Date Received: 2021-09-22
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: I went onto the court docket to confirm a court appearance for a unrelated speeding ticket when I became aware that this Law Firm had filed a lawsuit. When I obtained a copy of the Return of Service, it said I had been personally served with the documents on a date and time that was not true. I was at work during this time and my home security videos dont show anyone attempting service. I contacted the Law Firm and Process Service Company to inform them that I had never been personally served and explained that the process server had lied on the Return of Service. A couple of weeks later, this Law Firm then filed an Amended Return of Service with the same incorrect date and time of service only changing the signing date so that it could meet the 14 days before hearing requirement. Again, I was never personally served. Under Colorado Simplified Procedure, service must be made 14 days before the hearing date and service must be done in person. I contacted the Law Firm and Process Service Company again explaining that I had not been served and that this was the second time they provided false information under perjury. Now I wonder how many default judgments has this Law Firm obtained by lying about service and people have no clue a lawsuit even exists. I have been professional with both companies and requested that this false information be corrected. To date, there has not been a resolution.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Discover bank fraudulently tried to collect a debt that was paid off. I was never notified of any action, they forged my signature in order to deliver paperwork to an old address that I don't live at. I sent back the paperwork and disputed their debt collection but the ignored my dispute and my cease and desist orders. Discover Bank is in violation of multiple us codes including, 15 USC 1692b ( 4 ), 15 USC 1692d ( 1 ), 15 USC 1692b ( 2 ), 15 USC 1692b ( 2 ), 15 USC 1692j ( a ), 15 USC 168h ( e ), 15 USC 1692b ( 5 ), 18 USC 1708, 18 USC 1703, 18 USC 1702. All of these fraudulent charges and violations were submitted to Discover Bank and the XXXX County Clerk of courts on XX/XX/2021, along with cease and desist orders, a fee schedule and an invoice for the charges.
Company Response:
State: OH
Zip: 44113
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX, CA XXXX SS # last XXXX XXXX XXXX XXXX, President US Card Discover Financial Services XXXX My hard-earned, rehabilitated ( over the past eight or so years ) credit-worthy credit profile reflected by my FICO score on XXXX was decreased yesterday by nine points due in part to Discovers rejection of my application for a new opportunity for a credit card from Discover Financial Services. Like most Americans in XXXX, I personally experienced some troubled times financial ( crisis in XXXX ) and it reflected badly on my credit profile and creditworthiness. However, I have worked hard to restore my credit profile as being excellent and as yesterday my FICO score on XXXX was XXXX. However, Discover Financial Services has retaliated and discriminated against me by failing to issue me a card a new account to start over like everyone else in America. You declined to issue a card even though my FICO score was XXXX. You also knew that the credit inquiry stays on my credit profile for 25 months. And further, you know that if no account is established and no card is issued by Discover Financial Services that the inference is that it was declined by Discover and it was. Further, it is a surreptitious, and underhanded way of signaling to other potential credit grantors that no card was issued to this person with a FICO score of XXXX. So, you ( credit grantors ) should not extend credit to this individual either. Moreover, you have solicited me for my business through numerous mail solicitations ( to the point that I had to write a letter to ask you to stop ) for me to open up an account with Discover when I knew I was not ready, even though my credit score and personal finances were ready to handle a new card with Discover. I wanted to wait and get stronger financially and I am now. However, to be candid the only reason that I apply for a card from Discover was my creditworthiness profile was matched up with Discovers creditworthiness criterion. I would like to amicably resolve this problem by Discover Financial Services removing the credit inquiry from my credit profiles on any and all credit reporting bureaus today. Thank you for your cooperation. Sincerely, XXXX XXXX Please see the attached support information. XX/XX/XXXX XXXX Executive Office of Customer Advocacy On XX/XX/XXXX, I received a letter from Discover Financial dated XX/XX/XXXX. Application Number XXXX XXXX When I received and read it, based on your email to me dated