Date Received: 2021-09-20
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I am a victim of identity theft. I had this police report before where I left my left open in a public place then I lost my bag with my cards and Ids inside it Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2018 with an amount of {$4800.00}.
Company Response:
State: NY
Zip: 10977
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
Issue: Identity theft protection or other monitoring services
Subissue: Received unwanted marketing or advertising
Consumer Complaint: I get these calls daily from XXXX at Discover saying they've been trying to reach me. If I press one to talk tosomeone and ask not to be called again they hang up on me. This happens daily... sometimes a couple of times a day. They always use my area code and my cell phone prefix. I answer because it could be a doctor or other medical provider. Today the call came from XXXX at XXXXXXXX XXXX. My cell phone number is XXXX. I have called Discover Card and these calls are not coming from them.
Company Response:
State: IA
Zip: 506XX
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On the XXXX of XX/XX/2021 my Sister sent me the sum of {$15000.00} to my Discover bank account, she was debited but I wasnt credited, I tried to find out what happened by calling discover customer care line, but they said they were verifying .. fast forward to XX/XX/2021 I still havent received the money and the money wasnt refunded back to my sister Bank name : Discover Bank Account name : XXXX XXXX Account number : XXXX Routing number : XXXX
Company Response:
State: NV
Zip: 89141
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have typed letters to each Bureau indicating my name and address ; also unknown Inquiries on my credit report. This was information I provided was back in XX/XX/2021 2021
Company Response:
State: TX
Zip: 770XX
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: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I first applied for my Home Equity loan from Discover Bank on XX/XX/21. I went through the initial steps with XXXX XXXX and explained to her that I was looking to get a second mortgage on my home to consolidate some debt and some other things. At that time, I had explained to her that my first mortgage lien was held by a Private Party with a Owner-Carry Contract. My name is on the DOT and there is a Promissory Note that is filed and enforced by a local Payment Servicing Company. On XX/XX/21 a XXXX XXXX reached out to help get some of the documents together to work through the application. I also spoke to her about the Owner Carry Contract. On XX/XX/21 I was contacted by a XXXX XXXX who was looking for different items that were needed and informed me that I would also be working with XXXX XXXX. They did not like the statement provided by the Payment Servicing Company for my Owner Carry Contract and we were working on gathering additional information to make sure that it was all penciling out in underwriting. On XX/XX/21 I received an offer of credit from Discover Bank for XXXX. I accepted the offer and they explained they would move my file to the next step and order the additional 3rd party documentation. On XX/XX/21 I was contacted by XXXX XXXX who informed me that he would be my main processing point of contact. In his email he stated he was working on my Title Report which would have also shown a private party as my lien holder. XXXX reached out again on XX/XX/21 to let me know that the appraisal could take up to XX/XX/21 to complete and asked if I wanted to continue with my loan. I told him yes. The same day, the appraiser came to my house for his review. On XX/XX/21 I received an email from XXXX XXXX XXXX letting me know that my house was appraised and the loan was going through final underwriting. I asked how soon the loan could close, and he said assuming that the numbers are all still good, it could take 10-15 days until its completely done. On XX/XX/21 at XXXX I received an email stating that my loan had been denied due to " Insufficient First Lien Holder ''. When I called, I spoke to XXXX who told me that it was Discover Banks policy to not do a 2nd mortgage when the first lien was held by a private party. She explained that I should have never made it past the application process once they knew that I had a private party as a property lien. I have asked for a call from a supervisor and have still not received one. I am extremely upset as this process has gone on much longer than it should have. As soon as Discover knew that they were not able to do the loan due to an internal policy they should have stopped the process right away. The whole process was super deceptive and has caused me all sorts of stress. Had they told me right away I could have gone with an offer that I received from a different Financial Institution and could have been done with this whole process by now. I now have to start the process all over and my credit is going to take a major hit again as I am no longer in my window where new credit inquiries will not have an affect on my score. This loan not closing has also cost me {$10000.00} as I am missing an investment that I now have to back out of. I am very disappointed in this whole process and the lack of full disclosure and the overall deceptive nature of the whole process.
