Date Received: 2021-05-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX -DISCOVER FINANCIAL SERVICES # XXXX XXXX XXXX XXXX # XXXX
Company Response:
State: OH
Zip: 43068
Submitted Via: Web
Date Sent: 2021-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way Diversified adj svc Open date XXXX XX/XX/XXXX Balance {$2300.00} XXXX bank Open date octob XX/XX/XXXX Lease Rental Open date og XX/XX/XXXX Edfed cu Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.
Company Response:
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2021-05-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-29
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: Good day, I have a credit card account with Discover. They terminated my account citing that I was not in good standing and had poor credit history. This terminated our agreements and accounts. They continue to pull monthly and daily inquiries into my account for their " Identity theft and protection service '' that is offered only to Discover card members in good standing. I've requested via phone call and " Chat Support '' several times to have this stopped and was given a run around saying they don't control that. That they do not offer that service. That they are not performing that service. I could keep going on the excuses. I still get daily emails and see on my report inquiries from Discover.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-28
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 removed names and addresses and phone numbers from their response. I submitted a complaint through the cfpb trying to seek resolution to an on going issue with discover card. The response I recieved provided no resolution and only a promise to take the issue out of the perview of the cfpb. This is not acceptable, # 1 that the CFPB considers this an actual response, # 2 that the cfpb would allow them to close the complaint without addressing my concerns. Discover Card, rather than addressing my complaint, said we have no further information to provide at this time, this was in reference to the original complaint, where they said it would take up to 90 days to actually respond, which is beyond the fcras 30 day limit, and the cfpb 60 day limit. The cfpb said ... ok no problem, that's acceptable and closed that complaint as well. The complaint should not be closed until resolution is provided. How else can the cfpb determine if the complaint was addressed, and addressed with in a timely manner. Discover card, closing the complaint before resolution is unacceptable. Why even bother with all the extra lingo, if that lingo contains no resolution ... just type a random letter or number on the keyboard, and close the complaint. It's the equivalent of what you did, and it is not acceptable. Please resolve this issue within the 60 days allotted by the cfpb, and do not close the complaint until resolution is provided through the cfpb. Bellow is the last response with in you can find the complaint number, as well as the original complaint number which started the time clock. Do not reset the time clock as they have not actually addressed my concerns at all. XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2021 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT Companies response says they will take longer than 30 days to resolve the dispute. Fcra allows them 30days. The information they provided violates the fcra because it lies about the time frame a company has to resolve a credit dispute. A creditor can not provide misleading information to a consumer. Their response attached. FTC theft report number is. Please remove from credit bureaus. ATTACHMENTS ScreenshotXXXX ( XXXX KB ) View full complaint Sent to company STATUS Sent to company on XX/XX/2021 We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. Company responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response XX/XX/2021 RE : Discover card account ending in XXXX Consumer Financial Protection Bureau Case # : XXXX Dear XXXX XXXX XXXX : Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are efficiently addressed, your inquiry has been forwarded to my attention within the Executive Office of Customer Advocacy at Discover. We regret any dissatisfaction with our XX/XX/2021 response to your CFPB case number XXXX. As advised in our prior response, based on the information you provided an investigation was initiated into your claim that the above referenced account was fraudulently opened. There is no additional information we are able to provide at this time, as the investigation is still ongoing. Should you continue to have questions or have additional information you wish to provide, we recommend contacting our Customer Protection Services department at. Once our investigation is complete, our Customer Protection Services department will contact you in writing with their findings. Thank you for allowing me the opportunity to address your concerns. Should you have any additional questions or concerns, please contact me at (. I am typically available XXXX, from XXXX XXXX to XXXX XXXX ( ET ). Sincerely, XXXX XXXX Executive Office of Customer Advocacy CC : Consumer Financial Protection Bureau Feedback provided STATUS Feedback provided on XX/XX/2021 Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS The original response said they would take up to 90 days to respond. That's is not acceptable. I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS This was a no response. THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No
Company Response:
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2021-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-28
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I closed my discover card account by notifying the company in XX/XX/XXXX. They promised to close my account and to send a paper bill to settle my final payment. I never got a bill until XXXX which showed the final amount with added on late fees and interest charges. I called Discover on XX/XX/XXXX and told them they did not send me the final bill in XXXX so that I could pay it in full and never paid late. They agreed to remove the late fees and interest charges and told me my final payment was {$1000.00}. I paid the COMPLETE amount by check stat on the phone on XX/XX/XXXX. I gave them routing and account number for my bank and their rep confirmed that it cleared. Their customer rep told me my balance was fully paid, account was closed and they would never bother me again. I got another bill and email for {$1000.00} on XX/XX/XXXX. When I called Discover yesterday i.e. XX/XX/XXXX, they said they would " look into it and open a dispute and get back to me in 15 days ''. They said the payment had not processed, although that is not what they said earlier and they had my bank information already and they had 1 week to process it. In the meantime, they said they would keep accumulating interest and late fees and charge me for it. Discover is obviously cheating me because they are refusing to process my check, refusing to close my account and want to keep charging fees/interests to illegally make more money from me. This is a disgusting and unethical process. They should not try to leech on desperately to customers in order to make more money from them, and to play these desperate games.
