Date Received: 2021-08-12
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I have repeatedly called their CS line as well as even RETURNED promotional offers and them trying to get you to sign up for some other loans. I don't want them. I have even opted out with the credit bureaus so you should NOT be sending me anything offering anything extra. I have a card with you. That is it, if there is nothing that needs to be sent in regards to that card, do not send me this misleading GARBAGE anymore.
Company Response:
State: MA
Zip: 02760
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: 2021-08-12
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Discover Student Loans are engaging in harassment. They call me between 4 and ten times per day and leave harassing voicemails daily. I can't have my phone on me at work anymore because Discover is calling me so many times back-to-back.
Company Response:
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
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: Spoke with a representative at Discover and was instructed my credit report would not report a late payment and would report as paid on time. This was in XXXX of XXXX. I was experiencing covid and due to my inability to work was going to be late on my bill that month. Despite being on time with all my future payments since, I would like to request that Discover honor they're customer service and remove the late payment. I promise to continue to pay on time, thank you for your business and assistance.
Company Response:
State: NC
Zip: 288XX
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I want to complain about two facts. 1- if the due date of the statement XX/XX/XXXX and minimum payment is XXXX, and I make purchase on XX/XX/XXXX why it goes to my credit score as increase balance and lower my credit score where the balance that we talk about just the new purchase that occurred on XX/XX/XXXX ( yet discover would generate two account statements where the difference between them two days just to hurt my credit score while i pay for each purchase immediately after pending and processing is open or allowed discover block me me from payment it take 6 days of the purchase processing and pending takes 6 days ). 2- processing and pending takes 6 days where we cant make any payment the software forbids us, so why not accept the payment if it will hurt us this much 6 days of each calendar of the month discover consumer should stay away from using the card else it will goes as increase payment on the credit score even after the payment in pending and processing status and yet blocked from making payment before that. so for example on XX/XX/XXXX the bank statement was done, but with purchase of XX/XX/XXXX new statement got generated with the new balance and as i said processing and pending and block payment till those done and yup aggressively reported new merchandise as increase balance and lower my score so why generate two statements where the difference between them two days, its like hay we discover peg you to use our credit card and yes we would generate account statement within days apart just to hurt you sir these XXXX discover did to me three times and yes please look at how many days till my payment shows its like i pay them, i use their card, and yet they like red XXXX reduce my score 4 points where im not lying other than such XXXX got repeated three times so please have them dispute what they did to me and tell now if i buy something they would hurt me claiming increase balance before they allow me to pay it what should i call this. so yes please request their account statements and notice the date on these statements they report any activity before or after the due date as increase balance on my credit score, Im asking them to also report my payments as decrease on the balance just not to play fair, its just as they report increase they suppose to report decrease ( the way they rush into reporting increase balance on my credit score i want them with the same speed report the decrease in the balance on my credit score ) gush you get to see that XXXX return saved me from such on going mess how about if i tell you i called discover and i told them due date is coming and the processing of the return is due and payment is not allowed and it will be printed as increase balance she said yup that will happen she said she cant see XXXX from her discover side, but from discover side of mine i saw XXXX where i had to give her exactly the amount to tell me yes she can see it. sir im not perfect but this act from discover was attack over and over while im behaving my best.discover should allow us to make payment before processing or pending is over save them as extra money on the account. summary within days discover issues two account balance statements in the same month and repeated that twice or three times, where the idea of that just to report increase balance on my credit score where sadly the payment in pending and processing and after due date.its like more than animal XXXX. please ask them to provide you the statements they issue me and the increase balance they reported and note the date of me posting payments and the harm they did to me while they can see the payment and purchase after the due date and yet they wont report the decrease of balance why they this ugly its like they issued multiple statements within days just to decrease my credit score while the payment in processing and pending and yet after payment processed they wouldnt report decrease balance so yes the way they report increase balance they suppose to report decrease balance and lets start of them disputing those. for them to be nice with me and others we should ask them to do that
