Date Received: 2021-08-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received notice of a credit inquiry on my XXXX report, dated XX/XX/21, from Discovery Financial. I didn't apply for anything. I contacted Discovery, they say they have no record of this, but when I contacted XXXX they said there was definitely a " hard '' inquiry with my SSN, etc.
Company Response:
State: NY
Zip: 10026
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have these accounts that are not mine and i want them to be removed from my credit report. 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 3. Identity Theft XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Hi Sir, I am a retired citizen and live on social security and can barely pay my monthly bills. I worked par time XXXX XXXXXXXX but due to cover pandemic alert and my XXXX health I am unable to work at XXXX. Discover card debt collectors are harassing me daily 8 to 10 times daily. I want them to stop Harassing me. If you could help me. Thanks. My phone number is XXXX XXXX XXXX. Tell them to stop calling me immediately. Thanks XXXX XXXX
Company Response:
State: CA
Zip: 92264
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: Discover XXXX XXXX has called my partner now my father over a dozen times over my account. I have spoken to them about this issue but to call someone over a dozen times ; XX/XX/2021, about another persons account is harassment. I have told them that I only have one phone number and confirmed that I can only be reached at that phone number. For Discover XXXX XXXX to call someone who is not the account holder over a dozen times in one day is absurd.
Company Response:
State: TX
Zip: 77018
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: 2021-08-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: I have multiple accounts under my social security that I did not create. I believe my dad opened these accounts. I had no knowledge of these accounts being opened and used. I also have multiple lines of credit under my name that need to be disputed with each bank not just the discover one listed on this account.
Company Response:
State: TX
Zip: 76040
Submitted Via: Web
Date Sent: 2021-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Discover Financial XXXX XXXX XXXX XXXX, XXXX XXXX Discover Financial Services XXXX. XXXX XXXX XXXX XXXX, IL XXXX Customer Service - General Inquiries Discover Financial Services XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Discover, Thank you for receiving this message. I have always had a good standing account with your company and usually always made the full payment or half payment every month. Unfortunately, back when the pandemic hit, I had just opened a showroom for my business. I invested more than {$100000.00} and two months later, the building was closed because we were above a restaurant. Fast forward to almost 2 years later, I have since then pushed local private client sales, and we recently moved out of the spot as the building owner did not comply with the city permits and the location was deemed unsafe. We are now in a much better financial position, but it took me almost two years to get back on track and push sales by working 7 days a week. I was able to keep my business running and keep my employees because I sold my home and scaled down the expenses. I have always made my payments to Discover but back in XXXX and XXXX things got really rocky because I got sick and my XXXX couldnt produce product because of XXXX XXXX. I had several payments set up, and they returned because we couldnt collect the balances needed on the projects. It was not my intention to be late, but every cent was accounted for and applied to keep the staff food on their tables even when they were sick and couldnt come to work. I have reviewed the statement from back then and I do see that some payments did go through. I am not sure if anything was applied but the credit bureaus are reporting XXXX and XXXX of 2021 as late payments. Now, the SBA has granted us an EIDL loan. This will enable us to keep going now that the worst is over and launch an online store. I am one of the many XXXX who did everything in her power to keep XXXX and even hired friends to help that lost their jobs. Now, I am seeing the light and everything turn around. This was hard. Very hard. As you know XXXX XXXX XXXX do not get stimulus checks. Every XXXX I made I had to support the XXXX and if we didnt get the balances in time, it fell onto me to fund the business. We also had a problem where the bank lost about {$4000.00} of our funds in a transaction that is still being investigated. At this time I am excited to keep going and keep pushing. However, my credit score has been affected from your company reporting. The SBA qualifies the business for the loan, but I need to pull my personal score up. Under the Cares Act, many lenders helped people by forbearing their account. I never expected Discover to do that but I am asking you if you could please remove the late remark on my account. You can clearly see that I attempted to make the payments. And you can see that I am back on track now. If you do this, my personal score will move up from the minimum requirement for our XXXX loan, and I can also pay myself a larger salary which is turn will help me get larger payments back to Discover. If you could please look into my account and apply the Cares Act principals and delete those remarks, it would help me more ways than you can imagine after an incredibly difficult 2 years. Reported Months XX/XX/2021 XXXX 2021
Company Response:
State: FL
Zip: 33133
Submitted Via: Web
Date Sent: 2021-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... DISCOVERBANK XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Company Response:
State: TX
Zip: 75032
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
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: I've been trying to open a dispute for XXXX since XXXX of XXXX and discover has been refusing to, i even spoke to a supervisor who sent me to the billing department who failed to open it and even tried following up with them again and got nowhere this is all reflected in my chat history. their app also sucks and informed them that it just crashes in the messaging portion of it, online through the actual account does the same thing. additionally i will not work with anyone named XXXX at discover and he should not be involved once this complaint kicks over to them. Order date was around XXXX. Returned XXXX
Company Response:
State: MI
Zip: 493XX
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-21
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: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: NY
Zip: 11225
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: 2021-08-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX I requested my credit report and noticed I had a fraudulent account of Discover Credit Card in the amount of {$8200.00} opened on XX/XX/XXXX reported by XXXX and XXXX which is a result of Identity Theft. I also had two addresses from the XXXX, NY that were not mine. I have never lived outside of XXXX XXXX. These addresses are being reported at the same date XXXX. I filed a Police Report for Identity Theft in XX/XX/XXXX and also made an Identity Theft Report with the FTC. I have sent dispute letters to Discover stating this account was opened fraudulently and also wrote letters to XXXX and XXXX. XXXX has deleted this account from my credit report, but XXXX keeps reporting it. Discover sent me a validation letter and a statement with the purchases charged to this fraudulent account, but they are NOT MINE. This has caused me XXXX, XXXX and countless nights without being able to sleep. My last resource is with the CFPB to resolve this matter and make Discover and XXXX delete the account from my credit report. This has stopped me from being a First Time Home Buyer and being able to resolve this situation product of a clear Identity Theft.
Company Response:
State: PR
Zip: 00682
Submitted Via: Web
Date Sent: 2021-08-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A