Company Response:
State: MT
Zip: 59901
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I, the consumer, natural person, and original creditor, entered into a consumer credit transaction with Discovery with my open-ended credit plan. Discovery alleged that I have an alleged unpaid obligation to them and then charged off and closed the credit account. There is no law underlie the Truth in Lending ( TILA ) or Fair Credit Reporting Act ( FCRA ) that states anything about late payments in connection to an open-ended credit plan. According to Federal law false and misleading information, such as billing amounts that are wrong constitutes Federal violation. I submitted a dispute with XXXX, XXXX, and XXXX to correct incorrect information on my consumer report regarding this charge off that also has a balance. An account can not have a balance if it is charged off. After completion of the dispute, the information is still inaccurate and a violation of the law and needs to be removed. Listed are some facts about what banks can do : - 12 USC 1431 Powers and duties of banks - banks can only borrow money, accept deposits and purchase securities. Nowhere does it state banks extend credit or loan money. - 15 USC 1692a ( 5 ) - The definition of the term debt is an alleged obligation to pay - 18 USC 8- The term obligation or other security of The United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United Statesnotes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of theUnited States, stamps and other representatives of value, of whatever denomination, issued under any Act ofCongress meaning the United States assumes all obligations. - 12 USC 1435 - Obligations are lawful investments and securities Furthermore, 15 USC 1602 states an account can not be closed without the original creditor 's written consent. As stated above, all obligations are the responsibility of the United States, yet Discovery is attempting to collect on an alleged debt while also harming my creditability and reputation on my consumer report which is a violation of 15 USC 1692d ( 1 ). They have continued to report this alleged debt as a charge off on my consumer report over the last year with no proof of validation. ( See Exhibit A and B ). Furthermore, listed below are additional violations by Discovery and credit reporting agencies : - 15 USC 1681b - I did not give Discovery or any credit reporting agency approval to report on me- 15 USC 1692 ( e ) - 15 USC 1692b ( 2 ) - Discover has sent numerous statements stating I owe a debt - 15 USC 1692b ( 3 ) - Discover can not communicate without my consent - 15 USC 1692e ( 9 ) - Discover stated they are the original creditor which is false as banks can not extend credit - 15 USC 1692e ( 2 ) ( A ) - false representation of debt allegedly owed - 15 USC 1692e ( 10 ) - false and deceptive means to collect a debt - 15 USC 1692d ( 1 ) - my reputation and creditworthiness has been attacked because of an alleged debt - 15 USC 1692f - unfair practices attempting to collect a debt - 15 USC 1681a ( e ) - every credit reporting agency had to do an investigative consumer report upon dispute which includes interviewing family and friends. None of this was done. I am requesting all debt collectors and credit reporting agencies to promptly remove all alleged, indirect, and unverified debt.
Company Response:
State: GA
Zip: 30310
Submitted Via: Web
Date Sent: 2021-09-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
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 have disputed an account on my credit report, Discover Financial with the credit bureaus. XXXX is reporting the account with a {$0.00} High balance, date of last activity XX/XX/2021, and no closing date. XXXX is showing {$1100.00} High balance, date of last activity XX/XX/2021, and no closing date. This is a true fact on inaccurate information and reaging of the account because there is not a true date the delinquency occurred. I have ask the credit bureaus to delete the account. Thank You.
Company Response:
State: AL
Zip: 36116
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-18
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 already reached out to the credit bureaus ( XXXX, XXXX, XXXX ) and notified them of their error posting of information on my report. The account balance is in fact wrong. A charge-off should show a XXXX balance. I was never late on these accounts. I have been monitoring my credit report for any changes, but I am yet to see the correction that I asked for and desperately need. I requested to generate a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information was received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-18
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/XXXX, I sent a debt validation letter along with an Affidavit of Truth with an opportunity to cure to Discover Financial Services. On XX/XX/2021 I received a notice from my credit report that my Discover account had been closed while still having over {$4000.00} of unused credit left on the card. I called and spoke to a Discover representative who informed me that the account was only closed in order to investigate the complaint filed to the CFPB. On XX/XX/2021, I received a letter stating that my Discover account was closed with no further explanation. After being hung up on 3 separate times, I spoke to a representative who informed me that my account was closed due to " malicious practices '' and that I had stated that I was not going to pay the alleged debt. However, I never stated that I would not pay the alleged debt. I sent a letter in asking for specific documents to be returned to me in order to validate the alleged debt. I was told that someone would contact me back in 72 hours with further explanation on the closure of my account. After 72 hours, I never received a call back. I followed up with another phone call on XX/XX/2021 and was held on hold for 40 minutes while being told that the supervisors were looking for the correct department to send me too. I was hung up on and never received a call back from any other Discover representatives. Discover closing my account has withheld me providing for my personal and household needs. I was never given a proper nor valid explanation as to why my account was closed.
Company Response:
State: CA
Zip: 91773
Submitted Via: Web
Date Sent: 2021-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: There are false credit card balances being reported to credit reporting agencies from XXXX XXXX and discover. They are inaccurate!
Company Response:
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A