Date Received: 2021-11-03
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: In Mid XX/XX/2021 I applied for a secured credit card with Discover Financial Services. They approved me for a secured credit card, and I sent them my {$500.00} deposit for the secured credit card. Once they received my money, Discover Financial Services sent me via email a XXXX tax document to sign. I refused to sign this document because as I stated this was a secured card and I have had them in the past with other financial institutions without having to sign a XXXX tax document. They also would not provide a rational explanation for requesting this document other than for identity purposes. Therefore I was forced to close an account that was never actually approved because I refused to sign the XXXX, also they ask for this after they got my {$500.00} deposit. This is an important issue the deserved to be disclosed upfront in the application process. Finally I do NOT want my credit scored impacted because I had to closed account that was never actually opened from my perspective, reported to the credit bureau. But from Discover 's perspective they said I would have to close the account. I want my deposit refunded asap, as well as DFS NOT reporting this to any of the 3 credit bureaus.
Company Response:
State: NC
Zip: 28270
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I sent in a dispute letter 30 days ago, and still have not received any updates yet.
Company Response:
State: NJ
Zip: 07871
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
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. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The accounts that are still erroneously reporting on my account : DISCOVER BANK XXXX Date opened XX/XX/2018 Balance-
Company Response:
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
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 have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified 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: FL
Zip: 32609
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: During XXXX XXXX XX/XX/2021 I was a victim of identity theft and my information was used to apply for several accounts, which resulted in me filing a report with Identitytheft.gov and contacting each bureau to resolve as well as dispute the hard inquiries acquired. I reached out to XXXX XXXX XXXX regarding the fraudulent application and was informed that someone from the fraud investigation team would be contacting me, but no one ever did. Discover informed me that the account was closed and would be updated with all three bureaus to reflect as fraudulent but only a few months were deleted from only my XXXX report and not the overall account as it is still reporting as delinquent and negative. I also contacted XXXX to inform them that I had not submitted an application and was told, " the application was submitted online and flagged as potentially fraudulent, which resulted in an instant denial due to further review being needed '', and was informed that it would be removed within 90 days but that wasn't the case.
Company Response:
State: GA
Zip: 30904
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I have a complaint with discover I have been a card holder for XXXX years currently with a line of credit of {$7500.00} with a balance of {$450.00} outstanding payment history recently I received a notification requesting documents from irs of proof of income in which I provided prior to accepting card first year of having. There is nothing in there disclosure that warrants these actions and speaking to two XXXX co workers whom stated they have never went through this I feel discriminated against totally and Im filing a complaint toward this company if this was a regular process why isnt it disclosed.
Company Response:
State: FL
Zip: 33426
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: They are unable to verify my account and won't let me talk to a supervisor.
Company Response:
State: IL
Zip: 60610
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: According to Discover Card, a authorized electronic consumer credit card transaction was done via online using their digital application/contract in my name XXXX, XXXX. I received several monthly statement requesting payment of account with the alleged debt of {$320.00} and it's due balance which I offered to perform in good faith to settle upon the condition that Discover Card provided me all the necessary proof of evidence pursuant the Fair Debt Collection Practices Act, 15USC 1692g which I listed in requests documents numbered below 1. Debt Collector Disclosure which they did not provide with their letter of response. 2. Affidavit Of Debt Validation which they did not provide with their letter of response. 3. To Cease And Desist which they ignored. Pursuant the Fair Debt Collection Practices Act, 15USC 1692c ( c ) I have given First Discover Card multiple default and opportunity cure the issue at hand by sending all my affidavits certified mail and they have yet to respond to me with the requested information. An Affidavit unrebutted stands as Truth. According to, United States v. his, 658 F.2d 526, 536 ( 7th Cir. 1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 1982 ] Allegations in Affidavit in support of motion must be considered as True in absence of counter- affidavit ''. [ Group v Finletter,108 F. Supp. 327 Federal case of Group v Finleter, 108 F. Supp. 327 ] An affidavit uncontested unrequited unanswered, Morris v National Cash Register, 44 S.W. 2d 433 Morris v National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''. I have also provided Discover Card several exhibits disclosing all their violations of my consumer rights pursuant the FDCPA, FCRA and I also provided them with a detailed invoice. 15 U.S. Code 1692k ( A-A -E ) - Civil liability Also requested Discover Card to provide GAAP , Generally Accepted Accounting Principles is the accounting standard adopted by the U.S. Securities and Exchange Commission .
Company Response:
State: NC
Zip: 27127
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
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 received an email from Discover Card around XX/XX/XXXX, saying that one transaction was declined. I hadn't been using that credit card for a long time, so I checked the phone app and noticed a series of fraudulent transactions. I called Discover, and they stopped the card, and started a fraud investigation. In late XXXX ( or early XXXX ) XXXX, I again noticed and reported to Discover lots of fraudulent transactions on my account, which were also impossible to be made by myself because I was physically abroad from XX/XX/XXXX to XX/XX/XXXX. Discovered investigated both incidents, and concluded in late XXXX that there was " no fraud '', and I am responsible for all the transaction. The total amount of all fraudulent transaction from XXXX to XXXX was roughly XXXX dollars. Frustrated by Discover 's investigation result, I filed a police report with University XXXX XXXX Police Department on XXXX XXXX, hoping they can assist me with the issue. In my communications with Discover, I have repeatedly provided the following facts that clearly suggest I am the victim of a fraud and should not be responsible for the charges : 1 ) The fraudulent transactions took place in California, but I was outside of the United States from XXXX XXXX, XXXX to XXXX, XXXX, XXXX. This can be proven with a detailed Homeland Security travel record that I provided Discover on XXXX XXXX. 2 ) I had possession of the physical credit card ( ending in XXXX ) the ENTIRE time I was abroad. 3 ) During the time I was abroad, nobody except for USPS mailmen would have access to my locked mailbox, because I brought the keys to my apartment and mailbox abroad with me too. No one could have access my locked apartment, a very safe XXXX XXXX XXXX XXXX, and there was absolutely no sign of break-in. 4 ) I have never given anyone access or permission to use my credit card ending in XXXX, which I kept with me all the time. 5 ) There was no possible way for me to receive, activate, or use any credit card that Discover may have sent to me during my time abroad. 6 ) When I came back to my apartment on XX/XX/XXXX, there was no credit card from Discover in my mailbox.
Company Response:
State: CA
Zip: 94704
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am a consumer of the United States of America and did not give consent for Discover Bank to close my account. According to 15 U.S. Code 1691 - Scope of prohibition, It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, XXXX or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. It is not a violation of this section for a creditor to refuse to extend credit offered pursuant to ( 1 ) any credit assistance program expressly authorized by law for an economically disadvantaged class of persons ; ( 2 ) any credit assistance program administered by a nonprofit organization for its members or an economically disadvantaged class of persons ; or ( 3 ) any special purpose credit program offered by a profit-making organization to meet special social needs which meets standards prescribed in regulations by the Bureau ; if such refusal is required by or made pursuant to such program.
Company Response:
State: TX
Zip: 797XX
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A