Date Received: 2021-06-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XX/XX/XXXX around XXXX XXXX I heard a very loud and aggressive banging at my door. I did not see a car parked in my driveway nor across the street. I asked who was at the door and what they wanted. The individual said she was from the sheriffs office and when I opened the door, the officer hid on the side of the house and then proceeded to hand me the paperwork. She did not ask for my ID and she signed off on the document. This debt is from XX/XX/XXXXthat I was paying on regularly until XXXX. I had to use this card to pay for my mother funeral in XXXX. I have not been gainfully employed since XXXX until XXXX and I am now only working part time. I am not looking for compassion but the tactics were aggressive and unwarranted especially for someone like me that suffers from XXXX with documentation to support that. I have submitted an Answer Document to the law firm : XXXX XXXX XXXX XXXX XXXX XXXX, NC but have not been able to speak to an actual person.
Company Response:
State: NC
Zip: 27612
Submitted Via: Web
Date Sent: 2021-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I entered a consumer credit transaction with DISCOVER BANK and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that DISCOVER BANK claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. DISCOVER BANK has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Company Response:
State: LA
Zip: 70810
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I made a purchase on XXXX on XX/XX/XXXX, for {$69.00}, I received an email right away stating the received my order and would notify once it shipped, well its been a few weeks and I still haven't heard anything so upon doing some research I found the website was a scam, there is no way to get in contact with them, the email address they sent doesn't work, I contacted my bank to dispute it and they basically told me im XXXX out of luck, whether I received anything or not is not their problem its mine
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I discovered I was a Victim of Identity Theft in XX/XX/2014, I filed an Identity Theft Police Report and Affidavit of Fraud. I've contacted the Credit Bureaus multiple times over the past 7 years and notified them that multiple accounts were opened in my name without my knowledge and/or consent. Discover Financial is reporting a fraudulent account on my XXXX and XXXX XXXX Credit Reports, I notified Discover Financial and advised them I had no knowledge of this account and I believe it was a direct result from Identity Theft. XXXX removed the Discover Financial Account from my XXXX Report, however XXXX & XXXX XXXX have continue to report this account as a charge off on my credit reports ...
Company Response:
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2021-06-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XXXX of XXXX, I contacted Discover Bank to inform them I would be unable to make a payment because I was forced to leave my home during the Texas Snowstorm. Also at this time, I gave Discover my new banking information, as I was using XXXX XXXX, and they had seperated from XXXX and gone to their own operating system. I informed the collections agent that I would be paying during the month of XXXX when I was able to do so, as I had missed a week of work and was not going to be payed by my job during the week of the storm. In XX/XX/XXXX a payment was made using the XXXX XXXX account in the amount of XXXX dollars, which was processed correctly. In XX/XX/XXXX, I contacted Discover to ask an unrelated question. I was encouraged to sign up for XXXX XXXX and was told not to worry and all my payments would be processed automatlically. I expressed my concern to the agent that any post dated check payments would not be processed, as XXXX does not issue checks and does not except check debits from outside sources. I accepted the agents offer based on her assurances everything would be processed correctly, and made a payment in the amount of XXXX using a post dated check system, rather than an ACH. My payment of XXXX payment was returned a week later, and I called to make a replacement payment using the same banking information. The agent assured me this payment would be processed using the ACH method, and was processed correctly on XX/XX/XXXX. On XX/XX/XXXX, I contacted Discover to make a XXXX dollar payment to my account, and explained the necessity to process the payment as an ACH and not a post dated check. She stated she was processing my check as an ACH. On XX/XX/XXXX, my payment returned. I was told this payment was processed as a post dated check, even though I had asked Discover not to. On XX/XX/XXXX, I attempted to process another XXXX payment. I was told this was returned on XX/XX/XXXX. It is unclear why this payment was returned, and was advised by Discover that I should contact my bank. My bank is unaware of any payments made and stated that they could track a payment using a trace ID number. Discover is unwilling to give me the Trace ID number and has stated that any payments returned will be reported to my credit, and is unwilling to work with me.
