Date Received: 2021-12-17
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 XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX Account Number : XXXX This is not mine. 4. Identity ThefXXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX Account Number : XXXX This is not mine. 9. XXXX Account Number : XXXX 10. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. XXXX 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 10. Identity Theft XXXX Account Number : XXXX This is not mine. 11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. XXXX 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX Account Number : XXXX This is not mine. 10. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 12. Identity Theft XXXX Account Number : XXXX This is not mine. 13. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I have previously submitted a complaint in regards to this matter. But I did not have my research done at that time it took a little bit longer for me to realize that the response from the company was completely false. All of it. I have paper form and an online form ( same agreement ) and have taken screenshots of the deposit agreement and what it actually states. The response from discover was that the reason they are not going to do anything to help me and basically that they are keeping my money in simple words and that there is nothing they are going to do about it. Thats where theyre wrong. They tell everybody that in 11b of the deposit agreement states that they reserve the right to hold funds or freeze them. Well 11b TRUTHFULLY states something to do with cd accounts and nothing to do with funds or closure of an account. Also discovers deposit agreement states that if an account is closed by them then the funds will be dispersed to the account holder ( me ). Also for verification purposes I have dialed the discover agreement number and spoke with XXXX from XXXX XXXX XXXX and after a brief hold he confirmed that discover dispurses the funds when accounts are closed. They are refusing to work with me. And its my money and I want it now! This is quite the experience with a professional business I have never been treated like i amount to nothing like they are treating me. All I want is my money every time I call its another story. I had my money in the account with discover and they just took that away from me and send me daily balance alerts everyday. XXXX bank has nothing to do with this I had a check from them waited 5 business days and it cleared and only let me access XXXX of my money out of XXXX dollars from MY tax refund from last year. Also, 2 people from discover said that I would be mailed a check in XXXX when I talked to them in XXXX now that was a lie too. With all due respect, that statement is false. And for me to be % 100 right in my doings in regards to the use of the deposit account, and not violating the agreement, I can say my patience level has been pretty fair, in my opinion. You guys being a professional company with Im sure 100000 customers, you would think that you guys would have learned by now, that you cant do things being an employee at a financial institution, that would put you above the law itself. The law states that # 1 no matter the reason, a bank must return any positive amount of money in someones account as soon as closure takes place. Thats the law. Then you have terms and agreements that a consumer signs prior to opening an account at any financial institution. You are an executive office member at a very high end financial institution and you are seriously lying to me, the consumer finance, and your self about what is written in The deposit agreement. You stated that 11d of the deposit agreement, it states that discover reserves the right to suspend, or freeze the funds in your account or any other accounts you maintain with us. For one, I dont or did not maintain any accounts with you guys period. My account was active for a little less than a month. Also, I have included a screen shot of the deposit agreement for supporting the allegations of proposing false information. The deposit agreement states in 11d : early withdrawal penalty as outlined in section 36, will be assessed if you withdraw funds from a cd account before its maturity date. Now in regards to information on the deposit agreement regarding anything to do with this case. Section 24 ) a of the deposit agreement states that if discover closes your account, funds will be disbursed to the account holder. The only other part of the agreement that relates to my case would be that discover reserves the right to the availability of funds for new customers as follows ; funds from a days deposits of all check types with be made available no later than the 7th business day after date of the deposit. I have been pretty patient and have given a billion calls to you guys, emailed as well, in an attempt to be treated right but I feel like I am being treated poorly by you guys. I am a human, I deserve my money. I barely survive with the little bit that I have and when that little bit gets taken from me the way it did, Im going to need you to try better than this. No one deserves this, hopefully the consumer finance group will read your deposit agreement so that they know that you guys are being real unprofessional about someone else money. I committed no wrong doing with the account all that I attempted to do was a wire transfer to an external account in order to be able to access my funds because I wasnt given any kind of card from you guys. The account that I attempted to transfer money to evolve bank and trust *1860 is also in my name, same email address, address and everything.
Company Response:
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ANY/ALL agents continue to violate me in due process of XXXX and/or XXXX Securities and exchange act. They have been properly notified and aware of Any/All agents actions.
Company Response:
State: CT
Zip: 06704
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Dear Sir or Madam, 1. DISCOVERBANK Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with DISCOVERBANK and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
Company Response:
State: TX
Zip: 75241
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Almost impossible to access Discover Credit Card website since late XX/XX/2021 in order to monitor activity. I keep getting the message that it is down for technical reasons though occasionally I do get through. I try different browsers at different times. My son, a IT expert has helped me with this and he too could not find a way. I have sent messages to Discover to no avail.
