Date Received: 2022-01-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This company continues to harass me over debt that doesn't belong to me. I've sent in proof of its fraudulence, yet they continue to report it as accurate. In fact, XXXX deleted the accounts due to its lack of merit, but this company had it added back on which is illegal and a violation of my rights. This is causing me extreme anguish and I'm considering litigation. Please remove this account from reporting to the credit bureaus.
Company Response:
State: CA
Zip: 94607
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: To Whom It XXXX Concern : Since XXXX of XXXX, my income vanished. The pandemic put a stop to my newly started " business '' of working events and festivals. This was an endeavor that I had just started in the fall of XXXX. Things were starting to take off when the pandemic stopped everything. I have been scrambling to keep a roof over my head and to find work. The job market in XXXX is not rebounding and the city is in shambles ( regardless of what the reports say ). I still haven't found work. I defaulted on all of my credit cards in XXXX and stopped paying my monthly IRS bills because I was out of money. I continued to pay my Discover card because the minimum payment was {$40.00}. per month. I haven't used it since before XXXX of XXXX. The balance was and remains {$1200.00} though I've paid each month until XXXX of XXXX when I missed a payment by 35 days. The IRS told me I couldn't continue making payments to other creditors when I couldn't keep payment them, but with the low obligation, I kept paying. When I logged into my Discover account to make XXXX months of payments which should have been {$82.00}, instead they wanted {$190.00}! and told me my payments would now rise to {$89.00} per month until I could prove my worthiness. I replied explaining that their charges were a hardship and told them I'd had the card for many years and NEVER missed a payment until now. I told them how the pandemic impacted me and they basically repeated their " offer '' of help which increased my payments. I told them to CLOSE MY ACCOUNT and stop incurring additional fees. I told them I was unable to pay and saw no clearing in the near future to continue payments based upon the entirety of my financial and job situation. Months later, they have kept my account open and they continue to rack up charges when the total balance was only {$1200.00}. I have written and spoken to them and told them to close the account. Instead of closing the account and sending me a final statement, they call all day long every single day. Minutes after XXXX and up to XXXX each night. They are not the only creditors calling, and coming to my door! I don't know how a person can think let alone catch a job-related call when this kind of collection effort is happening. I don't know what it takes to stop the interest from accruing and to close an account but I DO NOT AGREE TO ANY ADDITIONAL CHARGES OR FEES ACCRUED AFTER XX/XX/XXXX WHEN I TOLD THEM TO CLOSE MY ACCOUNT. Here is a copy of the letter I mailed to Discover Card Services on XX/XX/XXXX. It was printed and mailed at XXXX XXXX and the receipts are not only in my records but the postal center can verify this was mailed. I have also spoken with Discover via their message app : Dear Discover Card Services, I apologize for my inability to make my payments to Discover in a timely manner. I am unemployed and without money. I am also in debt to the IRS and multiple other financial institutions for substantial sums. I tried to make my last payments to you and though I was late, what should have been approximately XXXX XXXXwith your added feeswas increased to {$190.00}. I wrote to you via your messaging option. The person offered a slightly lower minimum payment, {$110.00} ( I think ) but wanted {$89.00} per month moving forward. My payments were usually around {$41.00} and I could barely eek by paying that. I was trying to keep up on this account because of the lower monthly amount, frankly, I shouldnt have. Ive not asked for any kind of Covid relief until this point, though my financial situation is terrible. The additional fees youve imposed make it impossible for me to continue. Ive submitted a request via email and the message application and I wanted to formalize it please close my credit card account. I would appreciate it if you could mail and email me the final balance, which I will not be able to pay. I need a record of the amount due for when I am able to. Thank you, XXXX XXXX XXXX XXXX
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
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.
