Date Received: 2021-10-20
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: The card DISCOVER BANK filed a claim on me inXXXX,. I went to court it was discharged because. I didnot have income. On XX/XX/11 XXXX. Discover card filed a claim again this debt i XXXX XXXX XXXX. The letter states CONTINUING WRIT OF GANSHMENT AGAINST SALARY OR WAGES The case Company # is XXXX XXXX XXXX XXXX. XXXX/ Ky Toll # is XXXX XXXX. I stared receiving robot calls from # in that area in XXXX every day. XXXX
Company Response:
State: FL
Zip: 337XX
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: 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: From the dates of XXXX XXXX XX/XX/XXXX there was an individual who used my credit card for more than a thousand transactions without my knowledge or authorization. I initially reported the fraud in XXXX of XXXX and opened my first fraud case. There's a transaction on my discover account for spy software, which the individual used to further commit fraud by hacking my phone and collected my credit card information, debit card information and additional personal information and purchased for roughly {$50.00} ( I have a copy of the statement with the purchase ). I had to submit 3 or 4 different fraud cases and explain the situation several times until there was one discover customer associate who went through transactions from XX/XX/XXXX to XX/XX/XXXX with me which accumulated a total of roughly $ XXXX. This was a 3 hour phone call which is on recording that I have saved in a file. I continued to make the minimum payments, knowing that the charges and credit card balance were not made by me because I didn't want it to affect my credit score in a negative way while Discover " investigated '' the fraud/identity theft. I made a police report with my county police department on XX/XX/XXXX. Discover did nothing but make matters worse for me throughout this entire process and continued charging me XXXX % interest on the account, making it continue to increase substantially. I contacted XXXX and XXXX to have my credit lock/froze because of the fraud until Discover finished their investigation. No one from Discover 's fraud department contacted me with any resolution to my dispute or the fraudulent charges until around XX/XX/XXXX when they simply cleared my balance of roughly $ XXXX, which was primarily increasing due to interest charges. Yes, Discover wiped $ XXXX but there was over $ XXXX unauthorized charges on my account ( s ) and many payments made on the account by me for the fraud charges. I have several recorded calls with several customer support and the investigation team members. Discover reported that the dispute was resolved when it was not and I was not made aware of this. Fraud continued to happen on my accounts because I feel like the investigation team did not care about my case or have any interested and/or concern regarding returning my funds. I last spoke with Discover yesterday morning with the individual who committed the fraud and called Discover 's fraud department that had/has been working on my cases and the individual made a full confession stating their name to the discover fraud team with additional information to prove their idenity and called off their personal cell phone as well. This call was recorded as well and the only thing two women from the fraud team said was that there's nothing we can do and that's not enough proof. The culprit was on the phone confessing to all charges and even stated that I did not authorize them to use my Discover credit card, but the women repeated that this was not enough proof, that I would have to get it figured out with the police department and there's nothing else they can do. Why does Discover have a fraud department if they said they can't do anything about the fraudulent transactions or show empathy to customers facing an extreme financial hardship like myself caused by fraud. I contacted Discover many times about the fraud but there must have been miscommunication on Discover 's end because 3 fraud cases were made, but there were also 3 different credit cards associated with the fraud. I went through every transaction that was and was not mine and have the statements from my bank account linked with my debit card with my locations of transactions I made around the same times that fraudulent transactions with the location ( s ), which also supported my fraud claims because due to the locations, it would have been impossible for me to be in both locations at once.
Company Response:
State: SD
Zip: 570XX
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: 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: 462XX
Submitted Via: Web
Date Sent: 2021-10-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I got at least 2 personal loans with Discover Personal Loans. I paid them off in record time. When I applied for a loan this time they kept making me submit more documents, Which I did when I called they said every thing was fine call back in a week. Then when I called back said they were unable verify credit application information. I have a Discover XXXX XXXX. This a case of sex, age and race discrimination. These people sent the loan application and when they found out who I was they canceled me out. I am a XXXX for the State of Michigan and I see work on these type of cases all time this behavior needs to be exposed.
Company Response:
State: MI
Zip: 480XX
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: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: My sister XXXX XXXX added me as a authorized user to her Discover account. XXXX listed the Florida address on my report but refuses to place the account on my credit bureau which would raise my score. Im shopping for a home loan, and the account would help me. The credit bureaus only list information that hurts me.
Company Response:
State: MO
Zip: 64030
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I signed up to receive my security deposit back by direct deposit on my discover credit card. The money was processed to be sent back on XX/XX/21 I was told by multiple agents I would receive it within 3 business days at most. Then after the 3 business days they told me it would be sent by check and they didnt know why and that it would take 7 business maximum. It has now been over 7 business days and I reached out and they are now giving me the run around and have given me no concrete answers.
