Date Received: 2021-07-24
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/2021, I purchased a toolset from a website that was advertising it as a XXXX XXXX tool combo with my Discover credit card for {$98.00}. After watching the tracking number for when it was supposed to arrive and even waiting a few days after it shows " delivered '', I contacted the company inquiring into why I hadn't received my items with no response. I then contacted my local postal service and gave them my tracking number who confirmed that the package was not sent or ever in transit and that this is a common occurrence to have fake tracking numbers from these kinds of companies. Long story short, I got scammed. So I did the next step and disputed the charge with Discover. Then said okay, we'll investigate it but will take it off. So I thought this was over and done with but saw they recently put the charge back on with a letter saying they don't have enough evidence to claim I didn't receive the item and that they contacted the scam company who says they sent it. They also told me that my only option is to get documents confirming the tracking number was false from the USPS. I contact my local postmaster and he gives me a letter confirming the tracking number was false and submitted that document to Discover. I also submitted my correspondence ( or lack thereof ) with the company showing that they have made no attempt at contacting me. I do all that to be told today that it isn't enough evidence, that the " Postmaster '' could be anyone and it all could be a made-up word document because it doesn't have a USPS letterhead. I'm at a complete loss and don't know what else to do to get this charge taken off my card for an item I did not receive.
Company Response:
State: PA
Zip: 15642
Submitted Via: Web
Date Sent: 2021-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX I received a response from XXXX XXXX XXXX through this CFPB and contacted the number on the response. I made my first payment of {$50.00} on the {$2100.00}. on XX/XX/XXXX. Today, XX/XX/XXXX I got paperwork in the mail which I can not attach a copy of that changes the amount both XXXX and I agreed to to {$4600.00} plus interest plus filing fee of {$210.00}, service fee of {$62.00}, plus AFJ filing fee of {$39.00}, and am feeling threatened that if I don't agree and sign that if I don't sign I free them to take whatever action they deem necessary to collect more than what XXXX and I agreed to after I filed my complaint. IF the initial lawyer had worked with me court would not have been necessary. When I spoke with someone I was told that Discover agreed to the {$2100.00} amount so the lawyers in XXXX PA are not representing their client correctly Paperwork attached below. This is causing me unnecessary mental and emotional distress especially since I tried to resolve this account XX/XX/XXXX but was unable to. I was left with a very strong impression that Discover would not allow them to work with me - I told them I could not afford {$290.00} a month then. I feel I am being harassed.
Company Response:
State: PA
Zip: 182XX
Submitted Via: Web
Date Sent: 2021-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-24
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My mortgage was in forbearance under the Cares Act but I took it out of forbearance and paid all payments due. I applied for a refinance with Discover Bank and was declined because they said my loan was reported as past due with missed payments. I never missed a payment on any debts in my life. How can I get this resolved so that no one reports that I have missed payments?
Company Response:
State: DC
Zip: 20008
Submitted Via: Web
Date Sent: 2021-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-22
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I cosigned for my grandson student loan in XX/XX/2019 for XXXX been making payments, statement shows principal payments of XXXX and interest of XXXX with a balance of XXXX how do I owe more than the original amount?
Company Response:
State: WV
Zip: 25177
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I am a senior and XXXX XXXX XXXX at Texas XXXX XXXX XXXX University and I received a solicitation in the mail with a specific invitation number for me to apply for a Discover STUDENT credit card. Discover promoted the card to me as an entry level credit card designed for students. Regarding student credit cards, Discover 's website states ; " Students, build your credit history here. '' However, when I applied for this card, I was told on the phone that my roughly XXXX XXXX dollar income was not sufficient and I was promptly denied. This denial may have a negative impact on my credit score and if I had not been specifically solicited to apply, I would not have done so.
