Date Received: 2021-02-21
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: Also attached this as pdf for better readability : Item No. 1. UNFAIR : Credit account mentioned above in reference is closed. Detail : Your Company 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 center, 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 XXXX dollar and it was declined. I did not understand the reason. This very day, I called your support center 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. 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. XX/XX/XXXX I received statement I have credit balance of {$17.00}. XX/XX/XXXX I was notified by the bureau of significant decrease in my credit score Item No. 2. UNFAIR : Hard Inquiry by your representative on XX/XX/XXXX, further dropped my credit. This action was NOT required. As the situation is UNFAIRLY handled by your company and I was misled. Item No. 3. INACCURATE : Credit report has comment on closure of Discover credit Account closed at consumer 's request I have never called in and did not act to close this account.
Company Response:
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2021-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found several items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. DISCOVER FINANCIAL SERVI XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX ) XXXX
Company Response:
State: MO
Zip: 64850
Submitted Via: Web
Date Sent: 2021-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XX/XX/XXXX Dispute initiated by customer Amount : {$630.00} Customer called Discover credit card 10 times to customer service, dispute, card fraud investigation XXXX. Customer received 10 different answers from different agents of Discover. At first, customer was advised to call back after 14 days after XX/XX/XXXX. Another was the credit will appeared and credited within 3 days which is XX/XX/XXXX. Another was the credit will appear on XX/XX/XXXX at XXXX EST. Another was the credit will appear 72 hours after XX/XX/XXXX. Another is the credit maybe will be posted on XX/XX/XXXX ... The credit has not been credited and appeared on the account. Customer has been a member for 20 years and it is disheartening to file this complaint.
Company Response:
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2021-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-21
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I've been a great customer with Discover for almost a year. I've never missed a payment. Discover requested an IRS tax form They received them and said they couldn't verify information but wouldn't say what. They closed it for no reason and didnt even give me one despite multiple calls in. I flipped out on the reps I spoke to since I'm rebuilding and this absolutely set me back a couple steps. Discover is a bad company.
Company Response:
State: CO
Zip: 80232
Submitted Via: Web
Date Sent: 2021-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: TWO FRAUDULENT HARD PULLS ON XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX
Company Response:
State: AR
Zip: 72761
Submitted Via: Web
Date Sent: 2021-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2021 at XXXX XXXX Eastern Standard Time, I confirmed an online payment from XXXX XXXX XXXX XXXX XXXX for my balance due of {$190.00} on my DiscoverCard. Payment was due on XX/XX/XXXX. I had already had automatic bill pay set up through my XXXXXXXX XXXX account, but my assumption was that because I had paid online and subsequently received a confirmation code ( XXXX, see attached ) prior to the due date, that amount would not be deducted twice. Unfortunately that amount was deducted twice, once via online bill pay and once via automatic bill pay. To further exacerbate things, I was charged an overdraft fee of {$35.00} from XXXX XXXX due to having insufficient funds. Upon speaking to Discover through their online chat function on XX/XX/XXXX ( see attached ), I was notified that though they would make a note in my account that the amount would be credited back to my XXXX XXXX account but they could not provide any confirmation code or email that conveyed this would happen, nor would they work with XXXX XXXX regarding the overdraft fee. It was also confirmed that had I not realized the double charging, XXXX would not have notified me of this mistake. On XX/XX/XXXX, I was able to confirm the amount was indeed credited back to my XXXX XXXX account. I am now in the process of trying to get the overdraft fee ( {$35.00} ) that was imposed upon my account to be waived with no support from XXXX. Given we are in a global pandemic with millions suffering in this economy, it is outrageous that Discover Card has this " loophole '' in their payment process. I am sure there are guardrails in place to prevent this from happening to them, were the roles reversed.
