Date Received: 2021-11-06
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 XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureau is reporting inaccurate information on DISCOVER FIN SVCS LLC ( Account number : XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Company Response:
State: CA
Zip: 91001
Submitted Via: Web
Date Sent: 2021-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX ; I am filling this complaint against two companies below : XXXX XXXX XXXX XXXX Balance : {$18000.00} Address : XXXX XXXX XXXX XXXX XXXX, Ma XXXX Phone number : ( XXXX ) XXXX Reported : XX/XX/XXXX Discover Balance : {$14000.00} Address : XXXX XXXX XXXX XXXX, DE XXXX Phone Number : ( XXXX ) XXXX Reported : XX/XX/XXXX My reason for this complaint is to ask for these companies to remove their charge or reports off my credit. These two companies have been on my credit report for a charge that had nothing to do with me. I was shocked myself to see the charges on my report. These charges were as a result of credit fraud activity and have been harassing me with letters and phone calls for something I did not do. These companies have added much stress into my life and I have taking the precaution of securing my credit and identity. I have since added a fraud alert on my credit report per XXXX XXXX as of XX/XX/XXXX, to prevent anymore of this type of activity. I have filed the following : Dispute letters on XX/XX/XXXX Investigated Disrupts to bureau on XX/XX/XXXX Direct disputes and validation to Discover and XXXX XXXX on XX/XX/XXXX Round 2 of dispute letters on XX/XX/XXXX Furthermore, I noticed a Texas address on my file that I did not recognize nor ever lived at upon creating an account with XXXX, which shows and proves the fraudulent activity that I had no idea about. The false address was : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I recently applied for a new line of credit on XX/XX/XXXX, and got denied. This was my 4th denial with this company ( XXXX XXXX XXXX ). I also got denied for limit increase with my current credit companies XXXX and XXXX. This is hindering me from additional line of credit to progress my life forward. I deserve to have the opportunity to obtain new line of credit and progress my life forward and these two companies are not allowing me to do so.
Company Response:
State: MA
Zip: 02149
Submitted Via: Web
Date Sent: 2021-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XX/XX/21 - I scheduled a full payment on my Discover credit card. I had 2 bank accounts listed. I chose the one titled " Primary '' and then a payment amount. I initially tried to pay an overage because I knew I needed to purchase some items for medical/health reasons. The system would not allow the amount of overage I entered, defaulted to {$0.00} and gave an alternate acceptable overage amount. I entered that amount and submitted the payment. Up until this point of over 2 1/2 years with this account, I have never had issues with Discover online payment method. Later that evening, when reviewing emails, Discover confirmation email showed that the payment was coming from the wrong bank account. This particular bank account is not my primary, is usually used for internet purchases when I use the bank debit card. For safety reasons, it is kept at a nominal balance. I called Discover and spoke with XXXX or XXXX ( it was an " XXXX '' name ) and explained the situation. She said there was nothing Discover could do to change the bank information but she could take a payment over the phone- which I did. She also advised she would put a reminder on the account for estimated 2 weeks to monitor if there was any NSF charges applied and remove them. After hanging up with her I went into the Discover app and deleted the secondary account. Before it was accepted a warning popped up stating that if the bank account was removed, any pending payments would also be deleted. Great this would alleviate payment coming from the wrong account and the phone payment would be applied correctly. XX/XX/21 - I logged into the secondary bank account and it was a negative balance because Discover hadn't deleted the pending payment per the pop-up warning and the email confirmation warning. As a side note, the payment should not have been in a pending status with the secondary bank because I have the supposed safe guards on it if funds are not available then it is to be declined. I called the bank and spoke with the manager and explained the error. He advised Discover would attempt to submit it again and put a stop-pay on the transaction. I then logged into the primary account and Discover had NOT submitted a payment request ( this was the phone payment with XXXX ) , not even pending. I logged into Discover and it was at credit balance but I could find no payment footstep for the phone payment. I have the email from Discover on XX/XX/21 for the phone payment but the rep dated XX/XX/21 - not XX/XX/21 per the recorded phone call. So I had to call Discover again, and again I was told the phone payment was pending. I still couldn't figure out how this error happened and played around in the app. It is a Discover system error. When I tried to pay the original amount, the system defaulted to {$.00} with a suggested amount and changed the chosen bank account without notice to me. XXXX Secondary bank account was back to normal and still no ACH withdrawl/pending from primary bank. XX/XX/21 - Still no payment applied so again I had to call Discover. I asked to speak with a manager and transferred to XXXX. During this conversation, I was told the system had cancelled the XX/XX/21 phone payment had been cancelled on XXXX or XX/XX/21 because there was already a payment. XXXX gave completely wrong information and the rep on XX/XX/21 gave completely wrong information. On top of this, XXXX informs me that my account has been referred to security or something for review and I will have to speak with them. She transferred me to XXXX. It was a cold transfer and so I had to explain everything all over again. His comment was to blame me because it listed the last 4 digits of bank account. 