Company Response:
State: PA
Zip: 19128
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In XXXX I opened an account with Discover. During the duration of being an account holder have had a good customer experience, even opened a checking account with this company. However, on XXXX XXXX Discover sent me an email requesting that I complete IRS form 4506-C to provide consent for them to retrieve my tax documents to verify my identity. When received the email my first reaction was to contact the number on the back of my Discover card to find out if the email was legit or a scam. Per speaking to a representative was told that the consumer protection department is handling my account and that this request is part of an internal audit they do. I was also told if didn't file taxes then to let them know, so could verify my idenity another way. The problem is everytime I make a payment that pays down my balance significantly Discover 's consumer protection department places a hold on my account and says they have to verify my identity. Discover has verified my identity, as well as income, when I opened my account, and each time they've previously requested additional information over the two year duration I have had my account. They even verified my graduation date, as my account was originally a student account. Discover 's practice of requesting customers to consent to them reviewing tax documents raises questions about the legality of the request, as well as, if this practice is discriminatory. Therefore, I will NOT be completing IRS form 4506-C to Discover as do not consent to them reviewing my tax documents. On XX/XX/XXXX contacted Discover to notify will not be completing IRS form 4506-C, and the only consent give is for them to close my accounts if they deem it necessary. When contacted Discover per their representative XXXX in Delaware would have to contact the department directly. I asked her just to transfer my message internally to the department and she stated she was not able to do that. If this is a legit request why can't Discover representatives contact this department to notify of a consumers refufusal to complete the requested form? Have credit cards with other companies and they have never asked for consent to review my tax records. As previously stated, " Discover 's practice of requesting customers to consent to them reviewing tax documents raises questions about the legality of the request, as well as, if this practice is discriminatory and needs to be fully investigated. ''
Company Response:
State: IL
Zip: 60564
Submitted Via: Web
Date Sent: 2021-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
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: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: An Application for a credit card was made in my name and SSN on XXXX Application # XXXX it was denied. I made a police report to my local police XXXX County police Report # XXXX office XXXX XXXX XXXX. Sent a request to Discover card for a copy of the credit card application information. To obtain this information it was required to submit proof of my ID and a copy of the police report with a written request for the application. Upon receiving the information I attempted to follow up on IP Address : and addresses that were in the application. Called local XXXX county Police and spoke with Officer XXXX, she informed me to register my complaint with IC3.gov. since there has been interstate violations, which I completed. Fraud alert has been posted on my account with all three reporting agencies. Received notification about another incident from XXXX XXXX yesterday Ref. # XXXX. Called XXXX XXXX the application was denied. I was told to be able to recieve a copy of the application with XXXX XXXX I had to show proof that I have report these incidents to your agency.
Company Response:
State: SC
Zip: 29526
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Consumer Financial Protection Bureau : I wish to dispute any and all association with Discover Card credit account tied to my credit score. At no time have I ever had an account with Discover Card, nor have I ever authorized anyone to open such an account. I humbly request that all references to this account, and the negative marks related to its delinquent status, be dissociated from any record of my credit history. I began checking my credit regularly several years ago after the report of a substantial data breach within the South Carolina Revenue Service. Using the XXXX XXXX app I noticed an account with Discover Card was under my name. After beginning my investigation in earnest, my then wife and now ex-wife informed me she opened this unauthorized account. At no point did I ever receive a Discover Card, a statement was never forwarded to me, nor did I ever make a single purchase using that account. I have contacted Discover Card dozens of times informing them that this account was created without my consent. Protests have been filed and appeals have been submitted. The only Discover Card associated with this account that I have ever seen is in the name of my ex-wife. I have never be in possession of a Discover Card with my name on it, nor have I ever made a single purchase of any kind with such a card. Furthermore, I have produced the divorce documents stating that my ex-wife, ( name redacted per your request ) takes full responsibility for addressing the balance of the Discover Card. This is account is NOT responsibility. I authorize your organization to do a full review of my credit history and consult with any and all of my other creditors. You will find no other late or delinquent accounts, nor any accounts that were ever late or delinquent. Actually, you will find that I have paid off every vehicle and or loan early. My mortgage has every so much as had a late payment of any kind. Please, I beg your agency to use a modicum of discernment regarding this circumstance. All logic points to the fact that this delinquent account is not mine. Discover is engaged in character assassination of the most odious kind. I have thousands of dollars of debt in my name, all being serviced and reduced in accordance with the original terms agreed to with my creditors at the time each account was established. A credit score is supposed to an attempt to accurately display a persons credit worthiness. Due to Discovers refusal to clear my name, even though they MUST know this is not my debt, it continues to negatively affect my good name. I ask that your agency correct this travesty by removing this erroneous information for the reporting of my credit history. I you will just give me the opportunity, I am will to speak to anyone, travel anywhere, supply documents, provide affidavits, etc. to clear my name and correct this injustice. Thank you for your consideration.
Company Response:
State: SC
Zip: 29229
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A