Date Received: 2021-04-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have sent letters to Discover Student Loans in XXXX and XXXX of 2020 detailing the ruling from XXXX 's accrediting agency the XXXX that XXXX has engaged in a pattern of " fraudulent communications '' with myself and my brother XXXX XXXX. All loans are in dispute. An attorney at the law firm we hired has been XXXX, with the NV bar stating that prosecutions are imminent. Discover has not responded to any of this information, and instead stated today via email that the loan will be charged off, and I will be having my credit score affected along with them seeking out collections against me. XXXX is acting criminally against state and federal law and as a low income college student I am being exploited with the laws of America being violated. Discover Student Loans needs to be audited and investigated for assisting XXXX in these crimes against me.
Company Response:
State: NM
Zip: 870XX
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: While checking my credit report, I notice an account from Discover Financial SVCS LLC that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. As of today, they are still reporting negatively on my report. I also sent certified letters to the three credit bureaus, along with my incident report, asking them to verify or remove the negative report on my credit report that Discover Financial SVCS LLC is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Company Response:
State: FL
Zip: 33029
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The companies involved are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and Discover Home Loans. These companies have consistently charged me for FHA Mortgage Insurance over the course of my mortgage loan servicing that is different than the agreement we signed and the closing documents. They have ignored the loan closing documents and applied methods not specified anywhere my loan closing documents and in fact their methodology has resulted in FHA Insurance Premiums that are more than {$9000.00} higher than either amortization schedule ( provided shortly after closing ) or FHA Insurance Premium documents ( included in my loam closing documents ). I believe these overcharged fees are excessive, illegal and a violation of the mortgage loan closing agreement! XXXX XXXX 's response indicates that they do not care what the loan closing documents say. In fact, their response spelled out a method that was not mentioned or included in my loan documents. They refused to clarify why my loan documents said one thing, yet they consistently do something else every month when they charge my account! This mortgage loan was originated by Discover Home Loans in XXXX and sold the XXXX XXXX ( XX/XX/XXXX XXXX, who serviced it until XX/XX/XXXX. XXXX has been servicing this loan since XX/XX/XXXX.
Company Response:
State: AL
Zip: 35242
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
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 am soliciting your assistance to put an end to Discover credit card 's illegal and unfair credit reporting practices as they are impacting me directly : There was an erroneous charge to my Discover credit card. My balance was {$0.00} at the time of the charge and I had no balance due. I was not made aware of the charged item until I received notice that My FICO had dropped nearly XXXX points as a result of a negative reporting from Discover. Because I had no balance due, as with most of my credit cards, I never stopped my busy life to review what should have been a {$0.00} balance monthly statement. Discover maintained they could not remove the late until the vendor acknowledged and corrected their mistake. Subsequently, the vendor acknowledged their mistake and reversed the charge. I followed up with Discover only then to be told by supervisor, ( insert name here ), they would reverse the late fee, but not the reported late payment to the Credit Bureaus that was destroying my credit. They maintained that the erroneous charge is not their fault, so they are not compelled to correct the record. Because of Discover 's purposed negligence and FALSE REPORTING, my current refinance is costing me thousands of dollars more. Please advise me on how to recoup my financial losses, current and projected, caused by Discover 's False Reporting. Please advise me on all of my legal remedies to force Discover to correct the record. Please advise me on all of my legal remedies to force the credit bureaus to remove the negative item from my reports without adding a dispute to my record even with Discover not currently following the law. Most appreciatively, XXXX XXXX
Company Response:
State: CA
Zip: 91766
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts have been sold. As to knowledge, I am no longer liable for the alleged debt, and no written communication, contract, or signature. A bill without a signature does not indicate that the debt is valid, and anyone may file a bill and claim ownership. I don't owe this debt, Please be aware this is an attempt to a violation of the FDCPA. The section 807 ( 8 ) it state if you can not validate the debt, you must request all credit reporting agencies to delete the inaccurate information from my credit report IMMEDIATELY!
Company Response:
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/XXXX I sent certified mail legal documents including a letter of Administration and a certified death certificate to Discover Bank. I had called their beneficiary care dept. and was told the XXXX. XXXX was XXXX, XXXX XXXX XXXX, UT XXXX. They signed the return receipt on XX/XX/XXXX. When I called on XX/XX/XXXX, the same dept told me the P.O. box number was wrong, and they can't locate the letter. My point is someone signed for the certified mail envelope, what is their policy for mail sent to them with a wrong Box # on it? Why don't they refuse to sign for it, and return it? I of course, believe they do indeed have it, and like any Bank will do anything they legally can to delay money being sent out. How is this legal?
