Date Received: 2021-04-05
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Discover card is claiming I had an account with them and they charged off {$12000.00} in 2017. I never had any account with Discover card. I have asked Discover to send me proof showing this card account is mine. My original application form to start this account, transaction history etc. I have been writing back forth with Discover card for more then one year and 3months.So far they have not given any proof to me. I have written letters to IRS, Attorney General, XXXX XXXX and Consumer Response center to resolve this problem. Again, So far Discover card is refusing to give me any proof. If they do not have any proof, they should admit their mistake and give me a cancelation of this claim and the 1099 they have send to IRS. Please contact Discover Card division and solve this problem. I have the copies all the correspondence which I have mentioned above. Thank you.
Company Response:
State: TX
Zip: 75007
Submitted Via: Web
Date Sent: 2021-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone who lives in XXXX took out an auto loan using my ss number. i live in XXXX, Il and have no knowledge of who this person is or how she got my ss number. Past Due amount is {$4800.00}
Company Response:
State: IL
Zip: 61107
Submitted Via: Web
Date Sent: 2021-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX/XXXX property show on there only statements that I over paid, my is rent is XXXX an month. Section 8 pay XXXX an month and I pay XXXX an month. According the statement issue by Colonly on XX/XX/XXXX Section 8 was paid up to XXXX of XXXX and I already paid for the month of XX/XX/XXXX and Partial of XX/XX/XXXX, so I dont understand where and why this report was made. This report was credit bureaus. Please look into this information
Company Response:
State: NY
Zip: 10573
Submitted Via: Web
Date Sent: 2021-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
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: Discover Card needs to 1. Delete any and all negative information that they posted on my account and/or in my credit file. 2. Delete all charges posted by XXXX and/or Discover Card. 3. Send me a letter that this has been taken care of as requested.
Company Response:
State: OH
Zip: 44646
Submitted Via: Web
Date Sent: 2021-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Discover used information inaccurately, closed my account I did not know about this act, triggered hard inquiry, and unapproved credit card - continue to impact my credit negatively. Detailed letter attached. XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Discover Bank Re : Discover Application # XXXX This letter is in response to your letter dated XX/XX/XXXX, which is unapproved of a small credit account. This act is purely triggered by Discover not handling my account fairly and closing. Further, misled by the representative to apply for new card. Further, your letter is degrading and adding insult to the uncontrolled situation A background, which is now necessary : I am a victim of fraud - First in XX/XX/XXXX my business in Hawaii, has been fraudulently possessed by a group of people. This is the place I had a very significant investment and this was my home, where I spent over 15 hours a day and worked hard to grow. This premise of my business had all my investment, documents, including my credit cards. This heinous act by group of people left me with nothing. Please also note that this fraudulent action have been reported to XXXX of Hawaii. Further, I have taken legal action since past 3 years against this fraudulent activity and group of people. This action is active and on and I am waiting for the justice to be served. Second - in XX/XX/XXXX during the pandemic my SSN was stolen. This scammer is still on and sending letters and calling my cell phones. It is freighting enough to deal with such horrifying act. I have notified the IRS since this day and additional authorities as well. Domino Effect of uncontrolled situations : Third : COVID-19 - As I have been working hard to restore my personal and professional life, my cash flow suddenly stopped due to COVID-19. During this time I had no choice and had to utilize my credit cards to pay for necessities. It took me 6 months to begin having cash flow. Now to answer your letter dated of Key Factors : that were obtained from XXXX XXXX XXXX as per your letter ) Credit Score in your letter credit score iis blacked out unsure what it is? ( My credit score is XXXX XXXX Your factors in unfairly and inaccurately determining and my answers : 1. Key Factor 1 % credit limit is too high on revolving accounts. ANS : Please refer to all 3 of my facts above First, Second and Third. The entire Nation was impacted with COVID-19. Many businesses closed due to this. I as a normal average human was also impacted with this. To survive I utilized my credit cards. As of today XX/XX/XXXX I have paid down this card and brought my utilization to 20 %. This is because I am committed and hard working individual, and pay attention what is and what is not. 2. Key Factor 2 Length of time accounts has been established. ANS : I began to open up account as early as 2013 onwards ; right after my graduate studies, done paying my education. 3. Key Factor 3 Lack of recent installment loan information ANS : I had invested my own funds to my own business, and did not need to borrow any loan. Please refer to my fact above mentioned FIRST 1 4. Key Factor 4 Number of accounts with delinquency ANS : FIRST and FORMOST XXXX XXXX has NONE account that is delinquent. THIS IS EXTRMELY INACCURATE. Further, there is none account delinquent in any bureau. There is one account in dispute and at Arbitration. Please refer to my facts above. This was {$400.00} balance charged on my XXXX credit card a scammer company. I provided XXXX all supportive documents. XXXX failed to protect my money and made mess in y credit. It was never delinquent. There for your assessment to my account is highly INACCURATE. 