Date Received: 2021-06-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have the following account that does not belong to me and i want it to be remove from the 3 credit reporting agencies. 1. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/2021 XXXX XXXX Discover Bank To Whom It May Concern : Pursuant to my rights under the Fair Debt Collections Practices Act ( FDCPA ) and other state and federal debt collection laws such as 15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. , I hereby request that you cease and desist ALL communication with me, as well as my family and friends, in relation to any and all alleged debts that you claim I owe. You are notified that if you do not comply with this request, I will immediately file complaints with appropriate state and federal regulatory bodies, including but not limited to, attorneys general, the Federal Trade Commission, and the Consumer Financial Protection Bureau. Civil and criminal claims will be pursued. Sincerely, XXXX XXXX
Company Response:
State: SC
Zip: 29418
Submitted Via: Web
Date Sent: 2021-06-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: After years of having my discover card they closed my account in XX/XX/2021. This was my oldest account and therefore it brought my credit scores down significantly. They stated that they had closed my account because 4 years ago I used XXXX XXXX XXXX to pay off some other creditors i owed when I was unemployed. They were not even included in the relief. 4 years later, out of the blue, they stated that was the reason and referred me to the complaint department if I had an issue with it.
Company Response:
State: AZ
Zip: 85249
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Hello, My discover account was abruptly closed without prior notice.Discover gave me reason as ''they were unable to verify personal information on your account. ' I provided them all the info and also signed sign Consent Form 4506-C .It will effect my credit history because of their abrupt closure.Please help me in this.
Company Response:
State: OR
Zip: 97006
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: the following accounts are reported on my credit report without any authorization, it is hurting me DISCOVER PL 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 XXXX : XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. Identity Theft XXXX/XXXX/XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Section 4201 of the Cares Act amends Section 623 ( a ) ( 1 ), of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ). Now, a furnisher of data to the consumer reporting agencies that allow its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected by Covid-19 should not report the account delinquent, but should continue reporting as current, unless the account was delinquent before Covid-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retro to XXXX XXXX, 2020. Due to Covid-19 forbearance program regulations, its states that no late payment are to be reported to the financial credit bureau during this time covers forbearance period. I have late payments on my report, I want removed because I am a victim of Covid-19 and legally should not have them there. I have late payments on my report, I want removed because I am a victim of Covid-19 and legally you should not have them there. Please remove late payments/change to paid as agreed.
Company Response:
State: NY
Zip: 10801
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Company Response:
State: NJ
Zip: 07508
Submitted Via: Web
Date Sent: 2021-06-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
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: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: review the following accounts that appear on my credit report, without any authorization, are hurting me DISCOVER Account Number : XXXX This is not mine. XXXX Account Number : XXXX
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: please review the following accounts that appear on my credit report without any authorization XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 3. Identity Theft DISCOVER BANK Account XXXX : XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. XXXX XXXX XXXX Account Number : XXXX This is not mine. XXXX Account Number : XXXX This is not mine. XXXX XXXX Account Number : XXXX This is not mine. XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2021-06-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A