Date Received: 2021-07-10
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Discover Bank restricted my XXXX account upon a fraud claim by a person I sold a good on XXXX That was a false claim and that person told me that he cancelled the dispute. No matter how many times I've called them, they couldn't help me with activating back my account to made me call to them and XXXX back and forth. Now I can't use and enroll XXXX through them.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Account Name : DISCOVER FIN SVCS LLC Account Number : XXXX Date Opened : XX/XX/2011 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
Company Response:
State: MD
Zip: 20770
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-10
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I am continually getting calls from Discover to get me on a card. They're no good and I hang up on them and I block the number the calls are on but they call again from other numbers. I want the entire Discover Bank and Discover card company blocked from my number
Company Response:
State: NY
Zip: 12203
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-10
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
Company Response:
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2021-07-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
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: This issue has been dragging on for over 6 months now. I am exhausted trying to come to a conclusion but everybody including my credit card is playing ping pong and referring me from one department to another. I order furniture set from XXXX XXXX XXXX. I actually purchase in-store, paid with my credit card. I paid for white-glove service which is the when everything should be shipped to home and assembled. XXXX XXXX 's delivery was a complete mess on delivery day with delayed shipping dates, delivered damaged goods, and intentionally stopped responding to our communication attempts. We tried phone calls countless times. Once we started a dispute with credit card - Discover - XXXX XXXX, General Manager reached out and asked how they could rectify the situation. After speaking she understood the situation is a mess and suggested to have all items returned because of the negative experience with damaged and delayed shipping goods is unacceptable. However, it has been several months and still no one has communicated with me in regards to furniture pickup updates as we spoke about. Discover in my dispute portal finally stated dispute is resolved in favor but did not credit me my full dispute amount and instead charged me. I am so confused. If the dispute is in my favor then why should be charged for the damaged and delayed goods it should have been returned by now but again no one is communicating appropriately.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On or about XX/XX/2021 I applied for a secured credit card with Discover. My application was approved and on XX/XX/XXXX Discovered took {$500.00} from my XXXX XXXX account. On XX/XX/XXXX I received my card and attempted to activate it using their XXXX activation number. However, the automated system directed me to the fraud unit. The next morning I called Discovered fraud unit and they informed me that someone ( male voice ) called to report that my application for their card was fraudulent. I told them that I never called them and that all of our communications had been via email only. I asked them to provide me with the information as to who had called them as all their calls are recorded. They informed me that they would conduct an investigation and for me to call back in a few days. When I called back, they would not provide information to me and informed me that I would have to reapply and deposit another {$500.00}. I requested my {$500.00} back that they took to secure the card, however, they informed me that it would take another 60 days to get my money back. The card was never activated, so therefore never used and they should have returned my money immediately. It doesn't take 60 days to refund money back to the bank account they took it from. I am a retired XXXXXXXX XXXX XXXX XXXXXXXX, and I feel that I have a right to know the results of their investigation. There was NO WAY this was a fraud application. They ran a credit check, the funds came directly from my XXXX bank account and I want to know who called them to made this false complaint, which would be illegal. I am respectfully requested that Discover return my {$500.00} back now ; and also I want the results of their investigation. Since, it has now affected me and my credit score.
Company Response:
State: CA
Zip: 925XX
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
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: NY
Zip: 10463
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
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: NJ
Zip: 08861
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had recently wrote cfpb a complaint about discover credit company reporting a negative mark on my credit report with these balance has already been sastified and paid for as agreed also on there last reponse they did not provide any real documentation in relation to these so called negative balances ... so there for i am asking if discover credit can please take off this negative mark on my credit report people have suffered enough from covid 19 finacially and now discover wants to punish us more by reporting inacurate informations on peoples credit reports who have XXXX fico accounts that are always paid for on time please this is just far beyond ridiclous and i honesty dont think anyone deserves it at a time like this and what we are all going through rite now
Company Response:
State: CT
Zip: 06111
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A