5. Key Factor 5 Number of inquiries on credit bureau ANS : Please refer to my FACT mentioned above. These inquiries are in the process of coming out of the lists. Your letter is written with inaccurate information, and reference is inaccurate as well. Discover indeed has treated me / my credit application unfairly. RESOLTION : The hard inquiry must be immediately : 1. REMOVED OR 2. FLIP TO SOFT INQUIRY To further continue to impact my credit account. This must be done immediately, without further delay. Your prompt action is required XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Discover Bank Re : Account # XXXX Further to CFPB complaint ID : XXXX, this letter addresses that my account is treated unfairly by Discover. Discover has reported since the open of my Discover account, to the credit bureaus, that my account is in good standing paid, no balance to owe, excellent payment history. XX/XX/XXXX During my call to your support centre, your representative told me that your account is good standing and keep using it. XX/XX/XXXX - I tried to use my discover card and for the small transaction of sixty dollar and it was declined. I did not understand the reason. This very day, I called your support centre to find out the reason of the declined transaction. Your representative told me Oh we closed your account. I was surprised to learn that, as I was advised in XX/XX/XXXX that my account is in good standing and I can continue to use it. I expressed my concern and that I did not ask to close the account. It is inaccurate that my account was closed as a result of review? This very representative advised me to go ahead and open up another account, with assurance tone of voice. I followed her instructions and proceeded. In next minute I was advised that no we cant proceed with new card and I cant have the credit card. This triggered a hard inquiry, that is purely misled by the Discover representative. Discover indeed has treated me / my credit application unfairly. This hard inquiry must either be : - 1. REMOVED OR 2. FLIP TO SOFT INQUIRY To further continue to impact my credit account. This must be done immediately, without further delay. Your prompt action is required. Thank you XXXX XXXX
Company Response:
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2021-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-04
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Discover collection unit keeps on calling me after I have told them repeatedly to take me off the calling list. I have nothing to do with the debt that is owed.
Company Response:
State: MD
Zip: 21740
Submitted Via: Web
Date Sent: 2021-04-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-04
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I discovered a week ago that my credit card account with Discover has been enrolled in the Payment Protection Plan since XX/XX/2011 or earlier. Charges that I had initially thought were part of the monthly interest were associated with this plan. I estimate that I have been charged $ XXXX {$5000.00} in fees plus additional interest associated with the increase in my balance on the credit card account over this period. I do not recall signing up for this service, nor would I, upon reading the terms, ever consider it. I have not been in any type of situation where I was concerned about my job security. To this point, I have not used this product a single time in the 10+ years that I have had it. I believe that the terms were described to me in a deceptive manner, otherwise there is zero chance I would intentionally sign on. I do not believe that Discover has made an honest attempt to accurately describe the service or clearly define the terms. Nor have they offered a mea culpa or fair resolution to the matter.
Company Response:
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2021-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-03
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: yes, you guys keep claiming that you guys have tried to call me for my account ending in XXXX. I never gotten a call from you guys or any voicemail regarding my fraud claim.
Company Response:
State: NV
Zip: 89122
Submitted Via: Web
Date Sent: 2021-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-03
Issue: Other features, terms, or problems
Subissue: Credit card company forcing arbitration
Consumer Complaint: Applied For Discover Credit Card To Consolidate All Credit Card Balances Because The Offer Applied - & - Approved For Was A XXXX ( 0 % ) APR Balance Transfer Interest Rate For XXXX ( XXXX ) Months Offer Including A XXXX XXXX ( {$20000.00} ) XXXX Credit Limit - & - Initiated The Balance Transfers Upon Receipt Of The New Credit Card, All Of Which Were Initiated - & - Rejected, Including A Payment From My Personal Checking Account To Satisfy The Very First Credit Card Statement Balance Received, Which Was Also Returned, Causing NSF Fees To Be Applied To The Checking Account Payment Was Submitted From, As Well As Returned Payments - & - Fees Incurred To The Credit Card Accounts The Balance Transfers Were Submitted On Behalf Of. Attempted To Contact Creditor, Whom Closed The Newly Issued Credit Card Account Involuntarily - & - Creditor Refused To Speak With Me Or Accept Any Information For Validation, Including Satisfaction Of The Credit Card Accounts Outstanding Balance. Received Correspondence From XXXX XXXX - & - XXXX, PC Today, XXXX rd 2021, Indicating That Discover Bank Has Assigned The Debt To Them - & - On XX/XX/2021, They Have Filed A Lawsuit Against Me In XXXX XXXX Supreme Court, Referencing Index No. : XXXX In The Amount Of XXXX XXXX XXXX XXXX XXXX ( {$6600.00} ) Dollars and XXXX/100 On Behalf Of Discover Bank.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-03
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: CA
Zip: 92553
Submitted Via: Web
Date Sent: 2021-04-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A