Date Received: 2021-11-14
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: XXXX XXXX XXXX AND XXXX XXXX ARE IN COLLUSION WITH EACH OTHER AND PULLED XXXX KNOWING IT WAS BLOCKED. VIOLATING 15 U.S.C. SECTION 1681G OF FCRA AND DODD FRANK ACT. XXXX XXXX XXXX AND XXXX XXXX XXXX SEE ATTACHED
Company Response:
State: AR
Zip: 72761
Submitted Via: Web
Date Sent: 2021-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-14
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: This is additional information I want added to my current complaints # XXXX, XXXX and XXXX against XXXX XXXX XXXX aka XXXX and Discover Bank XXXX! Not only did they steal {$25.00} fraudulently from my Discover checking account under the name of XXXX XXXX XXXX on XX/XX/XXXX for a NSF fee on a check that was NEVER a NSF, it was paid on the second attempt when XXXX XXXX, XXXX XXXX XXXX XXXX, presented it a second time, then a week later XXXX steals this {$25.00} from my checking account!!! On top of these two and the company working together to commit fraud and steal from customers, they then flat out LIED to the CFPB and Discover Bank!!! They told the CFPB they did not receive this fee and had resolved all on their end, LIARS AND THIEVES!! Then when I saw it had been taken from my account, after the CFPB gave me this response they gave them, I filed a dispute with my bank Discover Bank which I had to contact corporate over and file a complaint to get done, then XXXX their investigator, allowed them to keep the funds claiming it was legitimate after she ignored two of my phone calls and then sent me a short note stating this!!!!! All of the banks are in cohoots allowing this illegal activity!!! Then I get the report from XXXX showing a list of checks that were paid when I wrote them in the past that were NEVER NSF 's either along with them showing a resolve on a check ( # XXXX for {$30.00} to XXXX XXXX XXXX on XX/XX/XXXX ) that was NEVER a NSF, this is the one I am disputing with this claim and also showing on XX/XX/XXXX XXXX # XXXX ( which was never even used, as I always prepay my gas and they declined the check at XXXX XXXX XXXX in XXXX IL that day and they show this duplicated and not authorized claimant with a code 5 which means possible bad check and I had plenty of money in my account and had no bad checks out nor had I had any!!!!! ) I want all of these removed from my report now and I want all of this information handed over to your investigators and the FTC for prosecution, these idiots NEVER learn they were just fined billions a couple of years ago by the FTC for the same!!! I am also contacting a lawyer about all!!! I also want my {$25.00} they stole from my checking account reversed by Discover or they will be included in the lawsuit. I also want the FDIC notified of all. I have already filed a complaint with the FTC and will contact the FDIC myself tonight too!!!! Shut these crooks down!!!
Company Response:
State: IL
Zip: 628XX
Submitted Via: Web
Date Sent: 2021-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-14
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: I ordered a bed from XXXX and it never arrived to my house. I contacted XXXX and they told me the item was delivered, showing me delivery confirmation, but it was not delivered. They told me they would file claim with XXXX and I never heard from them. I then filed a dispute with my cc Discover and they did not want to help me. I have been with Discover 14 years and not once have I paid interest with them and rely on them to make secure transactions. Discover did not want to help me with this dispute. {$140.00}. XXXX
Company Response:
State: CA
Zip: 91331
Submitted Via: Web
Date Sent: 2021-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I sent an email directly to the CEO of Discover. Received a letter in the mail stating that he will not remove the late payment history/incorrect payments reporting to the credit bureaus. I have disputed the account with the credit bureaus several times regarding this inaccuracy and the results stated that the data furnisher verified that the information is reporting correctly. This issue has carried on for almost a year. Discover along with the credit bureaus state that they will not correct the information reporting on the account. The account is closed, paid, and still has a {$0.00} credit. I have attached a copy of my credit reports from XXXX and XXXX showing how the pay history is STILL showing an active pay history from one credit bureau while the other bureau is showing a charge off pay history of XXXX each month. This continues to affect my credit over the past year and should be removed by the data furnisher for continuously reporting inaccurate information.
Company Response:
State: OH
Zip: 431XX
Submitted Via: Web
Date Sent: 2021-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: My identity was stolen in XXXX. Discover Card allowed and facilitated this identity theft by not verifying that the applicant was not an impersonator. I have disputed this with the creditor, but they have their information mixed up and not accurate and they are misrepresenting the facts. Such as they claim that i first contacted them to report the theft on XX/XX/XXXX. I have a letter dated XX/XX/XXXX, stating that they deactivated my account due to lost or stolen card and they were going to issue a new card! I also have a letter from discover dated XX/XX/XXXX, stating that they have started an investigation for identity theft. NOT XX/XX/XXXX as they have also misrepresented. Discover states that the investigation was completed on XX/XX/XXXX and that the fraud had been removed. I have a letter from Discover dated XX/XX/XXXX. The letter states that upon review of the facts of the case, we determined that unauthorized charges have occurred on the above referenced account. The account has been credited these charges and your valid balance has been transferred to a new account. This is another misrepresentation of facts and Discover also lied because they did not remove ANY charges for anything. Discover also states that i contacted them on XX/XX/XXXX and provided additional information that caused them to reverse their decision. I have a letter from Discover dated XX/XX/XXXX that states the account is being investigated pursuant to an allegation that it was established fraudulently without your knowledge or authorization. Discover Card has not provided me proof that they have a valid application for credit. And their information is inn accurate concerning their investigations!
