Date Received: 2021-09-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This is my THIRD complaint filed against this company. This debt has been paid in full for almost a month. However, this company continues to violate our rights, and specifically refuses to have the wage garnishment removed. As a result, I have overpaid by over {$1000.00} and my wages will be garnished a 3rd time in 2 days. Both myself, and my employer have attempted to reach out to this fraudulent company to have this wage garnishment removed. However, everyone has been unsuccessful in doing so. Please, I am begging you please stop this company from continuing to ruin other people 's lives. This has gone on for far too long and until this company is stopped they will continue to operate in dishonest fashions.
Company Response:
State: CO
Zip: 80501
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: AGAIN I RECEIVED A LETTER FROM DISCOVER STATING THAT I HAVE NOT FILLED OUT FORM 4506-C THE VERY FIRST TIME I WAS JUST ADVISED TO SIGN MY NAME. THEN RECEIVED A LETTER STATING I DIDN'T COMPLY WITH THE DEMANDS. FILLED OUT FORM 4506-C FOR THE SECOND TIME AND UPLOADED IT HERE AS WELL. IF I NEED TO FILL OUT YET ANOTHER 4506-C YOU HAVE TO SUBMIT IT AS I INFORMED YOU BEFORE. BECAUSE ONCE YOU FILL IT OUT AND SUBMIT YOU CAN NO LONGER ACCESS IT. SO FOR THE RECORD BOTH HAVE BEEN UPLOADED AS PROOF IN THE COMPLAINTS I HAVE HAD TO SUBMIT. AS I AM UPLOADING PROOF OF THE SECOND TIME I FILLED OUT AND SUBMITTED FORM 4506-C. AS WELL AS NOTARY PAGE OR WHATEVER ITS CALLED. AND AGAIN NO HONEST NOTARY IS WILLING TO NOTARIZE BANK STATEMENTS THAT ARE NOT PRINTED OUT IN FRONT OF THEM INSIDE THE FINANCIAL INSTITUTION THEY ARE FROM. BECAUSE THEY COULD BE HELD LIABLE, FINED AND MAYBE EVEN JAIL. FOR NOTARIZING DOCUMENTS THAT ARE NOT PRINTED OUT IN FRONT OF THEM INSIDE THE FINANCIAL INSTITUTION THEY ARE FROM. AGAIN IM ADVISING YOU ARE DEMANDING SOMETHING THAT IS IMPOSSIBLE AND COULD BE ILLEGAL BECAUSE XXXX THE BANK THAT I BANK WITH DOES NOT HAVE A BRANCH IN XXXXXXXX XXXX. AGAIN I HAVE ADVISED YOU OF THIS NUMEROUS TIMES. AND IF DISCOVER HAS A NOTARY THAT WILL NOTARIZE THE DOCUMENT 'S THAT YOU ARE DEMANDING, PLEASE HAVE THEM EMAIL ME SO WE CAN SET UP AN APPOINTMENT. IM ALSO UPLOADING STATEMENT. WHEN I GOT APPROVED FOR THE DISCOVER CREDIT CARD XXXX I WAS LIVING AT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. SO NOW I HAVE UPLOADED THREE MONTHS OF BANK STATEMENTS AS YOU HAVE DEMANDED. NOTARY PAGE. AGAIN UPLOADING FORM 4506-C FROM XX/XX/2021 THE SECOND TIME THAT I WAS DEMANDED TO FILL OUT. BUT YET THAT FORM IS NEVER MENTIONED ..... EVEN THOUGH I HAVE SUBMITTED PROOF. I HAVE UPLOADED XXXX PROOF OF OWNERSHIP. XXXX DEBIT CARD XXXX BANK ACCOUNT. XXXX APP. DISCOVER CREDIT CARD THAT WAS ISSUED TO ME WHEN I LIVED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID AGAIN. UTILITY BILLS BEARING MY NAME AND PRESENT ADDRESS THAT YOU HAVE ON FILE BECAUSE YOU HAVE USED THAT ADDRESS FOR CORRESPONDENCE. XXXX STATEMENTS BEARING ACCOUNT NUMBER.. PAYMENT TO DISCOVER. I HAVE COMPLIED WITH YOUR DEMANDS FROM DAY ONE, AS YOU SEEM TO MAKE STATEMENTS OF INACCURACIES STATING THAT I HAVE NOT. PLEASE GIVE ME YOUR FULL NAME ADDRESS AND YOUR POSITION WITH DISCOVER AND THE TIME THAT YOU HAVE BEEN WITH DISCOVER FOR MY PERSONAL RECORDS THANK YOU XXXX XXXX AGAIN IF I NEED TO FILL OUT FORM 4506-C FOR THE THIRD TIME YOU HAVE TO SUBMIT IT ... BECAUSE ONCE YOU FILL IT OUT AND SUBMIT IT, YOU CAN NO LONGER ACCESS IT. AS FAR AS I KNOW I HAVE SUBMITTED EVERYTHING THAT YOU HAVE DEMANDED AND SO MUCH MORE.
