Date Received: 2021-06-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: I had no account with the company that the scammers gave me.
Company Response:
State: VI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them form 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 Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: XXXX XXXX Florida Case # : XXXX Division XXXX Filing # XXXX Plaintiff : Discover Bank Defendant : XXXX XXXX XXXX XX/XX/XXXX Sent To : Plaintiff Retained Attorney XXXX XXXX XXXX Florida Bar ID : XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX I am XXXX XXXX rated XXXX outpatient service-connected XXXX XXXX XXXX XXXX veteran single, age XXXX sole income since XX/XX/XXXX 100 % sole Federally funded income. This defendant copy was forwarded to Mr. XXXX with no response, acknowledgment, nor reply, no action taken to dismiss or withdraw after being notified of exempted sole Social Security or Veteran Administration income causing XXXX XXXX compounding my relative mental condition. Mediation : On XX/XX/XXXX This email was sent to Discover Card in response to the threat of attorney on collection but in every instance, theft refuses to receive email voiding any possible chance for a legal paper trail as all credit card corporations appear to avoid, this was sent back to me undeliverable answering a warning email from them. It would have been the working remedy for me to pay them down had they taken the time to cooperate with their customer but Discover rudely refused for an unknown even suspicious reason to me. To : Discover Card With a high clean ( XXXX ) credit rating when this account was active my working solution was when I applied at least twice for a consolidation loan both denied the second I recall was a belligerent denial. I rely on Veteran Administration limited monthly benefits direct deposits to survive since XX/XX/XXXX those are protected, exempt from any money grab or legal method of funds seizures. This is not a " one-way '' business matter I have something to say about how my limited by Federal Government minimal benefits are disbursed. When a good-standing customer requests a consolidation loan to smooth it out as perhaps the only working solution grant us that you would have been paid, there is no hidden wealth this was not done deliberately. Everything I own modestly has been Federally funded since XX/XX/XXXX with no other income as a XXXX XXXX rated XXXX XXXX XXXX veteran since XX/XX/XXXX, solely reliant upon Veteran service-connected XXXX income and less than {$500.00} monthly social security retirement benefits, which I discovered are bot Federally protected from creditor litigation, as is my Federally funded {$300.00}. XXXX XXXX. This isolated income and no savings account both I believe are Federally protected fundamental survival funds. As a homeless XXXX veteran residing precariously in XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX with Section 8 assistance HHOPE Act Team for chronic homeless I reside single sinceXX/XX/XXXX when VA benefits released me from Section 8. Being treated for XXXX since XX/XX/XXXX daily I wake XXXX XXXX XX/XX/XXXXwith this impeding small claims in the wonder of protecting my few belongings, and cXX/XX/XXXXc as I am prescribed daily medication since XX/XX/XXXX and no family other than a variety of companion Dogs since arriving in XXXX Florida XX/XX/XXXX. I am doing what I can to enter the motion of dismissal based upon Federally protected and I believe Florida protected VA XXXX benefits and Social Security sole income statu7s, and hardship against a XXXX service member withXX/XX/XXXX being complicated by Discover Banks uncooperative unprofessional decision to refuse my application for debt consolidation on two occasions when I had maintained regular payment a XXXX credit score up until that time. This would be like paying them to formally devastate what credit rating I did work to accomplish in recent years as all the cards I possessed fell with no consolidation agreement for an unknown reason this was done actually to me. VA does not render unto veterans what should be tendered very minimal monthly benefits that technically do not allow for credit maintenance. I lived XXXX until age XXXX with no credit whatsoever in various parts of the nation I do technically not credit dependent. As a XX/XX/XXXX XXXX XX/XX/XXXXveteran I was served this Breach of Contract small claims summons on Saturday XXXX XXXX XXXX XXXX which indicates somewhat the inability for most Americans to actually respect your XX/XX/XXXX which also nationally kept me homeless for decades working 40 hours a week jobs with such low wages I went home to in inoperable XXXX XXXX XXXX unable to prepare deposits to rent any form of residency until the VA took interest in XX/XX/XXXX living rough in the streets robs the worker of rest losing skill-set. Had Discover Bank honored my attempts to arrange a debt consolidation loan on either of the two proper applications my credit rating would have been maintained and they would have been properly paid, but they didn't for an unknown cause to me. Breach of Contract failed here to recognize contracts have two ends in a cooperative business package, not just their own as they are presenting me personally. Proof on protected income was also provided to XXXX XXXX at XXXX a few days after receiving the Summons.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Account Name : DISCOVERBANK Account Number : XXXX Date Opened : XX/XX/2004 Balance : {$0.00} Reason : Identity theft Please remove this from my credit report.
