Date Received: 2022-01-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Spoke to Discover fraud specialist regarding a recent denial letter of a personal loan that I have not applied for. Reference # XXXX XXXX XXXX. How can I prevent fraud from happening, or stop scammer from using my identity.
Company Response:
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
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: XXXX XXXX XXXX XXXX purchased on XX/XX/21. All information given in sales pitch was fraudulent and deceptive and was found out after rescission period was over. I was denied access to XXXX website until after rescission period was over and in fact never told there was a specific cancellation window. I have made numerous contact phone calls with Quality Assurance for this membership to be cancelled with 2 Certified Mail Letters sent to office in XXXX, FL on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, also sent a Cease and Assist Letter to XXXX due to extensive phone calls from XXXX and XXXX XXXX, calling me morning, noon and night on my phone. Post office states they will not accept mail sent, trying to avoid my correspondence. I have already disputed twice the charges to my Discover card due to services not provided as stated. I will be filing a complaint with Profeco against XXXX XXXX XXXX ( They have a XXXX rating of F with similar complaints ) and with Consumer Financial Protection Bureau against Discover. My other credit card company understood there was no way for myself ( consumer ) to discern the deception by reading the contract. With the multiple correspondence via Certified Mail to XXXX XXXX and XXXX XXXX XXXX to addresses provided with no receipt or acknowledgment accepted. There was no way the contract would have disclosed the price of a week being {$5000.00} compared to the {$500.00} we were promised. We did not have access to the booking site to verify false claim until after the rescission period. Purchase Price : {$47000.00} Down Payment : {$14000.00} Amount Financed {$35000.00} Monthly Payment : {$870.00} My other credit card has refunded charges due to deception and fraud by not providing any services promised. After reading the contract it was founded that the only benefit we purchased for this amount of money was to receive a 25 % discount on future vacations with XXXX XXXX XXXX. My spouse and I were never told this information. I see where the information sent my XXXX to Discover states we have already used services with XXXX, however the leisure cash that was provided was given as an incentive to attend their presentation. We have used no other services. We have been trying to cancel this membership since XXXX which was within 30days of signing membership contract. Full contract was not made available at time of signing and only deceptive benefits were discussed.
Company Response:
State: AR
Zip: 725XX
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
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: There are XXXX disputes open Where this company states theyll give a temporary credit while theyre researching and when it comes right down to it they dont credit you or they do and take it back and say they are still researching it. On the first amount of XXXX the item was returned to the original sender and they have the tracking that proves it. Yet they still are supposedly giving the company time to respond? When I have an issue with XXXX XXXX and they SEE that something was delivered back to the original sender they give a permanent credit XXXX they know I just showed them it was delivered and was returned to the sender. The one with XXXX is ridiculous. They know they do a XXXX day trial I ended the XXXX day trial the day I got the app so if XXXX looks into my XXXX ID which they would know they would see it was cancelled the same day the trial started - Ill attach what that app shows ( that Amount was XXXX for a year The last dispute I didnt get the dash cam in the box I got a second suction cup no dash cam and was told it was human error and yet have I seen a dash cam yet discover hasnt done anything on these. Ill just start using my other cards as I can see this particular company you can show them all the proof in the world and they dont care.
Company Response:
State: MA
Zip: 02760
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I initially submitted this complaint on XX/XX/2021, case # XXXX. The response from Discover was inadequate and did not address any of my concerns so I am resubmitting it. I signed up for automatic payments with my private loan servicer, Discover. During this process, I was able to make an " extra '' payment and was given the option of applying any extra payments to either the " principal balance '' or to the next month 's payment. I chose to apply extra payments to the principal, and have been making an extra {$50.00} each month for at least the last year. When I reviewed my statements for the past 4-5 months I noticed that all of my additional payments are being applied to " interest '' and not the principle balance as I request. Discover stated that " This payment and subsequent automatic payments, including any additional payments, have been applied to the principal and interest owing on your loan, in accordance with the payment hierarchy provided when you enrolled in automatic payments for the Minimum Payment Due plus the additional amount. You were informed that payments would be applied first to late fees ( if applicable ), then to the Minimum Payment Due amount and that the additional amount you designated would be applied to your highest interest rate loan in repayment ( or to the higher balance for loans with the same rate ). The additional {$50.00} monthly payment is being applied to your loan ending in 20 as this is the loan with the highest interest rate. '' Their own response does not make sense and they do not provide any evidence or support for their assertions. For example, it says that extra payments will first be applied to the Minimum Amount Due. However, this is a payment that is, in addition to, the Minimum Amount Due. So by their own description, the full {$50.00} extra payment should be being applied to the principal balance of the loan with the highest interest rate. Second, Discover 's response does not contain any evidence of how the extra payment was applied to " principal and interest ''. They say it went to both, but in fact, they are just applying the extra payment to the interest. This is not only counter to my clear instructions but also has the effect of extending the length of the loan period and unjustly enriching Discover.
Company Response:
State: PA
Zip: 16510
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I requested international wire transfer of {$30000.00} on XX/XX/2021 with Discover bank but the bank has wired the money into a wrong account and has not been able to retrieve or provide update on the recall status to date except telling me to wait and " I am not able to give you any information at this time. Call us back on XX/XX/XXXX if you don't see the money credited back to your account '' by the bank manager. The bank has not taken appropriate professional responsibility or discussed with me about any plan and refused to discuss a follow up plan with me. I have called Discover bank daily, discussed the status with the associate whom has been on the case, and followed up or provided the information from the beneficiary bank as the associate at Discover bank requested but, to date, Discover bank has not been able to officially provide me any update or status of where the money is and when the money will be credited back to my account.
Company Response:
State: IN
Zip: 466XX
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filled a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Company Response:
State: NY
Zip: 10031
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
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: reported it several times to discover company but they never paying attention. they keep on telling me its me. My signature on the card is like XXXX my intiial. I lost the card and reported to them but it was used already. it so easy to copy my signature. I told them to help me several times. its not my transactions. Nobody helps me. Please help me to fix this it gives so much impact in my credit score.. thanks
Company Response:
State: NV
Zip: 89032
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. Discover Bank & XXXX. {$430.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
Company Response:
State: NY
Zip: 10954
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: DISCOVER BANK WAS XXXX AND IT WAS SUPPOSED TO BE DELETED OFF MY CREDIT REPORT PLEASE REMOVE ITS SHOWING A BALANCE I DONT OWE
Company Response:
State: TX
Zip: 77038
Submitted Via: Web
Date Sent: 2022-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: DISCOVER BANK WAS PIUD AND IT WAS SUPPOSED TO BE DELETED OFF MY CREDIT REPORT PLEASE REMOVE ITS SHOWING A BALANCE I DONT OWE
Company Response:
State: TX
Zip: 77038
Submitted Via: Web
Date Sent: 2022-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A