Company Response:
State: OH
Zip: 445XX
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: DISCOVER FIN SVCS LLC Date Opened : XX/XX/XXXX on XXXX. XX/XX/XXXX on XXXX Credit Limit : {$500.00} on XXXX. {$0.00} on XXXX Last Reported : XXXXon XXXX. XXXXon XXXX Date Last Active XXXX XX/XX/XXXX on XXXX. XX/XX/XXXX on XXXX Date of Last Payment : XX/XX/XXXX on XXXX on XXXX This account is being reported with two different dates of last activity, payments, reported, credit limit, and date opened. If this account is being reported by the same source, why is everything different? Need it deleted for being inaccurate reporting from my XXXX and XXXX. This is a violation of reporting false information BY DISCOVER on my credit report.
Company Response:
State: FL
Zip: 32311
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and it has been over 30 days and I havent received any investigation results
Company Response:
State: NY
Zip: 11553
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have being the victim of identity fraud
Company Response:
State: AZ
Zip: 85251
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been a Discover Credit Card customer since XXXX and I was not receiving any email notifications, calls regarding my past due and payment posted late on my account in XX/XX/XXXX. I was going through hospitalization from XXXX to XXXX due to my XXXX issue and there was an error in email thats why I havent received any communication to email and I was facing some identity theft issue and I moved to another house and my father XXXX near to bathroom and he was also in hospital at that time and unfortunately I lost him in XX/XX/XXXX, and there is a gold jewelry robbery in my home of around XXXX $ worth, due to these multiple things going on at that time I was in full XXXX and I was in impression that I already paid and as soon as I came from hospital I checked the account and paid immediately but they already reported this 30 day late payment in XX/XX/XXXX to all 3 credit bureaus. I contacted creditor multiple times and requested to remove this late payment but they did not helped me.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: This is not my account
Company Response:
State: TX
Zip: 76549
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On JulyXX/XX/2021, I pulled my credit report from XXXX and immediately discovered that my identity was compromised. I filed a police report, an identity theft report, dispute with the credit bureaus, and sent letters to all of the creditors. All of the creditors in question removed the fraudulent accounts except for Discover Bank. They are refusing to acknowledge that I am a victim of identity theft. All of the accounts were opened when I was a minor child, approximately XXXX years old. Discover Bank was sent numerous documents validating my age at the time they claimed the account was opened yet they refuse to acknowledge the documents and refuse to remove this account from my credit file.
Company Response:
State: WA
Zip: 98685
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), 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. 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 DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS 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. NOTWITHSTANDING 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 XXXX6g2f ( 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 BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Discover Bank violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8
Company Response:
State: IL
Zip: 61920
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Discover knowingly closed this account because they know it was fraudulent this is not my account and I contacted them numerous times about this
Company Response:
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A