XX/XX/XXXX, I took it as an oversight on your part. My overall credit utilization ratio is below 30 %. I keep it below 30 % to maintain an excellent credit score. As of XX/XX/XXXX, XXXX XXXX XXXX XXXXnstallment loan ( auto loan ) reported over 11-year history of Paid Exceptional. ( XXXX ) The amount ( about {$18000.00} ) owed on revolving accounts is not too high based on my demonstrated ability to pay more than the required minimum payment each month on every account over an extended period of time ) and my income. On XX/XX/XXXX, Discover Financial made a hard inquiry as a normal course of business to determine whether to extend credit to me. However, Discover counted their inquiry own against me when evaluating whether to extend credit. That impacted my credit scores and thats 100 % wrong! Moreover, of the multiple ( 4 ) hard inquiries ( one being Discover Financial ) on my credit profile report in the past 12 months. Two of those inquiries are from the same mortgage lender for the new home that I purchased and closed escrow on XX/XX/XXXX, which are technically and essentially XXXX hard inquiry. And the following is the reason why. In XX/XX/XXXX, I entered into an agreement to purchase my new home from my sister and arranged to have the mortgage finance by XXXX XXXX XXXX, managed by XXXX XXXX. And everything was fine, and we were ready to close escrow when my younger sister unexpectedly passed away in XXXX, leaving the family devastated. As noted, the purchase was in escrow ready to go with deposited funds in escrow, and a loan commitment from XXXX XXXX. I was committed to going forward with the purchase. However, I had to wait for the expedited approval from the probate judge which was granted in XXXX. In the interim in XXXX XXXX Solutions placed another hard inquiry on my credit profile which is now affecting my FICO score. At this point, my new home must be completely rehabbed, and I am starting that process by using my creditworthiness to apply for a XXXX XXXX credit card from XXXX to fix up the property. I was approved however my FICO score was decreased by 9 points today. When I apply the same day for a card from Discover I was declined, and my credit score decreased 9 points. My credit profile through no fault of my own was adversely impacted by Discover Financial. In reality, there should be only three hard inquiries ( one being Discover Financial ) on my credit report in the last 12 months. Two to three inquiries on my report are not excessive in 12 months. One being Discover Financial and the other being my mortgage lender. A point of fact : For XXXX Americans, and particularly XXXX American women, it is one of the most important factors in establishing a level playing field in XXXX which have traditionally discriminated against XXXX Americans in all manner of things. You know and I know that XXXX Americans were/are still being systematically discriminated against when it comes to accessing credit. Were traditionally cut out of the normal channels of accessing credit for the purchase of the home for mortgages, and for business formation, for installment loans, and for an automobile loan, or for any type of loans for anything without paying higher interest rates compared to our white counterparts in another section of town. Sincerely, XXXX XXXX XXXX. Please see the attached XXXX Report Summary and Court Order
Company Response:
State: CA
Zip: 90035
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
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 see multiple 60-30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response:
State: MA
Zip: 02119
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My Money is STOLEN by Discover bank ( checking account ). I made a mobile check deposit Friday night XX/XX/2021 for {$3200.00} to my account. I read the terms and it clearly states the first {$250.00} is available on or after the first business day of deposit! I spoke to a financial representative Monday XX/XX/2021 in XXXX XXXX XXXX, UT and was told on a recorded phone call that my first {$250.00} is available now on the XXXX of XX/XX/2021. Now some idiots customer service XXXX XXXX whom can not speak XXXX from XXXX, AZ are refusing to give me access to my own money! They would not let me speak over the phone, instead they Nastily coughed through the telephone in my ear... such XXXX PEOPLE!!! I regret having accounts with discover for the last four ( 4 ) years. I may now have the call in my check Stolen and place a " stop payment '' on this check I now have to call the Police and file ( press charges ) report .... this will be forwarded to the Executive Office - CEO. I will be closing my accounts with Discover because they are the XXXX XXXX People ever! they do not have a : walk in Bank / location anywhere in this Country.. I believe they are a criminal organization.
