Date Received: 2021-12-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them from XXXX and XXXX. Please see below the list of accounts that are reporting derogatory on XXXX and XXXX. XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. XXXX. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.
Company Response:
State: NJ
Zip: 07011
Submitted Via: Web
Date Sent: 2021-12-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XX/XX/XXXX I was sent a letter stating my account was being reviewed and closed without any explanation.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have contacted Discover multiple times in regards to an account I used to have with them which shows a delinquency for some reason. I have been with them for over ten years. Out of nowhere Discover decided to close my account with them despite my prior ten years of history that I had with them. On one of the account that was closed, I still had a balance that I was making my monthly payments on. However, after the accounts were closed, Discover decided to make another arbitrary decision and restrict my access to the online banking software and thus restricting my method of payment. I couldn't reach them over the phone to make my payments because every single time I contacted them they were unable to help me and they thought that I had to speak with the Fraud Department of Discover for some reason. I never claimed the account was fraudulent, I always told them that I had to make a payment but by the time that Discover was able to process my request they gave me the worst time ever which led my account to be delinquent and past due on the payment. Discover from the beginning of this calendar year of 2021 and they have been passing judgements and arbitrary decisions regarding my accounts and personal information. I had flawless history with them yet the decided to close my accounts. Then, they decided to make another arbitrary decision of restricting my access to the online banking software so I can not make my payments. Ever since then, I have been contacting them personally to make my payments through the phone.
Company Response:
State: CA
Zip: 91606
Submitted Via: Web
Date Sent: 2021-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I started dispute ( s ) on multiple transactions on my DISCOVER CARD starting back in XX/XX/2021. DISCOVER said they would look into the disputes and in the mean time credited me back the funds. 3 months later late XXXX DISCOVER CARD reverses all the credits they gave me and said I owed them with no proof or explanation sent to me. The entire time while these transactions were in dispute they reported inaccurate and invalid information to my consumer credit report reporting I owed a balance. I told DISCOVER employees that this was a violation of Title 15 U.S Code Chapter 41 1666 ( B ) and ( d ) Correction of Billing error by taking more than two billing cycles to finish the disputed transactions investigation, reporting to my consumer credit report the entire time incorrectly stating I owed a balance when in fact I disputed the transactions thus such negligence ruined my consumer credit report and once I brought up these violations they meaning DISCOVER stated I must provide verification or my DISCOVER account will be closed. Verification as in my Social Security Number. I make this complaint today on XX/XX/2021 due to the fact they are still committing this fraud, illegal activity willfully and knowingly. XXXX from the executive department has received my complaint, emailed me but somehow after all this time I owe them a new balance when my account has been frozen for almost two months. I was owed {$240.00} proof in the attachments, now they balance transferred who knows what and now I allegedly owe them money. This is Non sense. If this persist I will be seeking legal council for legal suit for Civil liability pursuant to 15 U.S Code 1640 and Criminal liability for willful and knowing violations. As demanded in my last CFPB report I want my {$240.00} owed to me back, I demand my security deposit you illegally took back which is {$300.00}, and I demand {$6000.00} in compensation for violating my consumer rights, wasting my time, stressing me out, and not taking the matter serious and all the illegal activity you have committed like freezing my account, sending me letters demanding my Social Security Account Number and stating if I do not you will close MY account.
