Date Received: 2023-11-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it is imperative that consumer reporting agencies like XXXX and XXXX operate with fairness, impartiality, and respect for consumer privacy. As a consumer, I have the right to safeguard my private information, as outlined in 15 USC 6801. Financial institutions, including furnishers of information to credit agencies, are obligated to protect customer privacy according to Congress ( 15 USC 6802b ( c ) ). However, I have not given my consent for XXXX, XXXX, or any furnisher of information to credit agencies to share my data. The law ( 15 USC 1681 section 604a ) states that consumer reporting agencies can furnish a consumer report only with the written instructions of the consumer. I have never provided such consent, verbal, non-verbal, written, or implied. Furthermore, according to 15 USC 6802 ( b ) ( c ), a financial institution must inform the consumer about their right to opt out of data disclosure, which the furnisher failed to do in my case. For multiple Accounts Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without authorization, especially if it antedates the report by more than seven years. XXXX and XXXX are violating this provision by reporting adverse items without my permission. Additionally, under 15 U.S. Code 1681s2 ( A ) ( 1 ) A, it is illegal to furnish inaccurate information to consumer reporting agencies. XXXX and XXXX are also failing to maintain reasonable procedures as required by 15 U.S. Code 1681e, which mandates consumer reporting agencies to prevent violations of the law. Lastly, according to 12 CFR 1016.7, I have the right to opt out of reporting services at any time. Therefore, I am choosing to exercise my right to opt out and revoke any consent given, explicit or otherwise, for XXXX, XXXX, and any furnisher of information to credit agencies to share my personal data.
Company Response:
State: CO
Zip: 80011
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Fraudulent activities XXXX XXXX XXXX XXXX Discover credit card and XXXX XXXX
Company Response:
State: NY
Zip: 11429
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Early this year, I asked the call representative at Discover to compensate me for the gift card I could no longer use at its defunct retail partner XXXXXXXX XXXX XXXX XXXXXXXX. My request was denied. The gift card issued by Discover card was my cash back reward accrued by my purchases as a Discover card member. The denial is an unfair and unlawful business practice due to no fault of my own.
Company Response:
State: CO
Zip: 80122
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: The issue is that Discover Bank 's systems do not work and have me locked out of all my accounts. I moved and do not own a cell phone. I had to get a new landline phone number when I moved. When signing into Discover Bank website they send a code via phone but do not have my new number. I phone the bank to give them my new information. I followed their instructions exactly : I printed out their webpage ID verification form, went to a notary, filled it out and got it notarized. ( file attached ) On XX/XX/XXXX I uploaded the form on Discover 's upload page which said upload was successful and received an email verification of the upload. ( File attached ) They told me it would take about XXXX days, to call them then. I phoned and they could not find my form even though I gave them the confirm # that is in the email. ( XXXX ) They told me to upload it again, which I did twice more each time their page said upload successful but I never got an email confirmation for either of them. I called and they could not find either one. They still could not find any of the uploads XXXX days later and told me to take it somewhere I could fax it to them. I faxed it from the library on XX/XX/XXXX and received an email verification of that transmission. ( File attached ) They told me that they received faxes immediately and I could call to verify they had received it. I phoned them but they said their fax system was down. I checked again before closing time and it was still not functioning. I phoned the next day, XX/XX/XXXX and they said they have it and I could phone before closing time to check if it was processed. I phone back and they said they couldn't find it. I phoned again on XX/XX/XXXX around XXXX EST and they said they are working on it, but it still is not processed. Meanwhile they have automatically renewed a CD I did not want renewed and they said they could not change that until my ID is verified. I asked to speak to someone who has some authority there to handle such problems, but they did not provide anyone. My old phone that is still on the account was ( XXXX ) XXXX. My new phone is ( XXXX ) XXXX which they need to put into my account so that I can sign in.
Company Response:
State: WA
Zip: 98058
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
Company Response:
State: TX
Zip: 78664
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below DISCOVER BANK XXXX
Company Response:
State: CA
Zip: 904XX
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I paid off my full credit card balance of {$6800.00} on XXXX XXXX XXXX. After the payment was cleared, I then called Discover to close my credit card on XX/XX/. The Discover agent closed my credit card and let me know there were no charges left on my credit card. Without any sort of communication, Discover charged an interest charge of {$25.00} on XXXX XXXX XXXX XXXX business days after my credit card was closed. Discover never sent me any sort of communication or email stating the new balance was due. XXXX months went by and Discover then charges me a late payment and then reported the unauthorized late payment to my credit bureaus. My credit score has now decreased from XXXX to low XXXX 's because of Discover 's failures. I have reached out to Discover multiple times and Discover agents are unwilling to reverse their credit reporting error. Discover is standing by their reporting stating their XXXX statement shows an interest charge of {$25.00} but the disconnect is that Discover charged their fees XXXX business days after I closed my account. Also, no communications were given to me to give me the chance to either dispute or pay the erroneous interest charge. Please help to look into Discover 's fraudulent behaviors and help to reverse their credit reporting error.
Company Response:
State: IL
Zip: 615XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have attached NEW AND RECENT COPIES of my credit report from XXXX showing that DISCOVER is STILL reporting an active payment history until XX/XX/2023 for account ending in XXXX. DISCOVER HAS YET TO PROVIDE A CLOSURE DATE FOR THE ACCOUNT TO XXXX AS REQUESTED. XXXX stated that until they are provided a closure date, the account will not be removed until XXXX years from XXXX. I have also attached a recent letter from DISCOVER regarding their previous investigations into the account, but XXXX of their representatives informed me on a recorded phone call that an investigation NEVER took place and that is why the account is still reporting active and not closed as requested. She also mentioned that even though I have provided documentation directly to them and through the CFPB, DISCOVER NEVER reviews the documentation.
Company Response:
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have attached NEW AND RECENT COPIES of my credit report from XXXX showing that DISCOVER is STILL reporting an active payment history until XX/XX/2023 for account ending in XXXX. DISCOVER HAS YET TO PROVIDE A CLOSURE DATE FOR THE ACCOUNT TO XXXX AS REQUESTED. XXXX stated that until they are provided a closure date, the account will not be removed until XXXX years from XXXX. I have also attached a recent letter from DISCOVER regarding their previous investigations into the account, but XXXX of their representatives informed me on a recorded phone call that an investigation NEVER took place and that is why the account is still reporting active and not closed as requested. She also mentioned that even though I have provided documentation directly to them and through the CFPB, DISCOVER NEVER reviews the documentation.
Company Response:
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Promotional Credit card APR ended, and balance was paid in full. Discover did not credit the payment according to the credit terms of the agreement. Payment applies to the lower interest rate first, any excess payment is to be applied to the highest interest rate first. This was not done by Discover in violation of the terms of the credit card agreement. Instead, they ignored this and allowed the interest to escalate to the next tier and the interest rate quadrupled. This is a bait and switch tactic. I suspect other consumers have fallen to this scam. This case should be referred to the Attorney General for prosecution and investigation.
Company Response:
State: CA
Zip: 905XX
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A