Date Received: 2021-10-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Discover Card reported a 1099 C to the Internal Revenue Service for the whole charged off balance on the account. Discover DID NOT send me a copy of the 1099 C. Discover card should be reporting closed and a XXXX balance as a result of issuing the 1099 C. The 1099 C was issued XX/XX/2020.
Company Response:
State: MA
Zip: 01201
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-03
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: The company is reporting this account inaccurately and incorrectly, I have reached out to the company several times already but have not responded and resolved it. XXXX has removed this account due to inaccuracies and incorrect reporting however it is still being reported in XXXX & XXXX which is severely affecting my scores.
Company Response:
State: GA
Zip: 30094
Submitted Via: Web
Date Sent: 2021-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
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 XXXX : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 5. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 6. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine.
Company Response:
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Certified mail/return receipt has been sent as of XX/XX/2021 to XXXX. Included in the documents there is an FTC identity theft, reporting companies creating accounts using my personal/private information without direct consent, XXXX is well aware I am a consumer and I have a right to privacy pursuant 15 usc 1681 ( 4 ). XXXX has allowed my reputation to be violated because their lack of following procedures, I have provided an affidavit of state stating the violations, each company involved does not have permissible purpose to be on the report, pursuant to 15 usc 1681b ( 1 ) ( 2 ), so they are operating ting out of compliance, and are liable for 15 usc 1681n and 15 usc 1681o. I have provided my demands pursuant to 15 usc 1681b ( 2 ) to remove such accounts and block the information on the file, XXXX has 4 days of the notice to remove the information listed within FTC identity theft report and the affidavits. I have personally sent all these documents to XXXX, this is not a third party and I have sent XXXX all documents required by law.
Company Response:
State: MO
Zip: 63118
Submitted Via: Web
Date Sent: 2021-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Certified mail/return receipt has been sent as of XX/XX/2021 to XXXX. Included in the documents there is an FTC identity theft, reporting companies creating accounts using my personal/private information without direct consent, XXXX is well aware I am a consumer and I have a right to privacy pursuant 15 usc 1681 ( 4 ). XXXX has allowed my reputation to be violated because their lack of following procedures, I have provided an affidavit of state stating the violations, each company involved does not have permissible purpose to be on the report, pursuant to 15 usc 1681b ( 1 ) ( 2 ), so they are operating ting out of compliance, and are liable for 15 usc 1681n and 15 usc 1681o. I have provided my demands pursuant to 15 usc 1681b ( 2 ) to remove such accounts and block the information on the file, XXXX has 4 days of the notice to remove the information listed within FTC identity theft report and the affidavits. I have personally sent all these documents to XXXX, this is not a third party and I have sent XXXX all documents required by law.
Company Response:
State: MO
Zip: 63118
Submitted Via: Web
Date Sent: 2021-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: WE HAVE BEEN ON DO NOT CALL REGISTRY SINCE XX/XX/2003. WE CONTINUE TO RECEIVE SPAM CALLS FIVE OR SIX TIMES A DAY. PLEASE MAKE IT STOP.
Company Response:
State: NY
Zip: 13501
Submitted Via: Web
Date Sent: 2021-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-02
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I have been inundated with promotions and advertisements from Discover Card. Mailings two to three times per week over several months telling me I was preapproved for a Discover credit card. Simply apply online to the address give. Finally, I did on XX/XX/XXXX. I then received a message telling me to call a number for additional information. When I did, I was asked to give Discover access to my income tax returns. I refused and decided to withdraw my credit card application. On XX/XX/XXXX I received a letter from Discover saying my application had been denied. I have called the company three times regarding this situation as they had already done a hard check on my credit which now appears on my credit report. I have asked why the letter didn't say I withdrew the application but did not receive a satisfactory reply. Apparently this is just how they do things. I feel their advertising methods border on harassment and are misleading and dishonest. Since I originally spoke to a Discover rep on XXXX XXXX and asked them to stop the mailings, during the period of XX/XX/XXXX to XX/XX/XXXX I have received 4 additional mailings.
Company Response:
State: IN
Zip: 46360
Submitted Via: Web
Date Sent: 2021-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have called Discover several times to be removed as an authorized user and remove the account from my XXXX XXXX They have done nothing
Company Response:
State: CA
Zip: 92065
Submitted Via: Web
Date Sent: 2021-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I transferred funds from my Discover Online checking account at about XXXX ; XXXX today, during a bank day today Friday XX/XX/XXXX and scheduled the transaction for today as well by end of business. The funds were removed from my account balance in the Online Banking app, leaving the remaining available balance. The external bank registered with Discover for the transfer never received the funds and upon calling Discover and having to ask for a supervisor, the refused to cancel or reverse the transaction claiming its the WEEKEND and it will take 4 to 7 BUSINESS DAYS before the transfer occurrs! This after receiving confirmation email from Discover at XXXX! ( during a BANK BUSINESS DAY, TODAY XX/XX/XXXX! ). The supervisor refused to cancel or reverse the transaction and refused to provide a mailing address, phone number or any other means if contacting their legal department, claiming they have no information and the transaction is being processed. I demanded my transaction be canceled and the account closed yet they refused to accept the fact that I did the transaction in the parameters of a normal bank business day. I want my money back as they are going to cause me to have a late mortgage payment! I have a XXXX XXXX XXXX to keep a roof over his head and I'm XXXX. They took my government XXXX XXXX and are holding it without warrant.
Company Response:
State: OH
Zip: 44109
Submitted Via: Web
Date Sent: 2021-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them from XXXX. Please see below the list of accounts that are reporting derogatory on XXXX. 1. Identity Theft DISCOVER BANK Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX Account Number : XXXX This is not mine. 6. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine
Company Response:
State: NY
Zip: 10466
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A