Date Received: 2023-11-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Regarding Case # XXXX Laptop, cell phone, and wallet were stolen from a local college library. As a result, there are '4 ' fraudulent charges on the credit cards in my wallet at the time of this breach ( accounts and charges are outlined in this affi davit ). Additionally, credit card accounts have been hacked and the address changed to one I have no association with ( XXXX XXXX XXXX, XXXX XXXX, MI XXXX ). Lastly, I reviewed my XXXX credit report and found the fraudulent address listed in addition to XXXX ' unauthorized inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). As a result of the unauthorized activity, I locked and placed a fraud alert with each credit bureau on XX/XX/2023. I am attaching the following documentation to this complaint : 1 ) Police Report ( Complaint # XXXX ) XXXX ) FTC Identity Theft Affidavit ( FTC Report XXXX XXXX ) XXXX ) XXXX Invoice showing a different name ( XXXX XXXX XXXX XXXX XXXX and address XXXX ) Signed letter from the person who authorized the charge without my knowledge and an acknowledgement that I personally received no benefit as a result of this transaction Additionally, I have asked multiple representatives for instructions on asserting Claims and Defenses and I have not received the information I explicitly asked for. Federal law ( 15 US Code 1666, 1666i, and 1640 ( e ) and in 12 Code of Federal Regulations 226.12 ( c ) and 226.13 govern the regulations for Claims and Defenses. As a result, the unauthorized charge of {$1100.00} is now listed on my XXXX credit report and will become a delinquent account if no action is taken. Lastly, I have contacted the Connecticut Attorney General 's office ( XXXX ) and plan on filing an official complaint if this matter is not resolved in a timely manner.
Company Response:
State: CT
Zip: 06516
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX, 2022 : 30-day state of emergency, executive orders issued Maryland Gov XXXX XXXX XXXX said COVID-19 is overwhelming normal operations at hospitals, and he's issuing a state of emergency and two executive orders. I notified Discover Student Loans and alerted them of the state of emergency, unemployment and XXXX due to the emidemic. Discover Student Loans is not following Credit Protection During COVID-19 ( XXXX ) : The CARES Act requires credit reporting agency data providers, including credit unions, to report loan modifications resulting from the COVID-19 pandemic as current.
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXXXXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$850.00} XXXX XXXX XXXX XX/XX/XXXX {$540.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Company Response:
State: MI
Zip: 48198
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: In XXXX XXXX I opened a Discover card to use the balance transfer offer. I had an available balance of {$10000.00} to use. I paid two creditors {$4700.00} to XXXX on XX/XX/XXXX and {$4900.00} to XXXX on XX/XX/23. The balance amount of {$9900.00} was posted to my Discover account right after the balance transfers were made. Weeks went by and both XXXX and XXXX never received the funds. On XX/XX/XXXX I called both of those creditors and both stated that they had not received the transfers from Discover. Both creditors advised that I pay my upcoming payments in case the funds didnt post. I waited a week then called Discover on XX/XX/23 to inquire about the balance transfer, since nothing had changed. An employee told me he would have to submit two disputes for those balance transfers and that I would get an answer within 10 days. I called today XX/XX/XXXX to ask for an update and they were not able to give me one. The status of the transfer to XXXX now says unable to transfer, while the one to XXXX says payment sent. I currently have had to make payments to Discover as well as to the two creditors that I had intended to pay off, even though both transfers are nowhere to be found by any creditor. My credit score has now gone down by XXXX points, and I owe money to all three creditors. Discover has not given a useful update and is not able to provide any additional information about where the money is, yet they still are still posting the balances.
