Date Received: 2022-01-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I looked over my consumer credit report with XXXX, XXXX, and XXXX. they all have this DICOVERBANK account on my consumer credit report however each bureau is reporting on my consumer credit report differently with each credit bureau I disputed the information with XXXX and XXXX they are reporting false illegal and inaccurate information I would like this account removed, deleted, and blocked off my consumer credit report immediately
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is now the seventh time I am reaching out about this same issue. There is a remaining balance on the credit card that DISCOVER closed because I had filed a dispute for identity theft against them. Remove and delete the remaining balance. There was no reason to close the card as I had exceptional and on time payments on the card for XXXX years. As a result, I got cut off from credit that I had been using to make several everyday payments that I was no longer able to make because my credit card was closed. Because every extension of credit originates from my social security, also known as my open end credit plan, I am the original creditor of every extension of credit and debt obligation. Therefore, I am deferring the debt back to DISCOVER who is misrepresenting me, the original creditor. DISCOVER claiming that they are the original creditor is XXXX, XXXX, and misrepresents me as a natural person and the original creditor who is giving DISCOVER life as a corporation. Pursuant to 15 U.S. Code 1692, " means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. '' Pursuant to 15 U.S. Code 1692a, " The term 'debt ' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. '' Notice, debt is an " alleged '' obligation. To " allege '' means to claim as true with or without proof. Pursuant to 15 U.S. Code 1692a, " The term 'consumer ' means any natural person obligated or allegedly obligated to pay. '' Again, as my social security is where all credit extensions and debt obligations originate, I am the original creditor. I am now deferring the debt back to DISCOVER. Pursuant to 15 U.S. Code 1692k, " Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; '' As DISCOVER has violated me, deceived, and abused me as a consumer, original creditor, and natural person, they are liable to compensate me for the violations made. Congress protects me under these laws as a natural person against corporations who abuse consumers like DISCOVER. Please remove the remaining balance from my account, report positively to consumer reporting agencies about the deleted debt, and compensate me in an amount equal to the sum of damages done to me.
Company Response:
State: NJ
Zip: 087XX
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I looked over my consumer credit report with XXXX, XXXX, and XXXX. they all have this Discover Bank account on my consumer credit report however each bureau is reporting on my consumer credit report differently with each credit bureau I disputed the information with XXXX and XXXX they are reporting false illegal and inaccurate information I would like this account removed, delete, and blocked off my consumer credit report immediately
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: " XXXX from Discover '' repeatedly calls to lower my interest rate. The most recent call came from XXXX on XX/XX/2022 at XXXX AM XXXX I keep asking to be removed from the call list and block the originating number. Calls continue to come from different numbers ; which I then block as well. My phone numbers are in the Do Not Call Registry.
Company Response:
State: MN
Zip: 55420
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I contacted discover via certified mail about an alleged debt. They have reported negative information to the credit bureaus and the credit bureaus are saying they have sent in information verifying the debt. However, I asked discover for validation of the debt and a copy of my original signed contract ( as allowed by law ). I have attached the original letter sent via certified mail and also the signature receipt showing that my letter was received.
Company Response:
State: SC
Zip: 29418
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Repeated Cold Calls from " Discover '' offering to lower my interest Rate. I have not had a Discover account for years. I have repeatedly asked them to stop calling me ; but the calls continue. Most recent call came from XXXX on XXXX at XXXX AM CST My numbers are in the " Do Not Call '' registry
Company Response:
State: MN
Zip: 55420
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
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 am writing to request an investigation regarding my dispute for XXXX XXXX merchant for {$70.00}. I was told by several Discover representatives over the phone that kind of dispute was not something discover does. I spoke to two discover reps and they were rude over the phone and did not want to proceed with the dispute or reopening such dispute. On XX/XX/21 at XXXX I called and representative XXXX did not want to discuss dispute and was rude and refused to let me speak to a supervisor. XXXX said that a supervisor would call me within XXXX hours but nobody did. I think she did not put the request. About the dispute XXXX stated that this kind of disputes was not something Discover did. She advised me that the food was provided and since I had stated that food was not as described and defective is not something she could help with. She advised me to call the merchant and request a letter from them stating that they will provide a refund. XXXX was so ridiculous. I mean who is going to request such a letter. Then on XX/XX/21 at XXXX I called Discover again to discuss dispute and to see why a supervisor had not called me. XXXX a supervisor took the call and she also refused to discuss the dispute and told that such dispute with food quality we dont dispute that kind of issues. She also stated that the hamburger was not cooked well and had bones in it and ribs were dry. She abruptly said I chose to get food and I took it therefore I am responsible for it. Very unprofessional and rude representative as well. Some of these reps are not all that knowledgeable about the rights of customers. I was never also provided with documentation from the merchant for my own review. Surprising that I was told this by two representatives taking into account that this is not my first time filing a dispute regarding food that is defective or not as described. I told both reps that I would file a complaint and they reacted as they did not care or that their job was not in jeopardy. Totally arrogant attitudes. I believe that my rights as a cardholder were violated. I request that my dispute be resolved in my favor for {$70.00}.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Credit limit changed
Subissue:
Consumer Complaint: Discover bank decreasing my credit limit from XXXX to XXXX which I think is totally wrong they use old information that they claim they got from XXXX XXXX Im off of a automatic system that generates the same old incorrect in accurate information uploaded all current information and Discover still refused to place my credit limit back to where it was that they never sent me any notice about it no formal documentation I was told by They were the rep that told me that Discover doesnt have to let you know if they want to decrease your credit limit I pay my credit bills on time every month I have use my Discover card in many ways I was about to use it to expand my business thats when I found out that my balance was decrease I really wan na close my account out with Discover because I just really feel like Im being treated unfairly as a consumer they didnt even come back with her offer a counter offer which I shouldnt even need one because it was nothing wrong with the amount that I had
Company Response:
State: MD
Zip: 21239
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied to Discover for a credit card and was denied. I had a Discover card in the past and never was late or misused the card. In fact Discover canceled the card do to inactivity. Now years later that I want to reapply for a credit card with them I am denied. The adverse letter that was sent in the mail states status of existing/ prior Discover card account. I called Discover to find out what this was about and the only answer that I got from the representative was that it just wasnt time for me to get a card. I didnt understand what that meant because my old account was in good standing.
Company Response:
State: NJ
Zip: 08046
Submitted Via: Web
Date Sent: 2022-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX and I am filing this complaint against Discover bank on my own behalf, as a Federally Protected Consumer, without any connection or involvement with any third party. On XX/XX/XXXX, I submitted a validation of debt letter asking Discover to provide the following information within ten ( 10 ) days : 1 ) The identity of the original creditor, 2 ) Verification of their claim against me ( a sworn affidavit or a hand signed invoice ), 3 ) Copies of the contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX, the natural person, and Discover Bank, that prove I agreed to pay the alleged amount, and 4 ) Validation of the alleged debt ( the actual accounting. ) I told them in my letter that if they were unable to provide the above information within the 10 day period, then the account must have a zeroed balance and left open in good standing, so as to not cause anymore damage. I also asked for a certified mail copy of such be provided to me for my records. As of XX/XX/XXXX, it has been 14 days since Discover has received this mail, and I have not heard or received anything back besides the certified mail receipt that shows they got my packet. I made copies of what I sent Discover via certified mail and have attached it to this complaint along with the certified mail receipt that shows Discover has received it.
Company Response:
State: TN
Zip: 37421
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A