Company Response:
State: OH
Zip: 44035
Submitted Via: Web
Date Sent: 2021-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX, I discovered that I had several credit cards on my credit report that I had never heard of or seen. I suspected my mother had opened these cards under my name and social security without my consent or knowledge. Many of these cards ' addresses, phone numbers, etc. were listed under her addresses and phone numbers. The following day, on XX/XX/XXXX, I spoke with a police officer from my local department ( XXXX XXXX, XXXX ). When I explained to him that the crime began in and occured in XXXX while I was still living in XXXX he recommended I make a report out with my local police department there due to state jurisdictions. On XX/XX/XXXX, after several phone calls, I was able to file a police report over the phone with the XXXX, XXXX police department. Following this, I contacted Michigan Consumer Credit Lawyers ( a branch of XXXX XXXX XXXX XXXX XXXX ) to get advice or help disptuting the fraudulent account. Over the course of the next few months, until XX/XX/XXXX, I had several communications with the and provided them a copy of the police report I filed as well as copies of a few bills I had received in the mail. On XX/XX/XXXX, they mailed dispute letters to XXXX, XXXX, and XXXX. Following this, I began to letters from some credit card companies asking me to mail them a copy of the police report and/or fill out fraud affidavits. On XX/XX/XXXX, I recieved an email from their office stating they were closing my case and that the attorney did not want to take on my case. Following this, I began to contact each individual card company in order to get the fraudulent accounts removed from my credit report and my responsibility. For many of these companies, I filled out their fraud affidavits they mailed to me, and also mailed copies of the police report, proof of residencies going back to XXXX of XXXX, and copies of my driver 's license. By early XXXX XXXX 11 out of the 13 companies had found the accounts fraudulent and removed them from my credit reports and are not holding my responsible for the accounts. The other two accounts that remain are Discover Financial Services and XXXX XXXX XXXX XXXX. For Discover, I have mailed them copies of the police report ; my proof of residencies from XX/XX/XXXX to now ; copies of my passport from when I was out of the country while the account was open ; and copies of my correspondance with XXXX XXXX XXXX XXXX XXXX. The account has been investigated twice, and each time they found the account not fruad. As of right now, they will not reopen the invesitgation without " additional informaition ''. They have told me they are waiting to hear back from the detective investigating my case ( Det. XXXX XXXX, XXXX, XXXX police department ) to decide if they can reopen the investigation. I have spoke with the detective a few times asking him to return the calls they made to him, and he has told me he will get to it when he can. The last time I had spoke with Det. XXXX was XX/XX/XXXX. I have not checked with XXXX to see if they have spoken with him since XXXX XXXX, XXXX, nor have I receieved any correspondance from them. Starting on XX/XX/XXXX, I started to receive daily calls from Discover attempting to collect payment on the account I am disputing. Despite discussing with them several times that the account is fraudulent and that I am still disputing it, they refuse to stop attmepting to collect payment and have reported me 60 days late on the account. I was taken off their call list after two weeks of phone calls, at my request, but they continue to send me statements in the mail. I am currently attempting to get a lawyer, but I'm a XXXX currently and so I have to find one that is willing to represent me for free beause it is not something I have the finances for at this time. I have no other information to give to Discover, and have provided them with a much larger amount of documentation that I have to any other card company that has found their accounts fraudulent. Due to all of this, I would like to file a complaint against Discover Financial Services for attempting to collect a disputed debt, and for holding me responsible for an account for I which have provided suffcient evidence that it was not opened nor used by me.
Company Response:
State: TX
Zip: 77840
Submitted Via: Web
Date Sent: 2021-12-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
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: Discover card disputed my claim wrongfully and will not take ownership of their mistake. Claim was submitted as Services not rendered instead of Services not as described, in the financial world this makes a huge difference on claims because it is two different reasons however discover states this would have had no effect on my case which is a lie also claimed the reason codes are the same for these reasons and that is also a lie. Attempted to speak to a supervisor but they just declined my claim and charged the fee back.
Company Response:
State: VA
Zip: 22180
Submitted Via: Web
Date Sent: 2021-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX is reporting inaccurate information on DISCOVER FINANCIAL SERVI. Per FCRA, reporting must be 100 % accurate or the information must be deleted. ( DISCOVER FINANCIAL SERVI XXXX )
Company Response:
State: NY
Zip: 10950
Submitted Via: Web
Date Sent: 2021-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
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. Regardless of the multiple written requests, the DISCOVERBANK account listed below is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. ( DISCOVERBANK XXXX )
Company Response:
State: NY
Zip: 10977
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Ive had a credit card account with discover since XXXX. Since then I have attempted to increase the credit limit three times, two of the most recent time being this year. Each time, I am told my credit limit cant be increased but I can not understand why. When I first received the credit card, I was a XXXX XXXX with no job. Albeit now I am a working class member of society making solid income, have a solid credit shore, and I pay each statement on time, so I can not understand why I have not been granted the increase. It makes absolutely no sense. The small limit that I have can barely manage emergencies which is why I dont really use the card. But as soon as I stop using it, I receive an email telling me Im offered 0 % interest for the year. It makes no sense Discover!!!
Company Response:
State: NJ
Zip: 07208
Submitted Via: Web
Date Sent: 2021-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Discover is in many violations. I have been a victim of identity theft and I'm very irritated because I have not gotten one piece of correspondence. The account does not belong to me. Today I actually called and was told that a law firm took my file. I called the law at XXXX when I called I was told they dont even have my file. Then I called discover back again and after several transferred calls I was transferred to a law firm by the name of XXXX and I was told my case is on hold. He advised that my claim was denied back in XXXX. However until today I have not received anything from Discover how can tis even be valid??? to top it off the bureas claim my information is being verified when discover does not even have my file. There are many violations and no one is doing their job.
Company Response:
State: CA
Zip: 91606
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A