Date Received: 2021-10-28
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: to whom it may concern. on XX/XX/XXXX, i purchased an Item from XXXX : {$140.00}, and the purchased was canceled, then on the XX/XX/XXXX the full amount of {$140.00} was credit back to my discover card end : XXXX this was showing on my discover account website. but on XX/XX/XXXX the discover posted the temporary an investigate pending amount {$140.00}??? why be cause the XXXX already credit & refund it back to my account on XX/XX/XXXX. now the discover card said I OWE {$140.00} back from XX/XX/XXXX as it said reversal on my account ' however it post as XXXX transaction {$140.00} ON XXXX?? WHY NOW?. From XXXX XX/XX/XXXX all my account statement never posted any amount {$140.00}, until now XXXX?? DOES THIS ACTED comply with the '' BUSINESS & PROFESSIONAL CODES ''? - Please be kind to fully investigate this matter, to ensure it won't happen to any consumer. BEST REGARDS XXXX XXXX CELL # XXXX
Company Response:
State: CA
Zip: 92708
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This account is Fraud, I never give anyone permission to pull my report.
Company Response:
State: CA
Zip: 95838
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
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've been made aware of the fraud on the discover credit card account. They are in violation of several consumer laws. I can list a few to begin. 1.UCC 3-302 2.UCC 3-306 3.15 USC 1666 ( d ) 4.15 USC 1666 ( e )
Company Response:
State: TN
Zip: 383XX
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: DISCOVER PERSONAL LOANS IS REPORTING FRAUDULENTLY ON MY CREDIT REPORT.
Company Response:
State: CA
Zip: 90027
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-27
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 . I am filing this complaint because I have exhausted all of my possible options to rectify a situation in which my credit card company " Discover card " refuses to rectify even after they admitted to the error being on there behalf. I have been trying to get this matter resolved for about a year now. I have even worked closely with one of the XXXX credit reporting company to resolve the issue but after months of trying to resolve the issue through them, I was told I could only fix the problem through discover card, they could only make a note of the error. The error that I am referring to is Discover card had reported my account late on payment 3 times resulting in my credit score to drop XXXX pts. I have been with Discover for 6/7 year and I have been in good standing throughout the duration and I continue to do so even today when they have not fixed the error. I am currently homeless living In XXXX paying XXXX a month to stay here because my once excellent credit score is to low to get approved for a home. The error accord when back in XXXX/XX/XX/XXXX this is during the pandemic. I reached out to them to see what pandemic relief programs were available because most of my other credit card had programs. My mother was going through a really bad divorce at the time so I moved in to help her but she was forced to sell the home in the divorce so I was trying to get a jump on all my finances so that's why I reached out. I then consulted with a young lady in which she came up with a program in which my monthly minimum payment would increase from XXXX to XXXX a month and it would keep me current in terms of my payments. Which I agreed to because I she said by doing so I wouldn't be reported late. So I moved into a hotel with my mother for 3 months while we looked for a home. finally found one and was denied do to my credit score. Thats when I realized Discover was reporting my account late even though the program the young lady put me in was taking the amount out of my account monthly through automatic payment. So I didn't realize the dip in my score because to my knowledge the money was coming out of my account. Once I found this out I immediately contacted Discover to rectify the situation. This is prime time in the pandemic most ppl were working from home. So it was difficult to actually get a manger on the phone or find anyone who could resolve this issue. I finally got a manager after weeks of sitting on hold being transferred day by day to get someone who either transferred to someone who couldn't help or just simply hung up. I finally got a manager in which understood what happen then credited my account XXXX dollars do to the error on behalf of the employee who essentially put me in the wrong program which wasn't making my account which was the reason for me calling in the first place. I let several people know about he situation I was in, pleaded with several ppl who simply didn't care and didn't want to fix the reporting side of the issue which was do to the fact there employee was misinformed and then misinformed me. I was told I had to go through credit bureau ( XXXX ) etc to remove the late payments, eventhough the money was automatically coming out of my account every month and is still doing so till this day. I then filed disputes with XXXX which took more months to resolve which finally they said we can make a note of it but Discover is the actual one who has to remove the wrongful late payments. I Still call and try to get them to fix this error, employees understand that its an error but no one has any intent on helping me fix this. I am literally homeless and I have never had a late payment with Discover. I don't know what to do at this point. I just understand that it is not fair practice for them to do this to people who haven't done anything wrong. I have been the standard of customer as I said I have never had a late payment in 7 years. So to whoever is reading this I am pleading someone to help me bring this to resolution. I have attached the 3 months in which I was being reported late and the money was automatically coming out of my account. I also never received in calls from them to bring me current. I also have file showing Discover credited my account XXXX dollars because they admitted the error was on there behalf.
