Date Received: 2021-09-16
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: This about Discover Card. After many months, I finally received the statements and now I see what happened on my transactions. I called them to make sure whether I understood correctly and how to pay. but they never call me back and just hang up the phone. **1. Discover wanted me to pay {$220.00} to settle and I think it is because it was XXXX and XXXX transactions. Is it correct? Then could you explain what was {$30.00} I paid for? because I am trying to calculate but did not work. **2. To settle the payment, where do I need to pay and how? I want the proof that I paid the amount also. **3. Once I paid the debt, how long would it take to update my credit score?
Company Response:
State: CA
Zip: 90005
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX got a copy of my credit report on XX/XX/2021. I didnt authorize for them to obtain it. Discover financial services got a copy of my credit report on XX/XX/2021. I didnt authorize for them to obtain it.
Company Response:
State: SC
Zip: 29410
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I was declined for a open end consumer credit plan and wasnt sent the adverse action. The law is very clear in this matter. 15 U.S. Code 1691 - Scope of prohibition ( a ) Activities constituting discrimination ( 3 ) because the applicant has in good faith exercised any right under this chapter. ( d ) Reason for adverse action ; procedure applicable; adverse action defined ( 1 ) Within thirty days ( or such longer reasonable time as specified in regulations of the Bureau for any class of credit transaction ) after receipt of a completed application for credit, a creditor shall notify the applicant of its action on the application. ( 2 ) Each applicant against whom adverse action is taken shall be entitled to a statement of reasons for such action from the creditor. A creditor satisfies this obligation by ( A ) providing statements of reasons in writing as a matter of course to applicants against whom adverse action is taken ; or ( B ) giving written notification of adverse action which discloses ( i ) the applicants right to a statement of reasons within thirty days after receipt by the creditor of a request made within sixty days after such notification, and ( ii ) the identity of the person or office from which such statement may be obtained. Such statement may be given orally if the written notification advises the applicant of his right to have the statement of reasons confirmed in writing on written request. 15 U.S. Code 1681m - Requirements on users of consumer reports ( a ) Duties of users taking adverse actions on basis of information contained in consumer reports ( B ) a statement that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide the consumer the specific reasons why the adverse action was taken ; 15 U.S. Code 1602 - Definitions and rules of construction ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: REGARDING FRAUD PROCESSING BY DISCOVER CREDIT SECURED CARD. Discover treats credit card customers who hold a small secured card in a very discrimination manner. They fail to process payments to force their benefit ability to charge card fees. I have since then asked to have my small {$200.00} account closed and they have Not even closed this as of yet since requested last month. I am still due my funds of {$200.00} total. Discover executive team XXXX has failed to action on my complaints to them about their XXXX processing of payments. I FILED FIRST WITH THE FDIC FDIC Logo XX/XX/XXXX Ref. No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX Re : Discover Bank Dear XXXX XXXX : Thank you for your correspondence, which was received by the FDIC 's Consumer Response Unit. The FDIC 's mission is to ensure the stability of and public confidence in the nation 's financial system. To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since XXXX. We are responsible for supervising state-chartered, FDIC-insured institutions that are not members of the Federal Reserve System. Based on our review of your correspondence, the bank you referenced is under the direct supervision of the Consumer Financial Protection Bureau. We are forwarding a copy of your correspondence to this agency at the address below : Consumer Financial Protection Bureau XXXX XXXX XXXX
Company Response:
State: CO
Zip: 80919
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX is affiliated with XXXX XXXX XXXX XXXX XXXX is a collection agency that was hired by Discover Card to collect a debt that we owed ( the fact that it is owed has never been disputed ). This company violated our rights in the following manor : XXXX XXXX XXXX XXXX XXXX is affiliated with XXXX XXXX XXXX, XXXX refused to send written communications to a mailing address that accepted mail. We reside in zip code XXXX which is not serviced by USPS physical address delivery. Discover card had our mailing and our physical addresses. XXXX XXXX XXXX XXXX XXXX is affiliated with XXXX XXXX XXXX, XXXX refused to send mail to our mailing address. This includes, but is NOT limited to such communications as : - Original Communications that would have allowed us to either resolve or dispute this debt - Notifications of their intent to file legal action - Once legal action WAS filed, we were never provided a copy of the Judgement- When a Wage Garnishment was issued, we were NEVER provided proper paperwork to dispute this action either. XXXX XXXX XXXX XXXX XXXX is affiliated with XXXX XXXX XXXX, XXXX were provided over 40 times request in writing to update our mailing address. In addition, they have willfully refused to do so until our first communication to this agency was made. In addition to their refusal to communicate with us, in writing, to our mailing address, XXXX XXXX XXXX XXXX XXXX is affiliated with XXXX XXXX XXXX, XXXX refused to provide an accounting of payments made to the debt. There were several payments made by wage garnishment that they would not account for and when asked for an account history, for 2 months they would not provide one. When I made the final payment, I provided them with an accounting. This should have been provided along the way, and when requested. As if, our rights have NOT been violated enough by this company in a short 7 months, even AFTER