Date Received: 2021-12-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: It is common knowledge that Discover Student Loans offers a .25 % interest rate reduction when a borrower signs up for automatic payments. I as a borrower have the right to choose these automatic payments as long as the amount remitted per month is equal to the minimum amount due per month. Interest on student loans is compounded daily. I asked if I could have the .25 % interest rate reduction by having weekly automatic payments as opposed to monthly full automatic payment and they stated that I could not as the .25 % interest rate reduction is only if you do it on a monthly level for the full amount ( Over {$600.00} in my case ) There was nothing stopping me from paying weekly, but I would still have the {$600.00} payment each month in order to qualify for the interest rate reduction. Paying weekly would allow me to pay the same per month AND have less interest accrue overtime on the principal balance. Whether or not you choose to have the payments be weekly or once a month on an automatic level SHOULD NOT bar me from gaining the benefit of the .25 % interest rate reduction on a loan with an interest rate of 13 %. I need this remedied. As Discover Student Loans has a no prepayment penalty. ALL benefits on monthly payers should apply to weekly payers.
Company Response:
State: MI
Zip: 48843
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have a credit card with Discover bank. In XXXX of 2021 my card was used accidentally and I did not know about these charges until they were posted to my credit report as a delinquent payment in XXXX of 2021. At that time I contacted Discover card services and asked how I could have the charges removed from my credit report, they told me to remove the charges the merchant would have to rescind the charge and issue a refund. I contacted the merchant and they did so. I then called Discover bank again who told me they couldn't remove the delinquent charge bit since it was a mistake I could dispute it as fraudulent with them and it would be removed which I did. I waited for the result of that dispute and was never contacted, after the suggested time had passed I called the bank again and was told the dispute had been denied. I spoke to a supervisor who told me the charges had been removed from my account and that I should dispute with the credit agency. I did this through the XXXX XXXX app. The app told me to wait for 30 days for results. I waited for 30 days and heard nothing so I contacted XXXX who told me that no dispute had been filed and disputes filed through XXXX XXXX are not legitimate disputes with the creditor. I then filed a dispute directly with XXXX. I called them for the results and was told that they couldn't tell me if it was in my favor however if I wanted to I could file another. I did so. This process repeated 5 times. I also filed 2 disputes with XXXX. The last conversation I had with XXXX the technician told me that their automated system told them that Discover reported the delinquency to be legitimate. I called Discover card supervisor line and spoke to a man named XXXX who assured me it was removed and suggested I give XXXX his phone number so he could speak to his deptartment directly. I called XXXX again who said they couldn't contact them directly but to ask for a letter stating that it had been removed to attach to the dispute. I called Discovers supervisor line on XXXX XXXX XXXX 2021 and spoke to XXXX. He informed me that the only thing that had been removed was the fee associated with the late payment but that the delinquency could not be removed. I then recieved an email at XXXX, 8 minutes after their office closed stating that my account was to be terminated for " inactivity '', " serious delinquency '' and " length of open credit accounts ''. I waited until today, XXXX XX/XX/XXXX to call the same supervisor number and was told that I could appeal the decision to not remove the delinquency and should recieve a decision on that appeal soon. I was also told that the only reason for my account being terminated was inactivity, I was told that the system reviews accounts at random and comes to a decision about whether to terminate the account without informing the company or the consumer. Once the system makes the decision to terminate it can not be reversed. I have had open credit accounts for the last 15 years. In that time I have never had a delinquent payment or derogatory mark posted to my credit report. The charge in question is for approximately {$20.00}. When this derogatory mark posted to my account my score dropped by XXXX points. It seems that no amount of recompense can stop Discover bank from affecting my score in this way, furthermore their decision to close my account suddenly and without warning or recourse will further damage my score by bringing down my average open credit account time length. The timing of which seems to coincide with my calls to the supervisory department and disputes filed with the credit agencies.
Company Response:
State: CA
Zip: 90042
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/XXXX I sent a notification to DISCOVER STUDENT LOANS certified mail ( XXXX XXXX XXXX XXXX XXXX ) and it was received on XX/XX/XXXX. DISCOVER STUDENT LOANS has now been notified of a billing error pursuant to 12 CFR 1026.13 ( e ). I have asked DISCOVER STUDENT LOANS to correct this billing error and put them on notice that I invoke my right as a consumer to withhold all past present, and disputed amounts pursuant to 12 CFR 1026.13 ( 1 ). I have also notified DISCOVER STUDENT LOANS, that they can not and shall not restrict nor limit nor cause any disruption of any manner of the account in question pursuant to 12 CFR 1026.13 ( 3 ). DISCOVER STUDENT LOANS may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of the Affidavit sent to them. DISCOVER STUDENT LOANS is in violation of 18 USC 1341 and has participated in racketeering activity as defined in Title 18 USC 1961. DISCOVER STUDENT LOANS has 15 days from the date of receipt XX/XX/XXXX to provide an affidavit response with a rebuttal, point for point otherwise I am conditionally accepting their non-reasonable response, as frivolous, and I will file fault judgment in the favor of the interest of I the consumer, holder in due course, attorney, and administrator in fact.
