Date Received: 2021-07-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response:
State: VA
Zip: 22802
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
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: Basically, this is a tandem scam carried out by XXXX and Discover, with the final assessment by XXXX 's team to blame Discover Card for failing to take the corrective action in a fraud case. I would file this as a dual charge if CFPB made it possible. With that said, the basic scam is a very common XXXX XXXX scam, where a seller sends an empty package, or worthless object ( in my case an empty envelope/package ) and this trips the USPS postal system to show that " package was received ''. To the uninitiated, this should be a simple report back to XXXX/XXXX to report this and that should resolve it. XXXX/XXXX makes this difficult by making a mandatory waiting period, layers of bureaucratic automation, and forced time spent by the user to resolve the situation. It is my opinion that this is a core part of their business model, and I would assume there are some internals somewhere showing some chunk of their margins come from grinding some percentage of users until they give up on fraud reports. With that said, I used Discover Card to dispute the case, in order to avoid this hassle. But Discover went out of its way to also refuse to take even a modicum of common sense, and instead relied on its bureaucratic protocols, which once again stem from the fact that the scammer can show that the package arrived. Discover refuses to accept common-sense information, and even with XXXX sending emails that explicitly state that Discover card has wrongly classified my case as " item not received '' rather than their own bureaucratic classification of " item not as described '', it is very clear that after hours of explaining this to all parties by phone and messaging system that they hide behind their own internal procedural mechanisms in order to not once take very basic information into account.
Company Response:
State: CO
Zip: 80301
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Discover Financial Services failed to provide proof of authority to validate the alleged debt, despite a written request I sent on XX/XX/2021, to produce for my inspection upon demand as required by law, the original ( wet signature ) contract and agreement. They willfully committed fraud and identity theft by obtaining credit card statements to show as proof of a consumer contract. According to 18 USC 1028 ( a ) ) ( 1 ) Identity theft means a fraud was committed or attempted using the identifying information of another person without authority. I never gave Discover Financial Services, or it is affiliates permission or authority to obtain any IDENTIFYING INFORMATION regarding myself. Pursuant to 15 USC 1692 ( c ) ) ( b ) without the prior consent of the consumer given directly to the debt collector, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer. Discover Financial Services via written communication addressed to me on XX/XX/2021, admittedly forwarded my personal information to a third-party company, which is a violation. Pursuant to 15 USC 1692 ( e ) ) ( 10 ) a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer ; and, 15 USC 1692 ( e ) ) ( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency. Discover Financial Services on XX/XX/2021, sent a written correspondence to me trying to obtain my personal information under the guise of an investigation by a credit bureau manager ; both instances are completely deceptive and violations by law. Pursuant to 15 USC 1692 ( f ) ) ( 8 ) a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram. Discover Financial Services repeatedly sent correspondences to me with their company logo on the front of every envelope, which is a complete violation of the FDCPA. Pursuant to 15 USC 1692 ( d ) ) ( 5 ) causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number is a violation by Discover Financial Services. Pursuant to 15 USC 6801 ( b ) ) ( 3 ) protection of nonpublic personal information by Discover Financial Services was violated when they shared my location & financial information with a third-party company. Discover Financial Services has made 14 violations while trying to collect this allege debt from me, and pursuant to 15 USC 1692 ( k ) ( A ) they are liable to me in the amount of {$14000.00} ; that is {$1000.00} for each of the 14 violations committed against.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My credit card with Discover suddenly stopped working after 6+ years of my being a customer ( never once did I make a single late payment ) and this morning my credit report informed me that my account had been closed. I received no notice of this, and upon contacting Discover the representative argued with me that they called me ONCE and left a message to call them back ( I have no such message ) absolutely sent me emails ( which they said during the call that the emails would be found in my spam folder as they were not sent by Discover??? ) and because I did not respond to their attempts to contact me they made the decision to close my account without ever informing me. I have always paid my bill on time, I have no idea what information they suddenly needed or why and I do not understand why they would make such little effort to contact me prior to closing my account without any notice or option to appeal. I would happily have obliged to work with them, but the C.S. rep told me that there was absolutely no way I was going to have the account reopened and that I was not guaranteed to be approved if I were to apply for another card - which I know, because in closing that account my credit score dropped nearly 100 points. This feels like a deceptive, unfair practice and is causing me greatly unnecessary harm both financially and to my credit score, all of which could have easily been avoided. At the end of the call, I told the rep that this was a XXXX excuse for customer service and I was hung up on. Most financial unions offer relief during this time, but I am being crucified for not receiving a single voicemail with no real information about what happened, that my account was in danger of closing, or what I needed to do to resolve it. I feel cheated and completely lost. Six years of loyalty and consistently on-time payments and this is the treatment I received.