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
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: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the DISCOVERBANK account still remains 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 set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Company Response:
State: TN
Zip: 37076
Submitted Via: Web
Date Sent: 2021-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: IN XXXX OF XXXX SOMEONE FRAUDULENTLY OPENED A DISCOVER CREDIT CARD USING MY PERSONAL INFORMATION. THE CHARGES MADE ON THAT CARD ALONG WITH THE PAYMENTS MADE WERE NOT DONE BY ME, THEY WERE NEVER AUTHORIZED BY ME. AS SOON AS I FOUND OUT ABOUT ABOUT THIS I DIRECTLY CONTACTED DISCOVER AND ASKED THEM TO CLOSE THE CARD, AT THAT TIME THE CARD WAS AT XXXX BALANCE AND DISCOVER CLOSED THE CARD AND REMOVED IT FROM MY CREDIT REPORT. BUT LITTLE DID I KNOW THE PERSON HAD ORDERED A DUPLICATE CARD WHICH HAD A DIFFERENT ACCOUNT NUMBER BUT IT ALL FALLS UNDER THE SAME ACCOUNT WHICH IS REMOVED FROM MY CREDIT PROFILE. AS OF XX/XX/XXXX DISCOVER IS REPORTING THE CARD ON MY CREDIT REPORT AGAIN, AT THIS POINT I HAVE SENT THEM MY IDENTITY THEFT REPORT, MY POLICE REPORT AND PROOF OF MY ACTUAL ADDRESS WHERE I LIVE AND WHERE I RECEIVE ALL MY MAIL. SO I SENT THEM VERY PERSONAL AND CONFIDENTIAL ITEM TO THEM MY RETIREMENT/PENSION DOCUMENTS. NOW THEY ARE SAYING THE PROCESS IS GOING TO TAKE ANOTHER 30 DAYS FOR THEM TO REVEIW AND INVESTIGATE. I HAVE BEEN TALKING TO MAYBE 10 DIFFERENT PEOPLE AT DISCOVER AND I KEEP TELLING THEM HOW ARE YOU INVESTIGATING WHEN NO ONE IS CALING ME CONTACTING ME AT XXXX NUMBER I AM GIVING THEM TO VARIFY ANY INFORMATION. THEY ARE JUST TAKING THE WORD OF THE THEIF AND THEY ARE RUING MY LIFE.THIS FRAUDULENT CARD HAS LOWERED XXXX XXXX SCORE TO XXXX AND ITS EFFECTING MY LIVELY HOOD. APPARENTLY THIS THEIF HAS A PHONE UNDER MY NAME AND AN EMAIL, AN ACCOUNT AND AT THIS POINT I DON'T KNOW WHAT ELSE IS THIS PERSON GOING TO DO. I NEED TO GET RID OF THIS FRAUDULENT DISCOVER CREDIT CARD FROM MY CREDIT PROFILE. I LIVE A VERY SIMPLE LIFE AND I PERSONALLY DON'T HAVE ANY CREDIT CARDS UNDER MY NAME, I ONLY HAVE ONE XXXX CARD AND ITS AT XXXX BALANCE SINCE I DON'T WANT TO HAVE ANY DEBT. I EVEN WENT TOT HE POLICE AND ASKED THEM TO COME WITH ME SO WE CAN GO AND KNOCK ON THIS PERSONS DOOR, BUT THEY DON ; T DO THAT. I AM AFRAID TO GO ALONE, BUT DISCOVER IS LIVING ME NO CHOICE, I JUST DON'T KNOW WHAT THE OUTCOME WILL BE, I NWANT THIS TO RESOLVED SOON SO I CAN GO BACK TO MY NORMAL LIFE.
