Date Received: 2021-05-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Ive attempted to dispute this account multiple times and they continue to say this is MY debt. I told them someone opened an account in my name and theyre still attempting to collect this debt from me.
Company Response:
State: MA
Zip: 01902
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: 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: I was Victim of Identity theft as a result several account appear in my report that are fraudulent and not mine i have send these company all document of the illegality of these account XXXX refused to removed these account from my report and continuo to report then XXXX XXXXXXXX XXXX # XXXX. DISCOVER FINANCIAL SERVICES # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX These account are fraudulent and not mine
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
Date Received: 2021-05-07
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX, I received an email from Discover, XXXX, regarding a promotional offer involving XXXX XXXX XXXX. " Get a {$45.00} statement credit when you activate this offer and sign up for a new {$45.00} XXXX XXXX XXXX membership online or in club with your Discover Card by XX/XX/XXXX. '' I ignored the email but decided to go through with the offer on XX/XX/XXXX when I received a reminder email from Discover due to the deadline approaching. Below the headline and paragraph was a link to activate the offer, which I clicked. To be eligible to receive the statement credit, you had to : 1 ) Offer valid when you purchase a new {$45.00} XXXX XXXX membership. ( Offer good when you join online or in-club as a new member. New member can not have been a member within last six months. Offer may not be combined with any other XXXX XXXX offer or promotion. 2 ) Offer excludes Plus membership, membership renewal, membership upgrades, add-ons, additional memberships, pre-paid membership or XXXX XXXX Gift of Membership. 2 ) Only memberships bought in the United States are eligible for this promotion. Only one statement credit per new primary member. XXXX and XXXX XXXX XXXX are not eligible for this offer. 3 ) Must be 18 or older to purchase a membership, and membership is subject to qualifications. 4 ) Offer eligible only if activated via the link in this email or site when you use your Discover card to purchase a {$45.00} XXXX XXXX membership now through XX/XX/XXXX. 5 ) Offer fulfilled as a statement credit within three billing cycles after the end of the promotion. In order to comply with the terms of the promotional offer, I activated the promotional offer using the link in the email I created a new email and a new XXXXXXXX XXXX XXXX account using that email to avoid any misunderstandings. I bought the basic " XXXX '' membership ( not Plus ) for {$45.00} with my one and only Discover credit card. Three billing cycles after the end of the promotion would be XX/XX/XXXX. My credit card statement typically ends on the third of every month, meaning the latest date possible I should have received the promotional statement credit would be XX/XX/XXXX. On XX/XX/XXXX, I contacted Discover through the messaging section of their app to inquire about why I hadn't received the promotional statement credit. I respectfully informed them that it had been more than 3 statement credits and that I knew of others who had received their statement credit already. Despite hearing my reasoning, the chat representative said 3 billing cycles after XX/XX/XXXX would be XX/XX/XXXX for me ( something I knew was wrong but didn't comment on ) and assured me I would receive it then. I left it at that and decided to wait until XX/XX/XXXX. On XX/XX/XXXX I once again asked why I didn't receive the promotional statement credit. The customer service representative, XXXX, asked if I had XXXX XXXX XXXX membership within the last six months If I signed up for any other XXXXXXXX XXXX XXXX membership or promotion If I signed up for Plus membership or any other unrelated membership If I purchased the membership outside the United States If I was a XXXX or XXXXXXXX XXXX XXXX associate and If I was younger than XXXX years old. The answer to all the questions was No. After a back and forth, the rep had someone look into the problem and told me to wait. 10 minutes later, she came back and said I was not eligible for the offer and restated the terms I said at the beginning of this complaint. As you can see, I violated NONE of those conditions. The only thing they said they could do was to contact their headquarters team which I agreed to do. It's been 2 days since then and I've not been contacted by anyone at Discover so I'm now filing a complaint.
Company Response:
State: NY
Zip: 10466
Submitted Via: Web
Date Sent: 2021-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Around XX/XX/27 I submitted an application for a secured credit card with Discover card and was approved as long as deposit and required documents were provided. On XXXX, I submitted my bank information for the deposit and submitted docs, rep advised that someone was going to call me at the number on my fraud alert. I told her I no longer had that # and she advised I needed to call XXXX to update and if it was done today XXXX, it would be approved an no need to reapply. I updated # with XXXX and called Discover. They only asked for my social and transferred me to another rep that pulled my credit again and denied my application due to recent inquiries. These 2 inquiries were from Discover on XX/XX/27 and XXXX. Neither of the 2 reps ( Ohio ) I spoke to on XXXX @ XXXX verified my identity and pulled my report. I would like the calls to be pulled and file a complaint. I was not advised my report would be pulled a 2nd time, just that I needed to call today to tell them my # was updated by XXXX.