Company Response:
State: NJ
Zip: 083XX
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone stole my identity and opened many accounts without my permission or authority.
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Joint account, other authorized user never paid balance. Account has been charged off please remove from all 3 bureaus. This is greatly impacting my credit score.
Company Response:
State: TN
Zip: 37160
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: My name is XXXX XXXX and I am writing this letter to complain of the constant harassment I receive from XXXXXXXX XXXX XXXX XXXX First, XXXX XXXX XXXX, XXXX recently sued me for this same account and the action was dismissed ( attached ). This case was dismissed by the same creditor and attorney on XX/XX/XXXX. I explained this remained unpaid due to my wife loss of employment and I had to make a decision at that time to pay for rent, food and take care of my children or pay Discover ( please see attached of my wife previous job letting her go ). In addition, a garnishment was recently filed in court and signed by XXXX XXXX, XXXX XXXX on XX/XX/XXXX and I was never notified by court ( attached ). However, the documentation was mailed out to me by XXXX XXXX XXXX and the XXXX XXXXXXXX XXXX on XX/XX/XXXX and didnt actually arrive to me until XX/XX/XXXX which allowed more than two weeks to go by and not providing me with enough time to respond within a proper time frame ( attached are envelopes with postage date of mail out from XXXX XXXX and XXXXXXXX XXXX XXXX XXXX & date letter actually arrived to me ) this failure to proper notify me within a decent time frame providing me with less time to file an appropriate objection to the wage garnishment. As mentioned previously, I also never received notice from the court that a wage garnishment was filed in my name. I am entitled to allow sufficient time to file an answer without any malicious intent involved. The creditor nor the XXXX, XXXX XXXX followed proper procedure by failing to give me timely notice of the garnishment and therefore I am objecting to this garnishment. Moreover, I have filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX against XXXX XXXX XXXX for failing to follow proper protocol and also for providing paperwork with the wrong index number to intentionally keep me from filing my answer on time. I ask help from CFPB regarding the ongoing harassment I keep receiving from XXXX XXXX XXXX, XXXX over the years and to now for them to file a lawsuit and not properly notify me is illegal.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I got lawsuit papers on XX/XX/2021. It said it was from Discovery Bank and is a card that I did had and did have a outstanding balance of {$10000.00} or a little less. Anyways I did not pay much attention because I was nervous and scared and honestly did not know what to do or how to even answer the documents I got. So I thought I should just accept the debt and then work with Discovery Bank to take care of it. Well I send a response to the Justice Court, accepting the debt I called the number on such file and it was from a Law Firm in XXXX Delaware named XXXXXXXX XXXX XXXX XXXX XXXXXXXX, I called a few times on different days and no one picked up and sometimes the line would make the sound like we used dial-up back in the early days of the internet. I decided to call Discovery and they told me to deal with them and I told them I was not even able to reach them. Long story short, I got another lawsuit from the same Law Firm but from another unrecognizable name XXXX acquisitions. In the document, they mentioned an account with XXXX XXXX, which indeed I did have an account with but with a wrong balance something over {$40000.00} they claim. Then I looked at the attached documents and most of the information is wrong like they copy and paste any information and organize it a bit and make it look legit, same I noticed looking at the documents with Discovery Bank Lawsuit. So then after a quick search of this business, I found out all the complaints and illegal activities they do, and the pursuit of all types of debts so I decided to actually make a complaint to assure to protect any other customers they might be targeting because that is what I fell, they saw that I did not fight back the lawsuit, they got another of my debt and decided to pursuit too to target me for over {$14000.00}. I tried contacting them and no luck at all. I do not know why they have yet contacted me from the first lawsuit, today is XX/XX/XXXX so since XX/XX/XXXX I am yet to be contacted and now they have got me served again. Because of lack of funds, I did not know how to respond or defend myself and I find myself helpless and decided to consider bankruptcy because these people are vicious, I got offered at some point much ower amounts to settle each of those 2 mentioned debts, but I could not afford anything at that point, these people when straight up for everything I supposedly owned, and because I did not defend myself now they have a legal claim to that and is making my life a living XXXX.
