Date Received: 2021-10-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! CREDIT ACCEPTANCE CORPORATION VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Company Response:
State: NC
Zip: 28144
Submitted Via: Web
Date Sent: 2021-10-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2018, a fraudulent money transfer in my name, using my Discover Bank debit card through XXXX ( affiliated with XXXX ) was conducted in the amount of {$860.00}. I immediately called both XXXX and Discover Bank to file the fraud and, in the case of Discover, freeze my debit card and account. XXXX could do nothing and directed me to talk to the fraud department at my bank ( Discover ). I did so, and Discover closed the original account and open a new one, initially returning the stolen funds while they investigated. Proof of the original fraudulent transaction is in XXXX. The next correspondence happened on XX/XX/2018, where Discover Bank reversed the temporary credit and took the money back. I called them to dispute this, but they said there was nothing they could do about it and claimed their investigation had not confirmed my fraud report. ( proof of funds removed is in XXXX ). I recently heard about the cfpb complaint process and I am taking action now to have this claim addressed.
Company Response:
State: CA
Zip: 95148
Submitted Via: Web
Date Sent: 2021-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
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 am having trouble with a fraudulent unauthorized charge dispute I am having with Discover Card. I never made said purchase and promptly reported the transaction upon noticing the unauthorized charge on my Discover XXXX XXXX. As of XX/XX/21 I received a Fraud Affidavit form that Discover Card requires I submit. I am compliant and completed the form and mailed the completed form on XX/XX/21. We are fast approaching the 90 day mark and I believe that Discover is dragging out this process as I never made the disputed unauthorized transaction purchase. I am seeking assistance in getting this issue resolved as I never made this fraudulent unauthorized transaction.
Company Response:
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I contacted Discover to get my account current and up to date on XX/XX/XXXX. Was advised by first agent that he needed to transfer me over to another agent to have a new card sent. This is after I had placed a XXXX payment. Then the next agent advised would have to contact next day after payment post to get new card. So of course I reach out on the next day XX/XX/XXXX and speak to another agent who advises that my account is closed and a new card can not be sent. This clearly could have been shared by the first two agents on XX/XX/XXXX. But instead they chose to take my money and not advise me of account closure and led me to believe this would make my account current and I would be able to get a new card sent.
Company Response:
State: GA
Zip: 301XX
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
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 used my Discover credit card to purchase various in game items for an XXXX game. However, the game developer restricted my access to the account I used to play with and is not responding to any communication when trying to resolve the issue. I no longer have access to anything I paid for in the game. I tried to give Discover a call to dispute the transactions but there are so many charges they asked me to fax them a list. I am not sure how to fax so I am hoping I could deliver the list via CFPB and have Discover take care of the dispute.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I must submit this complaint to the Consumer Financial Protection Bureau ( CFPB ) to get answers as the Discover for the past 284 days has repeatedly failed to respond. I am in the process of a preliminary investigation of discovery seeking legal clarification for Discover Corporation actions. The Federal Deposit Insurance Corporation ( FDIC ) is the supervising entity of Discover. I have recently filed a complaint with the Federal Trade Commission against the FDIC for their alleged malfeasance in the supervision of Discover and others. Discover and the FDIC may want to take note of the following quote by XXXX XXXX He who does not bello the truth when he knows of the truth makes himself the accomplice of liars and forgers. WHEREAS it is alleged : 1. ) Discover Card Services has never acknowledged the XXXX County Sheriffs Office ( XXXX ) criminal investigation or XXXX County District Attorney criminal investigation when investigations were repeatedly brought to their attention. 2. ) Discover has repeatedly chosen to ignore my request that Fraud Investigators to acknowledge the criminal investigation in any correspondence by referencing the XXXX Criminal Case Number. 3. ) Discover Corporation in any of their correspondence has never referenced my Federal Trade Commission Identity Theft Report case number. 4. ) Discover has never in any of their correspondence provide any reasons for not acknowledging the XXXX or FTC case numbers. 