Date Received: 2021-10-01
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: This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the companies and the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means they have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 07036
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Company Response:
State: CA
Zip: 95207
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Starting on XX/XX/XXXX, someone used my debit card/made a skimmer of my card and made several withdrawals at different XXXX around XXXX, NY and XXXX XXXX , NY area . On XX/XX/XXXX the the first fraudulent claim was made, unbeknownst to me. I called discover customer service workers on the XXXX, after my card was blocked when trying to pay for a co-payment at XXXX for medication. The worker at this time did not tell me the reason behind my card being blocked. I was not aware that my card was recently used somewhere in XXXX NY, while I was trying to make a purchase in XXXX, New York. I was told, my card was blocked because of the address at a nearby XXXX ( a food place near the XXXX ). This is a recorded conversation that can be verified. My card was unblocked, and I was given a courtesy adjustment from Discover amounting In {$35.00} dollars for this error. This is a direct admission of guilt/error on their part. Had I been told the actual reason my card was blocked, I couldve put an immediate stop after the first withdrawal, and the person wouldnt have went on and continued to withdraw from my account 3 additional times. On XX/XX/XXXX, I attempted to use my card, and again, I was blocked from using it. This is when I was informed that my card had once again popped up in XXXX, and was being used to withdraw money, while I was in XXXX. I immediately froze my card and reported this to the fraud team and was sent a new card. I sent discover multiple documents showing that I was never in XXXX, New York for the month of XXXX, or during the times my care was being used. I took screenshots of all the locations my XXXX was pinged to for the weeks leading up until the fraudulent withdraws was committed. On the dates the thief withdrew money In XXXX my location shows I never left XXXX, New York. I submitted documents showing on XX/XX/XXXX, I was in XXXX receiving XXXX XXXX XXXX, while my card was showing up in XXXX. I sent all of my locations for this day and they all placed me in New York. I cant be two places at once. XXXX location services uses outside GPS, WiFi, Bluetooth and hotspots to ping mobile locations, which I have no control over. So, if my phone shows I was never in XXXX than obviously I was never in XXXX, New York. If my phone location shows I was near my house at the time money was being withdrew from my account, obviously I was near my house.
Company Response:
State: NY
Zip: 10024
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: please remove them : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 3. Identity Theft XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 11364
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
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: Disputes were filed for XXXX on the following dates XX/XX/XXXX XXXX # XXXX, XX/XX/XXXX XXXX # XXXX and XX/XX/XXXX XXXX # XXXX. Automatic credit was given for XXXX and an investigation for the other charges with a provisional credit. XX/XX/XXXX I was issued a permanent credit for # XXXX later to be reversed on XX/XX/XXXX. On XX/XX/XXXX I received an email notification that dispute # XXXX was valid and the other dispute would be overturned due to new information. The information that I read from the report showed that my son had used my credit card to purchase virtual currency. I called x2 and spoke with different reps the first hung up on me. The second stated that if they continued with the dispute as an unauthorized charge they may have to press charges against my son for fraud. I read her the FCBA she said maybe I should try XXXX again, which was a lost cause in the first place. The rep who was very nice said I'm sorry there is nothing I can do. Even though I explained that no where on that gamer tag or XXXX profile did you find my name, they both insisted I was responsible. The only place you can find my name is in the billing information, and that is not filled out completely. The FTC has assisted with many complaints regarding unauthorized in app and game purchases please help. My credit card company is Discover Card Services, I have been a customer since XXXX. I have no missed payments, and I may have done one dispute in the three years before this. I have detached the information submitted to Discover by XXXX to prove that I made the charges.
Company Response:
State: OH
Zip: 44240
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I got a Discover Secured Card for {$1000.00} I had it for 6 months! I had applied for a non secured and got approved but they wanted me to grant them permission to go through my taxes and IRS personal information! I declined - do they closed my secured card which had NOTHING to do with my new application for non secured! They have my money, and have hurt my score I have been building up this whole pandemic! How dare them I did nothing wrong! The card was opened 6 months but when I tried to get a card no secured they hurt my secured??????? They are backwards! Only company asks for IRS permission. They need investigated!
Company Response:
State: MD
Zip: 21012
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
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: XX/XX/XXXX at XXXX I placed a grocery order with XXXX online. Their software malfunctioned. The order didn't go thru, no email, no order #- it was a 'ghost order '. But immediately, {$190.00} was pending on my Discover credit card. I spoke to XXXX XXXX in XXXX billing. She tried very hard to have Discover remove this charge. She placed a 3-way conference call to Discover. XXXX from the XXXX call center was took the call. XXXX identified herself as an agent from XXXX billing. She asked him to remove the {$190.00}. She told him it was not a legitimate charge and the billing dept would not claim this amount. He was extremely rude. He hung up on us. XXXX called back. The next rep hung up on her. XXXX called back again. Discover blocked her phone # because the call wouldn't go thru. XXXX told me XXXX billing has problems dealing with Discover ; the same problems I'm having. All other credit card companies ( banks ) remove the charge after 24 hours if the merchant doesn't claim it. Discover credit holds onto a charge for as long as they can, which is 10 business days. THIS NEEDS TO STOP.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
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 had a Discover Bank secured credit card that they closed in Late XXXX due to an identity theft issue that I was experiencing. I paid the balance to a XXXX balance in XXXX of XXXX and the account should have been closed with no late payments... They knowingly continued to report the account was open through XXXX and reported 5 late payments thus ruining my credit reputation and severely harming my credit score.
Company Response:
State: IN
Zip: 46815
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I XXXX XXXX XXXX XXXX did not consent to, authorize nor benefit from the following account. Block and remove it. The address is different from my physical address. As a consumer my rights are being violated, my reputation has been ruined. Which has impacted my credit in which has impediment me from providing for myself and my family. It has caused me emotional trauma that has hindered me and my family from progressing forward in our lives. They violated Federal Law with 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ) and 15 USC 1681a ( 4 ) 1692d ( 1 ) 1692b ( 2 ) 1692d ( 5 ) 1692c ( c ) 1692g
Company Response:
State: CA
Zip: 94014
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: I, XXXX XXXX, the consumer was not given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third parties like XXXX, XXXX, and XXXX. Discover Bank never gave me an explanation on how I can exercise my nondisclosure options. With the directions pursuant to 15 united states code 6802 ( e ) ( 2 ), I am demanding you to remove my account from my consumer report immediately before taking legal actions against your company.
Company Response:
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A