Date Received: 2021-10-09
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: I STILL SEE REMARKS ON MY XXXX CREDIT REPORT ON XXXX XXXX. REMOVE ALL REMARKS.
Company Response:
State: WI
Zip: 53402
Submitted Via: Web
Date Sent: 2021-10-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: Today XX/XX/2021 around XXXX XXXX someone from Discover credit card called my place of employment, the phone call was transferred to my desk, I picked up the phone and identified myself, then the caller explained to me the reason for the call, after that, I told her that I was at my place of employment and that I was not in a private place to talk about my debt and that I was not allowed to take personal phone calls, ( XXXX XXXX XXXX XXXX XXXX XXXX but nothing that I said stopped her from trying to go over my debt and options that they have for me. I had no other option than to hang the phone call. Then, my co-workers began questioning me what the call was about. I enrolled with -XXXX XXXX XXXX- because my debt was getting out of control. They told me that is illegal for them to call my job and that I should report any debt collector that called my job. I just want them to stop calling my job. I Called Discover to inform them that I have enrolled with XXXX XXXX XXXX and that it will take time until we reach an agreement. All I need is help to stop Discover from calling my place of employment.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I was a discover card member for over 20 years until my home was visited by four unidentified women threatening to force their way in, making threats they have me and my family social security number snd planned to end us. After discovering the identity of one party it was discovered her relative works at Discover bank based on her social media page. An inquiry was made to discover if my account had been accessed recently snd if they could investigate if it has been accessed digitally by employee XXXX XXXX XXXX previously known as XXXX XXXX. They gave me the run around telling me privacy is their priority and they cant help but no charges were made to my account. On XX/XX/XXXX I sent an email to XXXX XXXX XXXX Never read a response So I cancelled my card in XX/XX/XXXX. Yesterday XX/XX/XXXX I accessed my online credit report and noticed an inquiry made in XX/XX/XXXX by Discover. If my card was closed in XXXX how could they do an inquiry? I called Discover to pose that vary question and was hung up on So I wrote to the emails listed above and await a response
Company Response:
State: NJ
Zip: 07753
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was a victim of fraud. This situation was reported to the different credit bureau agencies and collections agencies. Last year a complaint was made to the FTC and sent to agencies XXXX, XXXX XXXX XXXX. I'm receiving from a law firm and civil court making collection efforts. The situation has been explained to by letters, callas and annoying procedures are still continuing. XXXX 2016, Amount : {$1900.00} XXXX XXXX XXXXXXXX2016, Amount : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX report a balance {$2500.00} XXXX report a balance {$4300.00}
Company Response:
State: NY
Zip: 14206
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: CFPB I am filing this complaint about Discover Card, since they avoided and refused to address my previous complaint and the CFPB has closed that complaint anyway, preventing me from responding to it. The MI Attorney General forwarded my complaint to the CFPB, I did not prior contact the CFPB. But I did not contact the MI Attorney General regarding the Discover Card dispute, I contacted them regarding the interest fees that Discover Card had charged me. Discover Cards response was designed to mislead the CFPB so far from the actual complaint, as to leave them confused, while instead blaming me for Discover Cards repeated acts of bad faith, while violating my privacy with things that are not irrelevant to my complaint. Discover Card keeps adding insult to injury. Also, Discover Card pretty much ends their misleading response with the alleged dispute process in XX/XX/2020. But my actual complaint starts with the interest fees in XX/XX/2020, and Discover Cards after the dispute process, when the consumer has contacted the merchant but is still unhappy. Since you Discover Cards brought it up, the merchant will Not let me return the item. I will have that statement sworn out in an affidavit if you want me to. Why wont Discover Card ask the merchant why they wont let me return it, and why they lied to Discover Card? Why is Discover Card being complicit in the merchants frauds against me? DC has not proven that I can actually return anything. I have gone to the merchant, they will not let me return anything. I have written the merchant, they will not respond just like Discover Card. I have offered that merchant letter to Discover Card via chat, more than once, they refuse to accept it. Also, DC dictating that I go to the merchant is harassing frustrating and useless ; I dont tell them where to go. And going to the merchant will not ever get my Discover Card interest fees waived. Discover Card says that the merchant is allowed to challenge their decision, as am I, otherwise, that is biased unequal and unfair treatment. If Discover Card can change their dispute decisions, they can change their interest fees charge, and reverse those also. Discover Card, has Not responded to my communications. I have not received letters from them. If I had, I would have not kept mailing DC asking them why they refused to respond to any of my letters. Discover Card has had over a year to create letters, and back date them, and yet, ( and also despite DCs fall XX/XX/2020 chat specifically alleging that they would mail me copies of these fictitious letters ), I still have not received them. All evidence proves that they do not exist, and Im sick of being lied to about it. Likewise, in your response to CFPB, DC has not even provided dates that correspond with a single one of my mailings, let alone an alleged, non-existent letter. The only reason that I did not pay the amount in full was because I am not required to pay an amount in dispute, and I was in good faith waiting forDCs response. DC can see from my 2 decades history with them, that I always pay the balance in full, and but for this dispute, which I am not required to pay, there would not be any interest fees at all. Also, due to coivd, the libraries were closed, and therefore, I had no computer access, and could not log into your the DC web site. DCs discriminating against me for not having a computer, is unethical. There re is no law requiring me to have a computer. DCs punishing me for covid is abhorrent. I am in no way responsible for the pandemic. These unusual circumstances, should be enough, alone, for DC to waive the fees, which occurred solely to their lack of response to me. Why are they allowed to punishing me, when DC is the ones who refused to respond to me, repeatedly? That is total abuse of power and position to harm me. When I finally, after 18 months of asking, had a very few fees waived, the DC employee told me that they could only waive 3 months of fees ; but besides that being a lie, ( they can