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Discover Financial failed to make good faith effort to verify my information before closing my account without reason or notice : Discover promised to allow 10 days for my info to be received and verified but did not. In XXXX, I made a single withdrawal at a casino for {$500.00} and shortly thereafter Discover Financial requested I submit a 4506T. I submitted it the same day with my mailing address which differs from my home address. Both addresses appear on my credit report. Both my condo and my XXXX XXXX are in the XXXX zip code. After 5 days, Discover financial requested a revised XXXX which I submitted immediately. Finally, they closed my account without notice it reason and refused to provide info during subsequent phone calls. I have proof of income, tax returns, excellent credit, and do not engage in any type of illegal activity nor do I gamble. Discover Financial did not make a good faith effort to verify my information and closed my account, adversely affecting my credit score and financials, dropping my score from XXXX to XXXX
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2021-08-12
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: Discover Card/XXXX XXXX is hereby given written notice that I am currently in contact with the XXXX XXXX XXXX XXXX ( XXXX ) and waiting for them to assigned me legal representation. Discover CardXXXX XXXX is to cease and desist any further action which would be consider detrimental and injurious to my consumer credit report and credit ( FICO ) score. The alleged perpetrator has accepted responsibility of the debt of the Discover CardXXXX XXXX credit card account ending in XXXX ( replacement ), previously known as XXXX ( reported fraud ). Discover Card/XXXX XXXX recent offer dated XX/XX/XXXX and the circumstances involving my reported Identity Theft report should be reviewed by the Consumer Financial Protection Bureau ( CFPB ), Federal Deposit Insurance Corporation ( FDIC ), Department of Justice ( DOJ ) and Federal Trade Commission as it borders on planned extortion and bribery. Discover CardXXXX XXXX I acknowledge receipt of your Charge-off notice dated XX/XX/XXXX. Received on XX/XX/XXXX via USPS delivery and understand that I must accepted your offer by XX/XX/XXXX or risk penalties. Your offer is pressuring me to make telephone contact, which I find difficult, providing me only two days notice. As stated previously I am hearing impaired and telephone conversations are difficult to understand especially more difficult in making binding financial agreements. Will Discover CardXXXX XXXX provide reasonable accommodations under the provisions of the Americans Disabilities Act in providing any settlement offers? In addition, your offer did not include a contract or any legal disclosures just asking for me to agree to something blindly. However, the Charge-off notice is effective after XXXX XXXX XXXX Are there any other offers or avenues to settle this issue? You are in control of other civil remedies prior to inflicting me to irreparable harm by damaging my consumer credit report for the seven years without providing me clear evidence of my alleged wrong. Whereas, if Discover CardXXXX XXXX firmly feels that I am still responsible for the Discover Credit Card account ending in XXXX, previously XXXX it is within your right to serve me with a civil tort court action or file a criminal complaint against me for theft. I have requested that you provide records that you have withheld since XX/XX/XXXX that would free me of responsibility. Taking aggressive, slanderous and punitive actions against me without providing civil due process is a very questionable business practice. The Charge-off action process without due process needs a thorough review by the Federal Trade Commission as I see the next process in the future of a class action lawsuit. It is to my understanding that if I accept your gracious and special but limited time savings opportunity of a reduce interest rate of 7.99 % for 12 months it would infer that I would be perjuring myself by assuming the debt and acknowledge that the Discover Credit Card ending in XXXX, previously XXXX had always belong to me. HOWEVER, IF I do not accept your gracious offer, the Charge-Off order a negative report would immediately be placed onto my Consumer Credit Report for the next Seven ( 7 ) Years holding my credit score ( FICO ) hostage with no civil remedies. The threating action of a Charge-off within two business days is extortion by the pressure of time limits. The promise of a reduce rate and cash payment of {$50.00} dollars is bribery for accepting fault. As to accept a deal with a promise of a financial award is to avoid a harmful act is holding a victim XXXX to your demands. In addition, Discover Card/XXXX XXXX did not provide a written contract proposal as I would need time to review as I can not accept a deal over the telephone. A complaint has been sent to the U.S. Department of Justice for their cursory review and oversight. As a Senior Citizen I am very frightened and feeling bullied by your actions. You are threatening my future well-being as your punitive actions of a Charge-off would adversely affect in my ability to live, find affordable housing, secure utilities, travel, medical care and treatments. Therefore, your Charge-off action would cause me irreparable harm for life without access to fair due process. Discover CardXXXX XXXX is asking me to perjure myself and admit to ownership of the Discover Card Credit Card