Date Received: 2021-05-21
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: It is mandatory that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ). 3. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX XXXX Account Number : XXXX 4. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account XXXX : XXXX 5. Please block and remove this XXXX and XXXX data on my credit report. XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX 6. Please block and remove this XXXX and XXXX data on my credit report. DISCOVERBANK Account Number : XXXX
Company Response:
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Discover refuses to abide by the law and verify debt they claim is owed. This erroneous information is breaking the Fair reporting Credit Act. On XX/XX/2021, I sent a 609 dispute letter to the credit bureaus and Discover to verify debt. Specifically, requesting " physical verification of the original signed consumer contract ''. Again in this letter it states, " an original Consumer Contract with my Signature on it ''. In response on XXXX XXXX, 2021, Discover chose to blatantly ignore my requests for a contract or signature and sent a letter stating when this card was allegedly opened and an address of public information without any verification of debt belonging to me. I sent a Fail to Validate letter stating this fails to meet the Federal Trade Commissions guidelines in which I outlined in the letter and again requested verification. On XX/XX/2021, I was sent a degrading letter again ignoring my request to validate that " We previously communicated to you the result of our investigation ''. Then, the 2nd page requested my social security number and birth date which they would have if this debt is valid.
Company Response:
State: WV
Zip: 26501
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: my name is XXXX XXXX and i had a conversation with discover card rapresentive on XX/XX/XXXX requesting to lower my interest rate to 4.99 do to the fact that i had an offer of 0 percentage from a new card if they could lower my present interest rate. they agreed to lower to 4.99 and send an email to confirm it. enrollement should start in XXXX payment now they denied such agreement and charge me XXXX XXXX XXXX dollars of inrerest on my balance. in a conversation with an agent she told me that the note on the account said that i had an agreement of lower interest rate at XXXX and she did not know why did not get activated. she put in line with a supervisor name XXXX which change complete the issue and told me that no such deal ever occurred. obviously she lied and they deserve to get penalizes for breaking all the consumer law in book and the supervisor XXXX need to get XXXX.am requesting the involvement of the cfpb in this matter and disbar the discover card for fraud against consumer.
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Last year I found a false account with Discover reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but Discover denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but Discover refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Company Response:
State: CA
Zip: 90303
Submitted Via: Web
Date Sent: 2021-05-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-20
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: Discover account. They harass me and call family and friends of mine. They called early in the morning and late at night. They closed my account showing two late payments. I was never late. they told me payments were deferred due to covid -19. they refused to take my money. I feel as if they have discriminated against me. it has destroyed my perfect credit rating and i stand to loose thousands on an home purchase with escrow. These late payments need to be removed.
Company Response:
State: CA
Zip: 91307
Submitted Via: Web
Date Sent: 2021-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I made numerous attempts today, XX/XX/XXXX, to dispute a transaction from XXXX on XX/XX/XXXX or XX/XX/XXXX in the amount of {$1200.00}. I made a total of three calls to Discover, spoke with three different reps in disputes dept.. As explained to initial rep, I attempted to resolve matter directly with XXXX XXXX called the number listed on transaction numerous times within the past few days, was told they do not refund and only issue store credit .... The XXXX rep ( s ) were explained I did not make transaction, did not understand it is fraud. I left a message for a manager, no one called me back. I called Discover back a second time today, explained to another rep transaction is fraud, she attempted to refer me to a third party number in which case I told her that would not work, I needed to dispute charge with Discover. I then requested a manager, was put on hold for several minutes, no picked up.. I called back a third time, spoke with a XXXX in disputes, attempted again to dispute charge, he was explained above and I was put on hold while he attempted to file dispute ... He mentioned a call made to Discover on XX/XX/XXXX inquiring about funds availability for the charge and or a fraud alert in re, that call appears to be for a different amount .... I was at the time looking at an item for a different amount on XXXX, a boutique in XXXX XXXX, CA had a small mini bag available, a gift for my gf, I chose not to purchase, went with a XXXX bag instead. The amount of XXXX bag is around XXXX with tax. The call with XXXX cut off while on hold, he called back, put me on hold again.. I had another call come in which I needed to take, had to drop his call while on hold. Due to confusion on end of Discover reps in disputes, I was not able to file dispute and with call cutting out and later dropping, do not know if anything was filed. I wish to dispute charge as fraud, nothing received from XXXX in re, appears to be result of a possible data breach within XXXX
Company Response:
State: CT
Zip: 06320
Submitted Via: Web
Date Sent: 2021-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-20
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/2021 I spoke with senior loan processor XXXX XXXX about what was still needed to finish the approval of a home equity loan. At this time I was told all I needed was a copy of a stimulus check that was deposited into my checking account in XXXX. I told XXXX it would be a few days since my bank would only mail me a copy. At this point I asked Ms. XXXX what the chances of approval looked like and she said 98 % that this was happening and to look for a 2nd week of XXXX for closing. Two days later, I received an email from XXXX informing me that they could not approve the loan. I feel I was misled and lied to by Ms. XXXX concerning my approval. In a separate email, she apologized and said she felt horrible for how this happened. I can provide emails if needed.
