Date Received: 2021-07-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I got these accounts that does not belong to me and i want to be remoe from my credit report asap. 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX 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 DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: FYI I apply for per paid card and was mislead that I was approved for the prepaid card this should not be allowed. Just bringing this to your attention because many of the Banks and Credit Cards are misleading me and others and using the review as hard view on Credit Card
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX is reporting ths account as open and with a balance ... i was removed as an authorized user years ago,,, ,this should report paid and balance of {$0.00} ... i have tried multiple times to have them corrected and it comes back verified everytime ... they are not conducting proper investigations ...
Company Response:
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have an unauthorized inquiry on Inquiry date : XX/XX/2021 from Discover FINANCIAL SERvice.
Company Response:
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Company Response:
State: IL
Zip: 60901
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
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.
Company Response:
State: CA
Zip: 902XX
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: 2021-07-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: To whom it may concern ; While checking my credit, I came across an account that states " it is closed ''. I called the Company, the first woman told me the " account '' has been sold to XXXX XXXX XXXX She transferred me over. I spoke to a woman on XXXX XXXXXXXX XXXX, she got a new address from me and said she would mail me a letter with information in regards to this account. She did keep repeating that the account was open and I owed {$980.00}, but the she also mentioned the account was for {$750.00}. I called Discover Bank and XXXX on XX/XX/2021 around XXXX. I have yet received any information in regards to these accounts. I called discover bank again today, XX/XX/XXXX, the Woman I spoke to was XXXX " XXXX ''. She mentioned they do not do reference numbers. I asked if she'd be able to sent me anything in regards to this account that they say is mine. XXXX mentioned they do not do that and that I can ask over at XXXX XXXX XXXX It has been well over a month, and yet I have not received anything.
Company Response:
State: WA
Zip: 98198
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Discover Financial is report inaccurately when my credit report was pulled. Although charged off in XXXX of 2019 there shows an updated balance that reports every month. This is a violation of FCRA and should be corrected to be a closed account in charge off status without a monthly reported balance.
Company Response:
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Made two ACH transfers from available funds in account at Discover Bank to newly opened account at XXXX XXXX XXXX on XX/XX/2021. Transfers were initiated with Discover and sent on XX/XX/2021 but when I called this morning to find out what time the funds were sent, I was told there was no time stamps on either of the transactions. Test credits and debits were sent by Discover Bank to XXXX XXXX XXXX on XX/XX/2021 to verify the XXXX XXXX XXXX account. I called XXXX XXXX XXXX and was told the funds would be credited to my account by Tuesday or Wednesday and now it is Wednesday XX/XX/2021 and the funds have not been credited to my XXXX XXXX XXXX account. Stay away from Discover Bank. This is my second complaint against them in one week.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
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: 10950
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A