Date Received: 2021-11-26
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: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2021-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-26
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 ( XXXX ) 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 XXXX and XXXX XXXX XXXX XXXX, 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 XXXX days and proper notification shall be given to all data furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX 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 ( XXXX ), and FAIR and ACCURATE CREDIT TRANSACTION ACT oXXXX XXXX ( XXXX ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the XXXX XXXX : XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( XXXX XXXX XXXX XXXX ( a ) ( XXXX ) is amended ( XXXX ) 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 XXXX XXXX ( XXXX XXXX XXXX ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) 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 ( XXXX ), before the end of the XXXXday 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. XXXX. DISCOVERBANK bal. {$5200.00} 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 XXXX, Section XXXX ( XXXX ) Block of information resulting from identity theft. XXXX. 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 XXXX ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) 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 XXXX Notice to Furnishers XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: NC
Zip: 27612
Submitted Via: Web
Date Sent: 2021-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-26
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: Hi Sir/ Madam ; My name is XXXX XXXX XXXX This is regarding to my Discover card # XXXX XXXX XXXX XXXX. I moved from XXXX, XXXX to XXXX XXXX, XXXX in the end of XX/XX/XXXX. For the move, I requested 3 different services of XXXX XXXX XXXX on XXXX XXXX XXXX website but I had to cancelled them all because the mover couldn't provide the service that I needed. Those services were : - 1st service # XXXX ( for service date XX/XX/XXXX but I cancelled ). - 2nd service # XXXX ( for service date XX/XX/XXXX but I cancelled ). - 3rd service # XXXX ( for service date XX/XX/XXXX but I cancelled. I forgot to screenshot XXXX XXXX XXXX website for this service but I did with the confirmation email sent to me by XXXX XXXX ). Even though I successfully cancelled all 3 services ( see attached files ) but I was only refunded for 2 services. When I found out about the issue, I filed a dispute with Discover and they gave me a temporary credit back to my Discover card. I thought it could be easily resolved the issue due to I already provided the prove of service cancellation, but however, it posted back to my account after a few weeks. I then contacted Discover again, provided the prove again, and was given a temporary credit again. After about 3-4 weeks, the charge posted on my account for the 3rd time. I spoke with Discover billing department representative on XX/XX/XXXX at XXXX PM XXXX. She advised that I should find another resource for help with the issue or contact the mover. She said that I need to prove that the refund came back to my Discover card ending with number XXXX. She added that Discover has to report about this matter to credit companies. I asked her why Discover doesn't protect me while I am their customer. She said Discover have been exhausted all of its resources. After that, I called XXXX XXXX XXXX from XXXX XXXX XXXX at phone number XXXX on XX/XX/XXXX at XXXX PM XXXX and I was informed that all services show cancelled on their end. XXXX also advised me to contact XXXX XXXX for further support. I right away went on XXXX XXXX XXXX website and sent them an email asking for help but I didn't receive any response or even a receipt of my email. I emailed them to both of their addresses : XXXX ; XXXX. My email to XXXX bounced back. I'm very disappointed that Discover doesn't protect me and the answer of billing department representative gave me was unacceptable. I don't know how to resolve this issue and she was like " you are on your own, I don't know what resource you can find to deal with this problem ''. Please help me! It's very unfair that I have to pay for the service that I didn't use. The amount was {$200.00} and because I just paid off my card so this is the whole balance of the card now. Please note, I was never late even once in terms of any payments in my life. Thank you in advance for your help and I'm looking forward to receiving your response. Regards, XXXX XXXX XXXX # XXXX Email : XXXX Last XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Company Response:
State: CA
Zip: 92647
Submitted Via: Web
Date Sent: 2021-11-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have been requesting, since XX/XX/2021, verification of these alleged debts that they keep reporting on my credit files. However, this company has failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they have continued to report & sell erroneous information about me. Therefore, it is quite obvious that theyhave deliberately violated my rights in more than one way which is punishable by law.
Company Response:
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2021-11-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-25
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 XXXX I received a message that XXXX XXXX was found in my favor and discover would apply the credits. no such thing occurred. in fact after filing a complaint with XXXX on or about XXXX in regards to their seller for keeping my money and the item after it was returned successfully. they opened an a-z claim on XXXX and refunded me. i did receive the credit in my discover account however it has since disappeared from my accounts history shortly after receiving it.
Company Response:
State: MI
Zip: 493XX
Submitted Via: Web
Date Sent: 2021-11-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Each month, I pay my Discover card in FULL regardless of the balance. Last month, XX/XX/2021, I checked my credit card balance on both XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, the date my balance is due each month, my online Discover account showed I owed {$1900.00}, so I processed a payment. My closing date is on the XXXX of each month, so on XX/XX/XXXX, before XXXX, I checked my account one last time and it showed I I now had a balance of {$700.00}, so I processed the payment early in the day before the cut off time via the " current balance '' payment feature. Discover only allows you to pay the balance that's reflected on your account ; you're prohibited from paying more than that or else you'll be left with a credit. The " current balance '' option allows you to pay the full amount Discover states you owe. This past week, while reviewing my credit card details on XXXX XXXX, I noticed that Discover had reported to the credit bureau that I had a balance in the amount of {$290.00} in XXXX, which was never reflected on my account prior to my statement closing date. As I said before, I'm very on top of my Discover credit card and student loan payments and have never made so much as a late payment in the nearly 12 years since I first opened my accounts. Discover isn't accurately reporting my balance to me/updating my account in a timely fashion. This is the second time that this has happened. If you review my previous conversation with a Discover rep via the chat function a few months back, the rep admitted that Discover reported the wrong balance to the credit bureaus earlier this year -- I believe it was XXXX -- although I had a balance of {$0.00}. She stated I'd have to reach out to the bureaus to have this fixed. Furthermore, the payments I made in XXXX XXXX are very specific. You can clearly tell that the {$1900.00} and {$700.00} are the amounts that Discover had listed on my account both days because they're not whole balances. For instance, instead of {$1900.00}, why wouldnt I just put {$1900.00} if these were balances I came up with on my own? Instead of {$700.00}, wouldn't I just process a payment for {$700.00}? It doesn't make sense that I'd come up with two very specific amounts unless they were provided to me by Discover. Furthermore, I'm only allowed to pay the balances Discover provides to me ; they don't allow me to pay over that or else I'll be at a negative balance on my account. The {$290.00} was never listed or else it would've been included in the {$700.00} when I made the payments on the XXXX and XXXX. This has caused me a lot of frustration and anger ; Discover 's supervisors are no help. This is the 2nd time within a year that they have made this mistake and affected my credit score. Furthermore, I was charged interest for a balance that wasn't even reflected by the due date or statement closing date, thus, not allowing me to process a payment to cover the {$290.00}. I would like this removed from my credit report and the interest to be reimbursed. I will pursue this further if this isn't resolved.