Company Response:
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-21
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I was affected by the Covid-19 Pandemic 2020 and I called Discover to discuss covid-19 payment options. Discover offered me a program to split my payments into {$150.00} per month until the balance was paid being that I was affected by Covid-19. I did not know my credit limit would be frozen once I started the covid payment program. I paid the balance off to {$0.00} but my available credit line is still not available. I have had no late payments since I completed the covid payment program.
Company Response:
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hello, I ( XXXX XXXX ) was living and working full time in XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. We sold our primary home in XXXX in XXXX. Sometime around XXXX Discover issued a credit card to someone using my name and my XXXX yr old address. The person maxed out the card in no time and defaulted. Upon my return to states and trying to get a credit card and buy a vehicle we discovered my low XXXX XXXX due default under my name. I reached out to discover asking for proof on verification of my ID before issuing the credit card. They will NOT comply. I have reached out to all three credit agencies with facts and they are siding with discover. Discover has tried to sue me. I reached out to their lawyer with facts but they refuse to talk to me. As a result it is becoming a XXXX vs XXXX story. I am unable to live a normal life despite being a ideal law abiding, financially responsible citizen. Before I start a lawsuit against discover, I wanted to reach out to you to see if you could assist. Happy to provide all facts. Please remember I did not live in United States from XX/XX/XXXX until XX/XX/XXXX and hence had NO utility bill to prove the same. This looks like a case of greed from discover and now I am the one paying the price. Thank you in advance for all your assistance. I can be reached at ( XXXX ) XXXX or XXXX XXXX. XXXX XXXX.
Company Response:
State: FL
Zip: 33331
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-21
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: These accounts are not mine and one one of the accounts, these are not my charges. I just noticed these charges. The XXXX account was paid in full!
Company Response:
State: NJ
Zip: 07112
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: In the on going dispute of my consumer rights. Discover has purposely neglected abiding by federal law. New information : Discover sent a debt collection to my address that I did not give them permission to do. I have on a recorded phone call Discover stating that they do not and will not abide by federal laws. Audio recording will be handed over to their governing body and their state attorney general and all other applicable legal entities.
Company Response:
State: SC
Zip: 29418
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In XX/XX/2020, I signed up for a Discover Card because of their copious 0 % balance transfer deals and options. We had transferred, made payments, made purchases etc. without incident until XXXX of this year. On XX/XX/XXXX we did {$7100.00} worth of business in the form of balance transfers per Discover Cards posted offers. On XX/XX/XXXX a hold was placed on my account for " Personal Identification/Information needed ''. I received 1 ( one ) email that I disregarded as a Phishing Attack ( " Problem with your account ... '' ) because I logged into my account directly and found no messages, no alerts... just an Account in good standing with a XXXX balance. On approx. XX/XX/XXXX I received 1 ( one ) phone call/voicemail with approximately the same message. Again, log into my account to find no notifications, no alerts ... nothing indicating that my account was anything other than in good standing and, because of the advertised balance transfers and out use of them, Discover owed me a little over {$300.00} in overcharges. The week of XX/XX/XXXX I attempted to use the Discover card to buy a new desk but the card was declined. Discover had canceled my account after attempted to get ahold of me exactly twice : one email, one phone call, and nary a word on their official site and my official account page. Now I have a negative mark on my report that they closed an account with a {$9000.00} limit, my other balance transfers failed causing more fees and overages. Only when I called to find out why I couldn't buy the desk did I learn any of this. Oh, and they couldn't just re-open my account because more than 30 days had elapsed since the freeze on XX/XX/XXXX ( i can't find the exact date, but it was about a week beyond the 30 day ), per internal policies, never mind the fact that I was happy to give whatever they wanted because their out-reach policy and XXXX and looks like Phishing Attacks. I wish I had more to give you but... The email was trash, it looked fake ; the website told me nothing was amiss ... When the Account log in page gives no warning or visual cue, what am I to think?
Company Response:
State: WI
Zip: 54703
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A