Company Response:
State: AZ
Zip: 85006
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: 2021-06-10
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. DISCOVERBANK XXXX XXXX XXXX XXXX DISCOVERBANK XXXX
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
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 opened a dispute with Discover for the amount of {$2100.00} for an XXXX XXXX purchase that was never refunded.I ordered two bags and decided to return them both I called XXXX initiated the return process they sent me two return labels I packaged both items in each label and returned both same day the label was given which was XX/XX/2021 and was given proof of drop of by XXXX Both items were successfully delivered on XX/XX/2021 and XXXX only refunded one item on XX/XX/2021 when they were both dropped off the same day and delivered the same day so I called XXXX and they said they didnt receive one of my returns so I filed a chargeback with discover after trying several times to obtain a refund from XXXX. I have sent over proof to discover and yet they still dont do anything about it and favor on XXXX side stating how are they so sure those labels belong to XXXX and if they if they accepted my return, when those labels were given by XXXX and shows both tracking numbers being delivered I sent them all the proof they can possibly need which includes a proof of drop off receipt given by XXXX, proof of labels being given by XXXX via email, proof of delivery to XXXX warehouse that shows the address date time that also included signature by an XXXX employee accepting they received the package all the dates and times are on the proof and screens shots of conversations Ive had with XXXX, I have tried speaking to a manager at discover and theyre never available I have delivered my items and Discover still doesnt favor in my side after presenting strong evidence of me successfully dropping off packages and packages being delivered
Company Response:
State: CA
Zip: 91766
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
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: Four unauthorized transactions I ( and my husband, the other authorized cardholder ) did not make posted to my card on XXXX XX/XX/2021 at approximately XXXX XXXX I was at work at the time and I heard the SMS alert come to my phone that a transaction had been processed on my credit card. As I did not recognize the charges, I checked with my husband the next day ( XX/XX/XXXX ) to see if he had done any transactions whatsoever online for either XXXX or XXXX ( the purported sites involved in the transaction ). He did not. That day I called Discover and notified them that the transactions were fraudulent. They said that they could not open a dispute until the charges posted, but I could put a freeze on the card. I did that. I called XXXX, which was the processor these purchases supposedly went through, and there were no transactions at all on my account during this time period. I also checked with my husband and he did not make any purchases through XXXX. I removed the credit card link with Discover on my XXXX to be on the safe side. When the transactions posted on Sun XX/XX/2021 I opened a formal dispute and requested that my card number be changed. This was done. The small charge for {XXXX} was credited without a dispute. I received notification and documentation from Discover dated XX/XX/2021 that the three charges above {$40.00} were found to be valid upon investigation and that the dispute was being closed. Included in their documentation was a copy of the purported purchase, which were all items that, firstly, I did not recognize and would not purchase, and secondly, did not receive. They were all supposedly delivered to my front porch, but these items were not delivered here and I did not receive any of them. There is no signature documentation nor a photo of the completed delivery. I searched my email for both the tracking number and the order number for the alleged purchases and there was no results. ( Under normal conditions there would be many emails regarding both a purchase and a delivery, usually including a photo of the delivery ). I am attaching documentation : 1 ) my XXXX activity, which shows one purchase of {XXXX} on XX/XX/XXXX. This is the only purchase I have made on XXXX this year. 2 ) my XXXX activity, which does not include any transactions for XXXX past the XX/XX/XXXX date and no transactions for the disputed amounts at all. 3 ) four responses from Discover regarding the disputes 4 ) screenshot of my only email account showing a search for " XXXX order '', which shows no order past the XX/XX/XXXX order for {$10.00}
Company Response:
State: WI
Zip: 53189
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I signed up for a promotion with Discover to get {$45.00} back if I signed up for a XXXX XXXX membership. I did so on XX/XX/XXXX and 3 months later I have not received my statement credit yet. Discover says that it may take 3 billing cycles since the end of the promotion on XX/XX/XXXX for the credit to be posted on the account, which feels deceptive and defeats the purpose of the promotion ( it feels as if you would sign up for the annual {$45.00} for free when you really have to pay it or have financial charges associated with this charge as you do not get the credit until 5 or 6 months later )
Company Response:
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
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: NY
Zip: 10950
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I opened a discover secured card. They took the money out of my account next day they said my funds will be held until IRS form is signed. Would not be a big deal if they made you aware of this before they take your money. I should have been notified before they took the money because i never would have agreed to such a thing. I feel like this is bad business and needs to be changed these companies must tell us about the irs forms up front.
Company Response:
State: OH
Zip: 45239
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A