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX. DISCOVER FINANCIAL SERVICES 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, 60 days late on XX/XX/XXXX and 90 days late in XX/XX/XXXX. I immediately disputed this information with DISCOVER FINANCIAL SERVICES 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 the 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 the 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 the 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 the 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 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 are 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 XXXXXX/XX/XXXX XXXX, Iowa XXXX
Company Response:
State: MD
Zip: 21244
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
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 XX/XX/2021 I made a deposit into my XXXX XXXX XXXX account using my Discover credit card in the amount of {$1000.00}. I had placed a sports wager on the XXXX XXXX winning the XXXX XXXX on XXXX XXXX by XXXX points. On XX/XX/2021 it was announced that the XXXX XXXX quarterback, XXXX XXXX had COVID 19 and would not be playing in the Sunday XXXX XXXX, 2021 Football Game. I immediately contacted XXXX XXXX by XXXX XXXX and asked that they cancel my wager and refund my money due to the extenuating circumstances. They simply ignored my request and the XXXX XXXX XXXX ended in a tie XXXX to XXXX in XXXX. I filed a dispute with my Discover credit card Company who stated that a {$1000.00} provisional credit would be applied to my account ( Case # XXXX ) Its a month later and still no {$1000.00} refund to my credit card.
Company Response:
State: NJ
Zip: 07011
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-12
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: XXXX XXXX XXXX and Discover have filed a law suite against me in XX/XX/2019 at XXXX XXXX XXXX Superior Courts | XXXX Courthouse | Contract and they have been XXXX, harassing, intimidating, threatening, and assaulting my family.
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: 2021-12-12
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: XXXX XXXX XXXX and Discover have filed a law suite against me in XX/XX/2019 at XXXX XXXX XXXX Superior Courts | XXXX Courthouse | Contract and they have been stalking, harassing, intimidating, threatening, and assaulting my family.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: About XXXX my job was closing down. I contacted Discover Financial Scvs and spoke with a XXXX I told him I am about to XXXX XXXX XXXX and requested an interest rate reduction. He refused me and told me that the best he could do for me was close the card. I told him I did not want to close the card and reminded him of my positive payment on the card since I obtained it. He didn't care. I got a XXXX pay and paid up card and requested to close the card. By some mysterious reason, the card was still active and being used intermittently by someone. I didn't know anything like that was happening in the background. Nonetheless, the card was charged off and Discover Card sent me a 1099C ( which is a Charge Off document I was to file on my tax return as income and I paid taxes on it as income about XXXX and/or XXXX. However, Discover Card continues to report the item on my credit file as a Charge-off. Since Discover Card charged off the balance, issued a 1099C, and I paid taxes on the amount as income, it is erroneous to be reporting it on my credit. It's a done deal, I paid taxes on it as income. So it needs to be removed from my credit or not show it as a Charge-Off. Yet, on XX/XX/XXXX, Discover Financial Svcs did a hard pull on my credit without my knowledge or consent. That was a willful, deliberate and spiteful act on the part of Discover Financial scvs. I would like the to remove the item from my Credit File.
Company Response:
State: PA
Zip: 18052
Submitted Via: Web
Date Sent: 2021-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-12
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: In trying to obtain funding for a real estate need, I was turned down because of information shared by XXXX with the potential Creditor. I obtained a copy of my Credit Report and discovered that XXXX is reporting multiple errors on my Report so I contacted them multiple times seeking to have them delete negative information that they are providing potential Creditors but they refused. I believe that if the information on one 's XXXX XXXX is incomplete, incorrect, unauthorized, it must be deleted upon the request of the XXXX. The errors ranged from : XXXX incorrect SS # XXXX XXXX XXXX XXXX ). mine is XXXX. XXXX incorrect name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX incorrect address of Bankruptcy XXXX. XXXX multiple unauthorized hard inquiries by companies that had no Permissible Purpose, I had not given consent to and I have no business with. They are marked with *. I have written and called XXXX about these but they just don't care and continue to report the errors. I am soliciting the intervening power of CFPB to have XXXX show respect for the law : CFPB, FCRA, Federal, State, Local ; and delete all negative entries they are reporting on my Credit file with so many errors. XXXX collected, used and shared my personal information without my knowledge or consent. Long live CFPB. I think help has finally come! Please note the highlighted concerns as well as those marked in * in the attached document.
Company Response:
State: PA
Zip: 18052
Submitted Via: Web
Date Sent: 2021-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-12
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: Dear, I had two accounts with XXXX annually paid {$110.00} couldnt cancel expired on XX/XX/XXXX and monthly {$39.00} was canceled on XX/XX/XXXX after infecting with XXXX, both subscription under XXXX the monthly {$39.00} originally charged with Discover card ending XXXX after getting infected with XXXX my card was hacked and changed ending XXXX same discover card i call the number XXXX and canceled but my card was hacked again and it changed to XXXX but at time XXXX didnt have the new number only XXXX after Cancelation It seems discover credit card had policy to pay recurring charges and they thought it was recurring and still was paying It till XX/XX/XXXX and i was in fight with my life because of XXXX until i called Discove again and disputed the charges after calling XXXX still has the old card on file XXXX on XX/XX/XXXX, they credit me all charges but today i was charged 6 charges on XX/XX/XXXX because XXXX only they can go up to 3 months to credit me and still have the annual account but is not renewing again I really believe XXXX never had the card ending on XXXX, they couldnt cancel It and my daughter and never Received an email from them and she is XXXX helping XXXX patient at XXXX nor I XXXX and we thought it was cancel it. I think it fare to refund my monthly from XX/XX/XXXX to XX/XX/XXXX because it was canceled by calling them XXXX and he never did and we never logged in to both accounts.
Company Response:
State: CA
Zip: 92503
Submitted Via: Web
Date Sent: 2021-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A