Date Received: 2021-09-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have recently graduated from college, come to find out that I have fraudulent accounts in my name. I have dealt with identity theft for the last 7 years of my life, I have installed all the proper things needed but these banks still open credit in my name for these criminals. Under FCRA 615 ( f ). I am asking your financial institution to CEASE & DESIST all reporting of these fraudulent accounts. DISCOVER : {$3200.00} This account is the result of identity theft and I attest under perjury that they are the result of identity theft. This is a legal request to cease and desist.
Company Response:
State: CA
Zip: 902XX
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: 2021-08-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XXXX of 2020. Discover bank reported an inaccurate missed payment to XXXX, XXXX, and XXXX. This is inaccurate information. I have never missed a payment and there is proof in my credit report.
Company Response:
State: IL
Zip: 60623
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-31
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2021 discover closed my account stating it was a business decision to close my account because personal information was not able to be verified. However, on XX/XX/2021 I signed and returned the IRS consent form XXXX discover requested in order to verify my information. I provided all my personal information accurately and weeks later they still closed my account because they apparently were not able to verify my personal information. I called and attempted to have this resolved with the company and they would not help me. The only response they would provide me is it was a business decision to close my account and they could not help me any further. Ive had this credit card for over 3 years and Ive never missed a payment. I also use the credit card often. They closed my account and now my credit score has lowered. I was hoping that my credit score would not be affected since this account was in good standing prior to closing.
Company Response:
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/21 at approximately XXXX XXXX I purchased an XXXX XXXX flight on XXXX and paid with my Discover credit card. As part of the transaction, I purchased and was charged by XXXX {$130.00} for four ( 4 ) seat selections/upgrades. However, after the transaction went through and I received my flight confirmation emails, it became clear that the seat selections/upgrades had not actually been provided or reserved by XXXX. I confirmed with XXXX XXXX that there were no seat selections for my flight, so I contacted XXXX the same day as the purchase was made ( XX/XX/21 at approximately XXXX XXXX ). After some review and placing me on hold, XXXX 's customer service representative advised me that she had confirmed the seats had not been reserved so XXXX would be refunding me the {$130.00} and instructed that I would need to purchase my seat selections/upgrades directly from XXXX XXXX. Pursuant to XXXX 's instructions, I went ahead and purchased my seat selections/upgrades directly with XXXX XXXX on XX/XX/21 at XXXX XXXX. Specifically, I was able to purchase 3 out of the 4 seats I had originally tried to book with XXXX ( 1 of the seats was no longer available further evidencing that XXXX never booked the seats ). I waited a few weeks for the refund to hit my Discover account, but it never did. I attempted to contact XXXX again but apparently due to COVID they would not accept customer service calls unless you were within a week of your flight 's departure date (! ). Accordingly, I initiated a dispute of the {$130.00} charge with Discover. I provided Discover with copies of the emails I had received from XXXX, proof that I had purchased the same seats again directly through XXXX XXXX, as well as a detailed recitation of what had transpired. Despite the foregoing, on XX/XX/21 Discover advised that XXXX was asserting that the charge was correct and that Discover had also somehow determined that the charge/transaction was " valid ''. In other words, Discover - despite being in possession of evidence demonstrating that XXXX had charged me for goods/services that they never actually provided to me ( i.e. committed fraud ) - allowed the fraudulent charge to remain on my account. As a result, it became clear to me that Discover ( i ) was not looking out for my best interests, ( ii ) lacks integrity, and ( iii ) its dispute resolution procedures are entirely arbitrary and capricious - so I have since closed my Discover account ( I believe I was their customer for approximately 10 years ). Not much I can do against either party ( XXXX and Discover ) except submit the instant complaint and potentially file suit. I have had a few similar charge disputes with other credit card companies and NEVER had a issue like this before.
Company Response:
State: FL
Zip: 33130
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/2021 I made discover card payment from my bank account that was ok. On XX/XX/2021 discover took from me {$1600.00} from my bank account without my authorization. I only get {$790.00} a month from ssi. Their bank knows I only get a small amount and I make small payments.
