Date Received: 2021-03-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Since in the previous response ( XXXX ) the company did not provide me with the documents that I requested, please draw your attention to my complaint again. In the previous letter I was not provided with any of the documents that I requested. There is an unknown charge-off on my credit reports. Im requested the verification of the charge-off and the method of verification. DISCOVER BANK. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
Company Response:
State: NY
Zip: 10461
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My Discover Fin Svcs card is currently reporting to all credit bureaus as late as of XX/XX/2018. I have always paid my bills on time and this card was not 30 days late then, so I don't know why it is still reporting as late for that month. This has been very damaging to my credit for over 2 years now. Over the past 2 years, I have called multiple times to Discover and tried to get this situation remedied but I get thrown into an infinite loop with them telling me it is too late, they can not fix anymore, " it was late, '' etc. I still have always remained loyal as a customer to Discover and paid on time always, even though they have been hurting me for a long time now due to this. It is very unfair for the account to be shown as delinquent when it was never delinquent to begin with.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX I found an unauthorized inquiry on my credit report. On XX/XX/XXXX I mailed a letter to dispute inquiry with Discover, however I never received a response.
Company Response:
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: Discover Bank and it's affiliates ostensibly and according sworn declaration, on XX/XX/XXXX regarding attempted actions declared a male voice was heard. This barbarically insensitive & scurrilously sickening depiction and characterization of what this process server claims or thought they heard, is an outrageous violation of todays accepted sociological, legal, political and ideological standards of practice. Many transgender people suffer terrible discrimination from obtuse and small minded people who pigeon-hole them into compromising portrayals due to the sound, tone and/or inflection of their voices. Many are ostracized as outcasts because they have a male voice. Indeed, no one in todays world can make a statement such as a male voice was heard because there is no way to respectfully, correctly and irrefutably ascertain what gender someone is by the sound of a voice, particularly if they can not see, nor are in the presence of, the person that is being voice-labeled. The president issued an Executive Order prohibiting this type of behavior, in pertinent part : Executive Order on Preventing and Combating Discrimination on the Basis of Gender Identity or XXXX Orientation. XX/XX/XXXX Presidential Actions By the authority vested in me as President by the Constitution and the laws of the United States of America, it is hereby ordered as follows : Section 1. Policy. Every person should be treated with respect and dignity and should be able to live without fear, no matter who they are or whom they love. Children should be able to learn without worrying about whether they will be denied access to the restroom, the locker room, or school sports. Adults should be able to earn a living and pursue a vocation knowing that they will not be fired, demoted, or mistreated because of whom they go home to or because how they dress does not conform to sex-based stereotypes. People should be able to access healthcare and secure a roof over their heads without being subjected to XXXX discrimination. All persons should receive equal treatment under the law, no matter their gender identity or XXXX orientation. These principles are reflected in the Constitution, which promises equal protection of the laws. These principles are also enshrined in our Nations anti-XXXX laws, among them Title VII of the Civil Rights Act of 1964, as amended ( 42 U.S.C. 2000e et seq. ). In Bostock v. Clayton County, 590 U.S. __XXXX XXXX XXXX XXXX, the Supreme Court held that Title VIIs prohibition on XXXX because of... XXXX covers XXXX on the basis of gender identity and XXXX orientation. Under XXXX reasoning, laws that prohibit XXXX XXXX including Title IX of the Education Amendments of 1972, as amended ( 20 U.S.C. 1681 et seq. ), the Fair Housing Act, as amended ( 42 U.S.C. 3601 et seq. ), and section 412 of the Immigration and Nationality Act, as amended ( 8 U.S.C. 1522 ), along with their respective implementing regulations prohibit XXXX on the basis of gender identity or XXXX orientation, so long as the laws do not contain sufficient indications to the contrary. XXXX on the basis of gender identity or XXXX orientation manifests differently for different individuals, and it often overlaps with other forms of prohibited XXXX, including discrimination on the basis of race or XXXX. For example, XXXX XXXX XXXX face unconscionably high levels of workplace XXXX, homelessness, and violence, including fatal violence. It is the policy of my Administration to prevent and combat XXXX on the basis of gender identity or XXXX orientation, and to fully enforce Title VII and other laws that prohibit XXXX on the basis of gender identity or XXXX orientation. It is also the policy of my Administration to address overlapping forms of XXXX. Sec. 2. Enforcing Prohibitions on XXXX XXXX on the Basis of Gender