Date Received: 2021-02-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've submitted several credit dispute with the the 3 major credit reporting agency and the negative information is still showing on my credit report. I've even ask for proof and sent in proofs of where I was living at the time the account were open in my name. They have the proof that these account do not belong to me but the continue to bully and harassment me into paying for something that isn't mine.This information is still on my credit reports. I would like to have these negative errors remove stating with XXXX, discover card. I didn't open these account up in my name I just became aware of these account in 2019. So again thank you for your attention to this matter.
Company Response:
State: VA
Zip: 22401
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: To whom it may concern, I am submitting this complaint to Consumer Financial Bureau because Discover failed to acknowledge and abide the federal law 15 US Code 1692c. ( c ) ( 2 ) Cease and Desist communications. I sent this letter by certified mail on XXXX. Please refer to the exhibit 1a. On XXXX XXXX XXXX a letter was typed by me indicating to Discover that they had not stopped communication with me as originally requested and they were in violation of federal law 15 US Code 1692. On XX/XX/XXXX I drafted an affidavit of truth outlining the various violations and that of the federal law of 1692 and sent a letter and affidavit of truth on XX/XX/XXXX via priority mail see exhibit 1b. I am enclosing copies of over 13 violations or 16 in total of 15 USC 1692. Discover is in complete control of their internal IT department and it makes no sense, rhyme or reason why they could not obey Federal Law and cease communications as requested. So, I am requesting that Consumer Financial Bureau Protection agency enforce the laws and my consumer rights for these violations that have occurred. See exhibits A-U. Aslo, there is a violation of 1605a Finance Charge : The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. In 15 US Code 1605 ( a ) ( 1 ) Finance charge : Congress does not state that a late fee is part of finance. Actually the sum of all fees directly and indirectly have already been included in any consumer credit transaction so lates are not included in the law passed by Congress on behalf of consumers. Thank you in advance, XXXX XXXX XXXX
Company Response:
State: CA
Zip: 94605
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: To whom it may concern, I am submitting this complaint to Consumer Financial Bureau because Discover failed to acknowledge and abide the federal law 15 US Code 1692c. ( c ) ( 2 ) Cease and Desist communications. I sent this letter by certified mail on XX/XX/XXXX. Please refer to the exhibit 1a. On XX/XX/XXXX a letter was typed by me indicating to Discover that they had not stopped communication with me as originally requested and they were in violation of federal law 15 US Code 1692. On XX/XX/XXXX I drafted an affidavit of truth outlining the various violations and that of the federal law of 1692 and sent a letter and affidavit of truth on XX/XX/XXXX via priority mail see exhibit 1b. I am enclosing copies of over 13 violations or 16 in total of 15 USC 1692. Discover is in complete control of their internal XXXX department and it makes no sense, rhyme or reason why they could not obey Federal Law and cease communications as requested. So, I am requesting that Consumer Financial Bureau Protection agency enforce the laws and my consumer rights for these violations that have occurred. See exhibits A-U. Aslo, there is a violation of 1605a Finance Charge : The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. In 15 US Code 1605 ( a ) ( 1 ) Finance charge : Congress does not state that a late fee is part of finance. Actually the sum of all fees directly and indirectly have already been included in any consumer credit transaction so lates are not included in the law passed by Congress on behalf of consumers. Thank you in advance, XXXX XXXX XXXX
Company Response:
State: CA
Zip: 94605
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
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 writing the complaint as XXXX, XXXX and XXXX has refused to remove and account that has been clearly cancelled by the debt cancellation XXXX XXXX received from DISCOVER FINANCIAL SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was given a XXXX from discover and submitted in a dispute to XXXX to cancel the debt and have it removed from my credit report per fair credit reporting act. This can not be income and a debt at the same time. I have filed the XXXX on my income tax return which has officially made the previous debt now income. For some reason XXXX keeps reporting it as a charge off instead of honoring the fair credit reporting act and removing the debt from my credit report. I have tried to resolve this several time with no resolution from XXXX What is the point of a debt being cancelled if it is not removed from credit report.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