Company Response:
State: TX
Zip: 78739
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-22
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 it to be remove from my credit report asap. 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/XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-22
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have private student loans with Discover Student Loans. I misread my statement and thought that my payments weren't due until XXXX when I was initially notified. Unfortunately, for the past two months I have been severely inundated starting a new job, having significant health insurance barriers, preparing to testify as a victim of XXXX XXXX in an upcoming trial and working with the XXXX rights group in my state to file a state and federal complaint against a doctor who was abusive and discriminatory towards me. I have been receiving no less than FIVE phone calls per day from Discover - DAILY - about my bill that is not even one month late. I have outreached them 3 times this week alone to STOP calling me because I would be calling tonight XX/XX/21 at XXXX XXXX EST. The continue to call me. I blocked their number and told them to notate on my account that I had to block their number because of their absolutely predatory and harassing behavior. This has been an enormous disruption of epic proportions to my work as well as my personal life. I JUST GRADUATED IN XXXX. I will absolutely be having these loans subsidized or refinanced or bought out by literally ANY other agency because this is not the first time that Discover has done this to me. EVERY time I have a late payment - which happens for absolutely legitimate reasons - they harass me AND the co-signer this way. This is so far beyond unacceptable and I have reached out to legal counsel about this matter. I don't have time to be calling them and filing complaints all XXXX day while I'm trying to work - this job is what will be paying their stupid loan bill so you would think that they would use an OUNCE of discretion in helping to preserve that. I have never been so outraged in my life. I have medical bills in collections for 3 separate agencies and even THEY don't call me more than 1-4 times PER MONTH! Furthermore, I was forced/threatened by the co-signer into signing these loans as a young adult so to have them repeatedly harassing me then harassing the co-signer who then ALSO harasses me is horribly triggering for my XXXX symptoms and is violating. This is the most disgusting debt collection behavior I have ever dealt with and I absolutely will not continue to tolerate it. We are still in a pandemic. I had to work 3 jobs and a full-time XXXX just to pay a REDUCED loan rate with them while I tried to finish XXXX XXXX. They are absolutely abusive.
Company Response:
State: NH
Zip: 031XX
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-22
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 remove from the 3 credit reporting agencies. XXXX 1. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX CARD Account Number : XXXX This is not mine. 4. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 5. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX Account Number : XXXX This is not mine. XXXX 1. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX CARD Account Number : XXXX This is not mine. 4. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 5. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX CARD Account Number : XXXX This is not mine. 8. Identity Theft XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX Account Number : XXXX This is not mine. XXXX 1. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX CARD Account Number : XXXX This is not mine. 4. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 5. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX CARD Account Number : XXXX This is not mine. 8. Identity Theft XXXX Account Number : XXXX This is not mine. XXXX. Identity Theft XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 11210
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-23
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I, The natural Living man, The original creditor have extended my open ended consumer credit to Discover to have it extended back to the Consumer, Myself, using an open ended consumer credit plan Under the Corporation of the United States of America, securely bonded in Surety and trust within my Certificate of Live Birth. Under 15 U.S. Code 1610 - Effect on other laws ( c ) Disclosure as evidence In any action or proceeding in any court involving a consumer credit sale, the disclosure of the annual percentage rate as required under this subchapter in connection with that sale may not be received as evidence that the sale was a loan or any type of transaction other than a credit sale. Discover is not a federal, but a commercial institution, so by federal law jurisdiction Discover is Card issuer, consumer reporting agency and debt collector ( debtor ). Because Discover is a non-living non breathing entity, they have misused my extension of living open ended consumer credit ( SSN ) and signature to create a fraudulent credit sale. They have falsified statements, documents and furnished consumer reports stating that their corporation is the " original creditor ', yet by law have no right to the extension of living credit to offer the living consumer, myself. FDIC rules prevent banks from loaning their own assets or the assets of their depositors- proving the banks do not and can not provide value for value and have no valid security interest. The Lender in any loan transaction In the United States NEVER lends anything of reasonably equal value to the Borrower and any contract formed is defective for false advertising, semantic deceit, non-disclosure, and lack of equitable consideration. Bank transactions require a legal object and purpose. Discover has committed illegal acts, Fraudulent representation of fact and Lending of credit instead of money, also unfair debt collection practices and harassment through deceitful charges and billing tactics.. 15 U.S. Code 1692f.Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; A bank can not loan credit in truth and validity from a CONSUMERS CREDIT TRANSACTION. See : There is no doubt but what the law is that a national bank can not lend its credit or become an accommodation endorser. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX See : In the Federal courts, it is well established that a national bank has not power to lend its credit to another by becoming XXXX, endorser, or guarantor for him. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX See : Neither, as included in it powers not incidental to them, is it part of a banks business to lend its credit. If a bank could lend its credit as well as its money, it might, if it received compensation and was careful to put its name only to solid paper, make a great deal more than any lawful interest on its money would amount to. If not careful the power would be mother of panics Indeed, lending creates a liability in favor of the bank, the former gives rise to a liability of the bank to another. I XXXX. XXXX XXXX XXXX XXXX XXXX. See XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX. See XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Discover, by Federal law is also a consumer reporting agency and debt collector, who collected upon a not only fraudulent, but nonexistent alleged debt. FDCPA and TILA does not specify OR define the term borrower or loan therefore this notion of debt can not be validated in truth even in the highest federal court. 15 U.S. Code 1692a - Definitions ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. Understand, when an organization initiates a credit sale in a persons commercial name using their open-ended consumer credit plan, then creates and furnishes a deceptive form to make a credit sale appear valid, this is in fact Identity Fraud and theft. That organization shall pay interest to the Consumer for his or her extension of open-ended consumer credit within the CorporatiXXXX of the United States. See : the bank is allowed to hold money upon personal security, but it must be money that it loans, not its credit. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, Fed Case N0. XXXX, XXXX, XXXX. Section 103 ( b ) ( E ) ( 2 ) of the Depository Institutions Deregulation and Monetary Act of 1980, Public Law 96-221 admits that in the United States, neither paper currency nor deposits have value as commodities. Intrinsically, a dollar bill is a piece of paper and deposits are merely book entries. A Bank, non-living entity, can not Lend funds or Extend credit, therefore a bank can not be an original creditor of any natural person 's consumer credit transaction. The Documentation you have presented constitutes, Identity theft and fraud. Congress however states, under 12 USC 1431 that banks may Borrow and give security therefor and to pay interest thereon, to issue debentures, bonds, or other obligations upon such terms and conditions as the Director may approve, and to do all things necessary for carrying out the provisions of this chapter and all things incident thereto. See : XXXX XXXX XXXX XXXX v. XXXX XXXX, XXXX XXXX XXXX XXXX decision ) See : A XXXX XXXX has no power to lend its credit to any person or corporation XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, certiorari denied in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. See : The Doctrine of Ultra vires is a most powerful weapon to keep private corporations within their legitimate spheres and to punish them for violations of their corporate chapters, and it is probably not invoked too often XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX v XXXX XXXX XXXX, XXXX XXXX XXXX. See : A bank may not lend its credit to another even though such a transaction turns out to have been of benefit to the bank, and in support of this a list of cases might be cited, which-would look like a catalog of ships. [ Emphasis added XXXX XXXX XXXX XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX Va XXXX. See : It is not within those statutory powers for a national bank, even though solvent, to lend its credit to another in any of the various ways in which that might be done XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX F XXXX XXXX, XXXX ( XXXX XXXX See : A bank can lend its money but not its credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX, XXXX XXXX XXXX, XXXX XXXX ( NS ) XXXX XXXX XXXX require a legal object and purpose. Discover Financial has committed illegal acts, Fraudulent representation of fact and Lending of credit instead of money, also unfair debt collection practices and harassment through false billing charges decrease in credit limit without explanation. Under 15 U.S. Code 1692f.Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; Discover willfully intended to deceive, the original creditor into a fraudulent contract during a credit sale of a consumer credit transaction. I know who I am, and I Am Invoking my specified remedy as an original creditor and consumer in this consumer credit transaction. If Discover continues to report falsified information on my consumer ( Late Payments ) which was constructed willfully in fraudulence and identity theft, I shall be forced to pursue federal litigation with the presentation of facts and exhibits to support my stance. It is impossible to pay on a Positively reflected balanced debt or charge. Discover has mislead the consumer, when in fact the Alleged debt balance showed it has already been accounted for. Why did this number not reflect in a negative balance? 15 U.S. Code 1692h.Multiple debts If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.
Company Response:
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Discover is aware of the Identity Theft involving a credit card account and refuse to provide me information about the account beyond a " balance ''. Discover refuses to provide any proof to myself or the credit bureaus to verify that the debt belongs to me. Discover is claiming a balance of {$1400.00} is owed, but I have never had an account of any kind with Discover.
Company Response:
State: TX
Zip: 78249
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A