1. I don't know my bank account numbers because I don't go around citing the numbers. I know my bank accounts by name and were labeled as XXXX and XXXX. XXXX this was a Discover system error by not letting the consumer know it changed the chosen bank account. When I again advised him that I had deleted the bank account and any pending payments would also be deleted ( per pop-up message, deleted bank account confirmation email and even Discover 's website policy ) he said that was a threshhold or something. This is misleading and ambiguous information. He said the only way to make a payment was for me to schedule it with my bank. I was not open to this because I have never done this and didn't feel I should have to be charged a fee for wanting to pay my stinking bill and hung up. Later I called my credit union and asked if there was a fee and how to do it. There is no fee so I submitted a bill pay. That payment went out to Discover on XX/XX/21 XXXX EST and the funds are gone from my credit union. XX/XX/21 - I received an email from Discover demanding that I give them access to my tax returns or else they will close my account. Then I get an email that I need to pay {$150.00} because my account has been over the credit lime for 3 months. I have been late on one payment, XX/XX/21 and I called and let Discover know that I was waiting for a check and then would make my payment. I was 10 days late and then paid the full amount owed! Now I am being treated like a criminal due to Discover system error and untrained customer service. I will not be releasing my tax returns to XXXX & Discover- this is a invasion of privacy and XXXX alone has so many security breaches that I have multiple credit monitoring class action settlement services and recently another cash payout for another class action settlement.
Company Response:
State: MI
Zip: 49519
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: It has come to my attention that Discover Card has been charging me for an OPTIONAL Payment Protection membership without my knowledge or consent since XX/XX/XXXX despite being a customer since XXXX. As you can see from the attachment, their records only go back up to 24 months, and there is no such payment for late XX/XX/XXXX. I have never received any information about this so-called Protection plan in XXXX. I have attempted to cancel the membership today, XX/XX/XXXX, through their website and will see if they will indeed cease these unnecessary monthly charges. It is my understanding that Discover has been previously sued and penalized for this sort of shady, greedy practice, but the program still exists in a way where customers seem to be automatically enrolled into it.
Company Response:
State: CA
Zip: 90715
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
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: To Whom It May Concern : I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. 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 : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Sincerely, XXXX XXXX
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: XXXX XXXX XXXX mailed me a Judgement For Plaintiff notice on behalf of Discover credit card. XXXX XXXX XXXX claims I was served a summons on XX/XX/21. I was never served a summons. Total amount payable to plaintiff is {$9.00}, XXXX, according to this default judgement. I was never notified of a court date. XXXX XXXX XXXX claims the complaint was filed on XX/XX/21, and a copy of the complaint and summons were served to me, XXXX XXXX, on XX/XX/21 " as appears from the officer 's return. '' I was never served.
Company Response:
State: MA
Zip: 02128
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. DISCOVER FINANCIAL SERVICES XXXX Date opened XX/XX/2014 Balance {$1900.00} // Charge Off DISCOVERBANK XXXX Date opened XX/XX/2014 Balance {$1900.00} // Charge Off
Company Response:
State: FL
Zip: 33013
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
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. The XXXX Credit Bureau is reporting inaccurate information on DISCOVER FIN SVCS LLC ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Company Response:
State: CA
Zip: 91977
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
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 DISCOVERBANK Account Number : XXXX This is not mine.
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Ive been in contact with DISCOVER on multiple occasions in regards to this matter. They have violated my rights under the FCRA, FDCPA, The Privacy Act Of 1974. XXXX has disclosed my private information including my phone number, address, name and social security number to credit reporting agencies and other third party vendors. The Privacy Act Of 1974 The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. DISCOVER violated this act they had no permission by me the consumer to disclose any of my private information. They also violated my rights under the following statutes. 15 USC 1692b Acquisition Of Location Information. - Shall not state a consumer owes any debt. In which reported on my consumer report that I owe the a debt. In which the debt has already been paid in full. 15 USC 1681b Permissible Purpose Of Consumer Reports ( 2 ) In accordance with the written instructions of the consumer to who it relates. I never gave DISCOVER any written consent to disclose any information on my consumer report. 15 USC 6802 Obligation With Respect To Disclosures Of Personal Information A financial institution my not directly or through any affiliate disclose to a nonaffiliated third party no public personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. DISCOVER did not provide me with any notice about disclosure of my personal information to any non affiliated third party. That includes credit reporting agencies or any other data recording agencies.
Company Response:
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A