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/XXXX my husband used my discover card to make a purchase on XXXX. He received the product and was unhappy with it due to defect we returned the product on XX/XX/XXXX per XXXX return policy and he requested a giftcard at that time. XXXX issued the giftcard balance and he attempted to use it they withheld refund and sent him an email they thought fraud took place on account. We attempted to contact them to get issue corrected and they kept informing us the credit balance would get reversed. After a few days we noticed it did not take place so we contacted Discover to dispute the XXXX transaction they told us we had to wait 10 days to allow the merchant to try to resolve the matter time passed and it didn't happen after several calls to XXXX we called back and asked to launch an investigation 10 days later as informed. We were assured it would be resolved and received a temporary credit the first time XXXX informed Discover they issued a refund but did not mention they held it due to a false suspicion of " fraud '' so we sent proof they issued it and turned around and reversed it directly from the XXXX account. They told us they would further investigate. A month later they stated that merchant informed they would issue refund so to avoid the back and forth between companies I called them on 3 way at that time XXXX informed me and the Discover agent they would further review the refund issue and then get back with me. 10 minutes after that call they sent me an email stating that they would not be able to issue refund due to disputing with card company and to handle refund process directly through card issuer which, I immediately called Discover and informed them info on what I received and sent email to dispute portal. I received a notification they were finalizing dispute credit so I thought the issue was resolved. I then received an email in XXXX of XXXX stating they received additional documentation from XXXX and did not go in my favor I immediately called because I don't have the product nor credit from XXXX so how did it go in their favor? I was then told by an agent that XXXX told them they didn't receive the merchandise back so for several months we were supposedly discussing a refund for merchandise that was not received and it was conveniently after the tracking info expired because XXXX only keeps it for 4 months but we have the return tracking slip and sent it over to Discover they are still stating after a review of info they are going with XXXX and the charge remains. They are expecting interest off of merchandise that was returned and that I have proof of it being returned via tracking slip as well as XXXX website and all XXXX has to say is they didn't receive it and it goes in their favor there is some sort of shady business practice going on and I don't believe I should pay for something I don't have. I have actual proof it was returned from their website and our tracking info. I feel consumers should be protected when following everything within policy the return was completed within return policy but funds were not reversed nor refunded back to credit card. Discover did not do their due diligence on account to reverse funds. I attempted to contact the executive office with no resolve.
Company Response:
State: IN
Zip: 46235
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX RE : Discover XXXX To Whom it may Concern, I would like to file a complaint about I never opened nor have I authorized any one to open or use my personal information for goods or services. I filed 3 reinvestigations with Discover, I was informed that an investigation had been conducted with regard to a fraud claim I opened with there office. The disposition of the claim concluded that because the address and phone number connected to the credit card account also appear to be connected to me through public record, my credit report and other recourses, the account was found to show no signs of fraud. This is my response to that letter. First and foremost I want to be clear that I have been the victim of identity theft. Someone unknown to me has utilized my personal information to obtain and use the above referenced account without my knowledge or consent. I have never lived at, been associated with, nor do I have family members associated with the address XXXX XXXX XXXX XXXX XXXX OK XXXX. These addresses appear to be connected to me because they were used to perpetrate the fraud. I have been incarcerated for the past 13 years and I am currently an inmate at the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OK. My address has been the same for the past 10 years & during my incarceration I have not had access to a personal phone number or email address. Any emails and phone numbers associated with these accounts or myself have been opened without my knowledge or consent for the purpose of fraud. All payment accounts have been opened fraudulently as well. In light of this information I am requesting that a reinvestigation be conducted to verify this information so that this account can be removed from my consumer credit reports, the attached documents of my prison record, my prison ID, my SSN, A letter from the XXXX XXXX XXXX XXXX case manager, my police report. I Thank u in advanc for your time, consideration in this matter
Company Response:
State: OK
Zip: 745XX
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX RE : Discover XXXX To Whom it may Concern, I would like to file a complaint about I never opened nor have I authorized any one to open or use my personal information for goods or services. I filed 3 reinvestigations with Discover, I was informed that an investigation had been conducted with regard to a fraud claim I opened with there office. The disposition of the claim concluded that because the address and phone number connected to the credit card account also appear to be connected to me through public record, my credit report and other recourses, the account was found to show no signs of fraud. This is my response to that letter. First and foremost I want to be clear that I have been the victim of identity theft. Someone unknown to me has utilized my personal information to obtain and use the above referenced account without my knowledge or consent. I have never lived at, been associated with, nor do I have family members associated with the address XXXX XXXX XXXX XXXX XXXX OK XXXX. These addresses appear to be connected to me because they were used to perpetrate the fraud. I have been XXXX for the past 13 years and I am currently an XXXX at the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OK. My address has been the same for the past 10 years & during my XXXX I have not had access to a personal phone number or email address. Any emails and phone numbers associated with these accounts or myself have been opened without my knowledge or consent for the purpose of fraud. All payment accounts have been opened fraudulently as well. In light of this information I am requesting that a reinvestigation be conducted to verify this information so that this account can be removed from my consumer credit reports, the attached documents of my prison record, my prison ID, my SSN, A letter from the XXXX XXXX XXXX XXXX case manager, my police report. I Thank u in advanc for your time, consideration in this matter