Company Response:
State: MI
Zip: 48089
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: To Whom It May Concern : I am contacting your agency to dispute damage against my credit by Discover. Historically, I have been a Discover customer since XXXX and have consistently paid on time over the years with no issues. Due to an incorrect email address and no attempts by Discover to reach me through a physical address, my credit has been damaged by very small amount - {$3.00} ( {$6.00} total including fees ). Please see attached statements related to the matter. The card was primarily my back up card and on XXXX I had to use it because my normal bank card was left in another purse. Purchases were made on XXXX at XXXX XXXX XXXX and XXXX for a total of {$48.00}. A payment of {$45.00} was made on XXXX without the statement because I knew I had used the card in the past month, but I couldnt remember the exact amount. I went ahead and scheduled the payment through my online bank ( XXXX XXXX ) of what I thought would cover the whole amount - {$45.00}. I was wrong in that assumption and was unaware of the email attempts Discover made to me due to an old email address and the paperless option I selected years prior ( I did update my physical address ). The statements were never sent to my physical address ; only through this old email account which I had been locked out of due to forgetting the password ( XXXX vs my updated XXXX ). No first, second, or final attempt was ever sent to my physical address before having my credit score negatively impacted. Had I been contacted, I would have absolutely paid off this small amount. The Ohio Attorney Generals site ( https : //www.ohioattorneygeneral.gov/FAQ/Debt-collection-FAQs # XXXX ) has this fact : 'A debt collector must send you an initial letter within five days of contacting you to tell you the amount of the debt you owe, the name of the creditor to whom you owe the debt, your rights to dispute the debt and how to request verification of the debt. ' I was contacted by mail XXXX that my account was closed due to inactivity and serious delinquency for {$6.00}. Confused, I immediately called Discover to inquire about what I read and learned the dollar amount I paid on XXXX was insufficient. I proceeded to pay off the remaining balance of in full through XXXX XXXX online banking. I asked the Discover representative if there was anything I could do to re-establish the account and apologized. I was informed there was not an option. A year and half later I am preparing to buy a home and I remembered this incident. I am regretful I did not catch this mishap earlier, but I also feel Discover failed to adequately contact me in the matter as prescribed by the Ohio Attorney General. I learned of the wrong email address through follow up calls recently. Again, there was nothing Discover could offer me to make things right. Damage to my credit for such a small amount can have rippling effects for 7 years. My other credit history demonstrates how seriously I take my great credit standing. I am hopeful your agency can act on my behalf to set things straight as the long-terms effects do not match the error made. Thank you for your time.
Company Response:
State: OH
Zip: 45211
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, 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 ) 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 16g2f ( 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 also. Discover Financial Services violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
Company Response:
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I believe this is a XXXX error becuase I dont believe that all credit cards companies on my XXXX report decided to report old XX/XX/XXXX information on the same day at the same time ( XX/XX/XXXX ). This only happened with XXXX. XXXX and XXXX has not changed the updated informtion to old outdated information from XX/XX/XXXX. Although XXXX said this was done by all 3 credit card companies. I believe this is XXXX error because Discover reported an updated balance of XXXX balance XX/XX/XXXX then it was change back to a XXXX balance of XXXX dollars on XX/XX/XXXX. The same thing happen with XXXX XXXX and XXXX XXXX on the same day. Apologize for XXXX error but credit card companies can you please retify this with XXXX this outdated info from XX/XX/XXXX that XXXX placed back on my report after your company reported the update XXXX balance XX/XX/XXXX. Discover reported a XXXX balance XX/XX/XXXX then today XXXX is the only credit bureau reporting old balances today from XX/XX/XXXX on all XXXX of my credit cards that showed XXXX balanes in XX/XX/XXXX its reporting an old balance from XX/XX/XXXX. XXXX for all credit cards reported to XXXX XX/XX/XXXX. Why is XXXX reporting old information from XX/XX/XXXX balances on all credit cards. Information from 5-6 weeks ago and the old inaccurate information replaced the accurate updated XXXX balance information todayXX/XX/XXXX. This in against Fair Credit Act. I dont believe that all credit card companies decided to report old XX/XX/XXXX information on the same day. As a result, my score has went down form XXXX to XXXX today XX/XX/XXXX because all credit card has been chanege back to old outdated info of this error causing non approval on a house
Company Response:
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2021-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-29
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I lost my job with XXXX and called them they dont care they are ruining hurting my credit score by reporting me delinquent for so many days but wont accept a settlement or offer me one to satisfy this debt with them I cant afford to pay them the full balance when Im not working all they offer is payment plan but I want a settlement to get rid of them {$500.00} but they wont settle with me so how am I supposed to work with them and how much longer for them to offer me a settlement in this amount they have to take a loss
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2021-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Discover Financial Services has continuously violated my consumer rights laws but practicing unfair debt collection practices. They have sent statements that include predatory lending language by giving me deadlines in which I must make payments. Discover has violated multiple federal laws over my time as a creditor with this company. On XX/XX/21 I received a statement that violated my consumer rights laws On XX/XX/21 I received a statement that violated my consumer rights laws On XX/XX/21 I received a statement that violated my consumer rights laws On XX/XX/21 I received a statement that violated my consumer rights laws In response, I sent over a debt validation letter requesting for Discover to validate the debts stated, an affidavit of truth which reported the violation of my federal laws, 4 exhibits of violations, and an invoice for the number of violations found in each statement.
Company Response:
State: CA
Zip: 91773
Submitted Via: Web
Date Sent: 2021-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A