Date Received: 2021-08-09
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.
Company Response:
State: PA
Zip: 18017
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them from 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 DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 2. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 3. Identity Theft DISCOVER FINANCIAL SER Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 11. Identity Theft XXXX Account Number : XXXX This is not mine. 12. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 13. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 10710
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: My Discover card was taken and used without my knowledge to buy womens clothes Discover is trying to make me liable for this balance and has turned it into my credit t report affecting my credit score.
Company Response:
State: OH
Zip: 44601
Submitted Via: Web
Date Sent: 2021-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Account on my report stayed longer than 7 years and still getting reported. Disputed some things but keep getting denied.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-07
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I took Discover card offer for {$45.00} credit for making a {$45.00} purchase at XXXXXXXX XXXX XXXXXXXX. I did it and made a purchase of {$45.00} XX/XX/21. I contacted them and they confirmed to me I did what required and I will get the credit in due course. I contact them again in XXXX, as I did not receive it. I was confirmed again I will get the credit early XXXX, I did not receive then told me by end of XXXX billing cycle, I contacted them Today XX/XX/21, Discard agent told me I am not qualified for the promotion and said to me they got a comment from XXXXXXXX XXXX XXXX that I am not qualified, because I was a existing customer but I am not. The fact is I spent the # XXXX to pay for the membership fee. Discovery card asked me to contact XXXX XXXX and gave to me XXXX XXXX customer services numbers. I called XXXXXXXX XXXX customer services and they told me they have no knowledge of what is going on with Discovery card. THE BOTTOM LINE IS I TOOK THE PROMOTION FROM DISCOVER CARD NOT FROM XXXX XXXX XXXX AND DISCOVER CARD CONFIRMED AND RE-COMFIRMED TO ME I AM QUAILIFIED FOR THE PORMOTION. SO THEY NEED TO KEEP THEIR PROMISE OR THEY NEED TO CONTACT XXXX XXXX CARD TO GET IT RESOLVED NOT ME
Company Response:
State: TX
Zip: 77505
Submitted Via: Web
Date Sent: 2021-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: It is my understanding that the Card Act requires that Discover process my payment the same day. This did not happen on several occasions leading to two additional {$20.00} charges to my account. Further more there was a {$10.00} fee/charge, by discover, that no one could explain or determine what it was but I was charged nonetheless. After about 30 days the debacle continued, once my {$550.00} payment was made, on my secured discover card, Discover canceled my account and told me I would not have access to my {$500.00} for upwards of 70+ days.
Company Response:
State: CO
Zip: 80920
Submitted Via: Web
Date Sent: 2021-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
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: MA
Zip: 02360
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: 2021-08-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. Discover Bank Opened XX/XX/2017 Amounts XXXX Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below.
Company Response:
State: FL
Zip: 33126
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Please see attachment. This is the response that I received when I requested the Method of Verification for the fraudulent Discover Financial Services account. XXXX is refusing to validate this debt. They are also updating the XXXX date each month which is also a direct violation of my FCRA consumer rights. I am hereby requesting for this fraudulent account to be removed from my account due to XXXX XXXX inability to validate the account.
Company Response:
State: FL
Zip: 32301
Submitted Via: Web
Date Sent: 2021-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: i had the following ach transactions to coinbase from discovery bank. My coinbase account was compromised and I need to dispute the ach transfer with discovery bank and get the money back. XX/XX/2021 ACH WITHDRAWAL XXXX XXXX - {$16000.00} XX/XX/2021 ACH WITHDRAWAL XXXX XXXX - {$20000.00} XX/XX/2021 ACH WITHDRAWAL XXXX XXXX - {$29000.00} XX/XX/2021 ACH WITHDRAWAL XXXX XXXX - {$35000.00}
Company Response:
State: CA
Zip: 94024
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A