Company Response:
State: TX
Zip: 78741
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I contacted Discover in mid XXXX to cancel my credit card. They confirmed there was {$0.00} balance and cancelled the card easily. 2 months later I get an email from credit karma telling me that an account I have is delinquent. I have an XXXX credit score so Im shocked. I realize its discover. I call them immediately and make the payment. I assume they will fix this issue because I had cancelled the card and figure its some type of error on their end. Total charge was {$26.00}. I called Discover today to get this delinquent reporting removed from my account and here is what they tell me : 1 ) when I called there was no balance and they agreed thats what the agent told me. 2 ) supposedly the very next day, they realize oh wait there is a balance and also my account is linked to an old bank account that I had closed since I hadnt used this card in years. 3 ) Discover NEVER CALLED ME AGAIN to tell me that I had a delinquent account. Zero. Never ever called. The lady on the phone said thats because I enrolled in e-statements. I explained to her that I didnt look at any e-statements because I had closed the account and been told there was no balance. So why would I login and look and an e statement?! 4 ) discover never texted me to let me know I was delinquent 5 ) discover claims they sent me a letter in the mail but I never received this letter. I dont think they actually sent it because my account was closed and they had some error in their side. 6 ) discover will not correct the reporting to the credit bureau for a {$26.00} delinquent balance which they never told me about. 7 ) I as the consumer now have my credit score dropped by XXXX points to XXXX because I cancelled a card that I wasnt using and then mysteriously the very next day there was a balance. 8 ) why wouldnt discover call or text me to let me know? 9 ) why wouldnt I get multiple letters telling me I would be reported delinquent? 10 ) there is a very clear break down of diligent communication to customers and it seems borderline negligent. I would suggest investigating Discover communication practices to consumers after accounts have been cancelled. I suspect I am not the only person where this is an issue. 11 ) I would like Discover to report my {$26.00} delinquent payment as current due to having cancelled this card with a {$0.00} balance and never being told I was delinquent. Again the only reason I found out is because credit karma emailed me and told me. I never got an email, text, or phone call about a delinquent account. Supposedly discover sent a letter but I never got that either. Very possible we threw it away because discover mails us like XXXX per month for other nonsense. Very very frustrating that years of hard work on credit can be blown by a stupid error like this.
Company Response:
State: OH
Zip: 44116
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
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: Submitted a chargeback with Discover against the XXXX XXXX for {$370.00} for not delivering, I was told at first the carrier marks things as delivered before actually delivering and then later promised a refund. The merchant didnt provide that refund as promised. Contacting discover in regards to it and I am left in the complete dark and all of a sudden discover reports the charge without providing any documentation on why and without me being able to provide them proof the merchant promised a refund after not delivering the order as promised and not being able to locate it.
Company Response:
State: IL
Zip: 61801
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: [ Estate XXXX XXXX XXXX ] XX/XX/2023 Subject : Notice to Cure - Discrimination Based on Religion/Violation of U.S. Code Attention lending team of Discovery I applied for a car loan and got denied. Regardless of the reason for being denied, I have the right to credit. Only XXXX can deny me anything. Withholding access to my securities is securities fraud! Youre violating the equal credit opportunity act & the consumer credit protection act. Since you are denying me my credit please retract my application thank you. XXXX, XXXX XXXX XXXX attorney in fact for XXXX XXXX
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Discover Between XX/XX/2023- XX/XX/2023, I accrued {$190.00}. Out of the {$190.00}, {$180.00} was posted on XX/XX/2023. The remaining {$8.00} was posted XX/XX/XXXX XXXX XXXX XXXX alerted me to my credit score dropping by XXXX points on XX/XX/2023. In the XXXX XXXX app you click on " Recent Changes '' which directs you to a page that says " Balance Increased '' by " Discover Bank '' and recommends that I keep my credit utilization under 30 %. {$190.00} out of {$900.00} is 21.9 %. There were no payments due for the {$190.00} because it was just being posted- but I paid it off in full on XX/XX/2023. I contacted Discover customer care about this matter, and was informed that they did not offer courtesy credit reporting adjustments. I will be sending XXXX the evidence of my previous statements as well, under file XXXX XXXX XXXXXXXX via postal mail on XX/XX/2023.
