Date Received: 2021-06-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
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: 92544
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The account was 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: NC
Zip: 28105
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I was never late on this account.
Company Response:
State: MA
Zip: 014XX
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Discover Financial Services LLC failed to validate their account and Discover Financial Services LLC have no knowledge of who opened the alleged account. AGENT NAME ( Fraud and dispute department ) requested the authorized representative for IDENTITY THEFT VICTIM to sign the name 3 times on documents provided by Discover Financial Services LLC and send in identification on an account that is listed as closed & charge off. ( IDENTITY THEFT VICTIM ) is a victim of identity theft and will not disclose any private information without proof of a previous contractual agreement with Discover Financial Services ; signed wet-ink. Discover Financial Services LLC received insurance payments each time the account was charged off. AGENT NAME was informed that the call was being monitored and recorded also. Discover Financial Services LLC failed validated their alleged account. Discover Financial services LLCs representatives failed to request an address, phone number, answers to security questions or anything that could actually identify IDENTITY THEFT VICTIM. Discover Financial Services LLC is NOW conducting fraudulent credit practices by updating information on IDENTITY THEFT VICTIM 's credit file without verification of data. Discover Financial Services LLC has also been proven to be a fraudulent card member service company that violates its alleged clients rights. On XX/XX/2021 an email was received from AGENT NAME of the Executive Office of Customer Advocacy. Identity theft victim has no idea who the email came from. Only the CEO of Discover Financial Services received an email. This email will also be added to the proof of failed validation attempts from Discover financial services. all supporting documents will be uploaded per requests.
Company Response:
State: SC
Zip: 29303
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
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 bought a storage shed on XXXX through XXXX website Order # : XXXX Order Total : {$370.00} i was given request # XXXX on XXXX when i reached out to XXXX for help through their site, XXXX told me to call them which my schedule prevents me from it and i told them that and asked for the email to be forwarded on XXXX and i was given request # XXXX and never received any email communication since. XXXX i initiated a dispute with my credit card and i had tremendous issues with them where they closed the case out shortly after it was opened which prevented me from submitting any type of documents and i kept telling them that and they didnt want to listen and the mail system has been completely unreliable. which led to a XXXX complaint against discover on XXXX XXXX complaint # XXXX over the issue and asked the XXXX to submit documentation and they have confirmed discover received documentation on several occasions and discover claims no such thing occurred however the XXXX refused to let me know who the documents was sent to and by what method and i made several attempts with the XXXX on it including at the highest level at the XXXX ( Complaint XXXX ). i had also followed up with discover and filed a complaint against the case handler and asked for my money back as well.
Company Response:
State: MI
Zip: 493XX
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Last year I discovered a false account with Discover Bank reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but Discover Bank denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but Discover Bank refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Company Response:
State: CA
Zip: 90715
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
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: NJ
Zip: 07105
Submitted Via: Web
Date Sent: 2021-06-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Last year I discovered a false account with Discover Bank reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but Discover Bank denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but Discover Bank refuses to stop reporting. Please investigate and help me resolve this issue. There is no way XXXX willing to pay a debt that is not mine.
Company Response:
State: NV
Zip: 89130
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Greetings, Approximately 4 months ago, my wife and I settled with Discover Card for an account and agreed that this would result in XXXX balance and closure of the account permanently. They agreed and a check for that exact amount was mailed and subsequently cashed. Now they are harassing us, claiming additional amounts are owed, somewhere in the neighborhood of {$400.00}. This is essentially fraudulent. The agreed-upon amount was PAID IN FULL and a letter confirming this was received. Again, harassing calls and letters have been and currently are being done. This should be a non-issue as the agreed-upon balance was PAID.
Company Response:
State: FL
Zip: 34761
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: the accounts listed here were reported on my credit report without any authorization, review dentity Theft XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft DISCOVERBANK 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 Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 11722
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A