Date Received: 2021-08-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: They wont remove hard inquiries
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: They closed my account saying they couldnt verify personal information. I dont know what it was but I think it was something to do with the 4506-c form. I signed it but I dont know what information couldnt be verified i would gladly verify as I want my discover credit account reopened.
Company Response:
State: CA
Zip: 91605
Submitted Via: Web
Date Sent: 2021-08-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have attempted several times to get this matter resolved with Discover but they continue to ignore my request. Discover continues to report damaging negative information about a debt that I do not owe to XXXX, XXXX and XXXX. I did not give Discover my written consent to report information about me to any consumer reporting agency. I informed Discover of the violations that they are committing against me and demanded that they compensate me {$6000.00} for each violation. I sent them an opportunity to cure which they have 14 days from the date the received my certified letter with return receipt. My next step will be to file a complaint in court.
Company Response:
State: NJ
Zip: 07040
Submitted Via: Web
Date Sent: 2021-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-14
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: On XX/XX/2021, I was hired by a company that sent me two checks, one for {$2200.00} the second for {$1900.00} to purchase a computer, software, and printer from a specified vendor to be used for the remote customer service position. This seemed strange. I felt unsure about this being ok. So before I did anything I called my bank and talked to a customer service agent and explained what was being asked of me and was that a normal thing, if it was ok. The agent told me that it was unusual, but something that is done. I can go ahead and make the deposit and payments if it does turn out to be fraudulent I would not be held liable for the funds. So, after reaching out to my bank for guidance if I should proceed or not, because and only because the bank representative said it would be ok to proceed and not be liable, I made the deposits and payments totaling {$2200.00}. The company and the checks were fraudulent and the money I had in my account was taken to cover the transactions I made ( with assurance I was not liable ). I was a victim of a scam. And though I authorized the transactions, I NEVER would have even deposited that first check if I had not been guided by the bank 's employee. I am now {$180.00} overdrawn. I realize that I authorized the transactions, However, I believe the bank should be liable due to the actions of the customer service agent telling me I could without incident. I have exhausted all levels of escalation at the bank but am not ok with the bank instructing me to do something and then after I do, being held responsible for the result. I have documentation and notes for the conversations and the responses I received. Additionally, I have the name of the representative from the disputes and investigations unit who read the transcript from the phone call I made to the bank seeking help and said the bank is at fault and should be doing the right thing and cover the lost funds.
Company Response:
State: CA
Zip: 937XX
Submitted Via: Web
Date Sent: 2021-08-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I'm being charged by XXXX and an electric company when I have not even had any services and I do not have a stable home so this does not make sense to me you can reach me via email for now at XXXX thank you
Company Response:
State: HI
Zip: 96819
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I checked my credit through XXXX XXXX and noticed a drop of over 50 points. I was looking to see what caused this and noticed that Discover Financial did a hard inquiry yesterdayXX/XX/XXXX without my consent. I have a credit card, a personal loan, and a student loan with them, but I pay them automatically so I have no late payments and the credit card is actually at {$0.00} balance. I am not sure if this was a mistake on their part, but I also don't know which part of the 3 Discover could have done it ( I have to log in to 3 different websites so I think they are all somewhat independent ). Can you please help me?
Company Response:
State: MA
Zip: 02136
Submitted Via: Web
Date Sent: 2021-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I got my prepaidDiscover card on XXXX and activated it on XXXX. I put up {$200.00} and never used the card. I got an email from them on XXXX that my count had been closed because they were unable to verify some info but there was no mention about how I would get my {$200.00} back, and that's all I want from them.
Company Response:
State: SC
Zip: 29841
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph XXXX XXXX XXXX, before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. DISCOVER FIN SVCS LLC bal. {$1300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section XXXX681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX XXXX XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX XXXX XXXX XXXX items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
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 : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 7. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 8. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 10. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 11. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 12. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 13. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 14. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 15. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.
Company Response:
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I am the victim of a sophisticated fraud perpetrated by my ex wife XXXX XXXX against me over the life of our marriage. I have consulted with local authorities and with legal counsel, and I have been advised that my rights under the consumer protection statutes at both federal and state level are applicable here. However, after notifying Discover of the fraud discovered, they allegedly conducted an investigation and decided to ignore my rights under the law that protect victims of Identity Theft. I understand that the circumstances are not your cookie cutter, cut and dry identity theft - however if you look at the totality of the situation- I never benefitted, authorized, or was aware of any of these accounts opened, maintained, and used in my name. My signature was forged, in every single instance that the cards were used. Payments were made from an account not under my name. The forgery and deceit is of the highest level, and I have stated numerous times that I am willing to cooperate with and assist with any prosecution for forgery, fraud, and ID theft charges that should be levied on XXXX. Pursuant to the guidance issued by the CFPB and The Federal Trade Commission, I have included my law enforcement report and my notarized Fraud Affidavit in this complaint. This ID theft report has been provided to all my creditors, however Discover is choosing to ignore the facts and reach a conclusion against me, the victim of a sophisticated Fraud. Discover has been provided with a legal notice summarized here : " Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). '' They have failed to abide by those requirements and more, and therefore leave me no choice but to pursue assistance from the CFPB in order to resolve this fraudulent debt against me.
Company Response:
State: CA
Zip: 93280
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A