Date Received: 2021-03-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This collection agency is attempting to sue me and collect on a debt that was a result of fraud. I notified them of this on multiple occasions both in written and in verbal form. Additionally, this collection agency is using XXXX tactics such as 1. contacting me during all hours of the day and night. 2. The acts of this collection agency interfered with the quiet enjoyment of my property 3. Not notifying me of this debt in a legal manner. 4. Harassing me at my place of employment sending letters and making phone calls to my job forcing me to get have to leave my place of employment.
Company Response:
State: NY
Zip: 11224
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Did Not authorize companies for inquiry and do not recognize companies XXXX XXXX XXXX XXXX Companies Inquiry date : XX/XX/2020 XXXX
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Discover has been garnishing my paychecks illegally. I have a judgement that I never got serve papers for. I have contact them multiple times and they haven't done anything to settle this issues. I have encloses proof of them violating 15 USC 1692 laws.
Company Response:
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
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: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
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 had fraudulent activity that occurred on my Discover card, I called Discover as soon as I noticed the charges and disputed them. During my first phone call they advised me I did not have to file a police report. After their investigation they did not deem it as fraud because the charges were spent at stores that I had previously purchase items at. This went on for six months starting in XXXX when the fraudulent charges began. Discover Unwilling to re-review and remove these fraudulent charges unless I have a police report. I reached out to the police and they said the camera footage from the stores the purchases were made or not kept for that amount of time. So now Im stuck paying for charges that I did not make and discover will not do anything about it
Company Response:
State: AZ
Zip: 85140
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Unauthorized phone transfers. Unauthorized charges. I will fax supporting documents ( statements ) with checked fraudulent transactions.
Company Response:
State: VA
Zip: 22203
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
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 reserved a car online through XXXX. My Discover credit card was used to secure the car. On XX/XX/2020 I went to pick up the car that I reserved through XXXX. the vendor, XXXX XXXX, told me that they can not rent the car to me, without explanation. I contacted XXXX to let them know what happened and they said they can't refund me even though I did not receive the car. I then contacted Discover Card when the charge appeared on my statement and explained several times that I never received the service that I paid for, a rental car. They, Discover, are only relying on the merchant, XXXX, information. However the merchant can not substantiate that I received the actual service. I have been disputing this charge since XX/XX/2020. We are at an at impasse.
Company Response:
State: NY
Zip: 11217
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/XXXX Dear Sir/Madam I am a victim of identity theft. I recently learned that my personal information was used to open an account at Discover Financial Services LLC. I did not open or authorize this account, and I, therefore, requested that it be closed immediately. I also requested that Discover Financial Services LLC absolve me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files. However, I received the letter on XX/XX/XXXX where it was said that Discover Financial Services LLC refuse to close this account and told me that this account belongs to me. After that, I sent to Discover Financial Services LLC all additional documentation as supporting evidence such as Copy of identity theft Report. Copy of old NY State ID. Copy of Passport. Copy of electricity bill ( proof of address ) Copy of XXXX. Copy of XXXX. FTC Notice to Furnishers of Information. And I asked again to remove this fraudulent account. However on XX/XX/XXXX I received another letter from Discover Financial Services LLC where it was said that after the second investigation they concluded that this account belongs to me despite all documentation as supporting evidence. The letter also states that the credit card was sent to XXXX XXXX XXXX # XXXX, XXXX XXXX, NV, XXXX. However, I have never been a resident of XXXX XXXX and have never lived at the listed address. This account was opened in XX/XX/XXXX while I was on the territory of the XXXX XXXX. My entry into the United States is listed on XXXX XXXX ( XX/XX/XXXX ). The document XXXX contains a stamp on which the date ( XX/XX/XXXX ) is indicated before which I could not enter the United States. For your information, my social security number had many open bank accounts that were successfully closed because they were fraudulent except for this one - Discover Financial Services LLC. Their investigative department insists that this account belongs to me despite all the evidence and all the documents I have provided to prove otherwise. At the moment I have lost all hope and do not know how to resolve this current situation. Due to a very low credit score, I can not live a normal life. I can't even afford to rent a house because I get a refusal from all landlords. Please, I am asking for your help.
Company Response:
State: NY
Zip: 10456
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-20
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: I rented a car with XXXX rental car on promotion as a traveling XXXX worker the promotion was 400.00 for a total of 493.00 I had the car for 2 months after doing a extension it equal out the I had it for 2 months and like 4 days. The car was returned in brand new condition with a full tank of gas. The company charged my card for over 3500.00 and submitted falsified information to discover as my total shouldve been about 1175.00 at my daily rate per my signed contract that I thankfully took a picture of I have sent a complaint over to the XXXX and they agreed to take off about 1000.00 which is still a inflated price as they over charged without giving me my discount that I agreed upon. Discover has closed my account as i refused to pay those inflated rates that not what I signed for. My credit score plummeted and I have a bad outlook now because of it. Discover has refused to accept my signed contract and faxes stating they dont see it on the attached photo.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-20
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: Discover is claiming that I voluntarily enrolled in their " Payment Protection '' back in XX/XX/XXXX when I first signed up for my card via online. I can confidently say I have never consented to this " benefit '' and was requesting documentation of my disclosure when I first signed up for their card when they were offering this. I spoke with multiple Discover representatives on XX/XX/XXXX and they stated that this " Payment Protection '' plan was a benefit that used to be offered, but is no longer offered to new customers. They did not provide a date when Discover had stopped offering this benefit to new customers. Seeing as though this is something that is not offered anymore, but used to be offered in the past, I requested documentation of my enrollment and consent for this benefit. One supervisor representative in UT ( via phone call XX/XX/XXXX approx. XXXX CST ) stated that they have record of my online Discover application from XXXX. I requested proof of this application or any proof that would have indicated that I voluntarily accepted and consented to having this benefit charged to my account. They denied this request. As a customer, I believe I am entitled to enrollment documentation. I have been charged for this benefit I have no proof of consenting to for 10 years and accrued charges on that I never enrolled in. If there is no proof of my voluntary enrollment of their " Payment Protection '' then I would conclude this as a deceitful practice which resulted in unauthorized charges.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2021-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A