Date Received: 2023-11-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Reached out to DISCOVER BANK regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a late payment account without a balance due. Please provide proof and update the inaccurate reporting or delete the negative payment status on this account. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.DISCOVER BANK XXXX
Company Response:
State: CA
Zip: 91605
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am writing to seek clarification and verification regarding the reported late payment associated with my DISCOVERBANK account, XXXX which I have recently discovered on my credit report. I do not recall having a late payment for this account, and I kindly request your assistance in resolving this matter. I value my financial responsibilities and have maintained a strong commitment to ensuring that my accounts are managed diligently and payments are made promptly.
Company Response:
State: NY
Zip: 10801
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have been a Discover card member since XXXX. On Saturday XX/XX/XXXX, my husband had a number of credit cards stolen from his wallet while we were out jogging. We discovered this when random charges at an XXXX XXXX in XXXX, GA starting showing up on his phone. He was called or reached out to each of them and they denied the transaction. Then, my phone was notified of such a transaction for {$1500.00} on the Discover Card and I immediately went on the app and froze my account. This was good as the thief then tried to put another roughly {$1600.00} charge on the account, which was denied. So keep in mind that the thief had tried 2-3 times to use different cards before the Discover card went through. So clearly someone at the XXXX XXXX had been allowing them to try this without checking IDs. And then clearly tried to put another {$1600.00} on the account ( which luckily, I had frozen ). I called Discover immediately and told them my husband 's card had been stolen and that there was a fraudulent charge pending and could they deny it. I was told that the charge could not be denied, but that I could dispute it after it came through. This seemed weird to me, and I expressed that, but was told that was all I could do. They also cancelled the account and resent us cards. Then, today, I went online and saw this notice : Resolution Date XX/XX/XXXX Description XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1500.00} Dispute # XXXX XX/XX/XXXX Transaction has been found to be valid. A decision has been reached for this investigation and we have found that this transaction is valid. You can expect to receive information on this decision to be sent to you via mail or secure message at Discover.com. Please review this information when it arrives for important details summarizing this dispute inquiry. Please notify us as soon as possible if you wish to continue this dispute. So I called Discover immediately and said that I wanted to dispute this. I went over the details again and I was quite upset. The first man I spoke to said it was my fault because I didn't report the card as stolen -- I just disputed the transaction. This is false, as I called Discover as soon as I found out the card was stolen. He then transferred me to the fraud department and I was assured by the women I spoke to there that this would be re-investigated and that she was sure it was fraud and it would be taken care of. She particularly noted that the attempt to put about {$1600.00} on the card after they had had " success '' getting the {$1500.00} on pending status was a clear sign of fraud. Then that same day I got a notice that they had denied my request again. Again, they are treating this as a dispute and not a stolen card and fraudulent transaction. I have also reached out to XXXX and started a case with them to investigate this incident. They called the store who now says they also believe that it was an illegitimate charge -- especially since clearly the thief tried several cards before this one went through. But since Discover let it go through, they feel like their hands are tied. So I am stuck - XXXX says the charge was fraudulent but wont refund it and Discover wont refund me for the fraud.
Company Response:
State: GA
Zip: 30342
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In ordinance with the Fair Credit Reporting Act, XXXX account has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 SC 1681 section 604 A 2 also states a consumer reporting agency can not furnish an account without my written instruction under 15 USC 1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/2023, I sent a dispute letter to XXXX regarding fraudulent charges on a Discover Card account, which were attributed to me due to identity theft. The account in question had several unauthorized charges totaling {$310.00}. I provided comprehensive evidence, including a police report and an FTC Identity Theft report. XXXX acknowledged the fraud and removed the account from my credit file on XX/XX/2023. However, as of XX/XX/2023, I discovered that XXXX had reasserted the previously deleted fraudulent account back onto my credit file. This action is not only against my rights under the Fair Credit Reporting Act but has also continued to severely impair my access to credit, including business credit linked to my personal file. This reinstatement happened despite the submission of substantial evidence and the acknowledgment of identity fraud. I sent a police report, FTC report and documents proving my identity. Discover are doing their best to suppress this issue at hand and I'm now prepared to litigate! This incident is the latest in a series of unsuccessful attempts to resolve this issue, marking either the second or third time I am addressing this complaint to the reporting agency and the creditor. The first attempt to address this FRAUD, Discover came back in 2 days and said they did an investigation and it's verified not fraud. When I called Discover to ask them how they performed their investigation, and to show proof, they could not provide details. I spoke to a supervisor and someone in the fraud dept. The continual mishandling of my credit file by XXXX and Discover in light of clear evidence of identity theft has caused ongoing financial and personal distress.
Company Response:
State: NY
Zip: 10010
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX acct XXXX an fraud account listed on my report is the amount of {$17000.00}. XXXX XXXX acct XXXX has a fraud account listed on my credit for {$600.00}. Discoverbank acct XXXX has a fraud account listed on my report with credit limit of {$2000.00}. XXXX XXXX has a fraud account listed on my report.
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Discover Bank - {$280.00} - Balance Updated XX/XX/ - This is a fraudulent and unauthorized charge on my credit report, I never authorized Discover to charge my credit and I never opened an account with them and I want this false information. I contacted them multiple times about this issue through phone calls and emails. I also put in multiple disputes with third party companies like credit karma and even with experian and this is still a standing issue that needs to be resolved. XXXX XXXX XXXX - {$780.00} - Balance Updated XX/XX/ Department Of Education - {$10000.00} - Balance Updated XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 77021
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Discover Bank - {$280.00} - Balance Updated XX/XX/2023 - This is a fraudulent and unauthorized charge on my credit report, I never authorized Discover to charge my credit and I never opened an account with them and I want this false information. I contacted them multiple times about this issue through phone calls and emails. I also put in multiple disputes with third party companies like XXXX XXXX and even with XXXX and this is still a standing issue that needs to be resolved. XXXX XXXX XXXX - {$780.00} - Balance Updated XX/XX/2023 Department Of Education - {$10000.00} - Balance Updated XX/XX/2023 XX/XX/2023
Company Response:
State: TX
Zip: 77021
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I tried to withdraw {$200.00} from the atm, but did Not Receive any Cash, or the Receipt, or an error message, but each time I tried it subtracted from my balance, I filed a dispute with discover bank, they denied the dispute and mailed a letter stating I can request a copy of the proof from the merchant, but when I call to request the proof, they stated they can not send it to me, the resolution I'm looking for is to either provide the proof that the ATM dispense the funds, Or credit my account for the amounts in question..
Company Response:
State: IL
Zip: 60621
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Att : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX RE : Credit Reporting Act Violation Dear Discover Financial Service/ XXXX XXXX XXXX You/Your Company are in violation of the Credit Reporting Act 15 USC 1681 b for unlawfully obtaining my XXXX consumer report on the dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without my authorization and permissible purpose under the FCRA, as a XXXX of you unlawfully obtaining my consumer report without my permission you are liable to me actual damage or statutory damage about up to {$1000.00} in punitive damages. Pursuant to 15 USC 1681n ( 1 ) ( B ). I am demanding {$1000.00} per violation. Pay me {$13000.00} and deliver it to my address above within the 14 days of receiving this demand. Please provide an Affidavit Certifying that Discover Financial Service did not breach any laws under the FCRA. Thank you for your time and attention. Sincerely, The letter above was mailed on XX/XX/XXXX via USPS and was delivered on XX/XX/XXXX at XXXX XXXX. As of XX/XX/XXXX I have yet to receive a response from this company.
Company Response:
State: LA
Zip: 70001
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A