Company Response:
State: CA
Zip: 91790
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Fact, I, XXXX XXXX XXXX, am a federally protected consumer, debtor and holder in due course pursuant UCC 3-306. Fact, DISCOVER, is a for-profit company which headquarters is located in the area of XXXX, Illinois and is a creditor to the account in question. Fact, the account in question was opened in XXXX of XXXX, with, DISCOVER, using my personal identification and credit card information as defined in 15 USC 1602 ( l ). Fact, an account pursuant 12 CFR 1002.2 ( a ) means an extension of credit. When employed in relation to an account, the word use refers only to open-end credit. Fact, since opening the account in question in XXXX of XXXX, I have paid a monthly bill to DISCOVER, online, using my personal debt card information. Fact, DISCOVER has been collecting money from me since the account in question was opened making me to believe it is a bill when in fact it is dividends. Fact, I, the affiant, have received several statements including the subject matter of an attempt to collect an alleged debt for account number XXXX. Fact, I, the affiant, have reason to believe and do so believe, as a federally protected consumer and debtor, owe no such alleged debt ( s ). Fact, I, have reason to believe and do so believe that, all past, present, and future billing statements received by XXXX are billing errors under 12 CFR 1026.13 ( a ), beginning with the date the account was opened in XXXX of XXXX. Fact, I have sent the tender of payment to DISCOVER pursuant to UCC 3-603. If the instrument and tender is refused, there is discharge in accordance with UCC 3-603 ( b ) Fact, I, the affiant, am asserting my right to acquire documentary evidence in accordance with 15 USC 44 for the books of accounts as defined in IRS Publication 583, to explain and address such subject matter contained in said billing statements. Id like to access both the journal and credits of accounts, as well as the ledger and debits of account, in order to verify the current accounting and taxes related with this account. Fact, in accordance with 15 USC 1666d, if there is a credit of account balance with surplus over 1 dollar in accordance with the journal and ledger entries described in IRS Publication 583, the amount balance should be credited and the remaining balance direct to I, the consumer by check. As this is a formal instruction in accordance with 15 USC 1666 ( b ) ( 2 ) to provide documentary evidence, which includes books of account in accordance with 15 USC 44 to resolve this billing error, the documentary evidence, which includes books of accounts in accordance with 15 USC 44, must be provided to clarify this amount. Fact, I, the affiant, am aware, with resolving this billing error, the creditor has legally agreed to forfeit all rights to collection all past, present, and future amounts in dispute pursuant to title 15 USC 1666 ( e ). PLEASE NOTE : Fact, I, the affiant, am aware, rules pending resolution state creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumers credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges pursuant 12 CFR 1026.13d ( 2 ). Fact, I, the affiant am aware, that, DISCOVER as the creditor may not collect any disputed amount. As a federally protected consumer, whom does not need to pay, the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumers credit standing without resolving the billing error. Such actions by DISCOVER will forfeit its rights to collect the disputed amount as described in 15 USC 1666 ( e ) and hold the creditor liable under 15 USC 1693m to DISCOVER for actual damage cause to I, the affiant, as well as held to criminal liability pursuant to 15 USC 1693n for failure to present required documentary evidence as request to clarify and resolve the previously addressed billing error. Fact, I, the affiant am aware, DISCOVER, can not and shall not restrict nor limit nor cause any disruption of any manner of the account in question pursuant 12 1026.13d ( 3 ), a creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section Fact, I, the affiant am aware, that, in accordance with 16 CFR 433.3 DISCOVER is not exempt from any claims or defenses as described in 16 CFR 433.2 ( a ) as the affiant, may invoke, rights as the debtor in this consumer credit contract against DISCOVER for the unfair and deceptive practices herein as no contract after the date of XX/XX/XXXX is exempt from 16 CFR 433.3.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: from : my credit report activity Alert Someone used my credit XXXX2021 Source : XXXX Business Name : Credit Collection Service Balance Amount : {$910.00} Business Information : XXXX XXXX XXXX XXXX, Ma XXXX I contacted XXXX that someone used my credit to remove this bill off my credit report and filled out all the necessary paper work and mailed on Monday XXXX XXXX, 2021 and have not hard back.
Company Response:
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-26
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: I filed a dispute through discover for the amount of {$490.00} initially on XX/XX/2021 against a merchant ( XXXX XXXX ) that didn't send me the items as received and was scammed. I went through the dispute process with Discover and provided documentation when asked. I was told not to worry about it and was given a temporary credit. It was later reversed a month later and I followed up asking why. They said that they were putting the case through a second review and that the merchant didn't provide valid documentation. Turns out that's all false because the second review sided with the merchant saying the transaction was valid? Dragged out to almost 3 months just for that kind of response?
Company Response:
State: OR
Zip: 97123
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-26
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: On XX/XX/21 I went to XXXX XXXX at XXXX with someone < XXXX y/o. I was not informed of the policy of > XXXX y/o after XXXX until my card was charged. I was promised by the cashier that they would process the refund at the end of the day if we didn't play any games and just left. After a couple of weeks with no refund, I called XXXX inquiring the refund and was told they don't recall my story so I opened a dispute with Discover on XX/XX/21. Discover gave a temporary credit while they were investigating and originally sided with me. Then on XX/XX/21 they charged me back for the transaction, but credited it back on XX/XX/21. On XX/XX/21 Discover decided to side with the merchant and charged me again, but this time with no credit back.
Company Response:
State: TX
Zip: 78229
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX, XXXX, XXXX XXXX had a male whom identified himself as the XXXX County Police call me to say I'd be served in court for a 20 year old credit card debt that was charged off. They call to harass and threaten me, and I have requested they discontinue calling me.
Company Response:
State: AZ
Zip: 85392
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A