Date Received: 2021-06-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Date : XX/XX/2021 Amounts : 0 Actions : Close my account by Discover Bank I applied for a credit card on XX/XX/2021, and I provided all the information for the verification process. However, since I received the card on XX/XX/2021, this card was placed on hold and I never have an opportunity to use it. On XX/XX/2021, Discover Bank just send an email to me stating that " we have closed your Discover card account effective immediately ... We will report to the credit bureaus that the account was Closed by Grantor. '' Such closure was made without any details. Due to such closure, my credit score will be negatively affected. It is unfair because I do not have an opportunity to enjoy the benefit on this card while Discover bank puts my credit score at risk. Even though I have talked with Customer Service many times, they failed and refused to provide any details about the reason for closing. It will unfair for me to suffer from a reduction of credit rating without knowing the reason. Besides, such closing was made without any prior notification to me. I do not have an opportunity to provide further information to the Bank in order to protect my right to fair credit rating. Such action has infringed my rights under Fair Credit Reporting Act. Such a report on closing my accounts will damage my credit score and further assessment of my credit history.
Company Response:
State: GA
Zip: 30306
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
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.
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: the account was never authorized to report on my credit, please see the account below : Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: NJ
Zip: 07305
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: 2021-06-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please check on that and remove them from all the 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.
Company Response:
State: NJ
Zip: 07601
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: i have contacted discover on several occasions in the past year. i did get behind on my credit card. i spoke with a representative that said if i can get my card paid down to below my credit limit they will work with me to keep the card open. i made a large payment that brought me below my credit limit. within 2 days they closed my card after that. i contacted them and asked why and no one really had an answer other than once it closed they cant reopen it and then i was told that they got a power of attorney letter from a debt consolidation company and that was why. i fought with them for a while with no resolution. i contacted the debt resolution company and they stated they did not send them a letter. they refused to send me a copy of the letter they got. about a month ago i got a preapproved offer to reapply. i did and i got denied and the status for denial was due to a situation with another discover card. ive contacted them again. i am in the phone with them for the second time today. i have been unable to get a manager or a supervisor on the phone. they said i have to call the attorney who got my case after they closed my account. i never once got a letter from an attorney and discover was still automatically deduction payments fro my account to pay this card down. they insisted today i have to go through the attorneys office. i called the attorney they told me i have to contact and gave me the number. the woman i spoke with from there was very rude and told me she cant speak to me about anything and referred me back to discover. i found out today while speaking with a representative the letter they received was received back in 2018 and it was because i did go to a debt consolidation company but i did not include my discover and a few others. but they got this letter originally in 2018 and continued to allow me to use my card and make payments and then out of nowhere they close it using this letter as an excuse. i feel like my account was closed and not for the right reasons and now i get an preapporal offer to reapply and i was declined to to the situation with my other card. so they have no intention of being honest about why they really closed my account t and continue to send me stuff to reapply when they will not even consider giving me another card which i. turn affects my credit. i feel this company is shady and doing illegal stuff to justify closing accounts
Company Response:
State: NY
Zip: 12601
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
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 XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft DISCOVERBANK Account XXXX : XXXX This is not mine. 5. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 6. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine.
Company Response:
State: CT
Zip: 06610
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: the following account was never authorized to report on my credit : Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Discover Executive Vice President Of Credit and Card Operations XXXX XXXX XXXX XXXX XXXX DEXXXX Dear XXXX XXXX XXXX : An inexcusable situation has recently occurred with my discover card ending in XXXX. I entered the payment protection progam on and discover was inaccurate in their reporting. I was under the full impression that while in this program my credit would be protected from negligent reporting to the three credit bureaus, unfortunately for me I had Seven ( 7 ) months in a row of late payments. I have attempted to resolve this problem myself, but my attempts have been unsuccessful. Therefore, I trust you will personally and promptly do so for me. I have patronized your company for many years. Furthermore, I have promoted my satisfaction to my friends and family, who have then become clients of your company as well. Unfortunately, I felt it necessary that these many customers must also be made aware of the outrageous situation in which I have found myself. I expect an immediate and full refund of money discover charged my account while I was in the payment protection program by no later than two weeks from the date of this letter. Until I hear from you with this resolution, I will be forced to continue to dispute these late payments to all three credit bureaus. Thank you. Sincerely, XXXX XXXX XXXX cc : Director Federal Trade Commission Bureau of Consumer Protection Consumer Response Center, Room XXXX XXXX XXXX XXXX, XXXX Washington, DC XXXX T whom it may concern Discover is reporting my late payments in error! this is the letter I wrote to XXXX XXXX on XX/XX/2021 XXXX XXXX Executive Vice President Of Credit and Card Operations XXXX XXXX XXXX XXXX XXXX DEXXXX Dear XXXX XXXX XXXX : An inexcusable situation has recently occurred with my discover card ending in XXXX. I entered the payment protection progam on and discover was inaccurate in their reporting. I was under the full impression that while in this program my credit would be protected from negligent reporting to the three credit bureaus, unfortunately for me I had Seven ( 7 ) months in a row of late payments. I have attempted to resolve this problem myself, but my attempts have been unsuccessful. Therefore, I trust you will personally and promptly do so for me. I have patronized your company for many years. Furthermore, I have promoted my satisfaction to my friends and family, who have then become clients of your company as well. Unfortunately, I felt it necessary that these many customers must also be made aware of the outrageous situation in which I have found myself. I expect an immediate and full refund of money discover charged my account while I was in the payment protection program by no later than two weeks from the date of this letter. Until I hear from you with this resolution, I will be forced to continue to dispute these late payments to all three credit bureaus. Thank you. Sincerely, XXXX XXXX XXXX XXXX Federal Trade Commission Bureau of Consumer Protection Consumer Response Center, Room XXXX XXXX XXXX XXXX, XXXX Washington, DC XXXX
Company Response:
State: MO
Zip: 64138
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2019, discover financial started reporting me as deceased and closed the account. I attempted several months in a row to make my payments and Discover would not allow me to because of the deceased status. I informed them multiple times they were reporting me as deceased incorrectly. They requested I contact the Social Security office to fix the mistake, which I did, and provided the corrected information to discover financial. They have since charged off the account and have been reporting to all three credit bureaus since XX/XX/2019 that I am late on my monthly payments. discover financial never contacted me to reinstate my payments or communicate any information regarding the account. They currently have me listed as alive however continue to report negatively with the three credit bureaus. I originally requested that they remove the deceased status and all negative reporting from the three credit bureaus, but they have only agreed to remove the deceased reporting and not the charge off or late payments.
Company Response:
State: FL
Zip: 33525
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts dont 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 XXXX Account Number : XXXX This is not mine. 2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.
Company Response:
State: NJ
Zip: 07011
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A