Company Response:
State: OH
Zip: 44512
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been in repayment with Discover since XXXX, the year I graduated from college. Since then I have never missed a payment that resulted in default. I have always found a way to make my payment but recently my finances have became worse. Since XXXX of this year I began to struggle making my monthly payments on time. I inquired about refinance, payment assistance programs, and deferment. With the interest rate increase, my minimum payments increased from {$800.00} to {$1400.00} a month, making it impossible to make the payments on time. I didnt qualify for refinance, which I tried several times, the repayment programs didnt last long and were only temporary. The last payment plan I was on dropped my payments from {$1400.00} to {$1100.00} which was still impossible to pay. I began paying what I could. On XX/XX/XXXX I spoke with a representative about the public service deferment. A public service deferment would mean me making XXXX dollars in payment for up to 36 months. The representative asked if I had did this type of deferment in the past and I said yes but Im not for sure how long I did it for. I asked if she could look it up to see and she told me she couldnt because I was in a payment program. I asked is there anyway you could see without me dropping the program, and she said no. At this point I had to take a chance because there system would not allow them to see past information. I decided to reach out to the XXXX XXXX and get a letter containing all the information they required to be entered into the public service deferment. Once I obtained the letter I called in on XX/XX/XXXX to let them know I was uploading documents and if they could see past information now. The representative said no you will need to drop the program, so I dropped the program. On XX/XX/XXXX I called to check on the documents that were uploaded. I was told you dont qualify and you cant get back into your program. I asked to speak to the supervisor to discuss this because I didnt think it was fair to have to drop the program to see if I qualified. I asked the supervisor to review the tapes because at the time I was unsure of what was said. I was told the supervisors would call me back after reviewing the tapes. I made several calls after no response to the supervisor, I made calls on the following dates : XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. Each time I called there was no update, or the supervisor wasnt there, or he will call you back, or he hasnt reviewed the tapes yet. On XX/XX/XXXX I spoke with the representative XXXX, who took the time to review the tapes. He stated I shouldve received a call back, he admitted that the situation was not right and that there system was not good. He said there should be a way to see all information regardless of what program you are in but told me I was out of luck and that I couldnt get back into my program.
Company Response:
State: OH
Zip: 45231
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Earlier this year I had found out that my Identity had been stolen, I Immediately began auditing all of my bank accounts and credit cards to determine if any had been affected. My Discover Bank Checking account was infact affected, so I reached out to them and notified them of the exact transactions on my account that were fraudulent ( meaning they were not authorized by me, and I had no knowledge of them whatsoever ). At first Discover was very helpful, they disputed most of the transactions I provided them, I uploaded the police report and other documents as evidence, then they issued me a provisional credit for each of the transactions, and then a few weeks later ruled the disputes in my favor and closed the cases. Unfortunately once I received all of the letters in the mail from Discover outlining exactly which transactions they had disputed I noticed that they had missed some of the transactions I had initially reported. So I figured the right thing to do was to call them and notify them of the missing transactions so they could fix the issue. I was told that we would need to open a new dispute for each transaction missed. Well they immediately denied the disputes, and have continued to deny the disputes no matter what documentation I provide, or that I point out that these transactions were reported the first time and those disputes were ruled in my favor, these are the same transactions as the ones ruled in my favor so why are they being denied? If the representative would have submitted all of the transactions I provided then I wouldn't 've have had to call back and file more disputes. The transactions are with the same merchant, many on the same date as the ones ruled in my favor. So why is it that these transactions are being denied when the same exact type of transactions were approved only a few weeks prior? I have explained myself to management, and anyone who will listen about this issue and no matter what I do or say it never gets resolved or fixed. I am not sure if the department that investigates the disputes is aware that I am only asking for the fraudulent transactions that were missed by mistake to be corrected or not. I have been trying to get Discover to fix this mistake for months and months but to no avail. Please help.
Company Response:
State: TN
Zip: 38104
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A