Company Response:
State: FL
Zip: 33709
Submitted Via: Web
Date Sent: 2021-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-20
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Due to the pandemic, I have been unable to work my second job. As such my Discover student loans fell behind. Recently within the last few weeks, I have secured secondary employment to supplement my income. I had previously made payment arrangements for a single monthly payment that had cleared on XX/XX/XXXX. After this payment was applied it was found one of my loans had a different delinquency from the other loans. As such, when establishing a payment plan to catch up the payments, an additional payment was scheduled to catch up the out lying loan. The first of payment of the plan and the additional payment are scheduled to process on XX/XX/XXXX. While previously setting up these payments and knowing what I could afford my mother and I both would receive nearly daily emails from XXXX claiming to be from Discover and collecting on these loans. It was explained to me that these were system generated emails and after all arrangements were setup the emails would stop. All arrangements were setup on XX/XX/XXXX ; the emails stopped for approximately two business days. On XX/XX/XXXX, the emails resumed. In this set of emails however, the email I received had the balance due and the amount past due transposed from those in the email my mother recieved. To this date, no one at Discover has been able to confirm that these emails infact came from Discover. Because the number listed in the email is listed nowhere on Discover 's site nor seemed to have a connection with Discover from a web search, as someone who previously had their identity stolen I was not comfortable with calling the number listed. As such all communication has been directly through the Discover Student Loan 's primary number. In all communications it was obvious " the left hand didn't know what the right had was doing. '' Stories would change, on one call that lasted over an hour, the agent seemed completely oblivious to the account and payment status. Saying that she had to do some calculations because something didn't look right. After applying the payment on the XX/XX/XXXX, I was able to determine in less than XXXX XXXX that the discrepancy was due to the mismatch in delinquency across the accounts. The majority of representatives have been rude and argumentative in nearly every interaction I have had with Discover. While yes I have been upset, not once have was I ever disrespectful toward the agents. I have spent over 15 years in customer service and for me to become upset regarding interatcations with agents, there is good reason. I make every attempt to remain professional with the agents, however when they flat out lie and are disrespectful, it is to be expected the situation will escalate. Agents should always remember the customer isn't usually upset with them, they are upset with the situation. A customer service professional should be able to de-escalate the situation. Coming back at the customer with arguements and excuses are like putting small puffs of air into a balloon until eventually that balloon just pops.
Company Response:
State: IN
Zip: 461XX
Submitted Via: Web
Date Sent: 2021-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: pened a Discover secured credit card account. I was approved and funded the card through an ACH transfer from my bank to Discover. A card is mailed to me and I am able to activate and use the card. A week/10 days in, I am asked to submit a verification document. 10 days after that, I received an email saying that my account has been closed. I called Discover to get information regarding the closure. They could provide none other than " business decision. '' I asked about recourse, next steps and why there was no adverse action notice. They had no answers other than " our current policy is not updated '' so we can not provide any information regarding the business decision. Any remaining credit balance will be mailed to me in 4 months. Why was I approved for a card and then denied with no explanation or recourse? In addition, why are they holding on to my money and collecting interest on it based upon their unilateral decision? The phone agent did indicate that I could reapply for a card. It I can reapply for a card though I suspect it would be rejected and further harm my credit score. In my XXXX complaints, Discover reviewed my complaint and cited no new information and provided no answers : They provided no adverse action notice and no justification for their decision. They must inform me of where they got their information and how it can be corrected. I received neither of those. When pressed in the XXXX complaint, Discover offered no information and subsequently the XXXX complaint was closed without resolution. They are violating FCRA as their denial of credit impacts my credit score. I have a right to know why my credit account was closed and how I can correct any errors that led to that bad decision. They do not get to have my money for several weeks while they review and ultimately cancel my credit account. As this closure negatively impacted my credit score and any subsequent attempt to reopen an account would further impact my account, they have a responsibility to disclose.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-19
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Discover calls me at least five and up to six times every single day for three months now They have changed the number they use to contact me multiple times so multiple numbers have been spam calling me and harassing me on the daily The numbers they have been literally harassing me with are ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX I am evidently a student as I have a student credit card, so they are XXXX calling me during times that are evidently inconvenient for me My voicemail is filled because of all of the voicemails they leave and I can not receive important phone calls because they spam call me This is literal harassment because they call me on multiple numbers, multiple times a day which is very illegal to do when collecting debt under the Fair Debt Collection Act
Company Response:
State: MO
Zip: 63021
Submitted Via: Web
Date Sent: 2021-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A