Identity or XXXX Orientation. ( a ) The head of each agency shall, as soon as practicable and in consultation with the Attorney General, as appropriate, review all existing orders, regulations, guidance documents, policies, programs, or other agency actions XXXX agency actions ) that : ( i ) were promulgated or are administered by the agency under XXXX XXXX or any other statute or regulation that prohibits XXXX XXXX, including any that relate to the agencys own compliance with such statutes or regulations ; and XXXX ii ) are or XXXX be inconsistent with the policy set forth in section XXXX of this order. ( b XXXX The head of each agency shall, as soon as practicable and as appropriate and consistent with applicable law, including the Administrative Procedure Act ( 5 U.S.C. 551 et seq. ), consider whether to revise, suspend, or rescind such agency actions, or promulgate new agency actions, as necessary to fully implement statutes that prohibit XXXX XXXX and the policy set forth in section XXXX of this order. ( c XXXX The head of each agency shall, as soon as practicable, also consider whether there are additional actions that the agency should take to ensure that it is fully implementing the policy set forth in section XXXX of this order. If an agency takes an action described in this subsection or subsection XXXX b ) of this section, it shall seek to ensure that it is accounting for, and taking appropriate steps to combat, overlapping forms of XXXX, such as XXXX on the basis of race or XXXX. ( d ) Within 100 days of the date of this order, the head of each agency shall develop, in consultation with the Attorney General, as appropriate, a plan to carry out actions that the agency has identified pursuant to subsections ( b ) and ( c ) of this section, as appropriate and consistent with applicable law. JOSEPH R. BIDEN JR. THE WHITE HOUSE, XX/XX/XXXX. According to this president, lack of gender or transgender identity sensitivity conclusively contributes to extreme prejudicial bias.
Company Response:
State: NV
Zip: 89110
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I found XXXX hard inquires on my credit reports opened XX/XX/2021 that I did not apply for, XXXX XXXX XXXX XXXXXXXX Discover XXXX. I think someone stole my information and attempted to open accounts in my name. I have contacted both XXXX XXXX and discover, they can not find the inquires and no XXXX will answer at XXXX XXXX XXXX XXXX XXXX is sending me a letter with the information to call the company but I did not open any new accounts.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I had a hard inquiry on XXXX that caused a 6 point decrease. Upon checking on it I found that on XX/XX/XXXX Discovery Financial SVC attempted to pull my file. I called Discovery @ XXXX and spoke to 3 different class of service providers and none can find my info under my name, ss, or phone number. I have zero accounts according to their records. XXXX will not dispute without 3 letters, one of which need to be from Discovery, who can not write me a letter due to they have never seen info on me, or a police report, or FTC. When reaching out to FTC it send me here. So what do I do now?
Company Response:
State: TX
Zip: 75904
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. DISCOVER FINANCIAL SER Inquired on XX/XX/XXXX, XXXX/XXXX Inquired on XX/XX/XXXX, XXXX XXXX DUAL CARD Inquiry : XXXX XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Company Response:
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: So I opened a {$12000.00} revolving credit card account with Discover Financial about 2 years ago and Ive never had any payments fall beyond 30 days. Even amidst the unconventional and trying times related to COVID, I still continued to make almost all of my payments in a timely manner, and my payments tended to be for the entire balance owed, or at the very minimum, substantially more than the minimum payment due and on the date due or prior almost every month. All for which they rewarded me with a credit limit increase to {$13000.00} at their discretion ( during the height of the recent COVID pandemic ) without any request made on my part. Now coming into the end of fall and early winter months our season starts winding down and business slows a little so I was carrying a high balance for one month and actually due to some preauthorized charges and a late fee for exceeding my grace period my balance went above my limit by {$15.00} dollars. So I called into customer service and asked if they could give me a break as a courtesy ( as almost every creditor was already automatically offering due to the circumstances surrounding COVID-19 ) to which the Discover CSR simply said NO they couldnt and wouldnt reimburse me for the late fee. Now about a month or two later, which was just before XXXX XXXX they suspended my account due to what they stated online as unusual account activity. Mind you this notice and account action came shortly or maybe even right after I had made a payment in access of over XXXX dollars. So I finally had the time and called customer service and spoke to a CSR who told me that I would need to speak with someone in their fraud department. So I called back the next day and spoke to a fraud representative and asked him to explain what was going on, to which he replied with a bunch of double talk and after continuing to inquire with more and more frustration, he finally stated to me that there was actually no unusual activity, instead this