Date Received: 2022-01-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Discover Financial Services has an inquiry on my credit report that I did not authorize on XX/XX/2020.
Company Response:
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am a consumer and I feel that my federal consumer rights have been violated. I heard that they ( Discover ) don't follow the CFR from what I see. On XX/XX/XXXX I mailed my payment out certified with a due date of XX/XX/2021. I thought that was plenty of time to credit my account. Unfortunately, I was shocked when I received the bill that was due the following month. So I called after I received the bill to make sure the payment was received via certified mail ( see attached ). The representative said they didn't receive any payments yet. So, I mailed a billing error notice statement on XX/XX/2021, to find out why my account was not credited via the payment that was send almost a month before. I have attached a copy of all that was sent in XXXX, please review.
Company Response:
State: IL
Zip: 60506
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A Discover card was opened in my name in XXXX without my permission.The card was eventually closed and charged off due to my identity theft affidavit. 4 years later they are still showing inaccurate information. According to XXXX, the account was charged off in XXXX of XXXX. XXXX shows that that card was charged off in XXXX of XXXX. Upon receiving requested statements, I noticed that they still have the account open after an alleged charge off. After the charge-off, Discover is now showing that I have been allegedly making payment after the charge off and the account was re-opened. I have attached a copy of the statements from XXXX starting from XXXX showing that a payment was made in XXXX of XXXX when on XXXX it says the account was charged off XXXX of that same year. Each of the 2 Credit reporting agencies listed are reporting completely different information which are both inaccurate. This has hindered me in many ways moving forward in my life due to this irresponsible reporting. I am looking to move forward without this hinderance.
Company Response:
State: NJ
Zip: 07090
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX Discover card listed above is reflecting the wrong balance owed. Discover has agreed to take payments over 36 months and advised they would post payments and demonstrate the balance is lower. They advised that this would be corrected but does not show a lower balance and payments made.
Company Response:
State: CA
Zip: 95747
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXXXXXX XXXX Account Number : XXXX This is not mine. 5. XXXX Account Number : XXXX This is not mine. experian 1. XXXX Account Number : XXXX This is not mine. transunion 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 5. XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 10033
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Per letter attached, Discover notified me that it reduced my credit limit from {$17000.00} to {$4000.00} as a result of : ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 ) Increase in XXXX Balances As Reported by Agency ( XXXX ) Bureau Reports Collection Item ( s ) in your credit file My first thought was, " Wow ... tax payer monies were used in recent crisis ' to support the financial institutions ( funds supported by tax dollars I pay ) and when I rely on a financial institution for access to funds for my security, " how easy it is for them to cut me off ''. Secondly, the reduction of {$13000.00} in credit limit, especially, when ( 1 ) I have never been late in paying them, ( 2 ) have just made a substantial payment in XX/XX/XXXX, ( 3 ) was only using approximately {$4000.00} if the {$17000.00} available credit, and ( 5 ) relied on the balance transfer promotions to monitor and secure my debt as a responsible financial citizen. Now, especially in this pandemic, I have a noose around my neck. A noose that Discover put their and is using to strangle me. And what really gets me disturbed is that NO ONE AT DISCOVER CARED TO LOOK AT ME BEFORE THIS ACTION WAS TAKEN .... I cared enopugh to make sure that Discover was paid - I lived up to my obligations- Discover offered me a line of credit - and now that some computer reports to them- XXXX XXXX XXXX XXXX Now, specifically, let 's look at my situation. ( 1 ) My income has not reduced - matter of fact- it has gone up, ( 2 ) increasing total balances- did Discover look at my credit report to determine what they were? How about financing for health related issues that appear on my credit report? Yes - I increased available credit so that I could regulate payments for medical services that I am undergoing and which will continue through XXXX - for which I was relying on the available credit that I had ( earned ) with Discover, ( 3 ) Additionally, yes, I have a number of new accounts opened that were secured by me- personally - because two of the business ' that I OWN - can not get financing on their own and need a personal guarantor- which of course- is me, ( 4 ) as for the increase in XXXX balances, some creditors report their term loans as a credit card instrument ... these are not bankcards. I have no new bankcards. All of theses are tied to the equipment that the business purchased for which my social security card was used for a credit rating and secured for a personal guarantee, and ( 5 ) as for XXXX XXXX XXXX XXXX ( s ) in your credit file, there are no new collection items in my report. The only collection item in my report ( in my financial history ) is the bankruptcy ( from XXXX - discharge date XX/XX/XXXX ) due to creditors coming after me due to the failure of a XXXX XXXX ( that I was member of - not the primary owner ) failed in business. I could go on and look forward to doing this with Discover. The point is that DISCOVER now has cut my throat with no concern to me as an individual ; yet alone an individual with a family of 4 - one 5 and one 6 year old, and one individual that created two new companies in XXXX ( despite the pandemic ) and is employing individual in this crisis. I was planning on using the available credit to maintain financial independence ( and recently asked Discover for the availability promotional offers to do this ). Then, I get this blanket letter attached to the message system in the Discover Card portal. Fantastic. How would Discover like it if their financers all of a sudden cut their throat? I am a good financial citizen and I have been wronged. Regards, XXXX XXXX XXXX XXXX.
Company Response:
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to DISCOVERBANK reporting and dispute with them. They were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this!
Company Response:
State: TX
Zip: 77502
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/XXXX, I submitted a complaint to Discover ( XXXX ), which included a Records Request of the application using my identity that was submitted to Discover to open the fraudulent account in my name. On XX/XX/XXXX, Discover responded to my complaint and acknowledged my above said Records Request ( acknowledging specifically the application request ), and Discover DENIED my Records Request. Today is XX/XX/XXXX, and Discover still has NOT complied with FCRA 609 ( e ). DISCOVER IS IN DIRECT VIOLATION OF : FCRA 609 ( e ). And also failure to comply with my FTC Identity Theft Report, number XXXX.
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Notice of Intent to Sue. CFR violations, FDCPA violations, Criminal violations, trust violations, breach of fiduciary duties, fraud and several other violations against the consumer. Listed in attached documentation
Company Response:
State: MT
Zip: 593XX
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on DISCOVERBANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted. ( DISCOVERBANK XXXX )
Company Response:
State: CA
Zip: 92627
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A