Date Received: 2021-05-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have to 2 credit card accounts opened on my credit file fraudulently I have been goin back and fourth with XXXX for 9 moths the other credit bureaus XXXX and XXXX removed the fraudulent files ... XXXX keeps staying its accurate but when I contacted the original lenders they cant even prove my identity. The accounts was opened online they stated and didnt have much of my accurate info so thats why its fraudulent opened accounts ... Please this has been dragging my credit score up and down thru the mud its already bad we are in a pandemic please help me
Company Response:
State: FL
Zip: 33157
Submitted Via: Web
Date Sent: 2021-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-16
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: XXXX IS REFUSING TO EXCEPT ANY PROOF OF POLICE REPORTS AND COURT DOCUMENTS AND MEDICAL RECORDS SHOWING THAT XXXX XXXX AND DISCOVER CARD ARE FRAUD ACCOUNTS! THEY HAVE VERIFIED ALL DOCUMENTS AND STILL WANTS BLOCK THOSE ACCOUNTS AND DISCOVER CARD WAS SUED IN XXXX COUNTY COURTS AND NEVER SHOWED UP FOR COURT AND BOTH LEGAL TEAM FOR DISCOVER WERE SERVED. IM A RETIRED XXXX XXXX AND THEY CLEARLY DONT CARE AND REFUSING TO SHOW PROOF OF THE FRAUD RECORDS BUT THEY KEEO SAYING ITS MY ACCOUNT! XXXX SPECIAL HANDLING DEPARTMENT GIVES DISCOVER EXTRA TIME TO RESPOND AND NEVER SHOW PROOF TO ME THE CONSUMER WHO IS BEING DONE WRONG. THEY ARE CLEARLY ARENT GOING BY THE FAIR CREDIT ACT. NEXT STEP IS FILING SUIT AGAINST XXXX JUST LIKE I WON AGAINST DISCOVER CARD.
Company Response:
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2021-05-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Re Account : XXXX Discover Bank listing negative to the three major credit bureaus ( XXXX, XXXX XXXX, and XXXX ) regarding the above referenced account. The reports are inaccurate. I have contacted Discover via certified mailed, discover failed to produce any supporting doc. NO doc received from Discover.
Company Response:
State: NY
Zip: 11238
Submitted Via: Web
Date Sent: 2021-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-15
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 prepaid for a months at the extended stay to receive a discount. None of the hotels description matched the actual hotel including website and ratings. upon arrival I was told there were no rooms available and the one would be a XXXX upcharge. I was also asked to come back at XXXX for my room, the front desk closed at XXXX. I was not shown my room before hand I was just given a key. There were no amenities that were advertised included ( pots, pans, kitchen utensils ). The room had bugs, stove did not work and was unsanitary, I stayed two nights and left when I was very concerned for my safety. This included another guest informing me the place was a known XXXX, homeless and XXXX spot. I am a small women traveling alone. When I left I contacted both the hotel and discover several times asking for a full refund due to the money I spent having to wash all my clothes and buy sheets and a blanket. I was denimed. Discover admitted the rooms looked nothing like the website and the whole thing was false advertising and fraudulent but told me that if the extended had a room available, they were allowed to charge me even if I provided proof I had left the hotel.
Company Response:
State: IL
Zip: 61822
Submitted Via: Web
Date Sent: 2021-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer 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 XXXX. Please remove from credit bureaus.
