Date Received: 2021-03-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Company Response:
State: TX
Zip: 75287
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Complaint filed on behalf of my daughter a credit card holder with Discover Card.Discover issued my XXXX XXXX XXXX a card with a {$20000.00} limit -with a 20 % interest rate on reviving balance. My daughter 's income has always been around {$50.00} to {$55000.00} per year. She ran up more than {$17000.00} in charges and ignorer not to be delinquent used savings just so she would never be late with a payment. She depleted her savings. Discover recommended her to a credit counciling company -- XXXX who got Discover to reduce the interest rate to 9.9 % with a {$450.00} per month payment to XXXX plus XXXX charged her {$100.00} per month fee. My daughter has " issues '' both XXXX etc which caused her to accumulate a credit debt of {$38000.00}. Discover is complicit. They act like a " shylock '' - the only difference is they XXXX XXXX XXXX XXXX XXXX for non payment they refer you to a consumer credit agency who gets the rate lowered for a fee. My daughter was considering bankruptcy and came to me with her problem because she needed {$4000.00} for a lawyer. I squelched the bankruptcy and got involved to pay off he loans.
Company Response:
State: SC
Zip: 29910
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In mid XXXX Discover Card sent me notification via mail and phone that I was delinquent on a my Discover card and that I owed them {$9500.00} which I disputed and asked them for proof that this was my loan. Discover never provided any such documentation. The Discover hard I did have was closed with the highest balance being {$5600.00} to the best of my recollection. I pulled my credit report and did see the closed account, and also the account discover was referencing. Discover never provided me with any contract or proof this was indeed my debt, but they did add it to my credit report. In late XXXX I was issued a court summons, Discover using a private debt collection firm called XXXX and XXXX was suing me for the debit. I filed a sworn statement of denial of the debt, and asked the court to dismiss the case. While waiting for the date, XXXX and XXXX filed a motion for summary Judgement. In my response I stated this was not my debt again. When I appeared in court the attorney representing Discover called me into a room where she tried to coerce me into paying the debt. When I refused, it went before the Judge. The judge was angry at a previous case and read over mine, said I do not see any denial here and ruled in XXXX and XXXX 's favor. Over the last 8 years I have been sent repeated letters threatening action, and attempting to get me to pay for the debt. I have been unable to refinance my home, or do many normal credit related things, including help my aging mom a home recently, Also over the last 8 years as my credit began to improve Discover card began sending me pre approved credit offers to attempt to get me further into debt. The entire time they were sending letters to collect a debt on a fraudulent judgement against me and my only home. I saved over 17 pre approved credit offers from Discover card, and have XXXX of the debt collection letters one from XXXX and XXXX from XXXX. The credit offers are from various years and some were never opened. All addressed to me offering me " 0 percent rates '' and " XXXX XXXX ''. Some of the offers are even personalized inside, addressing me by name saying how Discover wants to help me. All the while they have a fraudulent Judgement against me, for an amount I never owed, that is preventing me from living my life and helping my family, We are trapped HELP PLEASE Amount XXXX and XXXX / Discover say I owe is : XXXX for account ending in XXXX. Original Judgement for XXXX ( not my debt ).
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
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: Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you instead of your attorney
Consumer Complaint: I paid off my credit card debt with Discover. Discover then sold my account from what I was told to another bank. I began getting gets calls saying I owe over {$900.00}. My spending limit was only {$500.00}. Its impossible for it to be that much. Plus, I did pay it off. My information was sold to another bank without my knowledge and contained in accurate information and in insane amount of money I actually dont owe. Im still harassed to this day from them.
Company Response:
State: IL
Zip: 628XX
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hi, There were three credit cards opened under my name that I did not open. The three are XXXX, XXXX synchrony, and Discover. XXXX XXXX is refusing to remove the closed accounts from my report despite them being fraudulent.
Company Response:
State: TN
Zip: 38104
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: the payment for XX/XX/2020 was in the pandemic for covid
Company Response:
State: CA
Zip: 93311
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I have maintained communication with this company over 5 years both during college and after I graduated. I have made payments, requested documents ect. I want to negotiate a lower percentage rate.
Company Response:
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2021-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have been a long time customer of Discover for at least years no late payments. I'm in the process of making a large purchase and reached out to my credit card company which i am in good standing with for fours and asked for an increase of my credit limit and they refused without a valid reason and when i questioned it. I was told the system makes the decision. I ask to appeal this decision because it doesn't fit my history with Discover and i was given the run around by the representative and was told i would get a call back from the manager after i let a message on XXXX and called out Discover for their algorithm discrimination practice. Discover has failed to respond to my request.
Company Response:
State: NY
Zip: 10027
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
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/2020, I placed an order XXXX for a 65 ' inch tv for a total charge of {$240.00}. When I went to pick up the item on or around XX/XX/2020 at the XXXX XXXX, the associate brought out the TV, closed out the order and when I turned around I noticed they put a XXXX XXXX TV in my car. I immediately said that was not what I ordered and requested a supervisor. A manager, came out and I explained the situation. She informed me that XXXX had been fulfilling orders and then trying to provide smaller TVs upon customers arrival because they ran out of the 65 inch TV. She immediately call the 1-800 customer service number and explained to them that she was unable to cancel the order or do a refund because the associate that brought the TV out closed out the order. After about 30 mins on the phone with them, she informed me XXXX would issue the full refund. They then removed the Tv. I NEVER left the property with the 55 inch tv. I did not see the credit 2 days later, so I followed-up with the 1-800 number and the associated assured me the credit would be forthcoming. Still no credit on Thursday, so I called again and they again assured me the credit would appear on my Discover account on Friday. That never happened. They also assured me, multiple times, they would forward me an email with proof the refund was being processed, and that did not happen either. I called XXXX. I have no paperwork to provide as all calls by me and the manager at XXXX XXXX were done by phone to the customer service number. XXXX own paperwork submitted to you shows they gave a credit of {$100.00}, because they were trying to do a bait and switch with a different size tv, and even that credit was never credited to my Discover Card. They could view their own security tapes and see I never left with a 55 inch TV as that was not what I ordered and I was not going to take it and was assured the credit would be provided. I continue to dispute this charge as I did not leave the store on XX/XX/2020 with the product. This entire charge was disputed with Discover, however, the sided with XXXX because XXXX showed the order was placed, which it was, and picked up, which it wasn't but because the kid that brought out the TV clicked it before I got to check the item, the system did show I picked it up which is why the manager came out and called the 1-800 to start the return ( and apparently has never been completed by the 1-800 customer service ). Now I am fighting with Discover to take off the {$100.00} overcharge that even XXXX submitted on their dispute paperwork showing the whole charge should have been {$140.00} due to their attempted bate and switch. Attached is the order showing the total charge was adjusted {$100.00} to {$140.00} because of the attempted bait and switch, XXXX 's own paperwork showing there should have been a {$100.00} credit applied to my credit card, and the ads from XXXX showing what the cost of each TV was.
Company Response:
State: IN
Zip: 46235
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A