Date Received: 2021-10-22
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. 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: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
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 obtained writing services from XXXX from XXXX XXXX which I was dissatisfied with their product as it did not meet several requirements. The products were not useable. I complained directly to the company who said they would refund me, but never did. I filed a complaint directly with Discover Card as that is what I used to make the payment for the writing services. Originally, it appeared as though Discover found in my favor against the company and I was not longer charged for the services. I started receiving harassing emails, text messages, and calls from XXXX demanding that I have Discover reverse the charges and they will refund me directly. If I did not, they threatened to contact my college and accuse me of plagiarism which was never committed. This occurred in XXXX of XXXX. I contacted Discover and explained to them the situation from the merchant and, I was scared, asked them if I was able to relaunch the complaint should they know reimburse me. I was told yes so Discover cancelled the dispute. A month went by and I received no refund from XXXX and the balance left on my credit card was exclusively and entirely from XXXX in the amount of roughly {$240.00}. I explained this to Discover. We were in constant communication regarding this balance. I could not pay for it and did not feel that I should have based off of the agreement. After getting nowhere with XXXX, I asked Discover to relaunch the dispute and the alleged that they would, but then they could not. On my credit report, it shows no payment from XX/XX/XXXX-XX/XX/XXXX. Discover closed my credit card that I had in excellent standing for many years, since XXXX. They closed it abruptly without consulting with me directly. They also had done this despite the fact that I had a case with the Attorney General against XXXX. As a result, my XXXXedit score dropped over 140 points. I want my credit card back opened as I ended up making an agreed payment in XXXX of XXXX after acknowledging that I was not sure how long the AGs investigation was going to go on. During the call with the representative from Discover to make the payment, it was not disclosed to me that my card was closed. Also, the amount was paid and my credit report should reflect that, but it reflects that I missed 27 % of my payments.
Company Response:
State: NY
Zip: 14450
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Discover bank is fraudulently charging my debit/credit card account without my authorization, which is " unauthorize us '' means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I have contacted them to resolve this issue but their representatives are purposely hanging the phones up. i have tried to speak with a supervisor/manager but they've had me on hold for hours and disconnect the lines. Charging any fee is a violation 15 usc 1692f ( 1 ) Unfair Practices- A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: My Discover card was closed without notice and this will have an effect on my credit score. In fact, when I paid off my XXXX XXXX, my credit score went down XXXX points?????????? I called Discover to find out why they did this without notifying me and they claim they sent an email back in XXXX and a letter I never got in the middle of a pandemic. I spoke with Discover XXXX XXXX on XX/XX/2021. Requested a copy of the letter. This is what banks do with consumers. I had not used the Discover card, as it had a very low limit and they were rude when I inquired about it about two years ago. My credit score is currently XXXX. It was XXXX. It went down to XXXX after car was paid off. So its not your good pay that counts. Its the banks abusive behavior towards middle class honest consumers. Whats worse is knowing that this agency the CFPB is in the banks pockets. Just wished to make a record. What a waste of time and money we might as well all go live in XXXX XXXX.
Company Response:
State: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This is XXXX XXXX , who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item DISCOVERBANK is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. DISCOVERBANK XXXX {$3000.00}
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have a right to privacy pursuant to 15 USC 1681 and my federally protected consumer rights are being violated. 12 CFR 1026.13 ( d ) ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's 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. See attached.
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I paid my credit card off on XX/XX/. Two days, I went to check to make sure that there was a XXXX balance. To my surprise there was a {$20.00} fee applied to my account. I paid that balance. Today I received another email informing me that I owed {$56.00}. I called Discover to inquire about this new balance. I was informed that because I paid my balance two days after the due date, I was charged interest and late fees. I was very upset with the company. I told the company that they were penalizing me for paying off my balance. Something needs to be done to prevent companies, like Discover, from penalizing individuals from paying off their balance. The company will try to hide between a false narrative about when I paid my balance. The truth is Discover is penalizing individuals for paying off their balances.
Company Response:
State: CA
Zip: 95828
Submitted Via: Web
Date Sent: 2021-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
Company Response:
State: IN
Zip: 46077
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have received an online letter from Discover recently reviewing my account without my knowledge Discover stated my credit transaction account is OPEN, but you have changed my account to a lower amount. Discover is aware that I have extended credit to your corporation in XX/XX/2019. Discover has violated me by using my credit report to have judged me by the character of information that was provided by a third party and not authorized by me. I was judged by an alleged negative character that Discover wasnt present to know for sure if the history provided is facts. Im writing you because my credit line should be an open-end credit plan not lowered to {$9400.00} You have already extended my credit from my credit card. Therefore, I demand you to re-consider my credit line to an open-end credit plan. If you are not able to provide me with an open-end credit plan, I would like my documentation evidence and I will ask for a right to rescission. As per the statements that have been given to me monthly there are many billing errors. As per Congress 15USC1666b, the statements that are given are not bills for me it is just a receipt. Also as per Congress 15 USC 1666d Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on any account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. Discover has closed my account after the letter above was received. I didn't give permission for Discover to close my account.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2021-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hello, months have gone by and I still havent received remedy for my complaint. I have been ignored and taken advantage for several months. Discover Bank has falsely and inaccurately reported a late payment to my credit reports on XXXX XXXX.When I asked the executive office to prove that they have permission to report anything and especially an experience between us to someone or another company ; XXXX XXXX of the executive office of customer advocacy then proceeds to send me an email with a member card agreement. I Have a screenshot attached of the email with the date stated by him. Discover Bank has violated my rights as a consumer put in place by the government in the FCRA. Pursuant to the law 15 USC 1681a 2Ai it states : Report containing information solely as to transactions or experiences between the consumer and the person making the report is to be excluded. Stated by Congress a person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency or any other entity. A late payment is a transaction between the consumer and the person ( corporation ) making the report. This company reports to the credit reporting agencies. Congress says the transaction and experiences between the consumer and the person making the report is not to be included in your consumer report.
Company Response:
State: TX
Zip: 77539
Submitted Via: Web
Date Sent: 2021-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A