Account ending in XXXX, previously known as XXXX. Having reported being a victim of Identity Theft I have previously signed legal the several sworn affidavits including reports under penalty of perjury to the XXXX XXXX Sheriffs Office with the assigned Criminal Case No. : ****-****XXXX. I do not wish to perjure myself and give up my rights in any court action. Side Note : The Consumer Financial Protection Bureau ( CFPB ) and Federal Deposit Insurance Corporation ( FDIC ) should be aware and take punitive action against Discover CardXXXX XXXX for their failure to acknowledge or cooperate in the XXXX criminal investigation. When reporting Identity Theft, I had also signed legal sworn affidavits to the Federal Trade Commission, California Attorney General, US Department of the Treasury et al. I have requested the assistance of other federal, state and local agencies to correct the questionable behavior of this and other lenders. Specifically, those who are not in compliance with regulations as set forth and described in the Fair Credit Reporting Act ( FCRA ). In addition, Discover Card/XXXX XXXX had provided me with the Affidavit of Identity Theft Victim Information. I had honestly filled out and signed the Affidavit of Identity Theft on XX/XX/XXXX and returned same via fax and United States Postal Service registered mail. The affidavit discover Card/XXXX XXXX had provided stated basically the same as the FTC Identity Theft Report ; I declare under penalty of perjury that the information I have provided in this affidavit is true and correct to the best of my knowledge signed on XX/XX/XXXX. The affidavit also includes the following statement : I declare as a result of the event ( s ) described in this Affidavit, the following Discover Card account ( s ) was/were opened in my name without my knowledge, permission or authorization using my personal information or identifying documents : Account Number XXXX issued by Discover date of issue XXXX XXXX XXXX In addition, I did not authorize anyone to use my name or personal information to seek the money, credit, loans, goods or services described in this reportI did not receive any benefit, money, goods or services as a result of the events described in this report. I will not commit to perjury or accept your bribe. An inquiry was made at Discover at XXXX and no fax number was provided and a different address of XXXXXXXX XXXX XXXXXXXX, XXXX, AZ XXXX to submit a response.
Company Response:
State: CA
Zip: 93561
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XX/XX/2021, my Discover Credit Card was stolen and purchases were being made without my permission. From XX/XX/2021 to XX/XX/2021 my card was charged {$11000.00}. When these transactions took place Discover failed to notify me that these transactions were happening. They did not call me or message me asking if I was making these purchases. One of the charges included was a hotel charge in Florida of over {$4000.00}, how can they charge me for that and not call me to confirm it was me. In addition, I only have a {$9500.00} credit limit on my account, so how in the world did my balance jump to {$11000.00}. They have deemed that the transactions are valid, even after I provide proof that I was in CT with credit card statements that showed my presence in CT through purchases I made. I have cooperated with them to the best of my ability, yet they have failed to help me in this terrible situation. They have failed to protect me in this situation and have left me in a position with a debt that I can not afford. The negative impact on my life will be astronomical from this situation, and the only thing they care about is themselves and taking advantage of their customers. They also provided XXXX proof that I benefited from any of the transactions.
Company Response:
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: DISCOVER SEND ME MY MONTHLY STATEMENT WHICH I NOTICE THAT INTERSET IS JUST AS HIGH AS MY $ XXXX MONTHLY PAYMENT ( {$130.00} INTEREST RATE ) FOR LAST TWO MONTHS THAT I NOTICE LOOKING AT THIS MONTH & LAST MONTH STATEMENT MONTHS BEFORE THAT I WAS JUST PAYING LIKE {$24.00} FOR INTEREST RATE REACH OUT TO ASK THEM WHY JUMP IN INTEREST RATE ONE PERSON TELL ME BECAUSE IM AT MY LIMIT ON CARD WHICH STILL DO NOT SOUND RIGHT AT ALL I TOLD PERSON THIS WAS YESTERDAY CONVERSATION GOT DISCONNECTED SO I REACH OUT TODAY WITH SAME QUESTION AND LETTING PERSON KNOW I HAVE OTHER CARDS WITH SAME RATE XXXX & INTERSET MONTH IS ONLY {$24.00} LIKE IT BEEN WITH DISCOVER UNTIL LAST TWO BILL STATEMENT LETTING THEM KNOW THAT IT IS PREDATOR LENDING AND IT AGAINST LAW THAT I WILL BE REPORT IT ONLY THING XXXX DID WAS SEND OUT RATE WHICH I KNOW IS XXXX LIKE MY OTHERS CREDIT CARDS AND INTEREST DID NOT JUMP UP TO AMOUNT OF MONTHLY PAYMENT
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
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 METRO 2 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 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, 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 ( 1 ) 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 ( 5 ), before the end of the 30-day 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. XXXX XXXX XXXX XXXX bal. {$1900.00} 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 1681c ( 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 four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
Company Response:
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
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 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: 33032
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A