Company Response:
State: DE
Zip: 19904
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2021, I left my credit card in the holder or may have dropped it at a XXXX XXXX XXXX XXXX. I went back to the store and my card was returned by a customer. I asked the cashier if anyone had used it and she said no, that a customer gave it to her. A few days later when I was paying my bill online I noticed that my card had been charged for {$39.00} and {$160.00}, I called the number on my card. The gal who took my information said the charges needed to be disputed, she went ahead and did so. A few months later, I noticed the 2 same charges back on my account. I called right again. I was then told by the representative that this should have been handled by their fraud team, she then transferred me over. The fraud team opened up a case and removed the charges. A few months went by and once again I noticed the charges again. I called and was informed that they ruled against me because the card was in fact used at XXXX, I told them that while that is true, I did not use the card, it was left there and someone else used it. They then said I needed to get police report. I called the police station and was told that I needed to take care of this matter with my cc company. I called them back and told them, they said ok and the matter is under review. Once again I saw the charges back on my account. I called again and was told there was nothing they could do because I did not get a police report. I got very angry and words took place, not proud but it is my hard earned money they seek and my good name at stake. I called the police department again and asked if an office could please call me. An officer called and he found it ridiculous that Discover was doing this, but he would file a report and he did. I called the next day, on XX/XX/XXXX to inform of the police report. I asked what would happen now because the police officer was told by XXXX that they are uncertain how long the video footage is kept. The Discover rep informed that there were other reasons why my fraud claim was denied. she said that I failed to respond to their fraud alert that was done by email and text, I said I never received anything and I could subpoena my phone records and contact XXXX with regards to the emails, she then said, oh no need to worry because that wasn't one of the reasons. she then said the reason was because I kept paying the bill and didn't inform of the unauthorized charges until months went by. I told them that they had been told when I initially called I was told the charges needed to be disputed and I let the representative do her job and the charges were disputed with billing and when I called because the charges reappeared I was then told by the representative that this was a fraud case and she then transferred me to the fraud department. Now here I am, almost 4 months later still dealing with this. They said in a round about way that if there is not footage I would be responsible for the charges. One of the reasons I chose Discover was because of their fraud protection which states ... .when there is an unauthorized charge the customer is not 0 % liable yet they aren't holding their end of the bargain. I am a hard working individual who lives honestly and right now I don't have much money so I make sure I count my pennies. I am a XXXX XXXX XXXX with a part time job. I have always paid my Discover credit card on time, but I refuse to pay for something that I did not purchase or authorize. Please help me because this situation is taking a tole on my health, both XXXX and XXXX
Company Response:
State: AZ
Zip: 85635
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
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 used Discover card to purchase a XXXX branded camera as advertised for {$59.00}. However, when I received the camera, it was a generic counterfeit product instead of the XXXX brand. The selling website is a business located in XXXX with a warehouse in XXXX California. After trying to resolve the issue with the seller with no resolution, I reached out to the Discover card customer service to open a dispute. I have submitted the following proof to the discover card : 1. Screenshot of the website product display showing the XXXX branded camera. 2. Photo of the actual product received showing not a XXXX branded door camera. 3. Order comfirnation and correspondance with the seller showing the seller is unwilling to provide me with a return address or prepaid shipping label. And the " warning '' from the seller that I need to bare huge return shipping cost sending the product to an unknown destination. It took Discover card more than a month to process the dispute, during which time, I received just one email saying that they are still investigating. During the week of XX/XX/XXXX, they sent me a final decision that they can not dispute the charge because the seller showed proof that I authorized the purchase, so the purchase is valid. In my honest opinion, the seller was able to show that I make a purchase and they sent me something. But Discover card totally disregarded the documentation and evidence I submitted showing the different product I received and the unwillingness of the seller working with me to resolve the issue. In this case, Discover is the only party that can protect a consumer, however, they chose look the other way around so they can keep the merchant fee of the transaction.
Company Response:
State: CA
Zip: 95126
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A