Company Response:
State: TX
Zip: 78728
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
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: This fraudulent charge happened XX/XX/21 at XXXX of {$1400.00} at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX MARYLAND XXXX With the name of XXXX XXXX as stated by discover through mobile wallet XXXX XXXX with my discover card. I received a text asking if I made this transaction the day the charge was made and I replied no. I immediately called them and they gave me a new account # and credited me back the amount. They said they would contact me again for further questioning. Assuming that this has been taken care of since they gave me credit I thought I didnt have to worry anymore. XX/XX/XXXX, I check my discover card and I see the charge is posted again. So I call them back and they said they tried to contact me with further questioning and left me a voice mail and letter. I told them I never answer unknown calls and my voicemail wasnt set up since I updated my phone and didnt get the messages till I set up my voicemail the day of XX/XX/XXXX when they already closed the case. Plus I just moved into a new apt in XXXX so my mail could of been mixed up. I then asked how and who made this charged and what was the reasoning of resolving this case Below are the reasons : -a charge made through mobile XXXX XXXX had to be used with my physical phone and XXXXXXXX XXXX login to authorize a charge -I didnt follow up within the 60 days ( which I explain above ) I live and work in XXXX when this fraud happened, so why would they resolve this case when they told me an XXXX XXXX made this charge in Maryland. I also have no authorized users on my account nor have anyone permission to use my card or phone with personal information. How can Discover say a man named XXXX XXXX made this purchase in Maryland where I have never visited and still believe I made this transaction when I was in XXXX with my physical phone on me. I asked for a written document of the reasons above and they would not give me one without a subpoena. Then asked for a re opening of this case. I sent them screenshot documents of a possible reason that I was hacked through my phone with XXXX security update of stating that my information may have been compromised on XX/XX/XXXX. I also filed a police report on XX/XX/XXXX which they didnt do much to investigate the fraud since it was in Maryland which wasnt helpful for me. They then sent me an affidavit that I signed agreeing that it was a charge I did not authorize on XX/XX/XXXX. I followed up with phone calls making sure they received this information on XX/XX/XXXX, XXXX, and XX/XX/XXXX which they then told me there still wasnt sufficient evidence in resolving this case and there isnt any more recourse to be done. As you can already tell how frustrating this is as this is a clear case of fraud and personal hacking And I tried my best to give them as much info involving the police and any documents. I will now have to file a small claims against Discover to win this case.
Company Response:
State: NY
Zip: 11222
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
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 monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXThis is not mine. 4. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 9. Identity Theft XXXX Account Number : XXXX This is not mine. 10. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-03
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Discover did not fulfill their promotion regarding a {$45.00} statement credit when signing up for a XXXXXXXX XXXX XXXX membership. Discover sent me an email on XX/XX/XXXX ( see attached ) about a promotion that stated " Get a {$45.00} statement credit when you activate this offer and sign up for a new {$45.00} XXXX XXXX XXXX membership online or in club with your Discover Card by XX/XX/XXXX. '' At the bottom of the email they included the fine print which included certain criteria that must be met. One of those said that the " Offer fulfilled as a statement credit within three billing cycles after the end of the promotion. '' As a result, I waited until XXXX to contact them to ensure that the full three billing cycles were met. I called them and had online chats with them on XX/XX/XXXX questioning why I didn't receive the statement credit. I had followed the criteria in the fine print. I purchased a XXXX XXXX XXXXXXXX Membership on XX/XX/XXXX with my Discover card using the link provided in the email. I have never been a member of XXXX XXXX XXXXXXXX before. I authorized annual recurring charges when purchasing the membership. I purchased the membership in the U.S. I've never used this promotion before or anything related to this promotion. I do not work or have ever worked for XXXX or XXXXXXXX XXXX XXXXXXXX. I am above the age of XXXX. When I contacted Discover on XX/XX/XXXX they could not provide me a reason why I would not receive the {$45.00} statement credit and they said there was nothing they can do or I can do to remedy the situation.
Company Response:
State: TX
Zip: 78660
Submitted Via: Web
Date Sent: 2021-06-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I call Discover Card services XX/XX/2021 to inquiry as to why my credit report was showing I only paid {$220.00} each month. I was told they do not have to report the complete amount, all the law requires is that they report the Minimum balance. and they where not going to change it.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-03
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: applied online for Discover It student card. Denied reason : No credit record available. None used. It reads on the back of letter some thing is not right and or accurate. For a free copy of your credit bureau report contact : It's blank no credit bureau is listed or printed. Something is not right.
Company Response:
State: CA
Zip: 91767
Submitted Via: Web
Date Sent: 2021-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A