Company Response:
State: NM
Zip: 871XX
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
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: On the XXXX of XXXX I was double charged for Medical Services averaging in over {$400.00}. When I set up an online account to pay by ACH checking account, it was obvious that a XXXX Party was online with me, as XXXX Medical Charges under Peepers.com ... .using the term : Non specific Medical Charges appearing XXXX as though I had an Eye Exam, and fitting for non Rx reading glasses. The first Medical Charge was grabbed and switched to a merchandise purchase. Then there is a XXXX charge. I was a TENANT INSIDE A REHAB HOSPITAL AND MY INSURANCE PAYS 100 % AND THEREFORE THERE IS NO NEED FOR MEDICAL SERVICE CHARGES. THE FRAUD DEPARTMENT IS VERY LAXED AND JUMPED AT THE CHANCE TO BLAME THE CUSTOMER ... SHOWING A LACK OF INTEGRITY AND PROFESSIONALISM. USUALLY AN APOLOGY IS MADE AND AN INVESTIGATION IS LAUNCHED FOR XXXX TO XXXX HOURS. THERE ARE SO MANY COMPLAINTS AGAINST DISCOVER THAT MAKE THEM LOOK VERY SHADY, I DOT THINK I WOULD EVER EVER TRUST THEM AGAIN. I LAUNCHED A COMPLAINT WITH THE FTC FOR DECEPTIVE TRADE, AND FALSE ADVERTISING FOR PROMO CASH DEALS UP FRONT. I COULD NOT GET MY ACH TO GO THRU THE FIRST TIME AND THE XXXX TIME, THEY CAN'T SEE WHETHER MY ONLINE PAYMENT WENT THRU, OR WHETHER THE XXXX XXXX EXTRACTED MY BANK ACCOUNT NUMBERS AND SAILED AWAY WITHY LEFTOVER CASH. VERY POOR SERVICE... OUT FOR THEMSELVES, AND REALLY ARE JUST AS CLUELESS AS AFFIRM ONLINE SHOPPING INSTALLMENT LOANS. YIKES! WHAT A NIGHTMARE ... CONSUMER IT UTILITY TRAPS IN SETTING UP LOANS WITH AFFIRM, TOO!
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Over the past year, Discover has repeatedly exposed my personal, non-public and sensitive data to fraudsters, including my salary, banking and other information. In addition, without my knowledge or consent, and in a retaliatory manner for me pressing for greater protection of my information, a Discover agent disabled my profile and automatic payments, which has prevented me from making my payment which is due in less than 36 hours. Upon discovering this on my own, as I was not told my payments and profile were deleted, I called today. I was told my only option was to make a payment by phone, which would require me to release banking information over the telephone to the very department that has repeatedly failed to appropriately handle attempted frauds and protect my information. When I balked at this, and explained that I obviously did not feel comfortable, I was given no other option to avoid being late, even though Discover caused the problem. When I asked to speak with a supervisor, this was declined. She said the " process '' for speaking with a supervisor was to let people know all supervisors are in a meeting, and that I could expect a call back within two days, which is after my due date. She also seemed to act in a retaliatory manner when I mentioned I'd have to file a complaint with their regulators ( what choice do I have at this point? ), warning me she would be noting my file. Discover has repeatedly failed to follow its own basic procedures to protect my information, causing my information to be exposed to fraudsters, and has taken an active role in preventing me from making my payment timely, stating I would have to pay by phone. Given the numerous calls and hours to Discover over the last year pleading to resolve these issues, this matter has cost me. I think it is important to realize that Discover repeatedly does not follow its own security authentication procedures and exposes its customers information, as has happened to me multiple times this year.
Company Response:
State: MI
Zip: 48316
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX and Discover charged $ thousands to my rarely used card and 2 others while REFUSING to respond to me. I refused Discover mailing to open a replacement card and responded I wld only reconsider AFTER they handled fraud. ( Both XXXX and XXXX fixed within 1 month ). I had to close all 3 cards and reschedule payments.Eventually XXXX ( XXXX XXXX XXXX XXXX XXXX ) initiated conference call to Discover re : issuing new card and notifying XXXX XXXX XXXX. We spoke to 7 Discover employees who did nothing over 2 1/2 hour call. Now my credit rating has dropped drastically. I M XXXX and limited in XXXX XXXX XXXX. Please CALL me for details XXXX.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-14
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 charged my card for charges I did not approve of. I opened up a dispute with discover, and the XXXX XXXX XXXX had submitted documents in which none were billed to me or signed or approved by me.
Company Response:
State: WA
Zip: 98166
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A