Company Response:
State: GA
Zip: 30075
Submitted Via: Web
Date Sent: 2021-02-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: personal loan interest too high In XX/XX/2019 they sent me a loan offer from the Discover bank company, which I called to ask for information and I saw that it was reliable, I have a year and seven months paying and the loan does not go down. I wrote asking for an evaluation of the loan since I have a good payment history since we are going through a difficult situation and they only replied that they could not lower my rate. I would like to review the contract since I do not have a copy of it, to see the clauses of it. because they have not wanted to help me with this situation. Discover Bank XXXX
Company Response:
State: PR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The accounts I am disputing are in my credit report they do not belong to me I have disputed these many times with the bureaus as well as the furnishers I have opened an FTC for these accounts and have a notarized affidavit for these accounts that are not mine and yet no one is sending me anything back or removing these from my credit. Why do I have to pay for someone elses doing. These accounts are causing me great grief and no one is helping with Identity theft. My next step is to file a police report and have all these companies and accounts investigated. XXXX XXXXXXXX XXXX - Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$11000.00} Opened XX/XX/XXXX DISCOVER FIN SVCS XXXX - Acct # XXXX Amt {$19000.00} Opened XX/XX/XXXX XXXX XXXX -Acct # XXXX Amt {$11000.00} Opened XX/XX/XXXX DISCOVER BANK- Acct # XXXX Amt {$5500.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$5500.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX -Acct # XXXX Amt {$6200.00} Opened XX/XX/XXXX XXXX
Company Response:
State: CA
Zip: 91356
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I recently started using a new voicemail service and since then, have been receiving calls from Discover Bank on average ever 2-4 hours.
Company Response:
State: MN
Zip: 55432
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
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: Note : Credit Card Company has all related documentation. I paid XXXX XXXX ( 1 ) a good faith deposit of {$540.00}, which was half of the total amount of {$1000.00}. In my original correspondence to Credit Card Company dated XXXX XXXX, 2020, I requested a credit for {$500.00}, not {$540.00}. I requested to be reimbursed for the {$500.00} I paid XXXX XXXX ( 2 ) to complete the work that XXXX XXXX ( 1 ) did not complete as detailed on their estimate. The amount of the balance of {$540.00} was due upon completion. There is no evidence that this document was reviewed since the original credit was in the amount of {$540.00}. Since XXXX XX/XX/2020 Ive sent several emails to the service provider ( XXXX XXXX ( 1 ) to resolve this issue to complete the work as documented on their estimate. I have forwarded any and all such correspondence to the dispute department at Credit Card Company for review. Initially, XXXX XXXX XXXX ( 1 ) was refunded by Credit Card Company without submitting their required documentation per the admission of a Credit Card Company agent in the Delaware office. Due to this issue, I was given the first temporary credit on my account of {$540.00}. In my correspondence to Credit Card Company on XXXX XX/XX/2020, it was clear that I requested {$500.00}, not {$540.00} as reimbursement of payment for another service provider to complete the work left after their crew walked off the job. This is evidence that Credit Card Company did not perform due diligence at that time and I have no confidence that they performed due diligence at any time on my behalf. Ive spoken with several agents and supervisors with Credit Card Company throughout the time period of this dispute. Agents at Credit Card Company have accepted the false claim from XXXX XXXX XXXX ( XXXX ) that they completed the work, however Credit Card Company agents refuse to accept any or all of my written documentation that work was not completed by XXXX XXXX XXXX ( 1 ) as factual. Therefore forcing me to forfeit my funds ( {$500.00} ) to ( XXXX XXXX XXXX XXXX ). Despite the claim of XXXX XXXX XXXX ( XXXX ) that they completed the work on the property, in addition to the email correspondence with ( XXXX XXXX ( XXXX ) I have evidenced this statement to be false and sent copies to Credit Card XXXX based on : XXXX. The scope of detail of their estimate dated XXXX XX/XX/2020. XXXX. The property diagram from XX/XX/2020 which verifies the actual trees on the property. XXXX. The receipt from XXXX XXXX XXXX XXXX XXXX ) indicating the removal of XXXX trees on the property after the date of XXXX XX/XX/2020. Their invoices were paid through Credit Card XXXX. XXXX. I do have photos however only after submission I was told that Credit Card XXXX did not accept those as evidence. Despite all of the evidence, Credit Card XXXX dispute agents need proof but do not accept the proof I have provided until the dispute was closed. The dispute agents not disclose what type of information they will accept as proof that XXXX XXXX XXXX XXXX XXXX ) did not perform the services they charged me for. I spoke with an upper level supervisor who basically reiterated what I was told by his agent that I did not have any proof and I was not going to get a permanent credit of {$500.00}. Still pursuing a favorable resolve, during a call with agent I was told once the case was closed that proof might have been a document from XXXX XXXX XXXX ( XXXX ) that they reviewed the estimate from XXXX XXXX XXXX ( XXXX ) and confirmed that XXXX XXXX Company ( XXXX ) did not complete the work detailed on their estimate. This information should have been forthcoming long before Credit Card XXXX closed the dispute. The evidence that Credit Card XXXX did not provide due diligence is as follows : o I requested a credit of {$500.00}, not the {$540.00} as issued in their original temporary credit. This was clearly stated in my correspondence dated XXXX XX/XX/2020. I dont feel that due diligence was given to properly review the dispute. o I spoke with an agent after I learned the initial dispute process was not resolved in my favor. At that time, I was told by the agent that XXXX XXXX XXXX XXXX ) did not complete the required documentation and therefore a temporary credit was applied to my account. Again, Credit Card XXXX did not perform due diligence on my behalf. o I provided key evidence to Credit Card XXXX that XXXX XXXX XXXX XXXX ) did not complete the work as detailed on their estimate. The property diagram is consistent with their scope of work. It should be clear after providing the invoice from XXXX XXXX XXXX XXXX XXXX that XXXX XXXX XXXX XXXX ) failed to complete the work as agreed upon per their estimate. o I was unaware that XXXX XXXX XXXX XXXX ) retained my card information without my knowledge or consent and had absolutely no permission whatsoever at any time to charge my Credit Card XXXX. o There was no stated agreement with XXXX XXXX XXXX XXXX ) as to a method of payment XXXX cash, check, or credit card ) for any services rendered. o Credit Card XXXX agents accepted the false statement of the service provider XXXX XXXX XXXX XXXX XXXX XXXX that they completed the work. o Credit Card XXXX should provide a detailed history of the entire dispute process and the specific language in their terms and agreements that state I have to pay for unauthorized charges for services not rendered? The evidence that the XXXX XXXX XXXX XXXX ) did not complete the scope of work as described should be very clear. Their estimate and voice mail transcript clearly defines " Junk trees '' on left and right side of property. Per the property diagram illustrated by a certified arborist in XX/XX/2020, it clearly shows XXXX trees on the property. XXXX of the trees on the property diagram XXXX left and right ) are consistent with the detail on the estimate from the XXXX XXXX XXXX XXXX ). Landscape Company ( XXXX ) removed ( XXXX ) trees ( XXXX ) " Medium Pine '' ( Spruce ) and XXXX " Medium Junk Tree on back corner of garage ( XXXX XXXX on XXXX XX/XX/2020 and walked off the job, not removing the left and right " junk trees '' ( Mulberry ). I hired XXXX XXXX XXXX XXXX XXXX to remove the left and right " junk trees '' XXXX XXXX XXXX that XXXX XXXX XXXX XXXX ) did not complete. XXXX XXXX XXXX XXXX ) completed this work on XXXX XX/XX/2020 XXXX reference attached invoice ). I dont understand how this could be made more clear that XXXX XXXX XXXX XXXX ) is making false statements that they completed the scope of work on their estimate and took payment on XXXX XX/XX/2020 without completion of the agreed upon work. Ive attached the original property diagram and a copy that I illustrated to provide a through picture of what was removed and by which company.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A