Date Received: 2021-05-10
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I sent a letter to XXXX and I asked them to verify how they got there information to list on my credit report. They sent me a letter stating that they got there information from XXXX consumer center. Therefore, I sent a letter to XXXX and upon them looking at my report they have removed this information that they were reporting wrong. I will attach the letter from them and I hope that you all will follow there lead. I hope that you don't send me a letter back claiming that you all got this information from pacer or the courts because I have also attached letters from them. I also attached the letter you all sent me claiming that you got your information from XXXX.
Company Response:
State: MI
Zip: 48174
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/2021 There is a scam transaction of {$1000.00} from my account. I called my back but they are not able to refund this amount to me.
Company Response:
State: VA
Zip: 20112
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : DISCOVER FINANCIAL SER XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX, XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXXXXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX
Company Response:
State: CT
Zip: 061XX
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: In XX/XX/XXXX Discover XXXX XXXX sent out a promotion that if we were to buy a new XXXX 'XXXX XXXX Membership that the {$45.00} cost would be reimbursed on our account, so we would essentially be getting the first year free with a XXXX XXXX XXXX Membership. My spouse and I discussed the promotion and decided we would do it for the year to see if the membership is worth it for us because it would essentially be free. On the email it said something about activating the Promotion. That same month XXXX XX/XX/XXXX XXXX, we sent a request to Discover through their app. Here is the conversation word for word : Us : " Hello, I got an email about a promotion for XXXX XXXX membership and I don't know how yo ( sic ) activate it. It said it was valid until the end of the year. '' Discover : Hi, this is NAME in XXXX. I am so sorry for the delay in responding to your message. Congratulations on receiving teh email promotion for XXXX XXXX XXXX All you need to do is purchase the XXXX XXXX XXXX membership using the Discover card and the {$45.00} statement credit will be added onto the account within 1-2 billing cycles after XX/XX/XXXX. '' We proceeded to purchase the membership on XXXX XXXX, XXXX ( still within the promotional period ) and waited for the statement credit 1-2 months later. It's now been over 4 months and we still received no promotional credit. We contacted Discover this morning, here is the conversation : Us : " I never got a promotional credit after a purchase. '' XXXX Responding to their Virtual Assistant ) Discover : " Hey NAME! This is NAME in Delaware Thanks for messaging with me today! I understand your concern on the {$45.00} statement credit. I just checked the offer it says 3 billing cycles after the promotion ends. One moment I will review your account. '' Us : " Thanks for checking '' Discover : " Thanks for you ( sic ) hold. What date did you make the purchase? '' Us : " XX/XX/XXXX '' Discover : " Great give me a few minutes I am reaching out to another department. Be with you shortly. '' Us : " Thanks '' Discover : " Thanks for your wait! I'm sorry. The ( sic ) did say it did not post due to it did not qualify & you can review the terms and conditions in the promotion email. Any other questions? '' XXXX : " No, I never saw that. Also, I verified with NAME before I purchased it that I was qualified? You can see that in the above messages Also, I don't have the promotional email because it was 5 months ago? '' Discover : " Thank you for your patience, and I do show the messages above, however I do apologize, as we are unable to adjust the missing statement credit, and I would like to issue this complaint to my headquarters, advising that you did not receive your statement credit for the promotional offer you had received. I do apologize for any inconvenience this may cause you. Was there anything I may further assist you with? '' Us : " So does that mean I don't get the credit ever? Or will it be issued in the future? '' Discover : " As of this moment, we will not be receiving the Statement Credit for the promotional XXXX 's XXXX offer that was taken advantage of back before XX/XX/XXXX. Again, I do apologize for any inconvenience this may cause you, and will be issuing a complaint to my headquarters. Did you have any questions or concerns I may further assist you with? '' Us : " Yeah you haven't resolved the issue. I have it in writing that I would be receiving this credit and you didn't grant it. Submitting this to headquarters doesn't resolve this. Who do I need to talk to get this taken care of? '' The conversation continued on stating that they " aren't able to see which ones XXXX terms XXXX weren't followed. '' Ultimately, we called and spoke with Discover over the phone and asked for a resolution. They stated that on the email there was supposed to be an " Activate '' button that would apply the promotion to our card. However, we didn't see that button in the email, which is why we reached out to Discover in the first place. When we reached out, we were told that the only thing we needed to do was to purchase the XXXX 's XXXX membership with our Discover card and the statement credit would be applied. Now, Discover refuses to give us the credit because we followed the advice of one of THEIR employees.
Company Response:
State: UT
Zip: 84097
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have a bank account with Discover bank and applied for a credit card. I was approved for {$10000.00} but they were unable to verify the tax form I was filling out online. I was not able to access the card, use card or access card online. Now, Im receiving notice of a {$1500.00} balance. How can I have a balance when I am not able to use the card until you could verify, which never happened?
Company Response:
State: FL
Zip: 32566
Submitted Via: Web
Date Sent: 2021-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: They contacted me and identified the debt amounting to {$200.00} and I never received information to verify and validate the debt.
Company Response:
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2021-05-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was checking my credit at my broker 's home because I want to buy a house and I noticed that there are multiple erroneous accounts reporting on my credit profile that I did not authorize. I was a part of a data breach and my personal identifying information was compromised. The accounts and inquiries that are fraudulent are listed below : Account Name : Discover Bank Account Number : XXXX Amount Owed : {$500.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$470.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Amount Owed : {$800.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Amount Owed : {$700.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Amount Owed : {$340.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount Owed : {$2000.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Amount Owed : {$900.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Amount Owed : {$0.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Amount Owed : {$290.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Amount Owed : {$490.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2021-05-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: hi Discover ; I been trying to contact you guys because there is an account under my name and credit report that I'm unaware of and i need this delete and permanently removed from my credit. I never authorized nor signed nor give any consent to be added. I'm not liable for this account and i need this removed. delete now.
Company Response:
State: MA
Zip: 02119
Submitted Via: Web
Date Sent: 2021-05-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: We started receiving calls from Discover Financial Services, which we did not answer as we were suspicious as to authenticity. We are Discover customers and when they do contact us they leave a message, email, and/or text ( regarding suspicious activity. ) On XX/XX/2021 my wife took a call from them. They are seeking to speak with our adult son who does not live in our home. We took the message that they want him to call. Discover continued calling, usually several times a day. Since speaking with them on XX/XX/XXXX, which was two weeks ago, they have called 49 times, including three today ( XX/XX/XXXX ). I spoke with them, advised them we had spoken to them on XX/XX/XXXX, advised that they should not be calling and not to call again. Our telephone service maintains a log of calls, so I have a record of each call received. They never leave a message.
Company Response:
State: CA
Zip: 91505
Submitted Via: Web
Date Sent: 2021-05-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I WAS VICTIM OF IDENTITY THEFT AS A RESULT OF THAT ACCOUNTS WERE OPEN UNDER MY NAME THAT ARE NOT MINE AS FOLLOW DISCOVER FINANCIAL SERVICES # XXXX ....
Company Response:
State: FL
Zip: 32837
Submitted Via: Web
Date Sent: 2021-05-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A