Company Response:
State: NY
Zip: 10473
Submitted Via: Web
Date Sent: 2021-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: SEE ATTACHED FILE ... .CALLED BANK ( DISCOVER ONLINE BANKING ) TO INITIATE A DEBIT CARD CHARGEBACK BECAUSE MERCHANT IS REFUSING TO GIVE ME A REFUND, AS STATED IN THEIR POLICY. CONTACTED XXXX AND FILED COMPLAINT ON XX/XX/2021
Company Response:
State: NM
Zip: 87108
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I recently received a copy of my credit report and I noticed some account on my consumer report that should not be on there. This agency is in violation of XXXX XXXX XXXX. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : DISCOVER FIN SVCS LLC Credit Card with account # XXXX with a balance of {$1300.00}. The reporting of these account is a violation of XXXX XXXX XXXX, and the Fair Credit Reporting Act " XXXX XXXX XXXX a XXXX b '' ( See below ) Exclusions Except as provided in paragraph XXXX, the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The credit issuer or debtor has not issued a 1099C " cancellation of debt '' tax form since the alleged debt has been written off and therefore considered as income for the issuing company. I have not received a XXXX tax form. Since the debt is considered income for tax purposes on the companies end, the debt can not be listed on my consumer report according to the FCRA.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: In XXXX of XXXX my father gave me XXXX XXXX XXXX XXXX XXXX ) to manage his finances due to his XXXX. Shortly after getting the XXXX, I reached out to Discover to cancel his card as he no longer needed it while in a XXXX home. I spoke with a Discover customer service representative who helped me to pay the final balance on the card. This representative also gave me the email to which I should send the XXXX and request to cancel the card. On XXXX XXXX I sent my XXXX as well as the last XXXX digits of my father 's social security number and the last XXXX digits of his Discover Card account to the address provided ( XXXX ). At that time I explained my father 's XXXX and requested that the account be canceled. I am still receiving bills on this account. Discover has not closed the account and is allowing companies to either charge the card with recurring charges or they are allowing someone to use the card which is allowing fraud to occur. This despite the fact that I keep calling and emailing and trying to confirm the cancelation of the card as of XXXX of XXXX. In my latest call, I was told I needed to " dispute '' a charge which I refused to do as the account should have been closed. I should not have to dispute a charge that Discover fraudulently allowed on an account that was closed. They apparently recognize the validity of the XXXX as they have changed the address on the account to my address. If they recognized the XXXX as sufficient to make changes on the account such as a mailing address, they should have also recognized it for purposes of canceling the card and closing the account. Instead, they have allowed charges, keep charging late fees on top of the unlawful charges, and keep sending bills to my address. I am submitting the original email to the XXXX department of Discover from XX/XX/XXXX as well as a follow-up email I sent on XX/XX/XXXX. I just need someone to help me get Discover to stop contacting me and stop trying to collect amounts that they fraudulently allowed to be charged to the card.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
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: I contacted Discover card on XX/XX/2021 in reference to a pending charge in the amount of {$2500.00} via the discover message center to let them know i wanted to start a dispute. I was told i would receive conformation either by email or mail. I never got either and i followed up myself on XX/XX/2021 to see if the dispute was started and was told it was being followed up on. it was not till XX/XX/2021 did i receive any correspondence via email stating the dispute was in my favor ( nothing had been requested from me during he whole process ) I contacted Discover again to ask details re : the company in relation to the charge disputing the decision and once again that was the only way i got any information from Discover. Then i contacted Discover again on XX/XX/2021 because the {$2500.00} was just applied back to my account, no information, no correspondence so like before i had to reach out. At XXXX i was told there was no dispute on my account for the past XXXX months and then with some back and forth i was told that the dispute was resolved. I complained that no documents were requested from me and when i explained what i did have they told me the only documents that would be acceptable for me to submit would be proof the company in question agrees to issue a refund. I had to ask more than once for where i submit documents on my behalf and this only was provided after i requested a manager and it was XXXX days later on the XXXX XXXX XXXX. I faxed a letter with some documentation on XXXX XXXX XXXX. I received an email XX/XX/2021 letting me know my information was already considered or was insufficient and said i have another XXXX days to continue my dispute but that they already sent reporting to credit bureau 's. When checking my credit report on XX/XX/XXXX was already effected by Discovers actions and my rating dropped XXXX points. Now when reading the FCBA I was under the impression that while a dispute is ongoing it should not be reported to the credit bureau 's. Also my main issue is Discover in not allowing a proper dispute and is stating the only documents they want is for me to get the opposing company to agree to a refund which is NOT a dispute and not how disputes work when there is fraud involved.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A