Company Response:
State: MA
Zip: 01040
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: 2021-05-06
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: In or about XX/XX/2019, I notice credit was established under my name without my approval. I contested this account with the credit bureaus and the creditor stated that this account is valid. I provided the creditor a notarized affidavit and XXXX Police complaint that this account was fraudulently established under my name. But, the creditor rejected the documents. The creditor is not supporting me in this matter and it is getting quite frustrating that my life has been compromise and no matter what I do administratively, it has been denied. I want to escalate matter to show a least a face to the XXXX Police and I requested the creditor to provide identifying information from the creditor so, I can see who established the account and that information was not provided. I was informed from the agent that, my name, social security number, date of birth and address is all what is needed. Photo identification is not required to open this account. I can not afford attorney and due the claim is over {$10000.00}, I can not represent myself in this matter in court. We conclude that our mail box was compromise and while we are at work the culprit check our mail boxes for the cards and had our information to active the cards. Since then, I had place fraud alerts with all the credit bureaus that requires ID verification.
Company Response:
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
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: I have provided you all document of the illegality Of this account. Federal Trade Commission Report, Identity Theft Victims Complaint Affidavit IRS Identity theft report, XXXX County Sheriff 's Report, XXXX Police Report and XXXX REFUSE TO REMOVED THIS FRAUDELENT AND Illegal ACCOUNT FROM MY REPORT I have provided all document to DISCOVER FINANCIAL SERVICES # XXXX Of the Illegality of this account and they refused to removed from my record in my credit report
Company Response:
State: FL
Zip: 32837
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had signed up with a debt consolidation company back in 2018. Paid there fines and they had used and opened these accounts fraudulently. I signed over POA to the accounts and the company XXXX XXXX XXXX XXXX They are no longer in business and one of the owners of the company is in XXXX I am trying to get XXXX XXXX and Discover off my credit report.
Company Response:
State: UT
Zip: 84096
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I would like to request a copy of all documents verifying that I owe the debt to DISCOVER CARD, Not limited to, but including original application with my signature on it. I have on multiple occasions informed them the account was a result of identity theft, and they keep verifying the information as accurate. I have a right to request the documents they are using to verify that the account wasn't opened fraudulently.
Company Response:
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Been my credit card account and relationship with DISCOVER card since XXXX and having a cero balance with them, on XXXX they decided without a reason, as far as I know to lower my credit limit from {$22000.00} to {$10000.00} even thought I respect they decision on XXXX they closed my account and the reason that they give me was that I never reply to an email that they had send me ( to a not active email address ), they also say that they had contact me via phone and left voice mail when I don't have a voice mail set up on my phone. I have try numerous time to clarify this misunderstanding with DISCOVER without luck, even the two representatives understand the mistake and they had try to reopen the account back but the system doesn't allow it, one of the representative had told me on XXXX that I would have to re-apply again to re-open the account and since I know my credit history and relationship with DISCOVER was excellent I decided to re-apply and they denied my application. On XXXX XX/XX/2021 I was able to speak with a supervisor and she had told that she was going to check recordings from XXXX to find out If a voice mail was left on my number, If not that she was going to reopen the account for me again, she told me that she was going to call me back personally, I never here from her and after two weeks waiting from her phone call I decide to call myself to follow up and they told me that she had call me the same day and left a voice mail when I don't have voice mail set up in phone and she knows that. I was able to get transcripts from my phone company ( XXXX ) for the month of XXXX and XXXX to verify those phone calls from DISCOVER and there is NOT phone call on either month. As of today my credit history is in EXCELENT condition with a score XXXX and a credit cards limits of {$110000.00} with 14 different companies and my credit card use under 5 %, the only bad think I have in my credit history is a " closed account '' from DISCOVER, a " denial '' from DISCOVER and an " inquire '' also from DISCOVER. To me this is been a very traumatic experience that in the middle of the worst pandemic of he century this company its been giving me the running around damaging my credit history and misleading me without a reason, I feel that they are discriminating me since they having give me a reason for all this.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I applied for a Discover Card and got approved on XX/XX/XXXX. I got approved for {$1500.00}. So I received my card I was using it everything was fine until up until XXXX XXXX, XXXX when they decided to close my account due an ID Verification issue they said it was because of a duplicate social security. On XX/XX/XXXX. XXXX they sent me an email asking for that I sign over the IRS Consent Form 4506-C to them in which I did. I went on the website sent it over to them. Then a couple days later on XX/XX/XXXX Discover Corporate Security sends me a letter saying the closed my account. I called Discover to get reopened they said they cant and then gave me an excuse of a duplicate social security. They said I had to write to Discover Protection Services based out in XXXX XXXX. Name Social letter describing what issues Im having its like dont you know what going on of course they do. They just dont care about ruining peoples credit who are the bottom.
Company Response:
State: CA
Zip: 91352
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A