5. ) Discover with alleged malice and intent assisted the alleged perpetrator to avoid arrest, prosecution, by concealing information from investigative authorities and myself. Discover Credit Card Services when I had reported Identity Theft/Fraud involving complaints and inquiries for the credit card account ending in XXXX and previously known as account ending in XXXX. Discover has never acknowledge for the past 284 days or offered any explanation for their refusal to acknowledge the XXXX County Sheriffs Office ( XXXX ) or the XXXX County District Attorney ( XXXX ) criminal investigation. In each of my correspondences addressed to Discover Financial Card Services and its Executive Office of Customer Advocacy, I had requested each acknowledge the XXXX County Sheriffs Office Criminal Case Number XXXX. My correspondences were either sent by U.S. Postal Service certified registered receipt and/or facsimile. Discover by its actions and failures has disrespected me and law enforcement. Discover is accused by their refusal to simply acknowledge the efforts of law enforcement has actively hinder and hamper a criminal investigation preventing the arrested of the accused perpetrator. Furthermore, Discover alleged actions are socially reprehensible for refusing to provide the simple business curtsey of acknowledgement of an active criminal investigation. Discover and its employees through this complaint process are reminded that each person may be held criminally accountable for accessory after the fact under California Law, California Penal Code PC32 Accessory. Every person who, after a felony has been committed, harbors, conceals or aids a principal in such felony, with the intent that said principal may avoid or escape from arrest, trial, conviction or punishment, having knowledge that said principal has committed such felony or has been charged with such felony or convicted thereof, is an accessory to such felony.
Company Response:
State: CA
Zip: 93561
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: discover and XXXX XXXX ; i was a victim of identity theft
Company Response:
State: FL
Zip: 33884
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
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 purchased an item from XXXX in XXXX and returned it in XXXX. XXXX sent me an email dated XX/XX/XXXX stating they processed a refund for the item in the amount of {$34.00} to my original form of payment which was Discover card ending in XXXX. I waited a month to allow sufficient time for Discover to post the credit to my current account. When this did not happen, I called Discover on XX/XX/XXXX. Discover said their records only go back to XXXX, so since the card is from XXXX they do not have the record and therefore can not issue the credit. I subsequently called XXXX on XX/XX/XXXX and asked if they could process the refund to my current Discover card, but they said they could only credit to the card used, XXXX. I feel the responsibility for issuing the credit to me lies with Discover. Since Discover closed my XXXX account, it is their responsibility to transfer any credit from the XXXX account to my current account. The merchant, XXXX abided by their return policy and issued the refund back to my original form of payment. The transaction successfully went through to Discover and they have my money, but is unwilling to transfer it to my current account. Discover has a history of not transferring credits from my closed accounts to my current account unless I call to initiate the process. This has occurred several times in the past. I feel Discover is using deceptive practices to avoid crediting consumer accounts. I then filed a complaint with CFPB on XX/XX/XXXX against Discover. Discover responded to the complaint on XX/XX/XXXX stating they will not return my money because they don't have a record of my Discover card ending in XXXX. Discover stated in their response that they maintain records for up to 7 years, but the card in question is 6 years old. So why they don't have a record of the card does not make sense. Whether Discover still have the record of my XXXX card is irrelevant. I used the XXXX Discover card to pay for the item. XXXX has a record of this Discover card transaction. I paid Discover cash for the credit used. Since XXXX sent the credit to Discover and Discover no longer have the XXXX account record, they should have issued me a check. I made an error on the XX/XX/XXXX complaint that XXXX issued me a gift card. XXXX did not issue me a gift card for this item. XXXX confirmed that they issued a credit to the Discover card that I used to pay with. Discover did not do their due diligence in investigating my complaint. Discover is using this error to avoid returning my money. I have already paid cash to Discover for this item in XXXX. For Discover not to credit my account or send me a check for the amount is theft.
Company Response:
State: CA
Zip: 92708
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I contacted Discover Finicial Services in order to figure out why I have a outstanding balance and why I had a open account that was reporting under a different name but same social, It was identify theft. I left them know that I never opened a account with them and they proceeded to tell me that the account was sold off and they couldn't do anything to contact XXXX dispute it and get removed even though the account is not in my name.
Company Response:
State: MA
Zip: 02740
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: DISCOVER BANK Contact XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$700.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A