in fact waive them all ), DC just has to want to. They have to care enough not to treat me like a disposable piece of garbage. I have been a loyal customer for 20 years, never prior having had any interest fees, and this is how they treat me now, after ignoring me for well over a year and during a pandemic. Had Discover Card responded to my XX/XX/2020 interest fee waiver request, there would not have been any more fees- they only occurred due to my in good faith waiting to hear back from DC, but that never occurred. The fault if DCs. Discover Card can not ethically refuse to respond to me, for the sole purpose of charging me more interest fees. That is blackmail and extortion. If Discover Card had responded to my XX/XX/2020, or my XX/XX/2020 interest fee waiver request, or my XX/XX/2020 fee waiver request, etc. there would not have been any more fees, etc. And those requests all fell under DCs employees stated 3 months of fee waiver by anyone. But the DC unknown respondent is not anyone, they have the power to waive all of the interest fees. My only mistake, was trusting Discover Card to do the right thing by me. If DC had looked into my account, they would have seen my XX/XX/2020, XX/XX/2020, XX/XX/2020, etc. letters. Or maybe they did, and since DC can not explain why they refused to respond to me, they just also failed to address any of those letters for the CFPB, because DCs admitting that they never responded to me, makes it more difficult for them to justify their charging me with interest fees. I am asking Discover Card again, to waive the fees, all of them. Discover Cards repeated refusals to respond to me, are the sole reason that the interest charge even exist ; DC also damaged my credit score, month after month, for 18 months. Waiving all of the interest fees that are directly related to this single dispute, the entire {$23.00}, is the very least that DC can do.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
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: Transaction Date : XX/XX/2020. Three Transaction Ticket in the amount of $ {$1200.00}, {$900.00}, {$900.00}. I purchased these tickets on the date referenced above XXXX to XXXX for a one week vacation. However, due to coronavirus the country of our destination denied entry to all passengers except the citizens of the country and we were told this information at the gate during the boarding in XXXX. However, we spoke with the merchant we purchased the ticket from to provide us with a partial credit or voucher to use for future travel. After many attempts to get this resolved with the merchant, nothing helpful or better resolution was provided, neither a voucher or a credit. I turn my attention to the credit company ( DISCOVER ) to step in and try to resolve this case. I provided all the information and the details to conduct thorough research of this case. After a few days of investigation the company came stating " 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. When I looked at the documents that were provided by the credit company that were attached to the case, the information, the name and the details in the documents belonged to different passengers. I made a few attempts to explain the situation to the credit company that this case has been investigated incorrectly and none of the details are mine. The credit company stood on their word despite the fact everything they investigated was wrong. I made few attempts to escalate the case to the higher up to look into the case, I have a few times my call being disconnected while on the call with them. They gave me the wrong company information to resolve my case with despite telling them this is not who I dealt with. I have attached the documents they stated they resolved the case with on this complaint so it can be reviewed for investigation. Neither the merchant nor the DISCOVER, whom I thought would probably conduct a reasonable investigation to resolve this dispute did not do their job right. Therefore, this merchant charged me a total of {$3000.00} in my account and thus I will not be responsible for making this payment and I decided to close their account permanently with no intention of having to deal with them again in the future. I have attached all the necessary documents that are needed to be reviewed in this complaint. The reason for filing this complaint was simply because the merchant denied me a voucher and the credit company did not provide reasonable resolution to believe this dispute can be closed. I have attached ticket information from the very first day we purchased the tickets and the same day we were denied to board the plane to be reviewed.
Company Response:
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
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: I am requesting XXXX substantiate late payments and upon updated report there is inaccurate info, therefore proves that no investigation in accordance to law was done. You can not have two consecutive 60 day late.
Company Response:
State: OK
Zip: 741XX
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: this lady, firm i do not know, have no contract with, has sent me papers threatening to sue me. there is no documentation, as per law that they actually represent the lenders, that they say they do. this is criminal extortion, i do not know them, and all of a sudden i get these letters of extortion, from this rauch firm.
Company Response:
State: IA
Zip: 515XX
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, I received a notice from Discover Card that they were closing my account after only have it open for 2 years. The reason I was given was for inactivity on my card. I just paid the card off in XX/XX/XXXX, so it has only been 8 months since any activity on the card. I was retaining the credit for an emergency since they would not raise my limit due to me not using this card. I feel this is very unfair when I am being responsible with my credit usage and only using it when it's absolutely needed, especially now during this pandemic, people are constantly losing their jobs and lives because of this virus. I also work for the XXXX XXXX and have to deal with the threat of not being paid every year due to congress. I choose not to use my credit card recklessly but responsibly and I am penalized for it. This hurt me in several ways, it knocks my credit score down because they closed it, it also adds a hard inquiry on my card because they told me the only way I could get it back was to apply again. This is not fair to me when I did nothing wrong but save my credit card for something that was important. I lost my dad to Covid and had XXXX myself it's not a time for me just spend my credit card so they make money off of my interest. I would have preferred a warning if I didn't use the card or my limit reduce if they felt that but not close my credit card. This was very disrespectful for this company to do to someone.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
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 XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX Account Number : XXXX This is not mine. 6. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 10460
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A