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: On XXXX, I was pre-approved for a credit card with Discover. After applying, they pulled my credit report ( from XXXX, perhaps others ) but I was not immediately approved. On XXXX, I was approved for a credit card with Discover after they finished verifying my identity by calling me ( credit limit : XXXX XXXX ). On XXXX I received an electronic IRS Form 4506-C requesting tax returns ( XXXX ) for XXXX and XXXX Note that the email i received for the XXXX stated that " Discover Financial Services requires your consent to receive tax information from the Internal Revenue Service ( IRS ) to verify information on your account. " -- this would be for verifying information they already have about me : name, SSN, address, phone, income. Since identity was already verified in order to open the account ( name, SSN, address, phone ) via my credit report and calling me, this only leaves income. The email noted that " a temporary hold has been placed on [ my ] Discover card account '' and instructed for me to provide my electronic consent " within 5 days '' or my account would be closed. ( which would negatively impact my credit report ) On XXXX after receiving the form I called the provided number ( XXXX ) for Discover Customer Protection Services Since my identity had already been verified when I was approved for the card ( called me on the provided phone number, pulled credit report and matched addresses / phone numbers etc ) this form must have been to verify my stated income. On the application, I stated my current annual income, which has drastically changed since XXXX. Therefore, the XXXX tax returns would not provide any useful information ; on the contrary, they would likely bring up a discrepancy between stated income on the application vs the returns. On XXXX during the call I informed the representative of this ; they responded repeatedly that it would not be an issue. I asked for an email confirming that it would not be an issue, but they were unable/unwilling to do so. At this point I asked if the rep 's supervisor might be able to, upon which I was transferred to their supervisor. I repeated my concerns to the supervisor ; she was unwilling to answer whether or not this would be an issue. According to her, in the past, there have been cases where customers consented to disclosing tax returns and then had their accounts closed without an opportunity to provide alternate documentation. I expressed that I wanted to avoid this ( as it would unfairly reflect negatively on my credit report as account closed by guarantor ). I asked for alternative methods of verifying income. ( XXXX XXXX, XXXX tax returns, paystubs, banks statements, signed form, etc ) including a XXXX tax return via the same Form XXXX on paper, consenting to disclosing XXXX tax returns. IRS Form XXXX says that it " must be received by IRS within 120 days of the signature date '' which leaves plenty of time for me to file my XXXX returns ( due XXXX ) and for XXXX to request it from the IRS. I offered to have them leave the hold on my account until they were able to complete verification. However, the supervisor informed me that they " must '' complete the process withing 42 days of starting the verification process -- ( XXXX -> XXXX ) which conveniently brings them to 1 day after the deadline for filing XXXX tax returns. I brought up that exactly 42 days seemed like an odd time-frame. The supervisor informed me that I would have go " find out '' if Discover would offer me alternative methods of proving my income after consenting to release my XXXX tax returns ( which would not help verify anything ). She advised that I close the account and reapply towards the end of XXXX, when they would probably be accepting XXXX tax returns to verify income via XXXX. I closed my account on the call. No other creditor has asked requested my tax returns, and I have other cards with significantly higher credit limits than XXXX USD. Discover also failed to provide a privacy policy of any sort stating that my tax returns would only be used for verification of the information they had on file as of XXXX and for no other purpose. In summary, due to a combination of ( 1 ) Discover 's negligence to verify income before approving me and ( 2 ) their disregard for privacy in requiring disclosure of tax returns irrelevant to verifying income ( or anything else ) while refusing alternative verification methods, I have been forced to close my newly opened account, which still unfairly negatively reflects on my credit report ( conventional scoring models such as FICO 8 use average age of accounts, # of new accounts, etc as significant factors ).
Company Response:
State: IL
Zip: 60607
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid of most of my credit card a nd a few days later they put in a late fee on my account
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Me and wife are joint account holders on Discover credit since XXXX with my wife XXXX XXXX being primary card holder. We had signed up for automatic full payment from our bank account. We were supposed to get new credit card in XXXX/XX/XX/XXXX which we never received. In XXXX we received huge number of fraudulent charges from out of state amount to more than XXXX. We called customer service, reported we never received card and reported the fraud charges. Please note we typically do not charge more than $ XXXX {$2000.00} on this card per month. To our amazement, discover still pulled about XXXX from our bank account on XX/XX/XXXX. When I called again, I found out they had not flagged all the transactions that I reported earlier as fraudulent. I requested the statements to be mailed so that can again pin point what transactions are still fraudulent. Upon receving the statement I called again and very specifically pointed what were fraud and what are legitimate. After about a month I called again to request refund of the overpayment that was showing as negative balance ( little over XXXX ). I was told request has been made and since amount is more than XXXX it will require couple of weeks for approvals. More than 2 weeks passed so I called customer service again today on XX/XX/XXXX. Customer service forwarded to fraud prevention who then forwarded me to investigation department. I spoke to lady named XXXX who said since matter is still under investigation, they can't issue refund. I told her I had reported those as unauthorised charges before the statement was generated and that they should have never pulled from my bank account to begin with because accordign to our card holder agreement we do not have to pay disputed charges till investigation is complete. They already violated the agreement by pulling the money and now they are delaying the refund. When I said that XXXX said I am not the primary card holder and that she will need to speak to my wife. So I called my wife at work and conferenced her in. Then she said she can't trust because she did not initiate the call. I then told her then to call her directly. She agreed however according to my wife she never called her again. This is not only poor customer service but violation of card holder agreement and unauthorized debit from my bank account. I thought of calling again and speaking to a supervisor. Upon explaining the whole situation, supervisor still said the same thing that they can ; t refund till investigation is complete. Clearly she did not understand the issue here. DISCOVER should have never pulled payment from my account when fraud was reported, now I have been out of money for nearly 4-5 months on fraudulent charges that credit card issuer is supposed to protect us. This matter needs to be investigated because it clearly does not seem to be right.
Company Response:
State: CA
Zip: 94582
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: On XX/XX/2021, I applied for a Discover It card using a referral code from my brother in law. I then received the card on XX/XX/2021. I attempted to activate it per the instructions mailed with the card, but was told that I would have to call to activate. Once I called the listed phone number, I was told to upload 3 bank statements and sign a document ( 4506 C ) to verify the account. I did as I was instructed. On XX/XX/2021, I received an email that said Discover needed to speak with me about important info for my account. I called and was told that only 2 bank statements were actually received even though I made sure to upload three. I uploaded the remaining statement as instructed. I then received an email on XX/XX/2021 that notified me that Discover had closed my account effective immediately due to Discover being " unable to verify personal information '' on my account. I have not received any more explanation as to why the account was closed.
Company Response:
State: NE
Zip: 691XX
Submitted Via: Web
Date Sent: 2021-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A