Company Response:
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account deleted from my consumer report. DISCOVER FIN SVCS LLC Credit Card with account # XXXX with a balance of {$1300.00}. I demand the reporting company cease and desist pursuant to federal law. The reporting of these account ( s ) is/are violations of 15 USC 1692 c ( c ), The Fair Credit Reporting Act [ 15 USC 1692 c ( c ) ] ( c ) CEASING COMMUNICATIONIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. The reporting company is in violation of the federal law under the FCRA. The reporting company does not have permissible purpose to report the account information above pursuant to 15 USC 1681 b. I demand this account be deleted from my consumer report.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I am a man/natural person and this is not a credit repair company. On XX/XX/XXXX, I was discriminated against as I exercised my right as the consumer/benificiary in a consumer credit transaction when I applied for a credit card with DISCOVER which is a violation of the Equal Credit Opportunity Act. My personal information was used on the application as well as my location information to submit application. From my understanding, banks do not lend money or extend credit as we have been bankrupt since XXXX. 12 usc 83 - No national bank shall make any loan or discount on the security of the shares of its own capital stock. DISCOVER became trustee to my social security trust as this is a trust action. They deprived me of my rights to extend credit which is a violation of 18 usc 242. They have committed trust fraud, bank fraud, and securities fraud. Each holding a fine from {>= $1,000,000} to {>= $1,000,000} Pursuant to 15 USC 1, 15 USC 2, 15 USC 78ff. I received no benefit which is unauthorized use of my credit card 15 USC 1602 ( p ). In order to clarify that there has not been any false claims of securities, illegal securitizations, trades, hypothecating, interest, and proceeds fraud entry misapplied in my name, as benificiary of the account Pursuant to 15 USC 44 Im asserting my rights to acquire documentary evidence for the books of account as defined in IRS 583. Id like to access record keeping of both journal and ledger credits of the account, as well as ledger and debits of the account, in order to verify the current accounting and taxes related to this account. This will allow me to reaffirm my status as the benificiary and you in fact have been loaned the amount in question. This will also confirm aggravated identity theft as you are conspiring to profit without my knowledge or benefit when you are trustee to my trust. Failure to produce said documents will be deprivation of rights as described before and {$10000.00} and/or 5yrs in prison for any. You have committed theft by deception and embezzlement both federal crimes. 18 usc 656- theft by embezzlement by bank officer or employee shall be fined {>= $1,000,000} or imprisoned not more than 30yrs. I would like this published for the public to see how corporations defraud consumers by the millions.
Company Response:
State: VA
Zip: 22315
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Reference XXXX. To whom it may concern, On XX/XX/2022 as an existing cardmember of Discover I was per-qualified for another credit card offer for which I've applied on XX/XX/2022. The status of prequlifying and assurance of extended speed of process as an existing card member of Discover made me consider this offer to an extent of application. On XX/XX/2022 I've received a notification that in order to finalize the application I need to give a call to XXXX and speak with Discover agent. Per this instruction I've gave a call to Discover at approximately XXXX on XX/XX/2022. As a victim of identity fraud in the past, I always make sure to take extra step to protect my information. Because of that there is a 'fraud alert ' on all of 3 major credit bureaus reports, advising lenders to verify the application with me by calling on the phone number listed on the report ( 'Method ' ). This is something I was expected to have with Discover as well as a part of the procedure. Instead I was informed about some form, issued by IRS, which needs to be signed by me ( which as I write this letter ) still haven't been received by me and then wait additional 7 business days. This is extremely confusing, frustrating and misleading, especially for a customer of 3+ years expecting streaming of the whole process.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
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 some pots and pans for a friend for XXXX, they did not want them so I returned them for a return. XXXX kept telling me I needed to wait for it as it already shows that it was delivered to them. I returned the item XX/XX/XXXX on a Tuesday and they got the return on the XXXX of XXXX and it shows delivered. It even says return received on the website and I still havent received my refund. I have uploaded proof of tracking and all of this and it still says that the transactions was found valid. This was very expensive and Im extremely upset that this company doesnt look at the uploaded documents you provide for these disputes.
Company Response:
State: MI
Zip: 48192
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I believe I am a victim of identity theft. Despite the multiple previous written requests, the account listed below still remains on my credit report in violation of Federal Law. I disputed the fraudulent information on DISCOVERBANK from my credit report and I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Finally, there is no name associated with this file & needs to be deleted due to inaccurate info. Please investigate and remove it from my personal credit file. Thank you. ( DISCOVERBANK XXXX )
Company Response:
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Company Response:
State: CA
Zip: 92139
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: According to a XXXX XXXX with Discover, funds in my accounts are on hold due to possible fraud activity as of XX/XX/XXXX. It appears the fraud referenced is a check a relative deposited into my account via mobile app in XXXX or XXXX of XXXX, the amount of {$690.00}. The account was opened under my name because the relative, a cousin with same name, is unable to open deposit accounts due to credit issues. He used my account to deposit a check issued by XXXX XXXX, supposedly issued in his name but my have intercepted check from another party, thus the reason for suspicious fraud activity. I attempted to reach XXXX in re, was unable to reach via phone. The funds from check are no longer in account as far as I know. Please provide this information to Discover to assist in issuing remaining funds in accounts, if any.
Company Response:
State: CT
Zip: 06320
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A