Company Response:
State: CA
Zip: 91352
Submitted Via: Web
Date Sent: 2021-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: On XX/XX/XXXX, we applied for a mortgage loan. On XX/XX/XXXX, we received unconditional approval for the loan. On XX/XX/XXXX, we were asked to pay {$540.00} for the appraisal and credit report. We were promised that the approximate closing date is set for XX/XX/XXXX. We were provided a loan tracker to monitor the progress of the loan. I check the tracker twice a day. On XXXX XXXX, XXXX, we called the bank. The bank promised to finalize the loan by the end of the week and setthe closing date for XX/XX/XXXX. On XX/XX/XXXX, the XXXX XXXX notified us that we have two liens on the propertyby Discover Card and XXXX. We told and provided the XXXX XXXX with documents stating that the two debts were dischargedby theFederal XXXX on XX/XX/XXXX, and attached all the relevant Court documents. On XXXX XXXX, XXXX, XXXX XXXX without our consent, contacted the Lienholder/creditor and received the letter saying that we owe them money ( court case # XXXX ) ( Portion of copy of letter dated XX/XX/XXXX as follow : ====================================================== XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX XXXX I XXXX I TTY - XXXX MON-FRI XXXX AM - XXXX XXXX EST XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Re XXXX XXXX XXXX XXXX Current Creditor DISCOVER BANK Account Number : XXXX Court Name : XXXX XXXX XXXX, Case Number XXXX XXXX XXXX File Number XXXX Current Balance as of XX/XX/XXXX : {$3800.00} =========================================== We did our lien search on our property, but, there is no lien on our property. On XXXX XXXX, XXXX, since XXXX XXXX contacted the " lien holder/creditor '' on their own without our consent, we asked to contact them to remove the lien put on our property. XXXX and the lienholder are adamant that we still owe them money. XXXX notified three options ; they are ( 1 ) pay them {$3800.00} ; ( 2 ) Cancel the loan and reapply ; ( 3 ) XXXX loan officer will cancel the loan and try to refund the fee but, we are not likely to get a refund. On XXXX XXXX, XXXX, we replied and forward/attach all the related Federal Bankruptcy Discharge and State court order documents over and over again and told XXXX that ( 1 ) We will not pay because we did not owe them. ; ( 2 ) We will not reapply the loan. ; ( 3 ) Refund the fee ~ {$600.00}. ( not an exact amount ) in order to avoid the lawsuit. XXXX should have the title search before the unconditional approval on XX/XX/XXXX. Had the XXXX XXXX done that, Why was the matter ( LIEN ON OUR PROPERTY BY XXXX AND DISCOVER ) not brought to our attention. XXXX XXXX should never take the ~ {$600.00}. fee from us by issuing false unconditional approval on the loan. XXXX XXXX on their own contacted the " Lienholder/creditor '' and conspire to collect a debt are discharged by the Federal Bankruptcy Court which in violation of FDCPA. ( ref. See Attached-Lien {$3800.00} LETTER from DISCOVER by XXXX & XXXX Co XXXX XXXX XXXX letter from LienHolder/Creditor DISCOVER represented by XXXX ) Fyi, XX/XX/XXXX Default Judgment entered Judicial Officer : XXXX, XXXX XXXX XXXX XXXX XXXX Court Costs plus Judgment : {$2500.00} ; Status : Active ; Signed Date : XX/XX/XXXX Awarded to : DISCOVER BANK Awarded against : XXXX XXXX XXXX Book XXXX XXXX, Page XXXX Judgment Book : XXXX, Page XXXX -- -- -- -- -- -- -- -- -- - XX/XX/XXXX Motion for Proceedings Supplemental Filed VERIFIED MOTION FOR PROCEEDINGS SUPPLEMENTAL Filed By : DISCOVER BANK Filed By : XXXX, XXXX XXXX Filed By XXXX XXXX XXXX File Stamp:XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX Proceedings Supplemental Session:XXXX XXXX XXXX, Judicial Officer : Shook, XXXX XXXX - XXXX Result : Commenced and concluded -- -- -- -- -- -- -- -- -- -- -- - XX/XX/XXXX Order of Continuance by Court Continued Indefinitely Judicial Officer : Shook, XXXX XXXX - XXXX Order XXXX -- -- XXXX XXXX -- -- -- -- -- -- -- -- Default judgment entered in the year XXXX which is superseded by XX/XX/XXXX, and XX/XX/XXXX Order of Court stated "... Continued indefinitely... ''. We file a Federal Bankruptcy Court on XXXX. XXXX, XXXX, and was discharged on XXXX XXXX, XXXX. ( See attached the Fed Bankruptcy Court of Order. )
Company Response:
State: IN
Zip: 46254
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
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 disputing this account with the bureaus since XX/XX/XXXX and started to dispute directly with the company, Discover Student Loans, on XX/XX/XXXX. When they didn't respond to me, I sent another dispute requesting validation of debt on XX/XX/XXXX and again on XX/XX/XXXX. Today is XX/XX/XXXX and I have sent ANOTHER dispute through certified mail to Discover Student Loans, but to date I haven't received anything from them and I don't believe this debt is valid! They have yet to validate it as well!
Company Response:
State: FL
Zip: 32043
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: In XXXX of XXXX, I opened a credit card with Discover. I didn't know about the dollar per dollar match for the first year. I also do not recall activating it. I recently activated it on XX/XX/XXXX of XXXX, only to find that the promotion term was up for me. I had never used the card. I called to ask for an extension and explained what happened. No extension was given and I was told to open another credit line but that the promotion was not guaranteed nor was the credit limit amount.
Company Response:
State: IN
Zip: 46221
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A