {$200.00} I would be able to use the card but this was a lie. The email that I received requesting that I fill out the 4056 did not have a discover logo or come from a discover email address so I ignored the email as it seemed fraudulent. I am blocked from using the card and if I refuse to give them the information my account will be revoked. Even in giving them the information it does not mean that my account will be able to continue. It was not advised that this was part of the application process and why send me the card if I was not approved. This is very invasive and fraudulent it seems on the part of discover they should not have customers.Asking for a refund of my newly submitted deposit should not take two billing Cycles when I have never had access to the card
Company Response:
State: TN
Zip: 374XX
Submitted Via: Web
Date Sent: 2022-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: In XXXX I noticed that Discover had decreased my credit line from XXXX to XXXX when I called them they stated it was because of when they did a soft poll on my credit report and the information that they found had them decrease the card but I find it really funny because that same week I was approved for another Discover card with a {$3000.00} line of credit and Discover is refusing to place my faves Discover card credit line back to the XXXX I never was late always paying my bill on time and I find this very absurd and very distasteful I never had my credit line decrease And this is truly embarrassing no documentation was sent out to me to inform me of this matter nor was a phone call
Company Response:
State: MD
Zip: 21239
Submitted Via: Web
Date Sent: 2022-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On my credit report it states inquiry from discover bank national credit card service. That I never did an inquiry for I dont have a discover card.
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2022-01-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Discover XXXX XXXX Discriminates. We started an application for a XXXX with with Discover Home Loans. We were told they do not do XXXX only XXXX XXXX XXXX. My husband XXXX spoke with the reps. and I emailed with them. At no point did they tell us that they do not offer any type of loan to people who own more than XXXX acres of property. They had multiple opportunities to tell us this as they had our address at the onset of the process. . 1. This practice is discriminates against individuals who farm, live in rural areas, and are of a protected age as large landowners are typically older. ( average age in 2020 was XXXX ). 2. This limitation was not disclosed at any time prior to or during the application process. We spoke to reps, emailed reps and had multiple electronic interactions in their portal. They inquired on our credit, lowering our credit scores, and wasted our time. This inquiry will increase our interest rate and lower our score jeopardizing our ability to obtain a loan with another company. The inquiries need to be electronically deleted using E-oscar or whatever the current quickest method to update ALL THREE CREDIT BUREAUS is.
Company Response:
State: OH
Zip: 43055
Submitted Via: Web
Date Sent: 2022-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am the consumer, original creditor and natural person. Discover Bank violated my rights by closing my credit card account -ending in XXXX without my consent or knowledge. Pursuant to 15 USC 1602, the closure of my account was unauthorized as I, the cardholder, received no benefit from its closure. Discover Bank closed my account because the alleged balance on the credit card account had not been paid however, pursuant to 15 USC 1602, the credit card account was an open end credit plan and should have no limit. Discover Bank discriminated against me by closing my account. Pursuant to 18 USC 8, all bills are the responsibility of the United States. Discover requested my account number in my last complaint however, I no longer have the credit card so I do not know the credit card number or account number. I have attached the notice that my account was closed and an old statements. I also attached the Discover portion of one of my consumer reports. Whether or not I have account number is irrelevant.
Company Response:
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2022-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A