Company Response:
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2021-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-15
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: On XX/XX/2021 I received an unsolicited solicitation for a student loan. This mailing contained NO INTEREST RATE information other than " no payments until after graduation ''. This appears to be fraudulent scam mail, and I believe it is illegal. I will NOT respond, of course, so I have no account with this business. If it is not illegal to entice and entrap consumer students in this way, it should be illegal! I will be contacting my XXXX Representative with this information. The source was : DISCOVER Student Loans, Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX
Company Response:
State:
Zip: 875XX
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: 2021-05-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: A woman called me on Tuesday, XX/XX/2021 and claimed that there was a sealed Federal Indictment against me. She claimed that I had been contacted by mail already ( of course I had not been ) and that I needed to write down and call a number she was going to give me. I explained that I was not able to write a number down at that moment, I had not received any complaint in mail and that she must be mistaken as I hung up the phone. She immediately called back. She was agitated and told me that I was rude to hang up on her. I explained that I was busy and could not write down a number and hung up the phone again. During one of these insane exchanges I suggested that she call me the following day when I would be in the office. She wanted to know what time to call which I said " this time XXXX about XXXX XXXX should be good. '' Once we ended the call she immediately called right back. Between XXXX XXXX and XXXX she called my cell phone 11 times. The phone number showed up as a series of " XXXX 's '' or " Unavailable '' on my phone. ( Of course my original thought was that is was another robo call. ) She told me she would continue to call every 30 seconds until I took and called the number she wanted me to write down. I was furious at this point. My client wasn't happy that my attention was on this call and not him and his wife. I was trying to be professional and not answer phone but the woman would not allow me to focus on my job and was insistent that I attend to her tantrum. Before I continued my meeting, I called the number ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX and gave the gentleman on the phone the case number that the threatening woman had me to write down. These people are harassing me over a Discover Card debt that is well past the Statute of Limitation. The man on the phone made sure I knew that he knew my Social Security Number and the name of the county I lived in. He told me that there would be legal action taken against me that would lead to a lien on me. During the exchange with the man on the phone he did not tell me the amount that he had hoped to be paid, suggest a settlement or even acknowledge that the debt was indeed decades old.
Company Response:
State: TX
Zip: 75020
Submitted Via: Web
Date Sent: 2021-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: There is a late payment from XXXX or XXXX of 2019 showing on my credit report from Discover. I was set up for autopay on my account and when logging into the discover app, it showed my payment had been made successfully and did not show me any issues with the payment. I did not realize there was any problem until after they reported it to the credit bureau. Once I was made aware of the late payment reporting on my credit report, I promptly fixed the banking information and paid off the account. If discover had reached out to me and let me know there was an issue, this would have been resolved much sooner. Instead, they kept trying the same payment information for 2 months without informing me the payments were not going through. When I call discover and ask them to remove this as this was their fault, they tell me to dispute it with the credit bureaus and they will remove it. However, each time I dispute this 30 day late showing on my credit report, they dont remove it like they promised. This single late payment showing up is keeping me from obtaining a mortgage.
Company Response:
State: IA
Zip: 50131
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
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: On XX/XX/XXXX, XXXX talked to a person by name XXXX fraud Discovercard fraud division in dispute of charges made by XXXX in the amounts of {$14.00} XXXX made on XX/XX/2020 ) {$1.00} XXXX made on XX/XX/2020 ) and {$13.00} XXXX made on XX/XX/2020 ). Total of that those fraudulent charges was & XXXX. I deducted that amount from the total charge and paid the remaining amount on a due date. Discover instead of charging back those fraudulent charges, charged me {$5.00} interest on those fraudulent charges. today when I attempted to dispute those charges by talking to another person from the fraud division in XXXX by name XXXX, and another fraudulent charge made in the amount of {$110.00}, by XXXX with whom I do not have any relationship whatsoever and did not purchase anything from them. Again did not get any assistance in that fraudulent transaction. It appears that Discover card allows all types of fraudulent transactions to be charged to my account.
Company Response:
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have been trying to have a kind of Loss Mitigation alternative for my Discover Credit Card since hurricane Maria, back in 2017. They have no alternatives available at all! They just deferred some of my payments but charged me high interest fees. I continued my paynents with a lot of struggle. My minimum payment is almost a car payment. {$350.00} and I stopped using the card for years.
Company Response:
State: PR
Zip: 00953
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A