Date Received: 2021-10-19
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. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Company Response:
State: PA
Zip: 18052
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
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: CA
Zip: 91605
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The account was on automatic payment for almost 22yrs I lost my check book and account number changed in bank On XX/XX/XXXX the total balance amount paid in full {$130.00} On XX/XX/XXXX the bank returned payment and card company charge me {$29.00} fee On XX/XX/XXXX I had a call with the agent and requested to reversal {$29.00} as one time credit and she gave me the balance amount to be paid is {$130.00} I made the balance payment of {$130.00} and was thinking balance is XXXX and did not check the online statements but she never removed the amount and {$29.00} it was showing on my account for past 2 months as I was due Due to the agents wrong communication and miscommunication issues I'm suffering from credit rating loss and I worked very hard to bring my credit to good standing and always respect creditors money - and paid on time or before time Due to this minor communication issue the credit really damaged big time and I'm suffering from mental stress Please let me know how do I go by fixing this problem and request your good self to guide me Thanks a million
Company Response:
State: GA
Zip: 30041
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
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 started a dispute on XX/XX/XXXX with Discover credit cards because I was charged by XXXX XXXX {$1300.00}. As of today XX/XX/XXXX, Discover said there is nothing they can do to assist in the remediation nor will they offer a credit. Background On XX/XX/XXXX, I made a purchase from XXXX XXXX for a suspension for my car. I received the wrong parts, they admitted this in writing ( attached ). I reached out to XXXX multiple times to get an RMA or exchange so I could send the parts back for a refund. They ignored all of emails for the request which I made on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX along with multiple phone calls. Discover said that their hands are tied and I need to pursue other avenues to remediate. My question is " what other avenues ''? I've tried everything.. All of the documents attached have been reviewed by Discover in making their decsion My request is for Discover to issue a credit for {$1300.00} along with accompanying interest on that amount, {$46.00}.
Company Response:
State: OH
Zip: 43221
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied to a 2nd mortgage thru Discover loans recently on line. I was mailed the loan application and received it on XX/XX/XXXX. I gathered all information they said was needed, signed all necessary pages and returned the application through the US postal service 3 day on XX/XX/XXXX ( which they should have received on XXXX XXXX ) I have not at any point during this application process received any correspondence via email, phone call, or US mail from Discover Loans asking for additional information or concerning any problems with my application, but today on XX/XX/16 I receive an email from them stating that they have been trying to contact me and due to not being able to do so have closed my file and that I am free to start this process all over again. Again I repeat, at no time have has discover card reached out to my in anyway about anything. The obviously have my information on how to reach me ( I got the email when I started the process and one when they closed it but not a word from them in between ) Which leads me to question what really is the issue
Company Response:
State: KY
Zip: 40258
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX XXXX of XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX has committed countless acts of fraud toward discover including but not limited to synthetic Id theft by creating synthetic identitys XXXX XXXX who does not exist and having that synthetic ID piggy back off of her to build a score and defraud lenders. She also has done countless chargebacks including hotel stays and airline tickets. I believe discover is complicit as I have been reporting these incidents for some time now to no avail. I will attach her fake drivers license with her face and the fictitious name she created then added it to her discover card as an authorized user. I will also attach the fake profiles XXXX XXXX info.
Company Response:
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The company discover added items on my report that I never gave written consent or authorization to be placed on my report. Which is a violation of my consumer rights under 16 U.S.C 1681b ( 2 ). Im having that same issue with Discover and XXXX XXXX XXXX.
Company Response:
State: MS
Zip: 38930
Submitted Via: Web
Date Sent: 2021-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-17
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: On XX/XX/XXXX I deposited my unemployment back pay check into my bank account. It was immediately placed on an extended hold because of the amount which which was understandable, and the XXXX the check was to be made available. Im attempting to fulfill my financial obligations and request a wire transfer, this is completed and I go about my business with no issues. I call in to verify the wire because for some reason when it comes to wires XXXX seems to lose verification information and to clarify this means when Im supposed to give my additional information to verify my transfer Ill have multiple calls from reps asking me to verify my documents as if Ive never sent them to begin with. Im making several calls to discover to not only alert them that Im making payments but I also had a lengthy call about increase my spending limit. This is all COMPLETED, and I proceed to send money when I receive a text while on the phone with discover that my account is being frozen for fraud and suspicious behavior. I call immediately and am told the wire and everything else would be locked because my received word that the check was in bad face from the company that sent the check. Makes absolutely no sense and I find myself no funds, no access to funds and a family that is lacking groceries and other necessities because of a severe lack of communication. I upload on the XXXX my drivers license, the teller check receipt. Im told in 2 days Ill receive a word back, every call since has been different information regarding expected times and expectations. Im told the only way they can verify is if they speak to the bank that wrote the check. Hold times are egregiously long, but they cant spend enough time on the phone waiting. My money and my life are on pause because my bank doesnt have the time to spend waiting on extended hold times? Is there some unspoken time limit to assist and why do I find myself begging and pleading for help and anyone to assist. Im polite when Im on the phone, Im understanding, Im Cooperative and I understand that there are security measures but when I have so much at stake is waiting 20 minutes on the phone to much to ask? I have initiated every call from the XXXX to current day and when you hear the automated voice from the banksay theres extended wait times and I have to be on the phone as well to confirm information and Im waiting on the phone as well, is 20 minutes of someone, anyones time to much?
Company Response:
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2021-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Discover Bank/Discover Fin Svcs LLC RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act Dear Sir or Madam : I am a victim of identity theft. The thief made a fraudulent transaction/opened a fraudulent account in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent accounts identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. Enclosed with this request is the following documentation, as applicable : Proof of my identity : A copy of my drivers license, other government-issued identification card, or other proof of my identity ; and Proof of my claim of identity theft : A completed and signed FTC Identity Theft Report or alternative affidavit of fact. Please provide all records relating to the fraudulent accounts, including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address. If you have any questions concerning this request, please contact me at the above address or at XXXX
Company Response:
State: TX
Zip: 75006
Submitted Via: Web
Date Sent: 2021-10-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A