Company Response:
State: CA
Zip: 91354
Submitted Via: Web
Date Sent: 2021-05-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-28
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: DISCOVER Dropped case against me. Discover non-suited ; therefore, case has been dismissed against me. please remove from creit report, this is hurting my FICO score. -- please immediately remove. Thank you XXXX XXXX XXXX
Company Response:
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2021-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: 1-Provide Accounting of Ghost/Floating Balance Placed on my Account in XX/XX/2019. 2-Provide Accounting, Identify Balance of Ghost/Floating Balance Each Month since XX/XX/2019. Indicate the amount of payment applied to Ghost/Balance Applied since XX/XX/2019. 3-Explain why Discover doesn't identify Ghost/Floating Balance on the last 24 statements in the " Interest Charge Calculations '' 4-Provide ACCOUNTING of specifically how much of the last 24 payments were applied to the Ghost/Floating Balance. 5-Explain why Discover does not identify the Ghost/Floating Balance in the " INTEREST Charge Calculations '' as I'm being blindsided by Discover NOT providing any accounting in the last 24 months of statements. 6-Provide Disclosures, Terms and COnditions for the actions you took without my permission. 7-You applied a balance to my account without providing disclosure, transparency and terms and conditions. I have made 50+ inquiries and DISCOVER provides information that I already have. 8-Provide a ledger of accounting for the last 24 months of the actual accounting of the ghost/floating balance and the payments applied to the ghost/floating balance Discover unilaterally created without my understanding, permission and consent. 9-Explain why DISCOVER is hiding the numbers and the monthly accounting of the GHOST/Floating Balance on my account. I want a monthly accounting for the last 24 months of the money YOU WILL NOT IDENTIFY ON MY STATEMENT, it is only identified in a general balance. Discover is acting COVERT in applying a GHOST/Floating Balance without providing me the accounting of the monies. You provided general information and HAVE NOT ADDRESSED THE ISSUE of the accounting of the ghost/floating balance, terms, conditions, consent. WHAT IS THE INTEREST RATE of the GHOST FLOATING BALANCE, IDENTIFY it on my monthly statement. I WANT FULL TRANSPARENCY and ACCOUNTING in ledger with terms and conditions. I DID NOT CONSENT TO WHAT OCCURRED. YOU TOOK THE MISTAKE OF YOUR EMPLOYEES AND MADE IT MY PROBLEM AND DISAPPEARED IN PROVIDING ME THE TERMS, CONDITIONS AND INTEREST RATE OF THE BALANCE YOU APPLIED TO MY ACCOUNT UNILATERALLY.
Company Response:
State: CA
Zip: 90403
Submitted Via: Web
Date Sent: 2021-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: A fraud charge in the amount of {$1200.00} to XXXX on XX/XX/XXXX was reported to Discover on or around XX/XX/XXXX, closed out shortly thereafter citing inconsistencies. As I explained to Discover rep ( s ), I did make a call prior asking about funds availability and advising a charge from XXXX might attempt for an amount in range of {$1300.00}, I was looking at a mini-bag at a boutique in XXXX XXXX, CA for my girlfriend, I decided not to purchase. The transaction in question came from a boutique in XXXX XXXX, CA, not XXXX XXXX, I explained to first rep in disputes XXXX does not offer refunds, only store credit, the XXXX rep I spoke with did not understand situation and I was unable to reach store manager at the time. The Discover rep referred to initial call I made asking about funds availability and charge from XXXX might attempt, did not understand matter. I made a second call, spoke with another Discover rep, whom referred back to conversation with first rep, did not understand charge is fraud and I did not provide card number to anyone at XXXX. Unable to file a claim with rep, I made a third call, explained and spoke with a XXXX whom opened a fraud claim, was explained I did not purchase anything at XXXX and did not provide my card number to anyone at the company. The fraud claim was closed out on Monday after, citing inconsistencies ... It appears they refer to first call made inquiring about funds availability and possible charge from XXXX, in case a fraud alert is raised. Please note, the prerecorded message when calling Discover states calls MAYBE monitored and recorded, not WILL BE monitored and recorded in which case my consent was not given to do so.. One of my attorneys listened to the message, agreed the language is not clear, Discover is not able to refer to such illegally recorded calls. Recently, I provided a tracking number received from XXXX for a package supposedly sent which was not received and has signature required on it, supposedly delivered on XX/XX/XXXX with no signature. I explained it appears someone intercepted package as most scammers like to do after making a fraud purchase, Discover reps did not seem to take this information into consideration.. I've contacted XXXX, filed a claim in an attempt to resolve fraud claim, however, it is not my responsibility to do so.. Discover should resolve such claims with merchants, not the customer. Further, they can not refer to illegally recorded calls without consent as basis for closing out claims.
Company Response:
State: CT
Zip: 06320
Submitted Via: Web
Date Sent: 2021-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-27
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I was notified that DISCOVER had frozen my account in order that it be verified. They requested 3 months of bank statements which I sent on XX/XX/2021. I called on XX/XX/XXXX and was told they had not received them from their portal. I resubmitted that day and saw on their website that the documents were received. Ive called every few days and keep being told it takes several days. It is now two WEEKS and Was told that since they did not receive documents by the deadline the account is CLOSED. After a long discussion I am told the representative will note that I am upset. There bas been NO EFFORT on the part of Discover to address this issue, and will not expedite. It will be handled in the order in which it was received - which means I am starting the process all over again! XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX Email : XXXX XXXX : XXXX
Company Response:
State: FL
Zip: 33809
Submitted Via: Web
Date Sent: 2021-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2021-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A