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 XXXX Date of inquiry : XX/XX/2021 This is not mine. 2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 5. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX Account Number : XXXX This is not mine. 7. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX STOLE THOUSANDS OF DOLLARS FROM DISCOVER DOING CHARGE BACKS. you name it restaurant food, expensive trips to XXXX XXXX, XXXX, XXXX XXXX, designer purses, and this all dates back years she is a thief surveillance tapes will show her making purchases. DISCOVER choose to ignore this
Company Response:
State: IL
Zip: 60629
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: 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: Contacted Discover Credit Card on XX/XX/21 in regards to a dispute for the amount of {$540.00} for a XXXX speaker that arrived not as described, discover did not resolve issue until XX/XX/21, which is well last the two billing cycle or 90 MAXIMUM time frame.
Company Response:
State: CA
Zip: 91406
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: 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: Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Company Response:
State: CA
Zip: 95628
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: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: i was being repeatedly called by discover financial to pay my credit card and in addition to that my personal information was shared with out my consent by this company and i did not appreciate that. My credit score took a dive because of this and i did not know i could dispute and contest this.
Company Response:
State: TX
Zip: 78363
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: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I pay my son 's Discover card balance as well as my wife 's Discover card balance from my XXXX checking account. This month Discover misapplied {$3100.00} intended for my wife 's account/balance to my son 's account. On XX/XX/2021 I contacted Discover and advised them what they had done. They stated that there was nothing they could do to correct the problem ( they had caused ) as I did not have a Discover account. After my wife and myself were bounced from multiple customer service reps, Discover said they would try to credit my XXXX account with my {$3100.00} as I requested. The {$3100.00} that had been credited to my son 's Discover account in error has been reversed but I have not received my {$3100.00} to date.
Company Response:
State: NY
Zip: 12065
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: This is my 2nd complaint against Discover Financial Services. In their previous reply, they stated on XX/XX/2016 that my account was placed with XXXX XXXX XXXX XXXX. On XX/XX/XXXX, a lawsuit was filed with the XXXX XXXX District Court and on XX/XX/2016, service to you of the lawsuit was completed. In their response, there are several violations under USC Title 15. The first violation as a consumer, is Discover, sharing my private consumer credit transaction with XXXX XXXX XXXX. Federal law states that a consumer credit transaction is private. Discover violated my privacy by sharing my information with XXXX XXXX XXXX and by " filing '' my personal consumer transaction information with the local court. Also, the only court that has jurisdiction according to federal law is a federal court and not a local judicial court. Me signing and agreeing to pay was out of fear, not knowing my rights as a consumer and not knowing that Discover had no right to share my private consumer information with anyone without my written consent. Furthermore, Discover states that I was served on XX/XX/2016. That is not true, as the documents for service were provided to my father XXXX XXXX. After he was given the documents he called me at work to state, " you have papers delivered by the sheriff from Discover saying you owe them almost {$2000.00}, ''. Again, they violated my privacy by serving " illegal '' court documents to my father. Where was my right to privacy as a consumer. As a consumer I am protected by Federal Law. As a result of the violations, especially my privacy, I demand that the account be deleted to prevent Federal filing for compensation of {$1000.00} per violation by law. Discover Bank, needs to prove, in writing, with my wet signature, that I gave them permission to share my private consumer information with XXXX XXXX XXXX or the XXXX XXXX District Court. Also, provide proof from the service that I, personally signed for and was served the documents that were filed in court. Failure to provide either proves a violation of my privacy. So, to prevent legal actions in Federal Court, deletion of the account from all credit reporting agencies is demanded.
Company Response:
State: LA
Zip: 708XX
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Other features, terms, or problems
Subissue: Credit card company forcing arbitration
Consumer Complaint: On XX/XX/21 I dined at XXXX XXXX in XXXX, a local restaurant that I have been to o a number of occasions ( as documented on my Discover charge history ) and that boasts of being the best restaurant in XXXX. On XX/XX/21 just 2.5 hours after dining at XXXX, I started XXXX XXXX incessantly into the morning hours requiring hospital treatment -IV fluids, medication, etc. Later on my XXXX XXXX XXXX daughter began XXXX XXXX as well. I also provided documentation of a call made to her pediatrician for this as well as my hospital discharge summary coinciding with the time I was treated and for what and how I was treated and where. I contacted the merchant via telephone and XXXX messages after they responded to a review I left however never heard back. I initiated a Discover Dispute based on the services I received. When I telephone and speak to them including a manager by the name of XXXX, I was told repeatedly there is nothing Discover can do if the restaurant provided a receipt. XXXX stated this is a he said she said thing and because the restaurant is providing a RECEIPT there is nothing Discover can do. I attempted to explain in DETAIL that I have hospital RECORDS as well as my daughters pediatric records showing the date that we were both treated for XXXX XXXX because of the chicken at this restaurant. I uploaded my discharge summary verifying this, meeting my burden of proof for bad service yet Discover is unwilling to even consider or LOOK at my proof as is in within my right. I proved that I was provided with not only an unsatisfactory service that I should not be liable for but a DANGEROUS one that required hospitalization, missing 3 days of work, and acquiring these bills as well.
Company Response:
State: RI
Zip: 02889
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I applied in XXXX for a student credit card at DISCOVER and was accepted and mailed the credit card, later in XXXX i was asked to fill a form, print it and notarize and mail it to them to further verify my identity and i complied, after i mailed it there was no communication from DISCOVER whether it was received or not ( it was never received on their end ) they did not inform me at all that it was never received because if they had i would have been able to fix this issue swiftly by sending in the same notarized form again by mail within the 15 day time frame they gave me to do this, my credit card was then closed 2 weeks after ( and that whole time i had thought the notarized form they asked me to send them was received ) I call customer support and they told me that i did not even need to go through this whole process and could have easily just sent all the information and documentation they requested online which would have been much more reliable and faster. My card was closed unfairly and unlawfully because the form that they asked me to fill, notarize and send was never received on their end for whatever reason and i was not told about it at all until i found out they closed my card because of it. I could have easily provided them with all the information they wanted to verify my identity had I actually been told that they were not able to receive the form i sent them by mail.
Company Response:
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: This account is being reported with repetitive CO marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A