Company Response:
State: OK
Zip: 745XX
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
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 XXXX I placed an online order with a Merchant for 3 pairs of trousers for a total of {$930.00}. In late XX/XX/2020, after the merchant failed multiple times to meet the promised delivery date, not delivering any of the items in the order, and failing to provide a refund, I asked my credit card company ( Discover ) to initiate a dispute for merchandise not delivered. On XXXX I provided the supporting documentation for my dispute, including multiple conversations with the merchant and a summary of the claim in which I stated that as of XX/XX/2020 neither the order, nor a refund check had been delivered to me. Multiple times in these conversations the merchant accepted that the order had not been delivered. On XXXX Discover responded by stating that they would close the dispute because the transaction was found to be " valid ''. However, the response from Discover did not provide any explanation of how it determined that the goods in the order were actually delivered, as required by the Fair Credit Billing Act. In fact, Discover never provided even a statement from the merchant claiming that the order had even been shipped. Furthermore, Discover 's response included several glaring errors, such as the following : 1 ) Discover incorrectly initiated a dispute and investigation for a Fraudulent Transaction. Discover initiated an investigation for Charge Back Reason Code XXXX. Discover Reason Code XXXX is seen by merchants receiving a chargeback based on the potential for a fraudulent transaction. This is for transactions for which the cardholder provided no authorization for the charge to be processed by the merchant. However, I notified Discover from the beginning that I approved this transaction, my dispute was for the fact that *the merchandise was never received*. This was communicated to Discover by phone, and in writing during the last week of XX/XX/2020. ( See Chronology submitted to Discover on XXXX attached ). The proper Discover chargeback reason code for my type of dispute is reason code XXXX, used for disputes related to merchandise never received from the merchant. 2 ) Since the merchant received a dispute with the incorrect chargeback code from Discover, the company in charge of processing payments for the merchant provided information relevant for a *fraudulent transaction* dispute including : merchant details, payment details, however the merchant did not dispute at any point that the merchandise was not delivered by providing information such as : a ) Shipment Conformation b ) Delivery Confirmation c ) Or even any statement indicating that they shipped a package with the contents of of the order On XXXX I uploaded a letter to the Discover website explaining the errors in the ways my dispute was processed, asking them to conduct the proper dispute or provide a statement indicating how it was determined that the goods were delivered. ( See Attached XXXX letter sent to Discover ) On XXXX Discover sent a generic response to my letter stating that the information I provided was not sufficient to keep the dispute open and that it would be closed. However, Discover did not provide any of the information I requested, which is required by the Fair Credit Billing Act before they close a dispute. Furthermore, Discover failed to provide an explanation of what would constitute " sufficient '' information on my end when my claim was about goods not delivered, in which case the merchant is supposed to carry the burden of proof. After being able to establish contact with the merchant, the merchant ( who agrees that the merchandise was never delivered ) agreed to send me a letter stating that they accept the chargeback, I forwarded this letter to Discover on XXXX ( see attached letter ). As of today ( XXXX ) I still have not received any response from Discover to any of the issues raised on my XXXX letter.
Company Response:
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Company Response:
State: CA
Zip: 91605
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hello, good afternoon, my name XXXX XXXX, I had a big problem with the discover card account which was opened in my name by another person, I have contacted the collection department to solve this situation, the debt is {$2400.00}, which the Account, its limit was only {$2000.00}, the collection company reduced the debt to {$1200.00} but according to them it will not delete my credit report, I think it is very unfair that with this situation of covi19 which has not left a big mark, huh I am left without a job even my city is not working 100 %, I am in desperate greed since a thousand times I have let this collection agency know that this account was opened by another person, I sent a police report to this agency, eh I sent proof but they do not want to eliminate from my credit report this debt is not open by me, please for consideration since the same government has said that said debt will be forgiven I need you to have the consideration for said situation to take into consideration my request to eliminate this debt from my report
Company Response:
State: NY
Zip: 11372
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A