was simply just a routine and general audit, and as he himself explained, something he had experienced through a similar situation with one of his creditors not that long before, which I felt and sensed was an attempted ploy in order to get me to comply, with what I came to find out as he finally explained what it was they were requesting, was not unusual activity, but rather an unusual request. What they were requesting he finally told me, only after dancing around the subject and beating around every bush possible, was to fill out a IRS form 4506-T in order to verify the income information I submitted almost 2 years prior when I initially applied for the card, because based on what he stated they had never verified this information and were just now getting around to it. Even though I had not only submitted the same information when applying, but also spoke to a CSR who verified my information while on the phone. I found this all extremely coincidental that is was being done during the height of the spending season and what was quickly becoming the new height of the pandemic, and also after I had just made a substantial payment making almost XXXX dollars in credit available to me. So I simply told them I didnt feel this was ethical and I also had never been subjected to this kind of treatment with any of the other creditors I had or have established accounts with or through, present or past, and I wasnt going to comply with what I felt was unethical and predatory treatment. Now throughout this entire period my account was inaccessible, to use either the card or even try to navigate through the app. However they did make me vividly aware that I could continue to make payments throughout this process, even though that itself was not an option through the Discover app. Then about 2 months later in late XXXX/early XX/XX/XXXX I logged onto my Discover app to check status, as they had given a deadline of sometime in early to mid XX/XX/XXXX to comply ( to which all along I stated I wouldnt comply ), and it now no longer listed unusual activity and once again reflected the regular account information such as balance, limit, transaction history and lastly also listed the available credit. So I thought okay they realized it was unethical and their failed attempt to abruptly close my account ( which I imagine was due to the increasingly risky circumstances and elevated cases surrounding COVID-19, which in turn were making it a highly volatile, unstable and uncertain time in the financial sector, and with tensions rising, recent and vivid recollections of the XXXX housing/financial crisis/downfall and subsequent economic depression dancing around in their heads, they were simply trying to get a head start on trimming the fat and recalling credit lines wherever they saw an opportunity ) was a lapse in judgment and they had simply corrected their mistake. So without using the card, and simply concerned with my credit appearance and score, as well as making sure my payment was ahead of the due date, I quickly went ahead and made another XXXX dollar payment and it promptly reflected the balance reduction, but now suddenly reflected {$0.00} available credit and I then subsequently received an email notice less than a week or so later stating they were closing my account. Unbelievable and completely unethical and I intend to take every available action, and utilize every available means of recourse at my disposal to right this wrong. Far to often and far too many consumers are preyed upon and victimized by these multimillion and/or multi XXXX dollar banks and/or financial institutions, with seemingly no means of retributive action or viable recourse, so their crimes against consumers go unmentioned and unnoticed, and they seem to feel they can operate with this mentality of being untouchable, but I will not allow this action to stand without speaking up, speaking out, or until I cant speak anymore until this wrong is made right!
Company Response:
State: NC
Zip: 27519
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Supervisor name XXXX ( refused to share last name ) and states I don't have a phone number made remarks to me about my account be closed based on my gender. Account has negative balance and Discover Card will not return money or state why the account was closed.
Company Response:
State: OH
Zip: 44281
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I opened a secured card with Discover XXXXo help build credit. I was asked to put {$500.00} down as a security deposit to be re-payed after demonstrating healthy credit management. I received an email stating that I had indeed demonstrated healthy credit management and that I should receive a check returning my security within XXXX business days. I never received the check. I reached out to a customer service rep and they said I had to wait XXXX days to see if it was delivered. I was told I could receive the payment via ACH if I have a verified bank account. It has now been over a month since the check was " issued '' ( XXXX ) and I still have not received it. After reaching out again to check on the status of this check and ask for a ACH I was told that they have to recut a check ( XXXX days ) f then resend it and that I can not receive the payment via ACH. I am not interested in Discover earning interest for XXXX months on the money that should have been in my bank account over a month ago. Please advise.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A