Date Received: 2021-11-12
Issue: Getting the loan
Subissue:
Consumer Complaint: After applying for a personal loan at Discover Card personal loans, I was provisionally approved upon receipt of certain documents : Drivers License, SS card, and 3 months of bank statements. Upon learning they wanted bank statements for such a relatively small loan, I called and asked a Discover agent if that meant including transactions and he said yes. And he reiterated not to leave anything out and to include ALL pages. That means Discover would have information to THREE months worth of private, personal transactions that could include : Co-pays to Dr 's offices ( which is a violation of HIPPA ) showing the name of the doctor and specialty Co-pays to pharmacies Where I shop and for what Where I visit and/or travel Memberships and/or clubs/gyms I belong to Subscriptions My cell phone provider ( So they can sell my info to the competition? ) Any personal transactions that are between me and a company, including the amount They essentially want everything I've used my Debit bank card for in the past three months. When I told the Discover card agent that this was incredibly invasive for such a small loan, he just reiterated to not leave any pages out of my bank statement. Keep in mind I have very good credit. And I don't trust a CC company to NOT sell my information or use it to their benefit. They're always changing the user agreements and most times you have no idea what they've actually changed. This is egregious behavior and abuse of authority. What do they need all that info for? Are they using it to build profiles of the thousands of people applying for their loans? Creating a database of people 's private information, including medical? Selling it to third parties? Storing the information in a computer that could get hacked? I even asked if it was OK just to show inflow and outflow and the agent said NO, we want it all. I was flabbergasted. I'm not applying for a mortgage. This is an under $ XXXX loan to pay off high-interest credit cards. Someone needs to look into Discover Card personal loans as I'm not the only one. According to the agent, they request that of everyone. Imagine all the info they now have on Americans.
Company Response:
State: MA
Zip: 02703
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XXXX XXXX informed me I do an excellent chance of receiving a credit card from Discover with a deposit. A credit card to improve my credit. My credit history very good. The evidence is I was late to pay Discover, but I paid every debt to Discover I owed to discover. The evidence is Discover will earn money by giving me a line of credit. Discover will be paid. Discover denied me a line of credit inappropriately. My credit score was negatively effected.
Company Response:
State: TX
Zip: 78748
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 10451
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft 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 XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft DISCOVER BANK Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: NH
Zip: 03104
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: Account was placed into suspension, Im not able to use card or order new card along with increase my credit limit ; due to me being denied because of erroneous information being furnished on my account by other companies. Discover is denying me credit or to extend my credit due to the information they obtain every month from running soft inquiries on my consumer report. All of these acts from discover are violations under the FCRA, TILA and ECOA.
Company Response:
State: MS
Zip: 38930
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have been in contact with Discover and they had advised me on XX/XX/2021 that the amount that they had offered for a settlement was 50 % of the balance. They were contacted various times and this was not the amount advised as I had the information written. I'm in a significant hardship due a permanent health condition. The agent was advised that I was not able to come up with the funding which they advised was to settle at 65 % of the balance and would not change this amount. I have secured a amount that is close to the 50 % which is 35 days subsequent to the date I contacted the credit card. The position they have taken is to advise that they will not honor the 50 % which was not advised and kept requesting a minimum payment to secure the settlement which is higher than the 50 % now at 60 %. I have secured money from a family member to settle the debt and am formally requesting help from CFPB for the credit card company to honor what they advised would be the amount to settle with me. The last representative in XX/XX/2021 has misled me and not advised of the amount the representative advised on XX/XX/2021. Discover attempted to increase the settlement to 60 % and make the payments extend to 36 months to make it seem as if they were working with me but they are not as the increase of 10 percent is significant when do not have income.
Company Response:
State: CA
Zip: 95747
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I contacted Discover in regards to a debt that they stated I allegedly owed.This debt is currently being reporting on my XXXX credit report as a charge off. I requested for validation of the debt and they did not comply or validate this debt. They are also in violation of 15 USDC code 1681b permissible purpose of consumer reports. Under this law I never gave them written consent to report anything on my consumer report.
Company Response:
State: FL
Zip: 33073
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 4. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 11364
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
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. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on DISCOVERBANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Old late payments keep popping up which wasnt late auto loan. Discover is reporting negative and its not my account.
Company Response:
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A