Date Received: 2021-09-03
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: I received in the mail a student loan application from Discover on XX/XX/2021 in the amount of {$74000.00}. I did not apply for a student loan. The application had my current address, date of birth and social security number. It also had my incorrect phone number and incorrect email address. I contacted the Discover fraud department and the application was withdrawn and Discover will investigate.
Company Response:
State: CO
Zip: 80130
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX DISCOVER FIN SVCS XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: 1. On or around XXXX XXXX, XXXX I sent a XXXX XXXX to XXXX in connection with the earthquake relief. I sent XXXX XXXX dollars using my Discover card. 2. I was unaware it was considered a cash advance or that there would be a XXXX dollar fee. 3. The recipient did not pick up the funds after two weeks ; and XXXX refunded the funds to me on or around XXXX XXXX, XXXX 4. On XXXX XXXX, XXXX I called Discover Card for a refund of the XXXX dollars. They refused to provide the refund at first saying that they do not provide cash advance fee refunds for refunded associated transactions. I think that's basically and fundamentally unjust and incorrect and improper policy. 5. They made a one time exception because they agreed I did not even know there would be a fee. Otherwise they would not have refunded the cash advance fee despite the refund of the associated charge.
Company Response:
State: GA
Zip: 30314
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone I do not know hacked my computer and made fraudulent charges on my account amounting to {$12000.00} and was made on XX/XX/2013
Company Response:
State: NY
Zip: XXXXX
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: 2021-09-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2019 with a balance of {$8700.00} which I did not make. I have this police report before where I lost my phone where I stored my personal information.
Company Response:
State: NY
Zip: 10950
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: 2021-09-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for credit from discover in XXXX. I initiated the credit sale, they ran my credit and we then entered a consumer credit transaction but they sent me a message saying I was denied which violates Truth in Lending 15 USC 1605 ( p ). Since they denied me my credit, it is now an unauthorized use of my credit card ( social security card ) and that is a felony. I emailed them a notarized affidavit, along with my proof.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The creditor was not able to provide any form of documentation to verify this specific account with me. I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. These creditors have had 330 days ) and ( 4 dispute letters sent ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Company Response:
State: NC
Zip: 285XX
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I am a victim of identity theft. Someone I do not know hacked my computer and made fraudulent charges on my account and I now have been receiving credit bill statements. The fraud was made on XX/XX/2015.
Company Response:
State: NY
Zip: 11211
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I am a victim of identity theft. The Fraudulent Activity happened on XX/XX/2017 with a balance of {$1500.00}.
Company Response:
State: NY
Zip: 11211
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: 2021-09-01
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 involve in the process. I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Company Response:
State: FL
Zip: 33177
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A