the debt is paid in full, our right continue to be violated. While we have NEVER received any of the afore mentioned documents, in addition to this violations, XXXX XXXX XXXX XXXX XXXX is affiliated with XXXX XXXX XXXX XXXX XXXX has refused to squash the wage garnishment, which has resulted in yet another overpayment, which I am certain will take months and litigation on my part, including hiring of my own legal counsel to have these overpayments returned. This company 's actions have been inexcusable, and they should not be allowed to practice law if they continue to believe that debtors do not have rights, which is clear in their actions. I am begging this agency to please investigate these people so others do not continue to fall victim to their tactics. We are fortunate. We could have paid this debt in full prior to a court case, and prior to a wage garnishment. However, this company believes in violating consumers rights. As long as they continued to send written communications to an address they KNEW was not valid, they could continue to collect interest, and additional fees. Had they have done things the right way, it would have cost them a few XXXX dollars in fees. Is all of this really worth it to them? I think not. Discover Card should also be ashamed of themselves. They pride themselves on being different, and treating people how they want to be treated. Yet, they employ a company who continues over and over to violate a consumers rights. I dont know about you, but thats not how I would want to be treated. Maybe Discover feels that is how they would want to be treated. At the end of the day, this is all very sad. Had the following rights NOT have been violated, we would never be here today : 1. Communication This company refused to send written communication in a manor that could be received by us. They refused to send communications to our MAILING ADDRESS. Our Physical Address does not accept USPS mail. 2. Because they refused to send mail to our mailing address we were not afforded these basic rights : a. The right to dispute the debt b. The right to a fair hearing c. The right to be informed of litigation d. The right to dispute a Wage Garnishment 3. Unfair Collection Processes This company has been paid in full and refused to squash the active wage garnishment 4. Overpayments this company continues to benefit from overpayments and refused to return said overpayments in a timely fashion 5. Refusal to provide an accounting of the debt and payments made I am begging this entity to investigate these companies, and file any available sanctions possible.
Company Response:
State: CO
Zip: 80501
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2021 I served Discover with a cease and desist pursuant 15 usc 1692c ( c ) which I will have attached to this complaint, along with an affidavit of truth stating how they been violating my federal rights under 15 usc1692c. As a consumer and a natural person i have the right to refuse to pay for the alleged debt. Discover received the certified mail on XX/XX/2021 at XXXX. They completely ignored what I send which is another violation by sending me a post card with the intentions of continue to collect the alleged debt. Prior to sending the certified mail with the affidavit of truth and cease and desist I was receiving multiple calls at inconvenience times and without my authorization, receiving emails, and letters with the attempt to collect a debt. I requested proof of validation through the CRA 's which they never provided to me. I attached a request for validation and invoice for {$39000.00} with a few of the exhibits and proof collected by me letting them know that I am invoking my remedy as a consumer and the original creditor pursuant 15 usc 1692c ( c ) ( 2 ). all of this will be attached with this complaint.
Company Response:
State: NY
Zip: 10562
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: XXXX co-signer release form invalid signature. New application started. XX/XX/2021 co-signer release application call us letter. I called and the costumer service operator advised no information was needed and the application was goi g to be processed. XXXX co-signer release application call is letter expiring letter. XX/XX/2021 co-signer release reapply letter. I called on XX/XX/2021 at approximately XXXX hours because the system stopped sending me emails when I have new messages on their website. The last message I received was in XX/XX/2021. The operator advised me that they took too long to process the application and it expired, and they have to start over. She said I had to send me a new reapply letter and I would have to start over and they were going to pull my credit report again.
Company Response:
State: MN
Zip: 55417
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
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 lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2013 with an amount of {$12000.00}
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Credit reporting shows a past due balance on a charged off account. How can there be a past due balance when the account has been written off? I have requested several times for this inaccurate information to be deleted yet it has not.
Company Response:
State: TX
Zip: 78245
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I applied for a loan in XX/XX/2010 to attend a class as a XXXX XXXX at XXXX XXXX. I received a loan in the amount of {$8500.00}, which was distributed in full. The loan was initially with XXXXXXXX XXXX and was then sold to Discover Student Loans. As of today I have paid {$10.00}, XXXX and according to my last statement {$1400.00} has applied to principal and {$8700.00} has been applied to interest. I have paid more than the original amount of the loan and I still have a balance of {$12000.00} on a {$8500.00} student loan for one semester at XXXX. Is there some law or rule regarding excesses payment? I agree I have a variable rate and I have deferred the loan for about 3 to 4 years. However by time I am finished paying off this loan it appears I would be paying at least 4 times the amount of the loan in interest. Is there anyway this can be rectified? is there any rule or law that can help someone like me in this situation?
Company Response:
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A